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Single Family ResidenceResidential
$73,508$66 / 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 86How 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 $69,500 on Feb 26, 2025

405 RICHINGS ST

CHARLES CITY, IA 50616
2
Beds
3 / 2
Baths
1,122 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.
0.16 ac
Lot SizeThe size of the land the home sits on, from county records.
1900
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.
5
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.
3
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$74K
$63K low$84K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$69,500 · Feb 26, 2025
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.$21,533
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$17,226
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.70%
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.$51,975
CONSUMER REAL ESTATE FINANCE CO · recorded Feb 26, 2025

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$1,126 (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.$71,840 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$9,100
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$62,740
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$63,240
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$71,840

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
CountyFloyd
Lot (acres)The size of the land the home sits on, from county records.0.16
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.Stone (Unspecified)
RoofThe main material covering the roof, such as asphalt shingle or tile.Asphalt
HeatingThe type of heating system in the home.Forced Air
CoolingThe type of cooling or air conditioning in the home.Central
GarageWhether the property has a garage, and details like whether it is attached to the home.Garage, Detached
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 · 120 ft²

Transaction History(3)

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.

E
Washington Elementary School
Elementary · Grades PK–1 · 0.5 mi
H
Charles City High SchoolC-
High · Grades 9–12 · 1.3 mi
M
Charles City Middle SchoolC+
Middle · Grades 5–8 · 1.3 mi

District: Charles City Community School District

Neighborhood · ZIP 50616These 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.121
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.79
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.17

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.89%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.11%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.12%
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.9,638
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.56 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$64,587
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$73,971
Average tempThe average temperature here across a full year.46°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

405 Richings 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 82% of homes in Floyd County
  • Costs less per square foot than 78% of homes in Floyd County
  • Smaller than 73% of homes in Floyd County
  • Has a smaller lot than 87% of homes in Floyd County
  • Older than 82% of homes in Charles City 50616

What homes are worth in Charles City 50616

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

This home
$34K$468K

This home is worth more than 20% of homes in Charles City 50616.

How it measures up in Charles City 50616

The dot is this home. The mark in the middle is the typical home in Charles City 50616.

Estimated value$73,508
CheaperTypical $130,596Pricier

Pricier than 20% of homes nearby

Price per ft²$66
CheaperTypical $102Pricier

Pricier than 23% of homes nearby

Living area1,122 ft²
SmallerTypical 1,344 ft²Bigger

Bigger than 32% of homes nearby

Lot size0.16 ac
SmallerTypical 0.24 acBigger

Bigger than 17% of homes nearby

Year built1900
OlderTypical 1952Newer

Newer than 18% of homes nearby

How 405 Richings St ranks against every home in each area.
MeasureThis homeCharles City 50616Floyd County
Estimated valuepricier than$73,50820% of homes18% of homes
Price per ft²pricier than$6623% of homes22% of homes
Living areabigger than1,122 ft²32% of homes27% of homes
Lot sizebigger than0.16 ac17% of homes13% of homes
Year builtnewer than190018% of homes21% of homes

About 405 Richings St

How much is 405 Richings St, Charles City, IA worth?

The TopHap Estimate for 405 Richings St, Charles City, IA is $73,508 as of Jul 14, 2026. The likely range is $62,968 to $84,048. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 405 Richings St, Charles City, IA last sell?

405 Richings St, Charles City, IA last sold on Feb 26, 2025 for $69,500, according to the county's recorded deed. TopHap holds 2 recorded sales for this parcel.

How big is 405 Richings St, Charles City, IA?

405 Richings St, Charles City, IA has 2 bedrooms, 3 bathrooms, 1,122 square feet of living space and a 0.16-acre lot.

When was 405 Richings St, Charles City, IA built?

405 Richings St, Charles City, IA was built in 1900, making it 126 years old. The building has 2 stories.

What schools serve 405 Richings St, Charles City, IA?

405 Richings St, Charles City, IA is assigned to Washington Elementary School (elementary); Charles City High School (high), rated C-; Charles City Middle School (middle), rated C+. All sit in Charles City Community School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 405 Richings St, Charles City, IA compare to other homes in Charles City 50616?

Among the 4,426 homes in Charles City 50616, it is worth more than 20% of them ($73,508 against a typical $130,596), its price per square foot is higher than 23% of them ($66 against a typical $102), it is bigger than 32% of them (1,122 ft² against a typical 1,344 ft²), its lot is bigger than 17% of them (0.16 ac against a typical 0.24 ac) and it is newer than 18% of them (1900 against a typical 1952). Measured against all of Floyd County, it is worth more than 18% 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 405 Richings St, Charles City, IA?

The 2025 property tax bill for 405 Richings St, Charles City, IA was $1,126. The county assessed it at $71,840.

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Assigned schools

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See this home in context

Open 405 Richings 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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