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104 E 15th St, Des Moines, IA, 50316

3beds
1baths
998sqft
$175,000
$175price/sqft
$1,407/moest. monthly cost
$56,280/yrincome needed

About This Home

Completely rebuilt from the studs up, this beautifully remodeled 1½-story home offers the peace of mind of essentially brand-new construction while keeping its classic charm. The property features a newly poured concrete foundation, brand new roof, siding, electrical wiring and panel, plumbing, insulation, drywall, windows, HVAC system, water heater, and more, every major system has been thoughtfully updated. Inside, you'll find a bright and welcoming layout with a first-floor primary bedroom and convenient main-level laundry. The brand-new kitchen features modern cabinetry, new appliances, and ample space for both a breakfast nook and a more formal dining area, making it perfect for everyday living or entertaining guests. The fully updated bathroom includes a relaxing jacuzzi tub, creating a comfortable space to unwind. Upstairs, two additional attic-style bedrooms with closets provide flexible space for family, guests, or a home office. Outside, enjoy a newly built front porch and back deck overlooking a fully fenced backyard with alley access, ideal for privacy, pets, or gatherings. Located on a quiet street just outside of downtown, this home offers both tranquility and convenient access to nearby amenities. Approved buyers may also qualify for a $10,000 forgivable grant through Neighborhood Finance, adding even more value to this incredible opportunity.

Getting Around

61
WalkingSomewhat Walkable
40
TransitSome Transit
37
BikeSomewhat Bikeable

Schools

4/10
1/10
Hiatt Middle SchoolGrades 6-80.9 mi
2/10
East High SchoolGrades 9-120.6 mi

Construction

Condition

  • Year built: 1895

Materials

  • Foundation: Block
  • Roof: Asphalt,Shingle

Type & Style

  • Home type: SingleFamily
  • Architectural style: One and One Half Story
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Microwave,Refrigerator,Stove
  • Laundry features: Main Level

Basement

  • Has basement: Yes
  • Basement: Unfinished

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 1
  • Full bathrooms: 1
  • Main level bedrooms: 1

Features

  • Flooring: Carpet

Heating & Cooling

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

Interior Area

  • Total structure area: 998
  • Total interior livable area: 998 sqft

Property

Details

  • Parcel number: 04003308000000
  • Zoning: N3C

Features

  • Levels: One and One Half
  • Stories: 1

Lot

  • Lot size: 4,922 sqft
  • Lot size dimensions: 34 x 145

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
  • Hail
    HailModerate
  • Heat Wave
    Heat WaveModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Strong Wind
Hail
Heat Wave
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 $884$10,608
Home Insurance *$157$1,884
Property Taxes $245$2,940
Electricity $121$1,452
Total$1,407$16,884
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$48,240/yr
40% on housing$42,210/yr
45% on housing$37,520/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

$175This listing

vs Other Active Listings

Avg $/sqft

ZIP 50316$116
Polk County$193

vs Homes Sold Last Month

Median $/sqft

ZIP 50316$141
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
2026-03-12Listed for sale$180,000
2026-03-01Listing removed$180,000
2026-02-08Price change$180,000
2025-10-03Price change$190,000
2025-09-17Price change$199,500
2025-08-28Listed for sale$210,000
2024-08-13Sold$35,000
2024-07-27Pending sale$45,000
2024-07-15Price change$45,000
2024-07-05Listed for sale$49,000
1998-02-26Sold$21,500
1997-09-22Sold$25,000

For Sale by Agent

AgentFrancisco Zambrano - Corona
BrokerageRE/MAX Precision

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