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104 Maple Cir, Waverly, IA, 50677

5beds
4baths
3,389sqft
$439,900
$130price/sqft
$3,360/moest. monthly cost
$134,400/yrincome needed

About This Home

Situated on a private cul-de-sac , this 2 story home boasts 5 bedrooms and 3.5 baths with lots of entertaining space as well! Stepping in from the charming front porch, you will find the traditional two story space with rooms on either side of the staircase that can be used for sitting room, dining room, office or play area.The back of the home features an open floor plan with family room, dining and kitchen with a great outside view! The abundance of cabinets provide ample storage along with the large pantry, and newer appliances. Separated by a pocket door, the laundry and mud room area connect the kitchen to the oversized two stall garage. Upstairs you will find a sizable primary bedroom with a walk-in closet and a full master bath. In addition, there are 3 other bedrooms and a full bath with double sinks. In the lower level you will find a large family room, another bedroom, bathroom, and an abundant amount of storage space. Stepping out onto the back patio from the dining area, you will be surrounded by nature!

Getting Around

16
WalkingCar-Dependent
0
TransitVery Limited Transit
28
BikeSomewhat Bikeable

Schools

Construction

Condition

  • Year built: 1998

Materials

  • Roof: Asphalt
  • Construction materials: Vinyl Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Disposal,Free-Standing Range,Refrigerator
  • Laundry features: 1st Floor

Basement

  • Has basement: Yes
  • Basement: Concrete,Interior Entry,Radon Mitigation System,Partially Finished

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 4
  • Full bathrooms: 2
  • 3/4 bathrooms: 1
  • 1/2 bathrooms: 1

Features

  • Pantry
  • Door features: French Doors
  • Fireplace features: One,Gas
  • Fireplace: Yes
  • Finished area below ground: 1,000

Heating & Cooling

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

Interior Area

  • Total interior livable area: 3,389 sqft

Other

  • Level: Upper

Other

  • Level: Main

Other

  • Level: Lower

Property

Details

  • Parcel number: 0904255005
  • Zoning: R-1
  • Special condition: Standard

Features

  • Patio & porch: Patio

Lot

  • Lot size: 0.37 Acres
  • Features: Cul-De-Sac
  • Lot size dimensions: 209 x 120

Parking

  • Total spaces: 2
  • Parking features: 2 Stall,Attached Garage,Oversized
  • Covered spaces: 2
  • Carport 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
  • Drought
    DroughtModerate
  • Inland Flooding
    Inland FloodingModerate

How This Home’s Risks Compare

Hail
Strong Wind
Tornado
Winter Weather
Cold Wave
Drought
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 $2,224$26,688
Home Insurance *$296$3,552
Property Taxes $588$7,056
Electricity $252$3,033
Total$3,360$40,320
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$115,200/yr
40% on housing$100,800/yr
45% on housing$89,600/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

$130This listing

vs Other Active Listings

Avg $/sqft

ZIP 50677$141
Bremer County$156

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
2026-06-19Listed for sale$439,900
2024-11-01Sold$413,000
2024-09-19Pending sale$419,000
2024-07-22Price change$419,000
2024-06-26Price change$424,900
2024-05-30Price change$429,900
2024-05-03Price change$437,900
2024-03-30Price change$439,000
2024-02-13Listed for sale$447,000

For Sale by Agent

AgentJennifer Steere
BrokerageCentury 21 Signature RE

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