




434 Belmont Ave, Waterloo, IA, 50701
About This Home
Tucked into a Waterloo neighborhood where daily life feels simple and manageable, this thoughtfully renovated townhouse offers a practical layout paired with comfortable outdoor space. From the moment you arrive, the home presents an easygoing lifestyle—one designed for low maintenance and everyday convenience. Stepping through the front door, the main level unfolds into a welcoming living room that naturally connects to the dining area and kitchen beyond. The layout encourages an easy rhythm for daily routines, whether it’s relaxing in the living space, gathering for a quick dinner, or catching up over coffee at the table. In the kitchen, recently installed appliances—including a new stove and refrigerator—provide a fresh start for meal prep while maintaining a clean, efficient workspace that supports both quick weeknight cooking and leisurely weekend mornings. Upstairs, the home’s two bedrooms offer comfortable proportions and flexibility for rest, work, or hobbies. Each space feels bright and practical, creating a quiet retreat at the end of the day. The full bathroom adds a touch of character with its carefully chosen accent tile and a glass block window that filters in soft natural light while maintaining privacy—an inviting detail that elevates the everyday routine. Out back, the home continues to surprise with a fenced courtyard-style yard designed for private outdoor living. A patio seating area creates the perfect setting for morning coffee, casual dinners, or simply unwinding in the fresh air. The fully fenced space offers both security and charm, while a dedicated parking pad at the rear provides convenient off-street parking. Fully renovated and ready for its next chapter, this Waterloo townhouse blends smart design with manageable living—an ideal option for those seeking a move-in ready home where comfort, simplicity, and thoughtful updates come together.
Getting Around
Schools
Construction
Condition
- Year built: 1929
Materials
- Roof: Membrane
- Construction materials: Brick
Type & Style
- Home type: Townhouse
- Property subType: Townhouse
Interior
Appliances
- Appliances included: Microwave Built In,Free-Standing Range,Refrigerator,Electric Water Heater
- Laundry features: Gas Dryer Hookup,Lower Level,Washer Hookup
Basement
- Has basement: Yes
- Basement: Interior Entry,Unfinished
Bedrooms & Bathrooms
- Bedrooms: 2
- Bathrooms: 1
- Full bathrooms: 1
Features
- Flooring: Hardwood
- Fireplace features: None
- Finished area below ground: 0
Heating & Cooling
- Heating features: Natural Gas
- Cooling features: Central Air
Interior Area
- Total interior livable area: 864 sqft
Other
- Level: Upper
Other
- Level: Main
Other
- Level: Lower
Property
Details
- Parcel number: 891326156056
- Zoning: R-P
- Special condition: Standard
Features
- Patio & porch: Patio
Lot
- Lot size: 1,306 sqft
- Lot size dimensions: 17x80
Parking
- Parking features: None
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
- Strong Wind
- Winter Weather
- Hail
- Tornado
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 | $505 | $6,060 |
| Home Insurance * | $89 | $1,068 |
| Property Taxes | $164 | $1,968 |
| Electricity | $121 | $1,452 |
| Total | $879 | $10,548 |
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 |
|---|---|---|
| 2026-04-23 | Price change | $114,900 |
| 2026-03-26 | Listed for sale | $124,900 |
| 2018-09-07 | Listing removed | $500 |
| 2018-08-28 | Price change | $500 |
| 2018-08-08 | Price change | $550 |
| 2018-07-26 | Price change | $575 |
| 2018-06-21 | Price change | $600 |
| 2018-06-15 | Listed for rent | $575 |
| 2018-02-17 | Listing removed | $575 |
| 2018-02-11 | Price change | $575 |
| 2018-01-16 | Price change | $550 |
| 2017-12-12 | Listed for rent | $595 |
| 2015-05-08 | Sold | $37,000 |
| 2013-05-19 | Listing removed | $43,900 |
| 2013-03-21 | Listed for sale | $43,900 |
