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304 E Elm St, Red Oak, IA, 51566

4beds
2baths
1,694sqft
$78,000
$46price/sqft
$654/moest. monthly cost
$26,160/yrincome needed

About This Home

304 E Elm Street, Red Oak is a spacious 4 bedroom, 1.5 bath home full of character. This property features a welcoming open front porch perfect for relaxation and an enclosed back porch for additional living. Inside you will find a large living room with beautiful hardwood floors, a convenient main level laundry area, and a den or office ideal for working from home or extra living space. The fenced in backyard has a durable vinyl fence providing privacy and room to enjoy outdoor activates. The the 2-car garage offers ample parking and storage. With generous living space and practical amenities throughout, this home is ready for its next owner to move in and make it their own.

Getting Around

74
WalkingVery Walkable
0
TransitVery Limited Transit
50
BikeBikeable

Schools

3/10
Inman Elementary SchoolGrades K-60.5 mi
4/10
Red Oak High SchoolGrades 7-120.6 mi

Construction

Condition

  • Year built: 1910

Materials

  • Roof: Shingle
  • Construction materials: Block,Concrete,Frame,Slate

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Range,Microwave,Refrigerator,Washer,Dryer,Gas Water Heater

Basement

  • Has basement: Yes
  • Basement: Full,Unfinished,Storage Space

Bedroom2

  • Level: Upper
  • Area: 130
  • Dimensions: 10X13

Bedroom3

  • Level: Upper
  • Area: 130
  • Dimensions: 10X13

Bedroom4

  • Level: Upper
  • Area: 110
  • Dimensions: 10X11

Bedrooms & Bathrooms

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

Dining Room

  • Level: Main

Features

  • Trim: Oak
  • Window features: Aluminum Frames,Wood Frames
  • Flooring: Hardwood
  • Number of fireplaces: 1
  • Fireplace features: Electric,Living Room
  • Fireplace: Yes
  • Finished area below ground: 0
  • Finished area above ground: 1,694

Heating & Cooling

  • Heating features: Forced Air
  • Cooling features: Central Air,Window Unit(s)

Interior Area

  • Total interior livable area: 1,694 sqft

Kitchen

  • Level: Main
  • Area: 88
  • Dimensions: 8X11

Living Room

  • Level: Main
  • Area: 377
  • Dimensions: 13X29

Other

  • Level: Upper
  • Area: 88
  • Dimensions: 8X11

Other

  • Level: Main
  • Area: 63
  • Dimensions: 7X9

Other

  • Level: Main
  • Area: 64
  • Dimensions: 8X8

Other

  • Level: Main
  • Area: 18
  • Dimensions: 3X6

Other

  • Area: 60
  • Dimensions: 6X10

Other

  • Level: Main
  • Area: 108
  • Dimensions: 9X12

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 600628112003000
  • Zoning: Residential-Single Family
  • Foundation area: 780

Features

  • Levels: Two
  • Fencing: Vinyl

Lot

  • Lot size: 6,534 sqft
  • Features: Few Trees
  • Lot size dimensions: 45 x 143

Parking

  • Total spaces: 2
  • Parking features: Gravel,Storage
  • 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

  • Cold Wave
    Cold WaveVery High
  • Tornado
    TornadoVery High
  • Hail
    HailRelatively High
  • Heat Wave
    Heat WaveRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Ice Storm
    Ice StormModerate
  • Lightning
    LightningModerate

How This Home’s Risks Compare

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

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 $394$4,728
Home Insurance *$79$948
Property Taxes $55$660
Electricity $126$1,516
Total$654$7,848
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$22,422/yr
40% on housing$19,620/yr
45% on housing$17,440/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: 14.1%
14.1%
0%30.0%
Electricity Growth Rate10-year average: 1.9%
1.9%
0%15.0%
Property Taxes Growth Rate2-year average: -1.1%
-1.1%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$46This listing

vs Other Active Listings

Avg $/sqft

ZIP 51566$92
Montgomery County$126

vs Homes Sold Last Month

Median $/sqft

ZIP 51566
Montgomery County$131

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)

No zestimate history available

Price History

DateEventPrice
2026-07-27Listed for sale$78,000
2026-06-05Pending sale$78,000
2026-05-29Listed for sale$78,000
2023-06-16Listing removed--
2021-06-15Sold$61,000
2021-04-30Pending sale$59,000
2021-04-07Listed for sale$59,000
2011-04-07Listing removed$25,000
2011-03-24Price change$25,000
2011-02-25Price change$25
2010-10-26Listed for sale$25,000
2010-09-04Listing removed$25,000
2010-08-15Listed for sale$25,000
2005-11-29Sold$72,000

For Sale by Agent

AgentChris A Amos
BrokerageRubey Realty

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