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3206 SW 28th St, Des Moines, IA, 50321

3beds
2baths
1,628sqft
$330,000
$203price/sqft
$2,495/moest. monthly cost
$99,800/yrincome needed

About This Home

Thoughtful big-ticket updates provide peace of mind, including Pella windows throughout most of the home and a new sliding door from the primary bedroom (2025), HVAC system (2025), water heater (2025), newer garage door, dishwasher, microwave, and a radon mitigation system installed in 2019. Everything you've been looking for is here in this spacious 3-bedroom, 2-bath home that perfectly blends comfort, functionality, and flexibility. The inviting family room opens seamlessly to the kitchen, creating an ideal gathering space highlighted by a cozy wood-burning fireplace. The finished lower level expands your living options with a dedicated theater room, dry bar, and versatile space perfect for a recreation room, home gym, office, or study. The light-filled living room features a large picture window, a built-in bookcase, and flows effortlessly into the formal dining room, making entertaining easy. Step outside from either the family room or the primary bedroom to the deck overlooking the fully fenced backyard. Whether you're relaxing around the firepit, tending the raised garden bed, or hosting family and friends, there's plenty of space to enjoy the outdoors. Conveniently located near schools, parks, Gray's Lake, the airport, shopping, dining, and entertainment, this home offers the perfect combination of everyday convenience and exceptional living.

Getting Around

18
WalkingCar-Dependent
18
TransitMinimal Transit
20
BikeSomewhat Bikeable

Schools

5/10
3/10
Brody Middle SchoolGrades 6-80.1 mi
2/10
Lincoln High SchoolGrades 9-121.5 mi

Construction

Condition

  • Property condition: Resale
  • Year built: 1971

Materials

  • Foundation: Block
  • Roof: Shingle,Wood
  • Construction materials: Wood Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Dryer,Dishwasher,Microwave,Refrigerator,Stove,Washer

Basement

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

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 1
  • 3/4 bathrooms: 1
  • Main level bedrooms: 3

Features

  • Separate/Formal Dining Room
  • Flooring: Carpet
  • Number of fireplaces: 1
  • Fireplace: Yes
  • Finished area below ground: 500

Heating & Cooling

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

Interior Area

  • Total structure area: 1,628
  • Total interior livable area: 1,628 sqft

Property

Details

  • Parcel number: 01004661008000
  • Zoning: Res

Features

  • Stories: 1

Lot

  • Lot size: 10,410 sqft
  • Features: Rectangular Lot
  • Lot size dimensions: 80 x 130

Parking

  • Total spaces: 2
  • Parking features: Attached,Garage,Two Car Garage
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered 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
    HailModerate
  • Heat Wave
    Heat WaveModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Hail
Heat Wave
Strong Wind
Tornado

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 $1,668$20,016
Home Insurance *$190$2,280
Property Taxes $516$6,192
Electricity $121$1,457
Total$2,495$29,940
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$85,542/yr
40% on housing$74,850/yr
45% on housing$66,533/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: 12.2%
12.2%
0%30.0%
Electricity Growth Rate10-year average: 1.9%
1.9%
0%15.0%
Property Taxes Growth Rate2-year average: -2.3%
-2.3%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$203This listing

vs Other Active Listings

Avg $/sqft

ZIP 50321$123
Polk County$193

vs Homes Sold Last Month

Median $/sqft

ZIP 50321$179
Polk County$213

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
2026-07-14Price change$330,000
2026-06-22Price change$337,000
2026-06-05Listed for sale$342,000
2019-09-27Sold$260,000
2019-08-15Listed for sale$260,000
2019-08-15Pending sale$260,000
2019-07-19Price change$258,000
2019-07-03Price change$265,000
2019-06-25Price change$269,900
2019-06-18Listed for sale$275,000
2009-10-16Sold$169,500
2009-05-01Listing removed$178,500
2009-02-11Price change$178,500
2008-07-24Price change$184,500
2008-07-02Listed for sale$194,500

For Sale by Agent

AgentAngela Loper
BrokerageRE/MAX Concepts

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