2988 Cottonwood Pl, Charles City, IA, 50616
About This Home
Welcome to 2988 Cottonwood Place, a stunning custom-built home completed in 2023 that showcases exceptional craftsmanship and thoughtful design throughout. The heart of the home is the chef's kitchen, featuring custom Bertch cabinetry, chrome hardware, a massive quartz island with seating for 10, a walk-in pantry, and an open layout ideal for entertaining and everyday living. The luxurious primary suite offers heated tile floors, a custom tile shower with LED lighting and multiple water features, a black whirlpool tub, and spa-like finishes. Additional main-level amenities include a dedicated office, mudroom with dog wash station, and spacious laundry area. The second-level family and media room creates the ultimate gathering space with a pull-down projector system and Napoleon Purview electric fireplace, perfect for movie nights and hosting guests. With 6 bedrooms, 3 full custom bathrooms, heated basement floors, electrical room, composite deck, steel railings, and an insulated garage with epoxy floors and floor drain, every detail has been carefully considered. Built for both luxury and peace of mind, the home includes dual HVAC systems, a hard-wired security system, Iron Ox water treatment system, a new Class 4 Malarkey Vista roof (2025), and transferable warranties on the flooring, roof, and siding. This is a rare opportunity to own a nearly new, high-end home loaded with premium upgrades.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 2023
Materials
- Roof: Asphalt
- Construction materials: Cement Siding,Vinyl Siding
Type & Style
- Home type: SingleFamily
- Architectural style: Contemporary
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Built-In Oven,Cooktop,Dishwasher,Double Oven,Dryer,Disposal,Microwave Built In,Free-Standing Range,Refrigerator,Washer,Water Conditioner,Water Purifier,Electric Water Heater,Water Softener Owned
- Laundry features: 1st Floor,Laundry Room
Basement
- Has basement: Yes
- Basement: Concrete,Interior Entry,Floor Drain,Partially Finished
Bedrooms & Bathrooms
- Bedrooms: 6
- Bathrooms: 3
- Full bathrooms: 3
Features
- Granite Counters,Pantry
- Flooring: Hardwood
- Fireplace features: One,Electric,In Family Room Up
- Fireplace: Yes
- Finished area below ground: 560
Heating & Cooling
- Heating features: Electric,Forced Air
- Cooling features: Central Air
Interior Area
- Total interior livable area: 4,060 sqft
Other
- Level: Upper
Other
- Level: Main
Other
- Level: Lower
Property
Details
- Parcel number: 121722602800
- Zoning: R-2
- Special condition: Standard
Features
- Patio & porch: Deck,Patio
Lot
- Lot size: 1.83 Acres
- Features: Landscaped
- Lot size dimensions: 79715 SF
Parking
- Total spaces: 3
- Parking features: RV Access/Parking,3 or More Stalls,Attached Garage,Garage Door Opener,Heated 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
- Inland Flooding
- Tornado
- Winter Weather
- Cold Wave
- Hail
- Strong Wind
- Lightning
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 | $3,286 | $39,432 |
| Home Insurance * | $777 | $9,324 |
| Property Taxes | $32 | $384 |
| Electricity | $302 | $3,634 |
| Total | $4,397 | $52,764 |
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 |
|---|---|---|
| 2026-06-09 | Listed for sale | $650,000 |
| 2022-04-29 | Sold | $395,000 |
| 2022-01-28 | Pending sale | $395,000 |
| 2006-04-20 | Sold | $327,000 |
View on Zillow