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208 Shiloh Vista Ave, Urbana, IA, 52345

3beds
2baths
1,673sqft
$424,900
$254price/sqft
$2,856/moest. monthly cost
$114,240/yrincome needed

About This Home

This gorgeous home is only 5 years old and still feels fresh, modern, and beautifully maintained! From the moment you walk in, you'll notice the incredible natural sunlight pouring through the windows, filling every room with warmth and making the entire home feel bright, airy, and welcoming. Perfectly situated at the end of the street with only a few neighboring homes, this location offers a peaceful setting with that wide-open Iowa feel right from your own backyard. Step outside, take in the view, and enjoy the quiet country-like atmosphere while still having the convenience of town nearby. The open-concept layout was designed for both everyday living and entertaining. The kitchen is truly the heart of the home, featuring a fantastic design with additional cabinetry, generous counter space with beautiful quartz counter tops, and plenty of room to cook, gather, and make memories. Whether you're hosting family holidays or enjoying a simple night at home, this space flows effortlessly. The bedrooms are all generously sized, giving everyone room to spread out and relax comfortably. And then there’s the basement — a blank canvas ready for your vision! Finish it exactly how you want and instantly add even more value and living space. There is room for 2 additional bedrooms, an amazing family room, a bathroom, and even space for a home office, gym, playroom, or hobby area. The possibilities down here are endless and allow this home to grow with your needs for years to come. If you're a garage lover, this one will not disappoint! 994 sq ft with 9ft. garage doors. It's so tall in there you have got to come see! So much to love inside and outside. This home gives you the best of both worlds — newer construction, peaceful surroundings, beautiful natural light, and room to customize the future.

Getting Around

2
WalkingCar-Dependent
0
TransitVery Limited Transit
23
BikeSomewhat Bikeable

Construction

Condition

  • Year built: 2021

Materials

  • Construction materials: Frame,Vinyl Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Dryer,Dishwasher,Disposal,Gas Water Heater,Microwave,Range,Refrigerator,Washer

Basement

  • Has basement: Yes
  • Basement: Full

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 2

Features

  • Kitchen/Dining Combo,Bath in Primary Bedroom,Main Level Primary
  • Finished area below ground: 0
  • Finished area above ground: 1,673

Heating & Cooling

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

Interior Area

  • Total interior livable area: 1,673 sqft

Other

  • Level: First

Property

Details

  • Parcel number: 20018270

Features

  • Stories: 1

Lot

  • Lot size: 0.30 Acres
  • Lot size dimensions: 83 x 154

Parking

  • Total spaces: 3
  • Parking features: Garage,Garage Door Opener
  • 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

  • Hail
    HailRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Drought
    DroughtModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Hail
Strong Wind
Winter Weather
Drought
Tornado

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 $2,148$25,776
Home Insurance *$273$3,276
Property Taxes $311$3,732
Electricity $124$1,497
Total$2,856$34,272
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$97,920/yr
40% on housing$85,680/yr
45% on housing$76,160/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: 14.6%
14.6%
0%30.0%
Electricity Growth Rate10-year average: 1.9%
1.9%
0%15.0%
Property Taxes Growth Rate2-year average: 0.7%
0.7%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$254This listing

vs Other Active Listings

Avg $/sqft

ZIP 52345$169
Benton County$230

vs Homes Sold Last Month

Median $/sqft

ZIP 52345$119
Benton County$104

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
2026-05-01Listed for sale$450,000
2021-11-05Sold$346,000
2019-08-28Sold$34,500

For Sale by Agent

AgentMichelle David
BrokeragePinnacle Realty LLC

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