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495 NW Independence Cir, Waukee, IA, 50263

4beds
3baths
2,163sqft
$434,900
$201price/sqft
$3,096/moest. monthly cost
$123,840/yrincome needed

About This Home

Destiny Homes presents the MOVE IN READY Hansbury Plan, located in Indi Run, walking distance to Waukee Northwest High School. This WALK-OUT Hansbury, features 4 bedrooms, 2.5 baths and over 2163 sq ft of living space. Enter into the foyer and find 9 ft. ceilings with a private office area boasting glass french doors. Moving on down the foyer it opens up to the great room/dining area/kitchen, complete with LVP flooring throughout. Discover the oversized windows, Legacy soft close cabinets, quartz countertops, tile backsplash and a walk-in pantry. The Sliders off the dining area take you out to the covered deck area. Moving upstairs, the large primary ensuite features a tray ceiling with tiled shower, dual vanities and a walk-in closet. Three additional bedrooms, bath and laundry room complete the upper level. The WALK-OUT lower level has plenty of options for future finish and storage. Board & Batten, Hardie Color Plus Siding and stone accents complete the exterior. Energy Star rated with a 2-year Extended Builder Warranty. Ask about $2,000 in closing costs provided by preferred lender. All information obtained from seller and public record.

Getting Around

12
WalkingCar-Dependent
0
TransitVery Limited Transit
41
BikeSomewhat Bikeable

Schools

8/10
Radiant ElementaryGrades K-52.6 mi
6/10
Trailridge SchoolGrades 6-71.3 mi
9/10
Northwest High SchoolGrades 10-120.4 mi

Construction

Condition

  • Property condition: New Construction
  • New construction: Yes
  • Year built: 2025

Materials

  • Foundation: Poured
  • Roof: Asphalt,Shingle
  • Construction materials: Cement Siding,Stone

Other

  • Builder name: Destiny Homes

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Microwave,Stove
  • Laundry features: Upper Level

Basement

  • Has basement: Yes
  • Basement: Daylight,Unfinished

Bedrooms & Bathrooms

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

Features

  • Dining Area,Eat-in Kitchen
  • Flooring: Carpet
  • Number of fireplaces: 1
  • Fireplace features: Electric
  • Fireplace: Yes

Heating & Cooling

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

Interior Area

  • Total structure area: 2,163
  • Total interior livable area: 2,163 sqft

Property

Details

  • Parcel number: 1228403004
  • Zoning: R

Features

  • Levels: Two
  • Stories: 2
  • Patio & porch: Covered,Deck,Patio
  • Exterior features: Deck,Patio

Lot

  • Lot size: 10,454 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
  • Lightning
    LightningModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Strong Wind
Tornado
Cold Wave
Drought
Hail
Heat Wave
Inland Flooding
Ice Storm
Lightning
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 $2,199$26,388
Home Insurance *$189$2,268
Property Taxes $547$6,564
Electricity $161$1,936
Total$3,096$37,152
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$106,148/yr
40% on housing$92,880/yr
45% on housing$82,560/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: 12.3%
12.3%
0%30.0%
Electricity Growth Rate10-year average: 1.9%
1.9%
0%15.0%
Property Taxes Growth Rate2-year average: 0.0%
0.0%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$201This listing

vs Other Active Listings

Avg $/sqft

ZIP 50263$234
Dallas County$241

vs Homes Sold Last Month

Median $/sqft

ZIP 50263$265
Dallas County$261

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
2025-12-10Price change$434,900
2025-11-07Listed for sale$439,900
2025-10-29Listing removed$459,900
2025-04-25Price change$459,900
2025-04-07Price change$461,200
2025-03-27Listed for sale$457,900

New Construction Spec

AgentAndy Dodd
BrokerageRE/MAX Precision

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