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812 Willow St, Harlan, IA, 51537

3beds
2baths
1,360sqft
$189,900
$140price/sqft
$1,542/moest. monthly cost
$61,680/yrincome needed

About This Home

Relax on the covered front porch as this house is move in ready! 1 1/2 story home with 3 bedrooms, 2 baths and a large 2 car garage. Main floor laundry with full bath, 1 bedroom on main and 2 bedrooms up with 3/4 bath. Newer laminate flooring throughout most of home.

Getting Around

61
WalkingSomewhat Walkable
0
TransitVery Limited Transit
42
BikeSomewhat Bikeable

Schools

Construction

Condition

  • Year built: 1900

Materials

  • Roof: Composition
  • Construction materials: Frame

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Basement

  • Has basement: Yes
  • Basement: Partial,Unfinished

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2

Features

  • Ceiling Fan(s),Other
  • Flooring: Wood
  • Finished area below ground: 0
  • Finished area above ground: 1,360

Heating & Cooling

  • Heating features: Natural Gas
  • Cooling features: Central Air,Electric

Interior Area

  • Total structure area: 1,360
  • Total interior livable area: 1,360 sqft

Property

Details

  • Parcel number: 833112075071

Features

  • Levels: One and One Half
  • Patio & porch: Deck,Porch

Lot

  • Lot size: 5,720 sqft
  • Features: Corner Lot
  • Lot size dimensions: 88 X 65

Parking

  • Parking features: Off Street,Garage Door Opener
  • Has garage: Yes

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Tornado
    TornadoVery High
  • Cold Wave
    Cold WaveRelatively High
  • Hail
    HailRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Drought
    DroughtModerate
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Ice Storm
    Ice StormModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Tornado
Cold Wave
Hail
Strong Wind
Drought
Heat Wave
Inland Flooding
Ice Storm
Winter Weather

FEMA Declared Disasters Across Iowa Counties

Flood
Severe Storm
Tornado

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $960$11,520
Home Insurance *$205$2,460
Property Taxes $256$3,072
Electricity $121$1,452
Total$1,542$18,504
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$52,868/yr
40% on housing$46,260/yr
45% on housing$41,120/yr

Iowa FAIR Plan Programs

Iowa FAIR Plan Association

Covered
WildfireWildfire
Visit Website →
Current Policies
Residential: 1,021Commercial: 22
Total Premiums$1.14M
Total Exposure$85.68M

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 15.9%
15.9%
0%30.0%
Electricity Growth Rate10-year average: 1.9%
1.9%
0%15.0%
Property Taxes Growth Rate2-year average: 2.8%
2.8%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$140This listing

vs Other Active Listings

Avg $/sqft

ZIP 51537$153
Shelby County$136

vs Homes Sold Last Month

Median $/sqft

ZIP 51537
Shelby County$78

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-04-14Price change$189,900
2026-03-21Listed for sale$193,000
2025-12-10Listing removed$193,000
2025-11-14Price change$193,000
2025-10-30Listed for sale$197,500
2020-06-30Sold$129,900
2020-06-26Pending sale$129,900
2020-05-21Price change$129,900
2020-05-17Listed for sale$130,000
2011-05-17Sold$105,000
2009-07-17Sold$35,500

For Sale by Agent

AgentJohn Dresher
BrokerageHeartland Properties

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