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15378 Oakwood Ave, Clear Lake, IA, 50428

3beds
2baths
2,378sqft
$549,000
$231price/sqft
$3,778/moest. monthly cost
$151,120/yrincome needed

About This Home

Welcome to this truly unique 3-bedroom, 2-bath home in the desirable Bayside neighborhood of Clear Lake. Perfectly located one block from the public boat ramp and beach and within walking distance to PM Park, this home captures the best of lake-town living. Step inside to an inviting open-concept layout with vaulted ceilings that fill the space with natural light and create an airy, welcoming atmosphere. The seamless flow between the kitchen, dining, and living areas makes it perfect for entertaining or simply relaxing after a day on the water. A spiral staircase leads to a private lookout tower, where you can take in breathtaking panoramic views of Clear Lake—the ideal spot for your morning coffee or sunset cocktail. A double garage tucked below provides convenient parking and additional storage space for all your lake gear and toys. From its distinctive architecture to its prime location near the lake, this Bayside beauty is a rare find. Whether you’re searching for a year-round residence, a vacation getaway, or a one-of-a-kind investment property, this home offers comfort, character, and unmatched Clear Lake charm.

Getting Around

15
WalkingCar-Dependent
0
TransitVery Limited Transit
31
BikeSomewhat Bikeable

Schools

9/10
7/10
Clear Lake Middle SchoolGrades 6-82.9 mi
8/10
Clear Lake High SchoolGrades 9-123.0 mi

Construction

Condition

  • Year built: 1925

Materials

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

Type & Style

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

Interior

Appliances

  • Appliances included: Built-In Range,Dishwasher,Refrigerator,Washer,Gas Water Heater
  • Laundry features: 1st Floor

Basement

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

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 2

Features

  • Vaulted Ceiling(s),Ceiling Fan(s),Granite Counters,Sauna
  • Fireplace features: None
  • Finished area below ground: 0

Heating & Cooling

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

Interior Area

  • Total interior livable area: 2,378 sqft

Other

  • Level: Upper

Other

  • Level: Main

Other

  • Level: Lower

Property

Details

  • Parcel number: 052331001300
  • Zoning: R-1
  • Special condition: Standard

Features

  • Patio & porch: Deck
  • Exterior features: Balcony
  • Has view: Yes
  • View description: Lake
  • Has water view: Yes
  • Water view: Lake

Lot

  • Lot size: 4,791 sqft
  • Lot size dimensions: 45x103 (est)

Parking

  • Total spaces: 2
  • Parking features: 2 Stall,Attached Garage,Tuckunder Garage
  • Covered spaces: 2
  • Carport 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

  • Cold Wave
    Cold WaveRelatively High
  • Drought
    DroughtRelatively High
  • Tornado
    TornadoRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Hail
    HailModerate
  • Strong Wind
    Strong WindModerate

How This Home’s Risks Compare

Cold Wave
Drought
Tornado
Winter Weather
Hail
Strong Wind

FEMA Declared Disasters Across Iowa Counties

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 $2,776$33,312
Home Insurance *$368$4,416
Property Taxes $457$5,484
Electricity $177$2,128
Total$3,778$45,336
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$129,531/yr
40% on housing$113,340/yr
45% on housing$100,746/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: 10.5%
10.5%
0%30.0%
Electricity Growth Rate10-year average: 1.9%
1.9%
0%15.0%
Property Taxes Growth Rate2-year average: 1.4%
1.4%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$231This listing

vs Other Active Listings

Avg $/sqft

ZIP 50428$243
Cerro Gordo County$188

vs Homes Sold Last Month

Median $/sqft

ZIP 50428$195
Cerro Gordo County$97

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
2025-11-12Listed for sale$579,000
2021-08-23Sold$361,500
2021-07-27Contingent$374,000
2021-07-09Listed for sale$374,000
2021-06-16Listing removed--
2021-03-18Listed for sale$355,000
2021-02-27Listing removed--
2020-11-12Listing removed$353,400
2020-10-07Price change$353,400
2020-05-27Price change$369,900
2019-09-25Listed for sale$485,000
2002-08-08Sold$30,000

For Sale by Agent

AgentAdam Biretz
BrokerageRealty ONE Group Movement

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