210 S Lumber St, Saint Charles, IA, 50240
About This Home
Imagine building your dream in small town Iowa! This brand-new home, currently under construction in the welcoming small town of St. Charles, Iowa, offers the rare opportunity to personalize many of the finishes and make it uniquely yours before it’s complete. Enjoy the charm of small-town living with the convenience of being just a short drive from the Des Moines metro. Featuring quality craftsmanship, a thoughtfully designed floor plan, and modern finishes, this home is the perfect blend of comfort, style, and value. Don’t miss your chance to make your selections and watch your future home come to life!
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 2026
Materials
- Construction materials: Frame
Type & Style
- Home type: SingleFamily
Interior
Basement
- Basement: Unfinished
Bedrooms & Bathrooms
- Bathrooms: 2
- Full bathrooms: 2
Heating & Cooling
- Heating features: None
- Cooling features: None
Interior Area
- Total interior livable area: 1,470 sqft
Property
Details
- Parcel number: 870000512060000
Lot
- Lot size: 8,190 sqft
Parking
- Parking features: Garage - Attached,Garage - Detached
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
- Cold Wave
- Drought
- Hail
- Heat Wave
- Inland Flooding
- Ice Storm
- Lightning
- Tornado
- Winter Weather
How This Home’s Risks Compare
FEMA Declared Disasters Across Iowa Counties
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $2,098 | $25,176 |
| Home Insurance * | $248 | $2,976 |
| Property Taxes | $502 | $6,024 |
| Electricity | $121 | $1,452 |
| Total | $2,969 | $35,628 |
Income You'd Need if You Spent...
Iowa FAIR Plan Programs
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-08-03 | Listed for sale | $415,000 |
| 2026-06-24 | Sold | $80,000 |
| 2024-12-03 | Sold | $82,500 |
| 2024-10-14 | Pending sale | $75,000 |
| 2024-10-07 | Listed for sale | $75,000 |
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