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34759 Electric Park St, Ruthven, IA, 51358

2beds
2baths
1,280sqft
$353,500
$276price/sqft
$2,667/moest. monthly cost
$106,680/yrincome needed

About This Home

Welcome to your year-around retreat or your summer escape on beautiful Lost Island Lake! This stunning property offers breathtaking lake views and everything you need to enjoy lake life to the fullest. Featuring an open-concept living, kitchen, and dining area, this home is designed for relaxing and entertaining with ease. The spacious primary suite includes a walk-in closet, while the full bathroom offers convenient upstairs laundry hookups. An additional laundry setup is located in the oversized 3-car garage, which also features a bathroom/storm shelter for added peace of mind and functionality. Enjoy your own private beach directly in front of the property along with plenty of storage space for all your summer toys, boats, and lake gear. A boat hoist can easily be added for convenient lake access and endless days on the water. Whether you’re looking for a weekend getaway or the ultimate seasonal retreat, this Lost Island Lake property is ready for unforgettable summer memories!

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
25
BikeSomewhat Bikeable

Schools

4/10

Construction

Condition

  • Year built: 2017

Materials

  • Roof: Metal
  • Construction materials: Stone,Frame/Wood

Type & Style

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

Interior

Appliances

  • Appliances included: Electric Water Heater

Basement

  • Basement: None

Bathroom1

  • Level: Main

Bathroom2

  • Level: Upper

Bedroom1

  • Level: Upper

Bedroom2

  • Level: Upper

Bedrooms & Bathrooms

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

Features

  • Finished area below ground: 0
  • Finished area above ground: 1,280

Heating & Cooling

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

Interior Area

  • Total structure area: 1,280
  • Total interior livable area: 1,280 sqft

Kitchen

  • Level: Upper

Living Room

  • Level: Upper

Property

Details

  • Parcel number: 210506084163
  • Attached to another structure: Yes

Features

  • Levels: Two
  • Stories: 1
  • Exterior features: Boat Slip

Lot

  • Lot size: 8,712 sqft
  • Lot size dimensions: 60 x 90

Parking

  • Total spaces: 3
  • Parking features: Attached
  • Has garage: Yes
  • Attached garage spaces: 3
  • Covered spaces: 3

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

  • Cold Wave
    Cold WaveRelatively High
  • Drought
    DroughtRelatively High
  • Hail
    HailRelatively High
  • Lightning
    LightningRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Cold Wave
Drought
Hail
Lightning
Winter Weather
Strong Wind
Tornado

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 $1,787$21,444
Home Insurance *$502$6,024
Property Taxes $257$3,084
Electricity $121$1,452
Total$2,667$32,004
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$91,440/yr
40% on housing$80,010/yr
45% on housing$71,120/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: 17.9%
17.9%
0%30.0%
Electricity Growth Rate10-year average: 1.9%
1.9%
0%15.0%
Property Taxes Growth Rate2-year average: -2.8%
-2.8%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$276This listing

vs Other Active Listings

Avg $/sqft

ZIP 51358$155
Palo Alto County$94

vs Homes Sold Last Month

Median $/sqft

ZIP 51358
Palo Alto County$81

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)

No zestimate history available

Price History

DateEventPrice
2026-08-04Pending sale$353,500
2026-06-03Price change$353,500
2026-05-12Listed for sale$359,000
2012-05-24Sold$49,000

For Sale by Agent

AgentKari Stave
BrokerageEXIT Realty Midwest- Spencer/Emmetsburg

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