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113 Countryside Rd, Luana, IA, 52156

5beds
3baths
3,070sqft
$515,000
$168price/sqft
$3,755/moest. monthly cost
$150,200/yrincome needed

About This Home

A short drive from the Mississippi River and just a mile away from the beautiful Tri-City Golf Course, Countryside Estates combines the convenience of town services with the tranquility of country living. FOR SALE BY OWNER - Call Sarah 563.539.6102. This showstopping NEW Spec Home to be completed Spring 2026 is sure to impress. This unique home boasts a beautiful design, quality finishes, bold color schemes, grand vaulted ceilings, spacious 1099sf garage, gorgeous master suite, and more. MAIN FLOOR: 1868 SF. Floor plans provide 3 BR/2 Bath on main floor with beautiful master suite and walk in shower/closet, spacious open concept family, dining, and kitchen areas with expansive vaulted ceilings, and more. UNFINISHED BASEMENT: 1868 SF (1202 available to finish + storage/utility). Unfinished front walkout basement provides plans for 2 BR/1 bath and the flexibility for buyers to finish as they choose based on their needs and preferences. (Pre-Sale may provide option for builder to finish basement in advance!) INCREDIBLE FINANCING INCENTIVES AVAILABLE through Luana Savings Bank for qualified borrowers provides nearly $10,000 in annual savings compared to similar homes with standard financing, plus CITY OF LUANA 10 Year Tax Abatement provides 10's of Thousands in property tax savings over 10 years!! Beautiful, safe and quiet, family-friendly community in the MFL MarMac Community School district with school bus pickup at the subdivision. With 22 homes completed, it's the perfect place for your family to call home. Contact us for more details, to view floor plans, and to learn the incredible value and savings of living in Countryside Estates! 3D and enhanced renderings to assist visualization, actual construction/colors may slightly vary. Costs may vary based on final construction costs. Lots also for sale, walkout sites still available - limited inventory so call today!

Getting Around

6
WalkingCar-Dependent
0
TransitVery Limited Transit
11
BikeSomewhat Bikeable

Schools

5/10
9/10
MFL MarMac Middle SchoolGrades 6-813.5 mi
5/10
MFL MarMac High SchoolGrades 9-122.9 mi

Construction

Condition

  • Year built: 2026

Type & Style

  • Home type: SingleFamily

Interior

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 3
  • Full bathrooms: 3

Heating & Cooling

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

Interior Area

  • Total interior livable area: 3,070 sqft

Property

Lot

  • Lot size: 0.39 Acres

Parking

  • Total spaces: 3
  • Parking features: Garage - Attached

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
  • Hail
    HailRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Drought
    DroughtModerate
  • Inland Flooding
    Inland FloodingModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Hail
Strong Wind
Tornado
Drought
Inland Flooding
Winter Weather

FEMA Declared Disasters Across Iowa Counties

Flood
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 $2,604$31,248
Home Insurance *$502$6,024
Property Taxes $420$5,040
Electricity $229$2,748
Total$3,755$45,060
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$128,742/yr
40% on housing$112,650/yr
45% on housing$100,133/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: 15.7%
15.7%
0%30.0%
Electricity Growth Rate10-year average: 1.9%
1.9%
0%15.0%
Property Taxes Growth Rate2-year average: -1.6%
-1.6%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$168This listing

vs Other Active Listings

Avg $/sqft

ZIP 52156$116
Clayton County$149

vs Homes Sold Last Month

Median $/sqft

ZIP 52156
Clayton County$70

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
2026-03-05Listed for sale$515,000

For Sale by Owner

AgentProperty Owner

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