20 Lido Rd, Clear Lake, IA, 50428
About This Home
Wake up to the gentle shimmer of the pond and end every evening from your private dock — this is the lake lifestyle you’ve been waiting for. Built in 2004 and offering 3,763 finished square feet, this exceptional 5-bedroom, 4-bath home delivers the perfect blend of everyday comfort and effortless entertaining. The main floor is designed for ease of living, with three bedrooms, three bathrooms, and convenient main-floor laundry — everything you need without ever touching the stairs. The kitchen shines with stainless steel appliances, and the generous open living spaces were made for gathering, whether it’s an intimate dinner or a full summer crowd. Step down to the walkout basement and straight onto a beautifully finished paver patio overlooking the pond & a small dock — your private outdoor retreat for morning coffee or sunset cocktails. A dedicated walking path leads to the lake and dock, with potential of a boat slip. With a 3-car garage, there’s plenty of room for the kayaks, paddle boards, and all the gear that comes with living this close to the water.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 2004
Materials
- Roof: Shingle
- Construction materials: Vinyl Siding
Type & Style
- Home type: SingleFamily
- Architectural style: Ranch
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Range,Microwave,Exhaust Fan,Dishwasher,Water Softener Owned
Basement
- Has basement: Yes
- Basement: Full,Partially Finished,Sump Pump
Bedroom2
- Level: Main
- Area: 127.65
- Dimensions: 11.1x11.5
Bedroom3
- Level: Main
- Area: 163.03
- Dimensions: 13.7x11.9
Bedroom4
- Level: Lower
- Area: 198.95
- Dimensions: 17.3x11.5
Bedrooms & Bathrooms
- Bedrooms: 5
- Bathrooms: 4
- Full bathrooms: 2
- 3/4 bathrooms: 1
- 1/2 bathrooms: 1
Dining Room
- Level: Main
- Area: 174.3
- Dimensions: 10.5x16.6
Family Room
- Level: Lower
- Area: 575.24
- Dimensions: 29.2x19.7
Features
- Finished area below ground: 1,625
Heating & Cooling
- Heating features: Boiler,Radiant Floor
- Cooling features: Central Air
Interior Area
- Total interior livable area: 3,763 sqft
Kitchen
- Level: Main
- Area: 247.76
- Dimensions: 15.2x16.3
Living Room
- Level: Main
- Area: 412.05
- Dimensions: 20.1x20.5
Other
- Level: Main
- Area: 216.08
- Dimensions: 14.8x14.6
Other
- Level: Lower
- Area: 192.56
- Dimensions: 11.6x16.6
Other
- Level: Lower
- Area: 421.4
- Dimensions: 24.5x17.2
Other
- Level: Lower
- Area: 143.56
- Dimensions: 14.8x9.7
Other
- Area: 51
- Dimensions: 7.5x6.8
Other
- Level: Main
- Area: 163.75
- Dimensions: 13.1x12.5
Other
- Level: Main
- Area: 77.43
- Dimensions: 8.9x8.7
Property
Accessibility
- Accessibility features: None
Details
- Parcel number: 051627800500
Lot
- Lot size: 0.28 Acres
- Lot size dimensions: 95 x 130
Parking
- Total spaces: 3
- Parking features: Attached,Concrete
- 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
- Tornado
- Winter Weather
- Cold Wave
- Drought
- Hail
- Inland Flooding
- Strong Wind
How This Home’s Risks Compare
FEMA Declared Disasters Across Iowa Counties
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $3,534 | $42,408 |
| Home Insurance * | $468 | $5,616 |
| Property Taxes | $739 | $8,868 |
| Electricity | $280 | $3,368 |
| Total | $5,021 | $60,252 |
Income You'd Need if You Spent...
Iowa FAIR Plan Programs
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-07-09 | Price change | $699,000 |
| 2026-05-15 | Listed for sale | $709,900 |
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