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802 4th St, Onawa, IA, 51040

4beds
2baths
1,972sqft
$319,900
$162price/sqft
$2,565/moest. monthly cost
$102,600/yrincome needed

About This Home

Move in ready completely remodeled 4 bedroom home in a prime location steps away from the school. The home has new plumbing, electrical, doors, flooring, walls, and all the finishes including beautiful french door that leads to the new deck. As you enter this beautifully updated home its clear the love that was put into the home remodel using quality materials and special features like crown molding, custom trim, lighting with dimmers throughout the home,. Main floor has an open floor plan featuring hard wood floors. The kitchen features quartz countertops, solid white cabinets with soft close drawers. Moving down the hall from the kitchen you have a bedroom with large closet, full bath with beautiful finishes, and finally the huge master bedroom. The basement is completely finished with full wet bar featuring custom cabinets. The home owner is a custom craftsmen who utilized his talents to design a unique beautiful bar countertop. The living space is cozy and down the hall are 2 bedrooms that each have large closets and one is currently being used as a workout area. The basement bathroom is also new and has modern tile floors and glass shower. The garage has wifi smart technology that can be ran from your phone and is insulated and heated. The hvac system has smart technology that can be controlled anywhere from your phone app. Kitchen appliances, basement bar appliances, washer and dryer are all included so you can move right in and enjoy.

Getting Around

45
WalkingCar-Dependent
0
TransitVery Limited Transit
43
BikeSomewhat Bikeable

Schools

7/10
West Monona ElementaryGrades PK-50.1 mi
7/10
4/10
West Monona High SchoolGrades 9-120.9 mi

Construction

Condition

  • Year built: 1973

Materials

  • Roof: Shingle
  • Construction materials: Hardboard

Type & Style

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

Interior

Appliances

  • Appliances included: Water Softener: Included
  • Laundry features: In Basement

Basement

  • Has basement: Yes
  • Basement: Finished

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 2
  • Main level bathrooms: 1
  • Main level bedrooms: 2

Features

  • Brick Accent,Crown Molding,Eat-in Kitchen,New Bath,New Kitchen,Wet Bar
  • Flooring: Hardwood
  • Finished area below ground: 976
  • Finished area above ground: 996

Heating & Cooling

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

Interior Area

  • Total structure area: 1,972
  • Total interior livable area: 1,972 sqft

Property

Details

  • Parcel number: 834504300049

Features

  • Levels: Split
  • Patio & porch: Deck

Lot

  • Lot size: 7,840 sqft
  • Features: Level,Wooded

Parking

  • Total spaces: 1
  • Parking features: Attached,Garage Door Opener,Concrete
  • Has garage: Yes
  • Attached garage 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

  • Tornado
    TornadoVery High
  • Hail
    HailRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Cold Wave
    Cold WaveModerate
  • Heat Wave
    Heat WaveModerate
  • Ice Storm
    Ice StormModerate
  • Lightning
    LightningModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

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

FEMA Declared Disasters Across Iowa Counties

Flood
Severe Storm
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 $1,617$19,404
Home Insurance *$460$5,520
Property Taxes $341$4,092
Electricity $147$1,765
Total$2,565$30,780
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$87,942/yr
40% on housing$76,950/yr
45% on housing$68,400/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: 16.1%
16.1%
0%30.0%
Electricity Growth Rate10-year average: 1.9%
1.9%
0%15.0%
Property Taxes Growth Rate2-year average: 0.8%
0.8%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$162This listing

vs Other Active Listings

Avg $/sqft

ZIP 51040$142
Monona County$243

vs Homes Sold Last Month

Median $/sqft

ZIP 51040
Monona County$115

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
2026-01-23Price change$319,900
2025-05-09Listed for sale$329,900
2021-02-25Listing removed--
2020-11-12Listed for sale$254,000
2018-08-21Sold$37,500

For Sale by Agent

AgentTammy Bertrand
BrokerageKeller Williams Siouxland

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