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Single Family ResidenceResidential
$236,046$98 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 90How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jul 14, 2026
Last sold for $223,500 on Nov 28, 2023

312 S RIVER ST

CAMBRIDGE, IA 50046
2
Beds
2
Baths
2,408 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
0.18 ac
Lot SizeThe size of the land the home sits on, from county records.
1935
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
6
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.

Valuation

$236K
$213K low$259K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$223,500 · Nov 28, 2023
Est. Owner EquityRoughly how much of the home's value the owner would keep after paying off known loans. It is our estimate minus the loans still owed.$224,217
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$179,374
Loan-to-ValueHow much is still owed on the home compared to what it is worth. 80% means loans equal 80% of our estimate, so it shifts when the estimate does.5%
1st MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$11,829
RIVER VALLEY CREDIT UNION · R · recorded Aug 7, 2009

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$3,490 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$229,500 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$31,700
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$197,800
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$214,900
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$229,500

Climate Risk

Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.197 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.51%
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.1 percent flood zone

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
StyleThe architectural style of the home, such as ranch or colonial.A-Frame
CountySTORY
Lot (acres)The size of the land the home sits on, from county records.0.18
ConstructionThe main material the home's frame and walls are built from.Wood (Unspecified)
RoofThe main material covering the roof, such as asphalt shingle or tile.Asphalt
HeatingThe type of heating system in the home.Forced Air With Air Conditioning
CoolingThe type of cooling or air conditioning in the home.Yes
FireplaceWhether the home has a fireplace, and what kind.Yes
GarageWhether the property has a garage, and details like whether it is attached to the home.Garage, Attached
PoolWhether the property has a pool, and what kind, such as in-ground.No
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Porch · 288 ft²

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

M
Ballard Middle SchoolA
Middle · Grades 6–8 · 4.1 mi
H
Ballard High SchoolB+
High · Grades 9–12 · 4.6 mi
E
Ballard West Elementary School
Elementary · Grades PK–2 · 7.8 mi

District: Ballard Community School District

Neighborhood · ZIP 50046These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.112
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.85
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.10

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.94%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.32%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.4.9%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.0%
PopulationHow many people live in this area.3,193
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.68 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$104,507
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$120,679
Average tempThe average temperature here across a full year.49°F
Annual precipHow much rain and melted snow falls here in a typical year.35 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.61%

Ownership

OccupancyWhether the owner appears to live here or somewhere else. It is inferred from the mailing address on record.Owner occupied
Company ownedWhether the owner is a company or trust rather than a person.No

Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

312 S River St measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth less than 67% of homes in Cambridge 50046
  • Costs less per square foot than 96% of homes in Cambridge 50046
  • Bigger than 90% of homes in Story County
  • Has a smaller lot than 97% of homes in Cambridge 50046
  • Older than 82% of homes in Story County

What homes are worth in Cambridge 50046

Each bar is how many homes fall in that price range. The marker is this home.

This home
$111K$949K

This home is worth more than 33% of homes in Cambridge 50046.

How it measures up in Cambridge 50046

The dot is this home. The mark in the middle is the typical home in Cambridge 50046.

Estimated value$236,046
CheaperTypical $274,498Pricier

Pricier than 33% of homes nearby

Price per ft²$98
CheaperTypical $197Pricier

Pricier than 4% of homes nearby

Living area2,408 ft²
SmallerTypical 1,616 ft²Bigger

Bigger than 86% of homes nearby

Lot size0.18 ac
SmallerTypical 1.15 acBigger

Bigger than 3% of homes nearby

Year built1935
OlderTypical 1976Newer

Newer than 30% of homes nearby

How 312 S River St ranks against every home in each area.
MeasureThis homeCambridge 50046Story County
Estimated valuepricier than$236,04633% of homes39% of homes
Price per ft²pricier than$984% of homes4% of homes
Living areabigger than2,408 ft²86% of homes90% of homes
Lot sizebigger than0.18 ac3% of homes29% of homes
Year builtnewer than193530% of homes18% of homes

About 312 S River St

How much is 312 S River St, Cambridge, IA worth?

The TopHap Estimate for 312 S River St, Cambridge, IA is $236,046 as of Jul 14, 2026. The likely range is $212,732 to $259,360. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 312 S River St, Cambridge, IA last sell?

312 S River St, Cambridge, IA last sold on Nov 28, 2023 for $223,500, according to the county's recorded deed.

How big is 312 S River St, Cambridge, IA?

312 S River St, Cambridge, IA has 2 bedrooms, 2 bathrooms, 2,408 square feet of living space and a 0.18-acre lot.

When was 312 S River St, Cambridge, IA built?

312 S River St, Cambridge, IA was built in 1935, making it 91 years old. It is a a-frame home. The building has 1 story.

What schools serve 312 S River St, Cambridge, IA?

312 S River St, Cambridge, IA is assigned to Ballard Middle School (middle), rated A; Ballard High School (high), rated B+; Ballard West Elementary School (elementary). All sit in Ballard Community School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 312 S River St, Cambridge, IA compare to other homes in Cambridge 50046?

Among the 623 homes in Cambridge 50046, it is worth more than 33% of them ($236,046 against a typical $274,498), its price per square foot is higher than 4% of them ($98 against a typical $197), it is bigger than 86% of them (2,408 ft² against a typical 1,616 ft²), its lot is bigger than 3% of them (0.18 ac against a typical 1.15 ac) and it is newer than 30% of them (1935 against a typical 1976). Measured against all of Story County, it is worth more than 39% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 312 S River St, Cambridge, IA?

The 2025 property tax bill for 312 S River St, Cambridge, IA was $3,490. The county assessed it at $229,500.

Closest homes

More homes in Cambridge 50046

Assigned schools

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