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310 12th St NE, Waverly, IA, 50677

4beds
4baths
3,397sqft
$584,900
$172price/sqft
$4,399/moest. monthly cost
$175,960/yrincome needed

About This Home

Nestled on a beautifully wooded half-acre lot in the highly sought-after High Point Addition of Waverly, this exceptional 4-bedroom, 4-bathroom home offers the perfect blend of luxury, privacy, and everyday functionality. Tucked away on a quiet dead-end road and surrounded by mature trees, this property provides a peaceful retreat while remaining just minutes from everything Waverly has to offer. From the moment you step inside, you'll be captivated by the dramatic wall of windows that flood the open-concept living space with natural light. A stunning floor-to-ceiling stone fireplace serves as the centerpiece of the living room, creating a warm and inviting atmosphere that's perfect for both entertaining and relaxing. The thoughtfully designed main level features not only a spacious owner's suite complete with dual walk-in closets and a beautifully renovated spa-inspired bathroom with a luxurious soaking tub and walk-in shower, but also a bonus office area with hand crafted wainscotting. The heart of the home is the expansive kitchen, offering granite countertops, abundant cabinetry, generous prep space, and a walk-in pantry. All of this opens up to a dining room with sliding glass doors onto a composite deck that overlooks your beautiful yard. A large laundry and mudroom with extensive cabinetry, countertops and built-in lockers adds convenience to everyday living. The fully finished walkout lower level expands your living space with comfort and versatility. Complete with in-floor heat, a large family room, wet bar, full bathroom, dedicated workout room, and exceptional storage, it's perfectly suited for entertaining guests or enjoying cozy evenings at home. Enjoy peaceful mornings or evening gatherings on the elevated composite deck, privately tucked among the trees, with convenient access to the spacious concrete patio below from the walkout basement. Additional highlights include an oversized three-stall garage with direct basement access, beautifully updated hardwood and marble flooring, modern finishes throughout, and extensive recent mechanical updates including a new furnace, air conditioner, boiler, water heater, and appliances, which would provide peace of mind for years to come. Homes offering this level of privacy, quality, and thoughtful updates in High Point Addition rarely become available. Schedule your private showing today and experience everything this remarkable property has to offer.

Getting Around

5
WalkingCar-Dependent
0
TransitVery Limited Transit
13
BikeSomewhat Bikeable

Schools

Construction

Condition

  • Year built: 2004

Materials

  • Roof: Asphalt
  • Construction materials: Vinyl Siding

Type & Style

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

Interior

Appliances

  • Laundry features: 1st Floor,Laundry Room

Basement

  • Has basement: Yes
  • Basement: Finished,Walk-Out Access

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 4
  • Full bathrooms: 3
  • 1/2 bathrooms: 1

Features

  • Fireplace features: One,In Family Room Up
  • Fireplace: Yes
  • Finished area below ground: 950

Heating & Cooling

  • Heating features: Forced Air,Radiant Floor
  • Cooling features: Central Air

Interior Area

  • Total interior livable area: 3,397 sqft

Other

  • Level: Upper

Other

  • Level: Main

Other

  • Level: Lower

Property

Details

  • Parcel number: 0901126005
  • Zoning: R-1
  • Special condition: Standard

Lot

  • Lot size: 0.53 Acres
  • Lot size dimensions: 133x175

Parking

  • Total spaces: 3
  • Parking features: 3 or More Stalls,Attached Garage
  • Covered spaces: 3
  • Carport 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

  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Hail
    HailModerate
  • Inland Flooding
    Inland FloodingModerate

How This Home’s Risks Compare

Strong Wind
Tornado
Winter Weather
Hail
Inland Flooding

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 $2,957$35,484
Home Insurance *$393$4,716
Property Taxes $796$9,552
Electricity $253$3,040
Total$4,399$52,788
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$150,822/yr
40% on housing$131,970/yr
45% on housing$117,306/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

$172This listing

vs Other Active Listings

Avg $/sqft

ZIP 50677$139
Bremer County$155

vs Homes Sold Last Month

Median $/sqft

ZIP 50677$147
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)

Price History

DateEventPrice
2026-07-31Listed for sale$584,900
2012-06-08Sold$310,000
2012-03-28Price change$319,000
2012-02-17Listed for sale$334,800
2011-11-23Sold$250,000

For Sale by Agent

AgentJessica J Kettleson
BrokerageCentury 21 Signature RE

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