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2094 Jamestown Ave, Independence, IA, 50644

2beds
1baths
2,094sqft
$199,900
$95price/sqft
$1,654/moest. monthly cost
$66,160/yrincome needed

About This Home

Check out this awesome home sitting on a large half acre lot!! So many updates done! New siding 2023, New flooring in sunroom and a brand-new mini split just installed Spring of 2026! Main floor laundry/3rd bedroom had new flooring installed in 2023. Bathroom gutted and remodeled in 2021, Water heater new in 2021. Windows and roof new in 2014. Relax and enjoy a cup of coffee in the amazing 4 season room with multiple sliding doors to a stamped concrete patio and fresh landscaping. Open concept main level. Large main floor master with double closets. 2nd bedroom is being used as mudroom/laundry room. Upper level offers loft area for a potential 3rd bedroom. 1 stall attached garage that features 2 garage doors to drive thru. Also features a large 2 stall detached barn/garage. Definitely a must see!

Getting Around

19
WalkingCar-Dependent
0
TransitVery Limited Transit
37
BikeSomewhat Bikeable

Schools

--
East Elementary SchoolGrades K-21.5 mi
6/10
West Elementary SchoolGrades 3-61.5 mi

Construction

Condition

  • Year built: 1950

Materials

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

Type & Style

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

Interior

Appliances

  • Appliances included: Appliances Negotiable,Dishwasher,Disposal,Gas Water Heater,Water Softener Owned

Basement

  • Has basement: Yes
  • Basement: Block,Partially Finished

Bedrooms & Bathrooms

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

Features

  • Fireplace features: Electric
  • Fireplace: Yes
  • Finished area below ground: 560

Heating & Cooling

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

Interior Area

  • Total interior livable area: 2,094 sqft

Other

  • Level: Upper

Other

  • Level: Main

Other

  • Level: Lower

Property

Details

  • Parcel number: 0627476010
  • Zoning: R-2
  • Special condition: Standard

Lot

  • Lot size: 0.50 Acres
  • Lot size dimensions: 0x0

Parking

  • Total spaces: 3
  • Parking features: 3 or More Stalls,Attached Garage,Detached Garage,Garage Door Opener
  • 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

  • Hail
    HailRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Cold Wave
    Cold WaveModerate
  • Lightning
    LightningModerate

How This Home’s Risks Compare

Hail
Inland Flooding
Strong Wind
Tornado
Winter Weather
Cold Wave
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 $1,010$12,120
Home Insurance *$189$2,268
Property Taxes $299$3,588
Electricity $156$1,874
Total$1,654$19,848
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$56,708/yr
40% on housing$49,620/yr
45% on housing$44,106/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: 12.5%
12.5%
0%30.0%
Electricity Growth Rate10-year average: 1.9%
1.9%
0%15.0%
Property Taxes Growth Rate2-year average: 1.4%
1.4%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$95This listing

vs Other Active Listings

Avg $/sqft

ZIP 50644$318
Buchanan County$238

vs Homes Sold Last Month

Median $/sqft

ZIP 50644
Buchanan County$99

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
2026-08-05Price change$194,900
2026-06-19Listed for sale$199,900
2023-07-24Listing removed--
2023-06-24Listed for sale$199,900
2023-06-23Listing removed--
2023-06-22Listed for sale$199,900
2018-06-22Sold$125,000
2018-05-02Price change$129,900
2017-06-22Price change$148,000
2017-03-31Listed for sale$149,900
1997-07-18Sold$86,000

For Sale by Agent

AgentKari Penhollow
BrokerageBerkshire Hathaway Home Serv

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