605 E Vista Lake Ave, Polk City, IA, 50226
About This Home
Finally--a home that actually works with your life, not against it. If you've been searching for a layout that just makes sense (and doesn't have you racing laps through your own house), this newer construction in Polk City might be the one that stops your scroll. Step inside an open, light-filled main level where the kitchen, dining, and living spaces all connect--perfect for everything from busy weekday mornings to hosting your people on the weekend. The kitchen brings style and function with quartz countertops, soft-close cabinetry, and clean, and modern finishes. But here's where it gets really good... The main floor laundry flows directly into the primary suite's walk-in closet--because whoever designed this clearly understands real life. No more hauling baskets across the house. The primary suite itself is a true retreat, complete with a spacious en-suite and beautifully tiled shower. An additional bedroom and full bath on the main level give you flexibility for guests, kids, or a home office. Downstairs, the walkout basement provides room to spread out; a large second living area, two additional bedrooms, and a full bathroom. Ideal for growing families, teenagers who want their own space, or hosting without feeling crowded. Outside, picture this: enjoy quiet mornings on the elevated deck or unwind on the lower patio after a long day. 📍 Located near Saylorville Lake, you get that small-town feel with quick access to everything you need. Homes with this kind of layout--and this level of functionality--don't sit forever. Come see why this one feels different the moment you open the door.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 2022
Materials
- Foundation: Concrete Perimeter,Tile
- Construction materials: Other
Other
- Builder name: HOMES BY ADVANTAGE, LLC
Type & Style
- Home type: SingleFamily
- Property subType: Single Family Residence,Residential
Interior
Appliances
- Appliances included: Dishwasher,Disposal,Dryer,Microwave,Range,Refrigerator,Washer
- Laundry features: Main Level
Basement
- Has basement: Yes
- Basement: Full,Sump Pump
Bedrooms & Bathrooms
- Bedrooms: 4
- Bathrooms: 3
- Full bathrooms: 2
- 3/4 bathrooms: 1
Features
- Ceiling Fan(s)
- Flooring: Vinyl,Carpet
- Fireplace features: Electric
- Fireplace: Yes
- Finished area below ground: 1,200
- Finished area above ground: 1,471
Heating & Cooling
- Heating features: Forced Air
- Cooling features: Central Air
Interior Area
- Total structure area: 1,471
- Total interior livable area: 1,471 sqft
Property
Details
- Parcel number: 261/00074079030
- Zoning: Residential
- Special condition: Standard
Features
- Patio & porch: Patio
Lot
- Lot size: 0.25 Acres
- Features: Cleared
Parking
- Parking features: Garage
- 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
- Strong Wind
- Tornado
- Cold Wave
- Drought
- Hail
- Heat Wave
- Inland Flooding
- Ice Storm
- Winter Weather
How This Home’s Risks Compare
FEMA Declared Disasters Across Iowa Counties
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $2,300 | $27,600 |
| Home Insurance * | $171 | $2,052 |
| Property Taxes | $456 | $5,472 |
| Electricity | $121 | $1,452 |
| Total | $3,048 | $36,576 |
Income You'd Need if You Spent...
Iowa FAIR Plan Programs
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-05-05 | Price change | $465,000 |
| 2026-04-06 | Price change | $469,000 |
| 2026-03-23 | Listed for sale | $475,000 |
| 2024-05-31 | Sold | $429,900 |
| 2024-04-11 | Pending sale | $429,900 |
| 2024-04-05 | Listing removed | -- |
| 2024-04-03 | Price change | $429,900 |
| 2024-03-22 | Price change | $434,900 |
| 2023-12-29 | Listed for rent | $2,950 |
| 2023-10-05 | Price change | $439,900 |
| 2023-08-01 | Price change | $394,900 |
| 2023-06-01 | Price change | $399,900 |
| 2022-11-18 | Price change | $415,000 |
| 2022-11-04 | Price change | $417,500 |
| 2022-10-28 | Price change | $420,000 |
| 2022-10-21 | Price change | $422,500 |
| 2022-10-18 | Price change | $425,000 |
| 2022-10-14 | Price change | $415,000 |
| 2022-09-08 | Listed for sale | $425,000 |
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