207 S 3rd St, Montezuma, IA, 50171
About This Home
Multifaceted property offers flexible living arrangements. Whether you want to generate rental income, or accommodate different family members under one roof. Currently this home is laid out as 2 separate dwellings, but can easily be converted back into a single family residency. The downstairs features the primary bedroom with a connected full bath, a large kitchen with an eat-in area, a formal dining area, and living room with large picture windows. The upstairs has a full bath, 4 bedrooms, and a well thought out kitchen area. Throughout, you'll find the 1900's charm of the home with the original woodwork and pocket doors, along with essential up keeps such as multiple new vinyl windows (2023), new soffit & fascia, (lower level) & all window trims wrapped with white aluminum flashing in 2026 for added protection. Basement sealed in 2026-outside of block walls with a concrete sealant and spray foamed on the inside. New water heater & furnace (lower level) 2024, new roof 'aprx' 2020, new sewer line & pvc vent 2024, aluminum siding on house painted in 2024, and new steel on the garage in 2024. All of this giving the home the charm of 1900, with the maintenance of a modern home. Call for more details and your own tour.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 1900
Materials
- Construction materials: Metal Siding
Type & Style
- Home type: SingleFamily
- Property subType: Single Family Residence
Interior
Basement
- Has basement: Yes
- Basement: Full,Sump Pump
Bedrooms & Bathrooms
- Bedrooms: 5
- Bathrooms: 2
- Full bathrooms: 2
Heating & Cooling
- Heating features: Forced Air
- Cooling features: Central Air
Interior Area
- Total interior livable area: 2,056 sqft
Property
Accessibility
- Accessibility features: None
Details
- Parcel number: 1501800
Features
- Levels: Two
Lot
- Lot size: 8,712 sqft
- Lot size dimensions: 66 x 132
Parking
- Total spaces: 2
- Parking features: Garage
- 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
- Strong Wind
- Cold Wave
- Drought
- Hail
- Tornado
- Winter Weather
- Heat Wave
- Ice Storm
- Lightning
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 | $852 | $10,224 |
| Home Insurance * | $101 | $1,212 |
| Property Taxes | $179 | $2,148 |
| Electricity | $153 | $1,840 |
| Total | $1,285 | $15,420 |
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 |
|---|---|---|
| 2026-08-18 | Price change | $163,500 |
| 2026-08-01 | Listed for sale | $168,500 |
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