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617 7th St NW, Mount Vernon, IA, 52314

5beds
3baths
2,350sqft
$335,000
$143price/sqft
$2,451/moest. monthly cost
$98,040/yrincome needed

About This Home

Some homes simply have a presence—and from the moment you arrive, you'll understand why. Perfectly situated on a beautiful corner lot in the heart of Mt. Vernon, this lovingly maintained two-story home is filled with the kind of craftsmanship that simply can't be replicated today. Gorgeous original woodwork, rich hardwood floors, elegant trim, built-ins, and stunning architectural details create warmth and character around every corner. Inside, you'll discover over three finished levels offering space for everyone, including 3 spacious bedrooms, a non-conforming fourth bedroom in the lower level, 3 full bathrooms, and a finished attic that makes an ideal family room, guest retreat, playroom, office, or creative studio. As a bonus, you will find large closets throughout the home for everyday storage/organizing needs. The inviting wraparound porch welcomes you inside to bright, spacious living areas that flow beautifully together. Large windows—all replaced throughout the home—fill each room with natural light while preserving the home's timeless charm. Whether you're gathering around the dining table with family, or relaxing in one of the generous living spaces, every room feels warm, inviting, and full of history. The spacious kitchen offers great cabinetry and workspace, while the finished lower level provides additional living space, a full bathroom, laundry area, storage, and endless flexibility for hobbies, guests, or recreation. Outside, the oversized lot is shaded by mature trees and offers plenty of room to play, garden, or entertain. The large attached two-stall garage is an exceptional feature rarely found with homes of this vintage, providing both convenience and additional storage. Homes like this don't come along often. If you've been searching for timeless craftsmanship, generous living space, thoughtful updates, and the charm of small-town living, this Mt. Vernon beauty is ready to welcome its next chapter.

Getting Around

46
WalkingCar-Dependent
0
TransitVery Limited Transit
40
BikeSomewhat Bikeable

Schools

7/10
10/10
6/10
Mount Vernon High SchoolGrades 9-120.7 mi

Construction

Condition

  • Year built: 1920

Materials

  • Construction materials: Frame,Wood Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Gas Water Heater,Water Softener Owned

Basement

  • Has basement: Yes
  • Basement: Full

Bedrooms & Bathrooms

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

Features

  • Dining Area,Separate/Formal Dining Room,Kitchen/Dining Combo,Upper Level Primary
  • Finished area below ground: 220
  • Finished area above ground: 2,130

Heating & Cooling

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

Interior Area

  • Total interior livable area: 2,350 sqft

Other

  • Level: Second

Property

Details

  • Parcel number: 171025200400000

Features

  • Levels: Two
  • Stories: 2

Lot

  • Lot size: 9,757 sqft
  • Lot size dimensions: 77 x 126

Parking

  • Total spaces: 2
  • Parking features: Attached,Garage,Garage Door Opener
  • 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

  • Hail
    HailRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Cold Wave
    Cold WaveModerate
  • Ice Storm
    Ice StormModerate
  • Lightning
    LightningModerate

How This Home’s Risks Compare

Hail
Strong Wind
Tornado
Winter Weather
Cold Wave
Ice Storm
Lightning

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 $1,693$20,316
Home Insurance *$171$2,052
Property Taxes $412$4,944
Electricity $175$2,103
Total$2,451$29,412
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$84,034/yr
40% on housing$73,530/yr
45% on housing$65,360/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: 13.0%
13.0%
0%30.0%
Electricity Growth Rate10-year average: 1.9%
1.9%
0%15.0%
Property Taxes Growth Rate2-year average: 1.3%
1.3%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$143This listing

vs Other Active Listings

Avg $/sqft

ZIP 52314$180
Linn County$163

vs Homes Sold Last Month

Median $/sqft

ZIP 52314$160
Linn County$132

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
2026-08-11Price change$325,000
2026-07-31Listed for sale$335,000

For Sale by Agent

AgentMeagan Bennett-Twins Home Team
BrokerageLee's Town & Country Real Estate

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