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4506 220th Trl, Amana, IA, 52203

4beds
7baths
5,959sqft
$575,000
$96price/sqft
$4,617/moest. monthly cost
$184,680/yrincome needed

About This Home

A rare opportunity to own a distinctive mixed-use property offering exceptional flexibility for commercial, residential, or live/work use. The main level features expansive commercial space with the potential to extend that use into the second floor, or maintain commercial space on the main level with the upper level utilized as a private residence or income-producing rental. (Four Winds Apothecary to vacate by the end of February 2026.) Reported to be the 2nd oldest building in the village of Amana, 4506 220th Trl enjoys a prime location among the area’s established retail businesses, adding both historical significance and strong visibility. The main floor offers approximately 3,559 finished sqft, with an additional 2,400 finished sqft on the second level, totaling approximately 5,959 finished sqft. The upper-level living quarters include spacious living & dining rooms, a full kitchen, 3 full bathrooms, 2 1/2 baths, and a dedicated laundry room—ideal for owner occupancy or rental income. This sale includes three separate parcels:104009082, 104009086, 104009088. All square footage and property taxes to be verified by the buyer.

Getting Around

48
WalkingCar-Dependent
0
TransitVery Limited Transit
38
BikeSomewhat Bikeable

Schools

7/10
Amana Elementary SchoolGrades PK-51.4 mi
8/10
7/10

Construction

Condition

  • Year built: 1856

Materials

  • Construction materials: Brick,Frame

Type & Style

  • Home type: SingleFamily
  • Property subType: Income Investment,Residential

Interior

Appliances

  • Appliances included: Dryer,Range Or Oven,Refrigerator,Washer
  • Laundry features: Upper Level,Laundry Room

Basement

  • Has basement: Yes
  • Basement: Block,Full,Unfinished

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 7
  • Full bathrooms: 3
  • 1/2 bathrooms: 4

Features

  • Bookcases,Vaulted Ceiling(s),Pantry
  • Flooring: Carpet,Wood
  • Fireplace features: None
  • Finished area below ground: 0
  • Finished area above ground: 5,959

Heating & Cooling

  • Heating features: Electric,Natural Gas,Other
  • Cooling features: Central Air

Interior Area

  • Total structure area: 5,959
  • Total interior livable area: 5,959 sqft

Property

Details

  • Parcel number: 104009082*
  • Zoning: Commercial
  • Special condition: Standard

Features

  • Levels: Two
  • Stories: 2
  • Patio & porch: Deck

Lot

  • Lot size: 0.35 Acres
  • Features: Less Than Half Acre
  • Lot size dimensions: Irregular

Parking

  • Parking features: Off Street

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
    Strong WindVery High
  • Tornado
    TornadoVery High
  • Drought
    DroughtRelatively High
  • Hail
    HailRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Cold Wave
    Cold WaveModerate
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Ice Storm
    Ice StormModerate
  • Lightning
    LightningModerate

How This Home’s Risks Compare

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

FEMA Declared Disasters Across Iowa Counties

Flood
Severe Storm
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 $2,907$34,884
Home Insurance *$487$5,844
Property Taxes $779$9,348
Electricity $444$5,334
Total$4,617$55,404
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$158,297/yr
40% on housing$138,510/yr
45% on housing$123,120/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: 11.9%
11.9%
0%30.0%
Electricity Growth Rate10-year average: 1.9%
1.9%
0%15.0%
Property Taxes Growth Rate2-year average: -0.4%
-0.4%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$96This listing

vs Other Active Listings

Avg $/sqft

ZIP 52203$137
Iowa County$131

vs Homes Sold Last Month

Median $/sqft

ZIP 52203
Iowa County$98

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
2026-02-11Listed for sale$575,000
2026-01-01Listing removed$575,000
2025-05-02Listed for sale$575,000

For Sale by Agent

AgentTerri Larson
BrokerageLepic-Kroeger, REALTORS

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