190 Center Point Dr, Montezuma, IA, 50171
About This Home
This fully furnished 4-bedroom, 2.5 bath home sits directly on the water at Lake Ponderosa with 40 feet of private shoreline and private beach area. The main floor features a spacious primary suite with an ensuite bath and laundry, while the upper level offers three additional bedrooms and two bathrooms for family and guests. The three-season porch adds even more space to gather, relax, and enjoy views of the water. The private shoreline leads directly to your dock, lift, and beach area, making it easy to enjoy boating, swimming, fishing, and sunset views. A garage provides excellent storage for lake gear, tools, and toys. The covered deck is the perfect place to enjoy your morning coffee or unwind with friends and family in the evening. All you need are your clothes, hop on the water and start making the best memories of your life!
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 1977
Materials
- Construction materials: Vinyl Siding
Type & Style
- Home type: MobileManufactured
- Property subType: Manufactured Home
Interior
Appliances
- Appliances included: Range,Cooktop,Microwave,Refrigerator,Washer,Dryer,Gas Water Heater
Bedrooms & Bathrooms
- Bedrooms: 4
- Bathrooms: 3
- Full bathrooms: 2
- 1/2 bathrooms: 1
Heating & Cooling
- Heating features: Heat Pump
- Cooling features: Central Air
Interior Area
- Total interior livable area: 924 sqft
Property
Accessibility
- Accessibility features: None
Details
- Parcel number: 1901300
Features
- Waterfront features: Waterfront Present
- Waterbody name: Lake Ponderosa
Lot
- Lot size: 8,712 sqft
- Lot size dimensions: Front Footage 40.00 Front Rear 60.40 Side 1 166.80 Side 2 179.10
Parking
- Total spaces: 1
- Parking features: Concrete
- Has garage: Yes
- Attached garage spaces: 1
- Covered spaces: 1
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
- Inland Flooding
- Ice Storm
- Landslide
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 | $2,502 | $30,024 |
| Home Insurance * | $297 | $3,564 |
| Property Taxes | $347 | $4,164 |
| Electricity | $121 | $1,452 |
| Total | $3,267 | $39,204 |
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 |
|---|---|---|
| 2026-08-06 | Price change | $485,000 |
| 2026-07-20 | Price change | $495,000 |
| 2026-06-26 | Price change | $499,000 |
| 2026-06-13 | Listed for sale | $510,000 |
| 2022-09-23 | Sold | $440,000 |
| 2022-06-29 | Pending sale | $455,000 |
| 2022-06-03 | Price change | $455,000 |
| 2022-05-13 | Listed for sale | $475,000 |
| 2008-10-10 | Sold | $264,750 |
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