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109 W Main St, Fertile, IA 50434

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For Sale

$265,000

1 beds • 1 baths • 1 half baths • 2,686 sqft

Estimated Payment

$ 1,462 /mo. †

6.67% APR for 30 yrs.
$1,174 in taxes
Change Loan Terms

  • Single Family Detached
    Property type

  • $98.66
    Price per square foot

  • Over 50 Years Old
    Age

Explore this Property

PROFITABLE COMMERCIAL RIVERFRONT RETREAT WITH STUNNING AMENITIES AND FIVE-STAR REVIEWS! This unique property blends residential comfort with commercial potential and boasts a proven track record as a successful Airbnb. Guests describe it as absolutely stunning and the perfect place to unwind, praising the peaceful ambiance, Winnebago River views, and thoughtful amenities that make it an unforgettable escape. Upstairs, the beautifully remodeled loft shines with open spaces, large windows, and breathtaking river views. The two-story deck is perfect for stargazing, morning coffee, or unwinding after dining at nearby Cafe Mir, complete with a hot tub, grill, umbrella, and seating. The spacious backyard includes 44 feet of river frontage, where guests have enjoyed peaceful moments by the water, soaking up sunrises and sunsets. The first level s open-concept layout easily suits any commercial venture or conversion into additional residential space, offering flexibility for future owners. Located near popular spots like Fertile Beans and Rhodes Island Park, with quick access to I-35 and Hwy 9, this property offers both serenity and convenience. Numerous high-value updates, including a 600-amp service, make it move-in ready and versatile. With consistent five-star ratings for its ambiance, modern amenities, and hospitality, this property is a turn-key investment inspiring relaxation and memorable experiences. Call us to schedule your showing today!
MLS# 6322808

Courtesy Of Hall Realty

(641) 357-7373

Property Features

  • Age
    Over 50 Years Old
  • Architecture Style
    Other
  • Heating System
    Forced Air
  • Lot Size
    0.16 Acres
  • Rooms
    Dining Room, Family Room, Kitchen, Living Room

Map and Directions

Directions to 109 W Main St, Fertile, IA 50434

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CENTURY 21 Preferred

(641) 424-9400
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Mortgage Calculator

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Loan Term
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Monthly Payment Breakdown

  • Principle and Interest
    $1,364
  • Property Taxes
    $97
  • Hazard Insurance
    $0
  • Private Mortgage Insurance
    $0
  • HOA Dues
    $0
  • Total Monthly Payment:
    $1,462

Calculators provided for estimating purposes only. Consult with your lender to determine precise payment requirements.

Schools

Forest City Elementary School

Grades PK-4 Public School

Forest City, IA 50436 11.8 miles
1405 w i st

486 total students
15:1 Student teacher ratio

School Rating: A-

School Details

Forest City Middle School

Grades 5-8 Public School

Forest City, IA 50436 11.5 miles
216 w school st

300 total students
12:1 Student teacher ratio

School Rating: B

School Details

Forest City High School

Grades 9-12 Public School

Forest City, IA 50436 11.6 miles
206 w school st

346 total students
13:1 Student teacher ratio

School Rating: B

School Details

School information does not guarantee enrollment. School service boundaries are provided as a reference only, may change, and are not guaranteed to be accurate. Contact the school district directly to verify school enrollment eligibility.

Local area information for Fertile, IA 50434

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Fertile, IA 50434

This community’s employment is highest in the production occupations and administrative support industries. The area’s overall household expenses are above the national average.

84° July
Hottest Average Month
5° January
Coldest Average Month
56 Total Households in Area
-3.1% Increase in population since the year 2010
27.6%
of households
have children
21 minutes
Median Commute Time

Household Expenses vs National Average

This location’s average annual expenditures by category compared to the national average. Index score (100=National Average)

Demographic facts
for Fertile, IA 50434

Fertile, IA 50434 has a population of 134 people in 56 households with a median age of 48.7 years old.

-3.1%
Decrease in population
since the year 2010
Population is Trending down
56
Total households as of 2010
2.4%
projected percent change in total
households in 5 years

Community Population By Age

The median age for this area is 48.7 years old. The smallest percentage group is 55-64 years and the largest percentage is the 85+ years age range.

Community Population By Ethnicity

White 93%
Hispanic 3%
Asian 1%
Black <1%
Other <1%
Native American <1%
The most prevalent ethnicity is White at 93%, followed by Hispanic at 3%, Asian at 1%, and Black at <1%.

Economics
for Fertile, IA 50434

14 /sq mi
Population Density
$55,801 /yr
Median Household Income
$165,000
Median Sales Price
21 min
Median Commute Time

Household Expenses vs National Average

This location’s average annual expenditures by category compared to the national average. Index score (100=National Average)

Household by Income

Out of the households in this area, the largest income group is $35-49,999k representing 18.57% of the households.

Transportation to Work

  • Drive 77%
  • Work from Home 20%
  • Walk or Bike 3%
  • Public Transit 0%

Occupancy by Type

Owned 50 81%
Rented 6 10%
Vacant 6 10%

White vs Blue Collar Jobs







White Collar 69%
Blue Collar 31%

Family & Education Facts
for Fertile, IA 50434

48.7 Median Age

Average Household Size

2.4
persons per
household

58.5%

Married Households

Community Population By Education

High School Graduate 32%
Some College 22%
Bachelors Degree 22%
Associates Degree 17%
Some High School 5%
Graduate Degree 2%
Of the total people surveyed, the most prevalent educational attainment level is High School Graduate, representing 31.93% of the population.

Household Family Expenses vs National Average

This location’s average annual expenditures compared to the national average. Index score (100=National Average)
27.6% of households have children

Weather
for Fertile, IA 50434

The weather for this area ranges from a high of 84° F in July to a low of 5° F in January

84° July
Hottest Average Month
5° January
Coldest Average Month

Average Temperature by Month

Low (°F)
High (°F)
Jan
5°
24°
Feb
10°
29°
Mar
22°
40°
Apr
35°
57°
May
47°
70°
Jun
57°
79°
Jul
61°
84°
Aug
59°
81°
Sep
50°
73°
Oct
38°
61°
Nov
25°
43°
Dec
12°
29°

Average Temperature in Degrees Fahrenheit

Precipitation

Precipitation (inch)

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Copyright © 2025 NoCoast MLS. All rights reserved. All information provided by the listing agent/broker is deemed reliable but is not guaranteed and should be independently verified. Information being provided is for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information being provided is for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.

Data powered by Attom Data Solutions. Copyright© 2025. Information deemed reliable but not guaranteed.

This information is provided for general informational purposes only and should not be relied on in making any home-buying decisions. School information does not guarantee enrollment. Contact a local real estate professional or the school district(s) for current information on schools. This information is not intended for use in determining a person's eligibility to attend a school or to use or benefit from other city, town or local services.

† Based on a 30-year fixed rate of 3.38% with 20% down. The estimated payment is offered for convenience and is not an offer of credit. Due to market fluctuations, interest rates are subject to change at any time and without notice. Interest rates are also subject to credit and property approval based on secondary market guidelines. The rates shown are based on average rates for our best qualified customers. Your individual rate may vary. Rates may differ for FHA, VA or jumbo loans.

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