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514 4th St S, Winthrop, IA, 50682

1beds
1baths
1,700sqft
$299,900
$176price/sqft
$2,313/moest. monthly cost
$92,520/yrincome needed

About This Home

Step inside this massive garage and imagine the possibilities! Whether you're a woodworker, need abundant storage space, or have always wanted the ultimate man cave or she shed, this property delivers. The attached living quarters, built in 2023, offer modern comfort with an open-concept layout featuring 9-foot walls and a stunning 12-foot vaulted ceiling that creates a bright, spacious feel. The kitchen is beautifully appointed with granite countertops, soft-close cabinetry, and included appliances, making it as functional as it is stylish. The main floor also features one bedroom, one full bathroom, and convenient laundry. The finished basement provides additional living space that's perfect for entertaining, relaxing, or creating a recreation room. Designed with efficiency in mind, all exterior walls of the home addition are spray-foam insulated. The kitchen appliances and washer and dryer, all new in 2023, along with the custom-made main-floor living room furniture designed specifically for the space, are included, making this property truly move-in ready. With endless opportunities to customize the oversized garage and a comfortable, modern living space already in place, this one-of-a-kind property is ready to fit your lifestyle.

Getting Around

20
WalkingCar-Dependent
0
TransitVery Limited Transit
33
BikeSomewhat Bikeable

Schools

7/10
7/10
4/10
East Buchanan High SchoolGrades 9-120.5 mi

Construction

Condition

  • Year built: 2023

Materials

  • Foundation: Brick/Mortar
  • Roof: Steel
  • Construction materials: Steel Siding,Stone

Type & Style

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

Interior

Appliances

  • Appliances included: Dryer,Disposal,Microwave,Free-Standing Range,Washer,Gas Water Heater,Water Softener Owned
  • Laundry features: 1st Floor,Laundry Closet

Basement

  • Has basement: Yes
  • Basement: Concrete,Walk-Out Access

Bedrooms & Bathrooms

  • Bedrooms: 1
  • Bathrooms: 1
  • Full bathrooms: 1

Features

  • Fireplace features: None
  • Finished area below ground: 680

Heating & Cooling

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

Interior Area

  • Total interior livable area: 1,700 sqft

Other

  • Level: Upper

Other

  • Level: Main

Other

  • Level: Lower

Property

Details

  • Parcel number: 0736462007
  • Zoning: R-2
  • Special condition: Standard

Lot

  • Lot size: 6,534 sqft
  • Lot size dimensions: 50 x 133

Parking

  • Total spaces: 3
  • Parking features: 3 or More Stalls,Attached Garage,Heated Garage,Oversized,Workshop in Garage
  • Covered spaces: 3
  • Carport spaces: 3

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

  • Drought
    DroughtRelatively High
  • Hail
    HailRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Cold Wave
    Cold WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Drought
Hail
Strong Wind
Winter Weather
Cold Wave
Inland Flooding
Tornado

FEMA Declared Disasters Across Iowa Counties

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 $1,516$18,192
Home Insurance *$309$3,708
Property Taxes $362$4,344
Electricity $126$1,521
Total$2,313$27,756
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$79,302/yr
40% on housing$69,390/yr
45% on housing$61,680/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: 12.5%
12.5%
0%30.0%
Electricity Growth Rate10-year average: 1.9%
1.9%
0%15.0%
Property Taxes Growth Rate2-year average: 1.4%
1.4%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$176This listing

vs Other Active Listings

Avg $/sqft

ZIP 50682$106
Buchanan County$236

vs Homes Sold Last Month

Median $/sqft

ZIP 50682
Buchanan County$99

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
2026-07-28Listed for sale$299,900

For Sale by Agent

AgentKellie Cole
BrokerageOhl Iowa Realty, Inc

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