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205 Deer Haven St, Polk City, IA, 50226

3beds
2baths
1,366sqft
$378,000
$277price/sqft
$2,659/moest. monthly cost
$106,360/yrincome needed

About This Home

Very Well-Maintained Polk City 3 Bedroom Ranch with 1,366 Square Feet Finished. Built in 2019 by a Premier Builder Tanzanite Homes. Super Nice Area with very little Traffic, walking distance to Uptown. Offers a Master Bedroom with Walk-In Closets and Master Bath that has a Convenient 2 Basin sink with Quartz Countertop & Walk-In Shower. 2 Additional Bedrooms are good Size with large Closet space & a Full Bath (Bed in one Bedroom included). Large Open Family Room with Fireplace which opens to spacious Kitchen with Quartz Countertops. Large Island for Food Preparation & Breakfast Bar that has space for 3 Stools. Stainless Steel Appliances that are included. Kitchen also includes a nice size Pantry. Large Flat Screen T.V. above Fireplace is included. Two Additional Flat Screen T.V.s in the Bedrooms are included. Kitchen area opens to a good size Deck & has stairs to a Stamped Patio area. Laundry Room with Stainless Steel Washer/Dryer that are included. Nice Drop Zone bench area & is just off the Garage Entrance with Nice size 2 Car Attached Garage with an extra concrete paved parking for another Vehicle, Boat or Camper. Partially Fenced Yard. Lower level can be finished for additional bedrooms, bathroom, game room, storage area, incorporates 2 Egress Windows. Just a few blocks from the Polk City square, shopping, restaurants, & just a few minutes from Corp of Engineer Saylorville Lake and Big Creek State Park. Bike Trails throughout Polk City & Additional trails being added.

Getting Around

26
WalkingCar-Dependent
0
TransitVery Limited Transit
27
BikeSomewhat Bikeable

Schools

10/10
North Polk Middle SchoolGrades 6-86.0 mi
8/10
North Polk High SchoolGrades 9-125.9 mi

Construction

Condition

  • Year built: 2019

Materials

  • Foundation: Poured
  • Roof: Asphalt,Shingle
  • Construction materials: Vinyl Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: Ranch
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dryer,Dishwasher,Microwave,Refrigerator,Stove,Washer

Basement

  • Has basement: Yes
  • Basement: Egress Windows,Unfinished

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 1
  • 3/4 bathrooms: 1
  • Main level bedrooms: 3

Features

  • Dining Area,Window Treatments
  • Flooring: Carpet
  • Fireplace features: Gas,Vented
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Natural Gas
  • Cooling features: Central Air

Interior Area

  • Total structure area: 1,366
  • Total interior livable area: 1,366 sqft

Property

Details

  • Parcel number: 26100177340034
  • Zoning: PUD

Features

  • Stories: 1
  • Patio & porch: Deck,Open,Patio
  • Exterior features: Deck,Sprinkler/Irrigation,Patio

Lot

  • Lot size: 7,535 sqft

Parking

  • Total spaces: 2
  • Parking features: Attached,Garage,Two Car 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
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Cold Wave
    Cold WaveModerate
  • Drought
    DroughtModerate
  • Hail
    HailModerate
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Ice Storm
    Ice StormModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

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

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 $1,911$22,932
Home Insurance *$142$1,704
Property Taxes $485$5,820
Electricity $121$1,452
Total$2,659$31,908
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$91,165/yr
40% on housing$79,770/yr
45% on housing$70,906/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: 12.2%
12.2%
0%30.0%
Electricity Growth Rate10-year average: 1.9%
1.9%
0%15.0%
Property Taxes Growth Rate2-year average: -2.3%
-2.3%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$277This listing

vs Other Active Listings

Avg $/sqft

ZIP 50226$271
Polk County$193

vs Homes Sold Last Month

Median $/sqft

ZIP 50226$273
Polk County$213

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
2026-07-14Price change$378,000
2026-05-29Listed for sale$399,900
2020-04-01Sold$266,900
2020-02-21Pending sale$266,900
2019-09-28Listed for sale$266,900
2019-05-22Sold$57,000

For Sale by Agent

AgentRandy Murphy
BrokerageLPT Realty, LLC

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