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1309 20th St, West Des Moines, IA, 50265

4beds
3baths
2,415sqft
$489,900
$203price/sqft
$3,517/moest. monthly cost
$140,680/yrincome needed

About This Home

This beautiful West Des Moines two-story brick colonial home has tons of charm and character, along with high-end features. This large home is 2450 sq. ft. on the first two stories, and 1000 sq. ft. on finished lower walk-out level. Updates include: An updated kitchen with stainless Whirlpool appliances, white cabinets, beautiful quartz countertops and subway tile backsplash; new Maytag washer and dryer; new wood-look LVP flooring in entry, hallways, half bath, family room and throughout eat-in kitchen; updated carpet on first and second floors; open concept layout from kitchen to family room that features brick fireplace and white wood paneled walls; new carpet in lower level with wet bar; modern touches such new paint, oil-rubbed light fixtures and hardware; and recently updated exterior paint and roof. Newly updated bathrooms complete the modern look: updated vanities/cabinets/sinks and light fixtures in all bathrooms, and an updated tiled shower with a glass door in the primary bath. You'll also get the charm of this classic West Des Moines home, which was featured in one of the first Des Moines Home Shows: arched brick feature in kitchen; white brick wall in master bedroom; tiled shower in master bath, and tiled bathtub on second level; crown molding, chair rails and French doors throughout; large finished walk-out lower level with brick wet bar; a huge 92-ft quarter acre lot with mature, large trees, backing up to recently renovated Pearson Park and the West Des Moines trail system; extensive landscaping surrounds the original brick and limestone patio, which provides lovely outdoor space; beautiful original iron light fixtures and exterior brickwork that gives this home great curb appeal. The location is perfect, with access in minutes to I-235, close to West Des Moines shopping as well as downtown Des Moines. This home is in the Fairmeadows Elementary, Indian Hills Junior High, and Valley School district zones. Also, it's just minutes to Sacred Heart Catholic School and Dowling Catholic High School.

Getting Around

32
WalkingCar-Dependent
0
TransitVery Limited Transit
31
BikeSomewhat Bikeable

Schools

6/10
6/10
4/10
Valley High SchoolGrades 10-121.1 mi

Construction

Condition

  • Year built: 1969

Materials

  • Foundation: Concrete
  • Roof: Shake / Shingle

Type & Style

  • Home type: SingleFamily
  • Architectural style: Conventional

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Garbage disposal,Range / Oven,Refrigerator,Washer

Basement

  • Basement: Finished

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 1
  • 3/4 bathrooms: 2

Features

  • Flooring: Tile,Carpet,Laminate
  • Fireplace: Yes

Heating & Cooling

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

Interior Area

  • Total interior livable area: 2,415 sqft

Property

Details

  • Parcel number: 32000646013000

Features

  • Exterior features: Wood products,Brick
  • Has view: Yes
  • View description: Park

Lot

  • Lot size: 92 sqft

Parking

  • Parking features: Garage - Attached

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
  • Cold Wave
    Cold WaveModerate
  • Hail
    HailModerate
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Ice Storm
    Ice StormModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Strong Wind
Tornado
Cold Wave
Hail
Heat Wave
Inland Flooding
Ice Storm
Winter Weather

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 $2,477$29,724
Home Insurance *$289$3,468
Property Taxes $571$6,852
Electricity $180$2,161
Total$3,517$42,204
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$120,582/yr
40% on housing$105,510/yr
45% on housing$93,786/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 50265$208
Polk County$193

vs Homes Sold Last Month

Median $/sqft

ZIP 50265$209
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
2026-08-13Price change$479,900
2026-07-30Price change$489,900
2026-07-11Listed for sale$499,999
2025-06-16Listing removed$2,750
2025-06-09Listed for rent$2,750
2021-03-24Listing removed--
2017-12-17Listing removed$2,195
2017-11-19Listed for rent$2,195
2017-10-17Listing removed$2,200
2017-09-25Price change$2,200
2017-09-17Listed for rent$2,300
2017-08-16Sold$175,000

For Sale by Owner

AgentProperty Owner

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