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209 W 3rd St #Et, Lamoni, IA, 50140

3beds
1baths
1,152sqft
$147,000
$128price/sqft
$1,167/moest. monthly cost
$46,680/yrincome needed

About This Home

If you desire Ranch style living then this is the just perfect and just right home for you. Open floor plan, 3BR, 1 full bath on main level, 3/4 bath in basement, full basement and fenced backyard. Close to schools and town shopping. RENOVATIONS In 2020: New vinyl siding, soffits and gutters, new windows, new front yard deck. In 2016 new vinyl plank flooring, new light fixtures, new tile work in bathroom, new landscaping.

Getting Around

59
WalkingSomewhat Walkable
0
TransitVery Limited Transit
72
BikeVery Bikeable

Schools

6/10
Lamoni Elementary SchoolGrades PK-50.2 mi
7/10
Lamoni Middle SchoolGrades 6-80.2 mi
3/10
Lamoni High SchoolGrades 9-120.2 mi

Construction

Condition

  • Year built: 1974

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Microwave

Basement

  • Area: 800

Basement

  • Has basement: Yes
  • Basement: Full,Partially Finished

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 1
  • Full bathrooms: 1

Features

  • Flooring: Carpet,Laminate
  • Finished area above ground: 1,152

Heating & Cooling

  • Heating features: Natural Gas,Baseboard,Hot Water,Radiant
  • Cooling features: Central

Interior Area

  • Total structure area: 1,952
  • Total interior livable area: 1,152 sqft

Property

Details

  • Parcel number: 1311103016
  • Lease amount: 0

Features

  • Stories: 1
  • Has view: Yes
  • View description: Street

Lot

  • Lot size: 8,775 sqft

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 WaveVery High
  • Strong Wind
    Strong WindVery High
  • Tornado
    TornadoVery High
  • Drought
    DroughtRelatively High
  • Hail
    HailRelatively High
  • Heat Wave
    Heat WaveRelatively High
  • Lightning
    LightningRelatively High
  • Inland Flooding
    Inland FloodingModerate
  • Landslide
    LandslideModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Strong Wind
Tornado
Drought
Hail
Heat Wave
Lightning
Inland Flooding
Landslide
Winter Weather

FEMA Declared Disasters Across Iowa Counties

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 $743$8,916
Home Insurance *$141$1,692
Property Taxes $162$1,944
Electricity $121$1,452
Total$1,167$14,004
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$40,011/yr
40% on housing$35,010/yr
45% on housing$31,120/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: 13.9%
13.9%
0%30.0%
Electricity Growth Rate10-year average: 1.9%
1.9%
0%15.0%
Property Taxes Growth Rate2-year average: -4.3%
-4.3%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$128This listing

vs Other Active Listings

Avg $/sqft

ZIP 50140$75
Decatur County$419

vs Homes Sold Last Month

Median $/sqft

ZIP 50140
Decatur County$106

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
2026-07-22Price change$147,000
2026-07-16Listed for sale$152,000

For Sale by Agent

AgentTabor Nowlin
BrokeragePreferred Properties Real Estate Services

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