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160 N Main St, Osceola, NE, 68651

4beds
3baths
2,255sqft
$235,000
$104price/sqft
$1,764/moest. monthly cost
$70,560/yrincome needed

About This Home

Charming Victorian home in Osceola offering 4 bedrooms and 3 bathrooms with timeless character throughout. The main floor features two living rooms, a formal dining room, kitchen, laundry, and classic pocket doors, creating both functionality and charm. Upstairs you’ll find all four bedrooms, a loft area, and a dedicated office with built-in shelving. The home also offers the unique convenience of two staircases leading to the second level. Outside, enjoy a detached 2-car garage with an additional loft space, providing excellent storage or future potential and a shed for storage or hobbies! This Victorian gem blends historic character with spacious living in the heart of Osceola.

Getting Around

52
WalkingSomewhat Walkable
0
TransitVery Limited Transit
38
BikeSomewhat Bikeable

Schools

6/10
Osceola Elementary SchoolGrades PK-50.3 mi
3/10
Osceola Middle SchoolGrades 6-80.4 mi
7/10
Osceola High SchoolGrades 9-120.4 mi

Construction

Condition

  • Property condition: 61+
  • Year built: 1904

Materials

  • Roof: Comp/Shingle
  • Construction materials: Vinyl Siding,Wood Siding,Frame

Type & Style

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

Interior

Appliances

  • Appliances included: Electric Range,Dishwasher,Refrigerator,Microwave,Water Softener Owned,Gas Water Heater,Water Heater(Owned)
  • Laundry features: Main Level,In Kitchen,Electric Dryer Hookup,Wood

Basement

  • Area: 1132

Basement

  • Has basement: Yes
  • Basement: Full

Bedroom2

  • Level: Upper
  • Area: 150

Bedroom3

  • Level: Upper
  • Area: 168

Bedroom4

  • Level: Upper
  • Area: 96

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Main level bathrooms: 1

Dining Room

  • Features: Formal,Wood
  • Level: Main
  • Area: 192

Family Room

  • Features: Atrium Doors,Carpet
  • Level: Main
  • Area: 192

Features

  • Door features: Atrium Doors
  • Window features: Window Coverings
  • Flooring: Wood,Carpet
  • Number of fireplaces: 2
  • Fireplace features: Family Room,Two
  • Fireplace: Yes
  • Finished area above ground: 2,255

Heating & Cooling

  • Heating features: Natural Gas,Radiant Floor
  • Cooling features: Window Unit(s)

Interior Area

  • Total structure area: 2,255
  • Total interior livable area: 2,255 sqft

Kitchen

  • Features: Wood
  • Level: Main
  • Area: 174

Living Room

  • Features: Carpet
  • Level: Main
  • Area: 210

Master Bedroom

  • Level: Upper
  • Area: 176

Property

Details

  • Parcel number: 720027944

Features

  • Levels: Two
  • Patio & porch: Patio
  • Fencing: Fenced
  • Waterfront features: None
  • Living area range: 2001-2300

Lot

  • Lot size: 0.29 Acres
  • Lot size dimensions: 95x135

Parking

  • Total spaces: 3
  • Parking features: Three,Detached
  • Has garage: Yes
  • Attached garage spaces: 3
  • Covered 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

  • Hail
    HailVery High
  • Lightning
    LightningVery High
  • Strong Wind
    Strong WindVery High
  • Winter Weather
    Winter WeatherVery High
  • Drought
    DroughtRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Ice Storm
    Ice StormRelatively High
  • Tornado
    TornadoRelatively High
  • Cold Wave
    Cold WaveModerate
  • Heat Wave
    Heat WaveModerate

How This Home’s Risks Compare

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

FEMA Declared Disasters Across Nebraska Counties

Flood
Severe Storm
Straight Line Winds
Tornado
Winter Storm

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 $1,188$14,256
Home Insurance $255$3,060
Property Taxes $182$2,184
Electricity $139$1,670
Total$1,764$21,168

Income You'd Need if You Spent...

35% on housing$60,480/yr
40% on housing$52,920/yr
45% on housing$47,040/yr

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: 11.9%
11.9%
0%30.0%
Electricity Growth Rate10-year average: 1.9%
1.9%
0%15.0%
Property Taxes Growth Rate2-year average: 4.8%
4.8%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$104This listing

vs Other Active Listings

Avg $/sqft

ZIP 68651
Polk County$99

vs Homes Sold Last Month

Median $/sqft

ZIP 68651
Polk County$80

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
2026-04-21Price change$237,500
2026-03-09Listed for sale$245,000
2023-08-31Sold$176,500
2023-07-24Pending sale$179,000
2023-07-17Listed for sale$179,000
2017-05-18Sold$85,000

For Sale by Agent

AgentKathryn I Allsman
BrokerageBHHS AMBASSADOR REAL ESTATE

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