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219 N 4th St, Osage, IA, 50461

2beds
1baths
842sqft
$104,500
$124price/sqft
$843/moest. monthly cost
$33,720/yrincome needed

About This Home

Charming one story home offering 2 bedrooms, full bathroom, spacious formal dining room highlighted by beautiful wood colonnades and gas fireplace. The functional kitchen comes with a full set of appliances and a pantry with plenty of storage space. Sliding glass doors lead to a deck and fenced yard. The exterior of the home was painted in 2024 and the front porch was redone in 2022, back porch 2021. 8x10 utility shed is included.

Getting Around

65
WalkingSomewhat Walkable
0
TransitVery Limited Transit
61
BikeBikeable

Schools

6/10
Lincoln Elementary SchoolGrades PK-40.1 mi
6/10
Osage Middle SchoolGrades 5-80.7 mi
8/10
Osage High SchoolGrades 9-120.7 mi

Construction

Condition

  • Year built: 1915

Materials

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

Type & Style

  • Home type: SingleFamily
  • Architectural style: Bungalow
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Disposal,Microwave,Free-Standing Range,Refrigerator,Washer,Gas Water Heater,Water Softener Owned
  • Laundry features: Lower Level

Basement

  • Has basement: Yes
  • Basement: Stone/Rock

Bedrooms & Bathrooms

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

Dining Room

  • Level: Main
  • Area: 148.1667
  • Dimensions: 10'7x14'

Features

  • Ceiling Fan(s),Fiber Optic,Pantry
  • Door features: Sliding Doors
  • Fireplace features: One,Gas
  • Fireplace: Yes
  • Finished area below ground: 0

Heating & Cooling

  • Heating features: Forced Air
  • Cooling features: Ceiling Fan(s),Central Air

Interior Area

  • Total interior livable area: 842 sqft

Kitchen

  • Level: Main
  • Area: 116
  • Dimensions: 9'8x12

Living Room

  • Level: Main
  • Area: 151.6667
  • Dimensions: 11'8x13'

Master Bedroom

  • Level: Main
  • Area: 102.125
  • Dimensions: 9'6x10'9

Other

  • Level: Upper

Other

  • Level: Main

Other

  • Level: Lower

Property

Details

  • Parcel number: 1023460005
  • Zoning: R-3
  • Special condition: Standard

Features

  • Patio & porch: Deck,Porch,Covered
  • Fencing: Fenced

Lot

  • Lot size: 8,712 sqft
  • Features: Landscaped,Corner Lot
  • Lot size dimensions: 66x132

Parking

  • Parking features: None

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
  • Cold Wave
    Cold WaveModerate
  • Hail
    HailModerate
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate

How This Home’s Risks Compare

Strong Wind
Tornado
Winter Weather
Cold Wave
Hail
Inland Flooding
Lightning

FEMA Declared Disasters Across Iowa Counties

Flood
Severe Storm
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 $528$6,336
Home Insurance *$82$984
Property Taxes $112$1,344
Electricity $121$1,452
Total$843$10,116
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$28,902/yr
40% on housing$25,290/yr
45% on housing$22,480/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: 7.8%
7.8%
0%30.0%
Electricity Growth Rate10-year average: 1.9%
1.9%
0%15.0%
Property Taxes Growth Rate2-year average: -1.9%
-1.9%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$124This listing

vs Other Active Listings

Avg $/sqft

ZIP 50461$115
Mitchell County$125

vs Homes Sold Last Month

Median $/sqft

ZIP 50461
Mitchell County$105

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
2026-08-05Pending sale$104,500
2026-07-29Listed for sale$104,500
2020-06-30Sold$62,500
2020-04-27Pending sale$64,999
2020-04-22Listed for sale$64,999
2014-05-20Sold$55,000

For Sale by Agent

AgentLisa Pollard
BrokerageMain Realty

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