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Residential (General/Single)Residential
$106,585$179 / 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 76How 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 $10,000 on May 1, 2015

108 S CONGRESS ST

ROCK RAPIDS, IA 51246
1
Baths
594 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.
0.1 ac
Lot SizeThe size of the land the home sits on, from county records.
1946
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
3
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.
1
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$107K
$81K low$132K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$10,000 · May 1, 2015
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.$49,029
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$39,223
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.51%
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.$57,556
FRONTIER BANK · recorded Dec 17, 2020

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$156 (2024)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$12,820 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$6,210
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$6,610
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$10,200
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$12,820

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.29 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.30%

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Residential (General/Single)
StyleThe architectural style of the home, such as ranch or colonial.Conventional
CountyLyon
Lot (acres)The size of the land the home sits on, from county records.0.10
ConstructionThe main material the home's frame and walls are built from.Frame (Unspecified)
FoundationWhat the home is built on, such as a concrete slab, a crawl space, or a basement.Block (Unspecified)
RoofThe main material covering the roof, such as asphalt shingle or tile.Asphalt
HeatingThe type of heating system in the home.None
CoolingThe type of cooling or air conditioning in the home.None
GarageWhether the property has a garage, and details like whether it is attached to the home.Garage, Detached

Transaction History(1)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

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

M
Central Lyon Secondary SchoolA+
Middle · Grades 7–12 · 0.9 mi
E
Central Lyon Elementary SchoolA
Elementary · Grades PK–6 · 0.9 mi

District: Central Lyon Community School District

Neighborhood · ZIP 51246These 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.125
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.83
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.19

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.16%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.3.1%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.0.7%
PopulationHow many people live in this area.4,544
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.28 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$73,023
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$90,712
Average tempThe average temperature here across a full year.46°F
Annual precipHow much rain and melted snow falls here in a typical year.27 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.Absentee owner
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

108 S Congress 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 91% of homes in Rock Rapids 51246
  • Among the smallest homes in Rock Rapids 51246
  • Among the smallest lots in Rock Rapids 51246

What homes are worth in Rock Rapids 51246

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

This home
$73K$793K

This home is worth more than 9% of homes in Rock Rapids 51246.

How it measures up in Rock Rapids 51246

The dot is this home. The mark in the middle is the typical home in Rock Rapids 51246.

Estimated value$106,585
CheaperTypical $242,985Pricier

Pricier than 9% of homes nearby

Price per ft²$179
CheaperTypical $162Pricier

Pricier than 58% of homes nearby

Living area594 ft²
SmallerTypical 1,545 ft²Bigger

Smaller than almost all homes nearby

Lot size0.1 ac
SmallerTypical 0.33 acBigger

Smaller than almost all homes nearby

Year built1946
OlderTypical 1956Newer

Newer than 39% of homes nearby

How 108 S Congress St ranks against every home in each area.
MeasureThis homeRock Rapids 51246Lyon County
Estimated valuepricier than$106,5859% of homes9% of homes
Price per ft²pricier than$17958% of homes55% of homes
Living areabigger than594 ft²almost no homesalmost no homes
Lot sizebigger than0.1 acalmost no homesalmost no homes
Year builtnewer than194639% of homes41% of homes

About 108 S Congress St

How much is 108 S Congress St, Rock Rapids, IA worth?

The TopHap Estimate for 108 S Congress St, Rock Rapids, IA is $106,585 as of Jul 14, 2026. The likely range is $80,789 to $132,381. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 108 S Congress St, Rock Rapids, IA last sell?

108 S Congress St, Rock Rapids, IA last sold on May 1, 2015 for $10,000, according to the county's recorded deed.

How big is 108 S Congress St, Rock Rapids, IA?

108 S Congress St, Rock Rapids, IA has 1 bathrooms, 594 square feet of living space and a 0.10-acre lot.

When was 108 S Congress St, Rock Rapids, IA built?

108 S Congress St, Rock Rapids, IA was built in 1946, making it 80 years old. It is a conventional home. The building has 1 story.

What schools serve 108 S Congress St, Rock Rapids, IA?

108 S Congress St, Rock Rapids, IA is assigned to Central Lyon Secondary School (middle), rated A+; Central Lyon Elementary School (elementary), rated A. All sit in Central Lyon Community School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 108 S Congress St, Rock Rapids, IA compare to other homes in Rock Rapids 51246?

Among the 1,469 homes in Rock Rapids 51246, it is worth more than 9% of them ($106,585 against a typical $242,985), its price per square foot is higher than 58% of them ($179 against a typical $162), it is bigger than almost none of them (594 ft² against a typical 1,545 ft²), its lot is bigger than almost none of them (0.1 ac against a typical 0.33 ac) and it is newer than 39% of them (1946 against a typical 1956). Measured against all of Lyon County, it is worth more than 9% 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 108 S Congress St, Rock Rapids, IA?

The 2024 property tax bill for 108 S Congress St, Rock Rapids, IA was $156. The county assessed it at $12,820.

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Assigned schools

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