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841 Palmer St, Oakland, IA, 51560

4beds
2baths
2,200sqft
$269,000
$122price/sqft
$2,378/moest. monthly cost
$95,120/yrincome needed

About This Home

Selling our beautifully remodeled home in Oakland Iowa! Fully remodeled in 2024 with large addition and 2 stall garage added! New water heater in 2025, new kitchen and quartz countertops! Very cute and cozy home! Mechanical room and laundry are located downstairs! 220w heater in fully finished 2 stall garage! Currently living in home but can show anytime! Call or text with any questions!

Getting Around

15
WalkingCar-Dependent
0
TransitVery Limited Transit
11
BikeSomewhat Bikeable

Schools

Construction

Type & Style

  • Home type: SingleFamily

Interior

Basement

  • Basement: Basement (not specified)

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 2
  • Full bathrooms: 2

Interior Area

  • Total interior livable area: 2,200 sqft

Property

Lot

  • Lot size: 8,000 sqft

Parking

  • Parking features: Garage

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
  • Tornado
    TornadoRelatively High
  • Cold Wave
    Cold WaveModerate
  • Drought
    DroughtModerate
  • Inland Flooding
    Inland FloodingModerate
  • Ice Storm
    Ice StormModerate
  • Lightning
    LightningModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Hail
Strong Wind
Tornado
Cold Wave
Drought
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 $1,360$16,320
Home Insurance *$559$6,708
Property Taxes $295$3,540
Electricity $164$1,969
Total$2,378$28,536
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$81,531/yr
40% on housing$71,340/yr
45% on housing$63,413/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: 12.5%
12.5%
0%30.0%
Electricity Growth Rate10-year average: 1.9%
1.9%
0%15.0%
Property Taxes Growth Rate2-year average: 0.5%
0.5%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$122This listing

vs Other Active Listings

Avg $/sqft

ZIP 51560$121
Pottawattamie County$142

vs Homes Sold Last Month

Median $/sqft

ZIP 51560$68
Pottawattamie County$154

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
2026-04-05Price change$290,000
2026-03-25Listed for sale$295,000

For Sale by Owner

AgentProperty Owner

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