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1301 E Cherry St, Red Oak, IA, 51566

4beds
3baths
2,047sqft
$299,000
$146price/sqft
$2,300/moest. monthly cost
$92,000/yrincome needed

About This Home

1301 E Cherry Street, Red Oak Welcome to this spacious 2,047 square feet ranch home located on a desirable corner lot with mature shade trees. Designed for convenient one level living, this home features four bedrooms, including a primary suite with a private en suite bath. The main level also offers a dedicated office area, a cozy den just off the eat-in kitchen, a dining area, laundry room, and a total of 2 1/2 bathrooms providing plenty of space for family and guests. The walkout lower level is open and ready for your finishing touches, the garden level windows bring in abundant natural light. It is already stubbed for an additional bathroom, offering excellent potential for expanded living space, a recreation room, or quest quarters. With its functional layout, generous living space, and opportunity for future customization, this home is ready for its next owner. Set your showing up today.

Getting Around

20
WalkingCar-Dependent
0
TransitVery Limited Transit
24
BikeSomewhat Bikeable

Schools

3/10
Inman Elementary SchoolGrades K-60.3 mi
4/10
Red Oak High SchoolGrades 7-120.6 mi

Construction

Condition

  • Year built: 1972

Materials

  • Construction materials: Wood Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: Ranch
  • Property subType: Single Family Residence

Interior

Basement

  • Has basement: Yes
  • Basement: Walk-Out Access,Full,Block,Unfinished

Bedroom2

  • Level: Main
  • Area: 165
  • Dimensions: 15X11

Bedroom3

  • Level: Main
  • Area: 130
  • Dimensions: 13X10

Bedroom4

  • Level: Main
  • Area: 143
  • Dimensions: 13X11

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 1
  • 3/4 bathrooms: 1
  • 1/2 bathrooms: 1

Dining Room

  • Level: Main
  • Area: 132
  • Dimensions: 12X11

Features

  • Finished area below ground: 0
  • Finished area above ground: 2,047
  • Common walls with other units/homes: 0

Heating & Cooling

  • Heating features: Forced Air
  • Cooling features: Central Air

Interior Area

  • Total interior livable area: 2,047 sqft

Kitchen

  • Level: Main
  • Area: 204
  • Dimensions: 17X12

Living Room

  • Level: Main
  • Area: 289
  • Dimensions: 17X17

Other

  • Level: Main
  • Area: 165
  • Dimensions: 15X11

Other

  • Level: Main
  • Area: 40
  • Dimensions: 8X5

Other

  • Level: Main
  • Area: 20
  • Dimensions: 5X4

Other

  • Level: Main
  • Area: 18
  • Dimensions: 3X6

Other

  • Area: 60
  • Dimensions: 12X5

Other

  • Level: Main
  • Area: 143
  • Dimensions: 11X13

Other

  • Level: Main
  • Area: 50
  • Dimensions: 5X10

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 600621429009000
  • Zoning: Residential-Single Family
  • Foundation area: 2047

Lot

  • Lot size: 0.25 Acres
  • Lot size dimensions: 130 x 85

Parking

  • Total spaces: 2
  • Parking features: Attached,Concrete,Garage Door Opener,Electric,Storage
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

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

  • Cold Wave
    Cold WaveRelatively High
  • Hail
    HailRelatively High
  • Heat Wave
    Heat WaveRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Hail
Heat Wave
Strong Wind
Tornado
Inland Flooding
Lightning
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 $1,511$18,132
Home Insurance *$306$3,672
Property Taxes $331$3,972
Electricity $152$1,832
Total$2,300$27,600
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$78,857/yr
40% on housing$69,000/yr
45% on housing$61,333/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: 14.1%
14.1%
0%30.0%
Electricity Growth Rate10-year average: 1.9%
1.9%
0%15.0%
Property Taxes Growth Rate2-year average: -1.1%
-1.1%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$146This listing

vs Other Active Listings

Avg $/sqft

ZIP 51566$84
Montgomery County$120

vs Homes Sold Last Month

Median $/sqft

ZIP 51566
Montgomery County$131

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)

No zestimate history available

Price History

DateEventPrice
2026-08-07Pending sale$299,000
2026-08-03Listed for sale$299,000

For Sale by Agent

AgentChris A Amos
BrokerageRubey Realty

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