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Single Family ResidenceResidential
$223,029$135 / 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 79How 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

108 W MADISON ST

ROCK FALLS, IA 50467
3
Beds
3.5
Baths
1,653 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.
1.54 ac
Lot SizeThe size of the land the home sits on, from county records.
1990
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
7
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.
4
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$223K
$176K low$270K high
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.$16,537
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$13,230
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.91%
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.$206,492
FIRST SECURITY BANK & TRUST CO · recorded Jul 14, 2022

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$4,554 (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.$378,090 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$36,130
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$341,960
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$380,760
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$378,090

Climate Risk

Overall riskThe average of the five hazard scores below, on a 0 to 100 scale. Higher means greater projected risk over the coming decades.40
65
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
9
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
62
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
54
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
12
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.32 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.30%
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.Contemporary
CountyCERRO GORDO
Lot (acres)The size of the land the home sits on, from county records.1.54
ConstructionThe main material the home's frame and walls are built from.Frame (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.Mixed
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.Deck · 536 ft²Patio · 536 ft²Porch · 28 ft²

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

M
Central Springs Middle SchoolA-
Middle · Grades 4–8 · 5.9 mi
E
Central Springs Elementary School - Nora SpringsB+
Elementary · Grades PK–3 · 5.9 mi
H
Central Springs High SchoolA-
High · Grades 9–12 · 7.7 mi

District: Central Springs Community School District

Neighborhood · ZIP 50467These 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.50
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.77
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.12

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.92%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.15%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.4.5%
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.10
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.31 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$74,010
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$86,455
Average tempThe average temperature here across a full year.46°F
Annual precipHow much rain and melted snow falls here in a typical year.34 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

108 W Madison 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.

  • Bigger than 72% of homes in Cerro Gordo County
  • Has a bigger lot than 89% of homes in Cerro Gordo County
  • Newer than 85% of homes in Cerro Gordo County

What homes are worth in Cerro Gordo County

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

This home
$76K$396K

This home is worth more than 82% of homes in Cerro Gordo County.

How it measures up in Cerro Gordo County

The dot is this home. The mark in the middle is the typical home in Cerro Gordo County.

Estimated value$223,029
CheaperTypical $206,075Pricier

Pricier than 54% of homes nearby

Price per ft²$135
CheaperTypical $160Pricier

Pricier than 38% of homes nearby

Living area1,653 ft²
SmallerTypical 1,292 ft²Bigger

Bigger than 72% of homes nearby

Lot size1.54 ac
SmallerTypical 0.19 acBigger

Bigger than 89% of homes nearby

Year built1990
OlderTypical 1953Newer

Newer than 85% of homes nearby

How 108 W Madison St ranks against every home in each area.
MeasureThis homeCerro Gordo County
Estimated valuepricier than$223,02954% of homes
Price per ft²pricier than$13538% of homes
Living areabigger than1,653 ft²72% of homes
Lot sizebigger than1.54 ac89% of homes
Year builtnewer than199085% of homes

About 108 W Madison St

How much is 108 W Madison St, Rock Falls, IA worth?

The TopHap Estimate for 108 W Madison St, Rock Falls, IA is $223,029 as of Jul 14, 2026. The likely range is $175,868 to $270,190. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 108 W Madison St, Rock Falls, IA last sell?

108 W Madison St, Rock Falls, IA last sold on Jan 1, 1900, according to the county's recorded deed.

How big is 108 W Madison St, Rock Falls, IA?

108 W Madison St, Rock Falls, IA has 3 bedrooms, 3.5 bathrooms, 1,653 square feet of living space and a 1.54-acre lot.

When was 108 W Madison St, Rock Falls, IA built?

108 W Madison St, Rock Falls, IA was built in 1990, making it 36 years old. It is a contemporary home. The building has 1 story.

What schools serve 108 W Madison St, Rock Falls, IA?

108 W Madison St, Rock Falls, IA is assigned to Central Springs Middle School (middle), rated A-; Central Springs Elementary School - Nora Springs (elementary), rated B+; Central Springs High School (high), rated A-. All sit in Central Springs Community School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 108 W Madison St, Rock Falls, IA compare to other homes in Cerro Gordo County?

Among the 18,910 homes in Cerro Gordo County, it is worth more than 54% of them ($223,029 against a typical $206,075), its price per square foot is higher than 38% of them ($135 against a typical $160), it is bigger than 72% of them (1,653 ft² against a typical 1,292 ft²), its lot is bigger than 89% of them (1.54 ac against a typical 0.19 ac) and it is newer than 85% of them (1990 against a typical 1953). 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 W Madison St, Rock Falls, IA?

The 2025 property tax bill for 108 W Madison St, Rock Falls, IA was $4,554. The county assessed it at $378,090.

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Assigned schools

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See this home in context

Open 108 W Madison Ston TopHap’s interactive map to compare it against every sale nearby, overlay school zones and flood risk, and run a CMA.

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