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419 W Overmeyer Dr, Algona, IA, 50511

3beds
2baths
1,216sqft
$199,900
$164price/sqft
$1,517/moest. monthly cost
$60,680/yrincome needed

About This Home

This ranch style home has a great location just down the street from the swimming pool and pickle ball courts. On the main level you will find the kitchen with plenty of counter space & all appliances, the dining room, the spacious living room, 3 nice bedrooms and a full bathroom. The partially finished level offers a large family room, perfect for movie nights. There is also a 3/4 bath, the laundry and plenty of great storage. Double attached garage and grinder pump installed in 2015.

Getting Around

44
WalkingCar-Dependent
0
TransitVery Limited Transit
38
BikeSomewhat Bikeable

Schools

--
Bryant Elementary SchoolGrades 1-20.7 mi
9/10
Algona Middle SchoolGrades 5-81.0 mi
4/10
Algona High SchoolGrades 9-121.0 mi

Construction

Condition

  • Year built: 1975

Materials

  • Roof: Shingle
  • Construction materials: HardiPlank Type

Type & Style

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

Interior

Appliances

  • Appliances included: Range,Cooktop,Microwave,Dishwasher,Refrigerator,Washer,Dryer,Water Softener Rented

Basement

  • Has basement: Yes
  • Basement: Partially Finished

Bedrooms & Bathrooms

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

Heating & Cooling

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

Interior Area

  • Total interior livable area: 1,216 sqft

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 2211177001

Lot

  • Lot size: 9,500 sqft
  • Lot size dimensions: 100 x 95

Parking

  • Total spaces: 2
  • Parking features: Attached
  • 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

  • Winter Weather
    Winter WeatherVery High
  • Cold Wave
    Cold WaveRelatively High
  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Hail
    HailModerate

How This Home’s Risks Compare

Winter Weather
Cold Wave
Lightning
Strong Wind
Tornado
Hail

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 $1,010$12,120
Home Insurance *$161$1,932
Property Taxes $225$2,700
Electricity $121$1,452
Total$1,517$18,204
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$52,011/yr
40% on housing$45,510/yr
45% on housing$40,453/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: 16.4%
16.4%
0%30.0%
Electricity Growth Rate10-year average: 1.9%
1.9%
0%15.0%
Property Taxes Growth Rate2-year average: 0.6%
0.6%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$164This listing

vs Other Active Listings

Avg $/sqft

ZIP 50511$116
Kossuth County$115

vs Homes Sold Last Month

Median $/sqft

ZIP 50511
Kossuth County$104

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
2026-03-23Price change$215,000
2026-03-03Listed for sale$225,000

For Sale by Agent

AgentJames Geelan
BrokerageFarm & Home Services

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