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412 E 4th St, Readlyn, IA, 50668

4beds
2baths
1,601sqft
$165,000
$103price/sqft
$1,306/moest. monthly cost
$52,240/yrincome needed

About This Home

This charming 4-bedroom, 2-bath home combines modern updates with small-town comfort. Situated on a mature lot with beautiful trees, the property offers a peaceful setting while still being close to local amenities. Recent updates include new mechanicals and updated electrical, giving you peace of mind and efficiency for years to come. The home also features a 1-stall attached garage for convenience and extra storage, with a breezeway connecting you to the home. With plenty of space, thoughtful upgrades, and a welcoming neighborhood feel, this home is move-in ready and full of potential.

Getting Around

39
WalkingCar-Dependent
0
TransitVery Limited Transit
34
BikeSomewhat Bikeable

Schools

9/10
Readlyn Elementary SchoolGrades PK-60.2 mi
5/10
Wapsie Valley High SchoolGrades 7-124.4 mi

Construction

Condition

  • Year built: 1908

Materials

  • Roof: Shingle,Asphalt
  • Construction materials: Vinyl Siding

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Basement

  • Has basement: Yes
  • Basement: Partially Finished

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 2
  • Full bathrooms: 1
  • 1/2 bathrooms: 1

Features

  • Fireplace features: None
  • Finished area below ground: 0

Heating & Cooling

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

Interior Area

  • Total interior livable area: 1,601 sqft

Other

  • Level: Upper

Other

  • Level: Main

Other

  • Level: Lower

Property

Details

  • Parcel number: 1111430006
  • Zoning: R-1
  • Special condition: Standard

Features

  • Exterior features: Breezeway

Lot

  • Lot size: 0.26 Acres
  • Lot size dimensions: 100 x 115

Parking

  • Total spaces: 1
  • Parking features: 1 Stall,Attached Garage
  • Covered spaces: 1
  • Carport spaces: 1

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

  • Drought
    DroughtRelatively High
  • Cold Wave
    Cold WaveModerate
  • Hail
    HailModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Drought
Cold Wave
Hail
Strong Wind
Tornado
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 $834$10,008
Home Insurance *$165$1,980
Property Taxes $186$2,232
Electricity $121$1,452
Total$1,306$15,672
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$44,777/yr
40% on housing$39,180/yr
45% on housing$34,826/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: 12.9%
12.9%
0%30.0%
Electricity Growth Rate10-year average: 1.9%
1.9%
0%15.0%
Property Taxes Growth Rate2-year average: -2.0%
-2.0%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$103This listing

vs Other Active Listings

Avg $/sqft

ZIP 50668
Bremer County$157

vs Homes Sold Last Month

Median $/sqft

ZIP 50668$114
Bremer County$127

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
2026-04-19Price change$174,000
2025-10-20Listed for sale$179,000
2006-04-10Sold$75,500

For Sale by Agent

AgentMonica Benz
BrokerageOakridge Real Estate

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