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217 21st St NW APT 8, Waverly, IA, 50677

1beds
1baths
864sqft
$109,000
$126price/sqft
$878/moest. monthly cost
$35,120/yrincome needed

About This Home

Under contract with a 48 hour clause. Contact your agent for details. Welcome home to this charming 1-bedroom, 1-bathroom main-floor condo offering comfortable living and great amenities. The spacious open-concept living and dining area features a cozy wood-burning fireplace and flows seamlessly into the generous-sized kitchen, which offers plenty of room for an island, additional storage, or a breakfast nook. Enjoy the convenience of in-unit laundry, a designated garage space, and a private storage closet. Step outside to the updated deck and patio, which provide direct access to the community pool—perfect for relaxing on warm summer days. Residents also enjoy access to two community rooms, including one with a pool table, creating great opportunities for entertaining and socializing. Whether you're looking for low-maintenance living, a first home, or down-sizing this well-maintained condo is one you won't want to miss!

Getting Around

35
WalkingCar-Dependent
0
TransitVery Limited Transit
39
BikeSomewhat Bikeable

Schools

Construction

Condition

  • Year built: 1981

Materials

  • Roof: Shingle,Asphalt
  • Construction materials: Brk Accent,Vinyl Siding

Type & Style

  • Home type: Condo
  • Property subType: Condominium

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Free-Standing Range,Refrigerator,Gas Water Heater
  • Laundry features: In Kitchen

Basement

  • Has basement: Yes
  • Basement: Block,Concrete,Interior Entry

Bedrooms & Bathrooms

  • Bedrooms: 1
  • Bathrooms: 1
  • Full bathrooms: 1

Features

  • Fireplace features: One,Living Room,Wood Burning
  • Fireplace: Yes
  • Finished area below ground: 0

Heating & Cooling

  • Heating features: Baseboard,Electric
  • Cooling features: Wall Unit(s)

Interior Area

  • Total interior livable area: 864 sqft

Other

  • Level: Upper

Other

  • Level: Main

Other

  • Level: Lower

Property

Details

  • Parcel number: 0904229019
  • Zoning: R-3
  • Special condition: Standard

Features

  • Pool features: In Ground
  • Patio & porch: Covered

Lot

  • Lot size: 3,049 sqft
  • Lot size dimensions: 0.07

Parking

  • Total spaces: 1
  • Parking features: 1 Stall,Detached Garage,Garage Door Opener
  • Covered spaces: 1
  • Carport 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

  • Hail
    HailRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Cold Wave
    Cold WaveModerate
  • Drought
    DroughtModerate
  • Inland Flooding
    Inland FloodingModerate

How This Home’s Risks Compare

Hail
Strong Wind
Tornado
Winter Weather
Cold Wave
Drought
Inland Flooding

FEMA Declared Disasters Across Iowa Counties

Tornado

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 $551$6,612
Home Insurance *$73$876
Property Taxes $133$1,596
Electricity $121$1,452
Total$878$10,536
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$30,102/yr
40% on housing$26,340/yr
45% on housing$23,413/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: 12.9%
12.9%
0%30.0%
Electricity Growth Rate10-year average: 1.9%
1.9%
0%15.0%
Property Taxes Growth Rate2-year average: -2.0%
-2.0%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$126This listing

vs Other Active Listings

Avg $/sqft

ZIP 50677$143
Bremer County$158

vs Homes Sold Last Month

Median $/sqft

ZIP 50677$147
Bremer County$127

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
2026-06-02Listed for sale$109,000
2021-03-24Listing removed--
2018-06-25Sold$68,000
2018-04-11Listed for sale$69,500
2008-08-05Sold$58,000

For Sale by Agent

AgentCara J Shanks
BrokerageCentury 21 Signature RE

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