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1228 N 16th St, Denison, IA, 51442

3beds
2baths
1,448sqft
$284,900
$197price/sqft
$2,168/moest. monthly cost
$86,720/yrincome needed

About This Home

Welcome to your dream home!! You are going to love coming home to this beautiful newly constructed, energy efficient quality home. Built with your comfort in mind, you will enjoy the open floor plan, large kitchen with pantry, island, and appliances already installed, open to dining area and living area. The master suite with walk in closet and private bath is spacious and well appointed. Two additional bedrooms also offer walk-in closets. The full main bath is well appointed. Let's talk modern efficiency- you will love the quiet comfort of the in- floor heat, and the entire house was built with energy efficiency in mind. Now step out the sliding doors off of the dining area, on to the covered back patio/ porch area- perfect to share your morning coffee with the sunrise and enjoy the view, as the yard backs up to a wooded area and a field with plenty of wildlife for you to enjoy! In the evening you can sit on the covered front patio and watch the sun go down behind the wooded area in front- no neighbors across the street. The oversized 2 car garage offer plenty of space for all of your things. Lawn will receive finally grading and be professionally seeded. There is really nothing to not like about this beautiful new home!

Getting Around

7
WalkingCar-Dependent
0
TransitVery Limited Transit
11
BikeSomewhat Bikeable

Schools

3/10
Denison Elementary SchoolGrades PK-31.2 mi
7/10
Denison Middle SchoolGrades 6-80.2 mi
4/10
Denison High SchoolGrades 9-120.6 mi

Construction

Condition

  • Year built: 2025

Materials

  • Construction materials: Wood Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Range,Microwave,Exhaust Fan,Dishwasher,Refrigerator,Tankless Water Heater

Basement

  • Has basement: Yes
  • Basement: Sump Pump,Slab

Bedrooms & Bathrooms

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

Features

  • Window features: ENERGY STAR Qualified Windows
  • Finished area above ground: 1,448

Heating & Cooling

  • Heating features: Radiant Floor
  • Cooling features: Ductless,Whole House Fan

Interior Area

  • Total interior livable area: 1,448 sqft

Property

Accessibility

  • Accessibility features: No Stairs External,No Stairs Internal

Details

  • Parcel number: 1302252015

Lot

  • Lot size: 9,147 sqft
  • Lot size dimensions: 83' x 112'

Parking

  • Total spaces: 2
  • Parking features: Attached,Concrete
  • 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

  • Tornado
    TornadoVery High
  • Cold Wave
    Cold WaveRelatively High
  • Hail
    HailRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Ice Storm
    Ice StormRelatively High
  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Drought
    DroughtModerate

How This Home’s Risks Compare

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

FEMA Declared Disasters Across Iowa Counties

Severe Storm
Tornado
Winter Storm

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 $1,440$17,280
Home Insurance *$304$3,648
Property Taxes $303$3,636
Electricity $121$1,452
Total$2,168$26,016
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$74,331/yr
40% on housing$65,040/yr
45% on housing$57,813/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: 13.7%
13.7%
0%30.0%
Electricity Growth Rate10-year average: 1.9%
1.9%
0%15.0%
Property Taxes Growth Rate2-year average: 6.4%
6.4%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$197This listing

vs Other Active Listings

Avg $/sqft

ZIP 51442$101
Crawford County$155

vs Homes Sold Last Month

Median $/sqft

ZIP 51442
Crawford County$102

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
2026-05-12Price change$284,900
2025-08-13Listed for sale$297,400

For Sale by Agent

AgentDave Wiges
BrokerageMcCord Insurance & Real Estate

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