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105 W 16th St, West Liberty, IA, 52776

5beds
3baths
2,782sqft
$330,000
$119price/sqft
$2,602/moest. monthly cost
$104,080/yrincome needed

About This Home

Enjoy the best of both worlds with a charming town view from the front and peaceful, scenic country views from your back deck hot tub & fire pit area! This home is accented by solid oak 6-panel doors, oak trim, and brushed nickel hardware.The kitchen is equipped with a stylish designer backsplash, a convenient pantry, and roll-out drawers. All appliances are less than five years old and remain with the property for the buyer. Relax in the spacious living room, featuring a vaulted ceiling and a cozy gas fireplace. Experience luxury with a primary bedroom, a walk in closet & primary bath featuring a jet tub and heated vents. Downstairs provides a spacious Family Room, Exercise Room, Laundry Room and two more bedrooms.The front landscaping has been beautifully redone, featuring a new retaining wall, fresh mulch, and vibrant flowers. Roof: Replaced in 2021. Water Heater: Installed in May 2022. Windows: North side windows were replaced and come with a lifetime warranty. Fresh paint and new flooring. Security: Includes a fully installed ADT security system. Priced at recent Appraised Value taking all factors into consideration per a non biased third party local Appraiser. Appraisal is available upon request.

Getting Around

24
WalkingCar-Dependent
0
TransitVery Limited Transit
40
BikeSomewhat Bikeable

Schools

5/10
4/10
West Liberty High SchoolGrades 9-120.7 mi
2/10

Construction

Condition

  • Year built: 2002

Materials

  • Construction materials: Vinyl,Composit,Frame

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Plumbed For Ice Maker,Microwave,Range Or Oven,Refrigerator,Dryer,Washer
  • Laundry features: In Basement,Laundry Room

Basement

  • Has basement: Yes
  • Basement: Concrete,Sump Pump,Finished,Full

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 3
  • Full bathrooms: 3

Features

  • Entrance Foyer,Vaulted Ceiling(s),Primary On Main Level,Breakfast Bar,Pantry,Central Vacuum
  • Window features: Double Pane Windows
  • Flooring: Carpet,Wood,Laminate
  • Number of fireplaces: 1
  • Fireplace features: Living Room,Gas
  • Fireplace: Yes
  • Finished area below ground: 1,328
  • Finished area above ground: 1,454

Heating & Cooling

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

Interior Area

  • Total structure area: 2,782
  • Total interior livable area: 2,782 sqft

Property

Details

  • Parcel number: 0101379018
  • Zoning: Residential
  • Special condition: Standard

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Deck,Patio
  • Has spa: Yes
  • Spa features: Bath

Lot

  • Lot size: 0.29 Acres
  • Features: Less Than Half Acre,Sloped
  • Lot size dimensions: 90.07 x 140 x 90.47 x 143

Parking

  • Total spaces: 2
  • Parking features: Garage - Attached
  • Has garage: Yes

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 WindVery High
  • Hail
    HailRelatively High
  • Heat Wave
    Heat WaveRelatively High
  • Lightning
    LightningRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Cold Wave
    Cold WaveModerate
  • Drought
    DroughtModerate
  • Inland Flooding
    Inland FloodingModerate
  • Ice Storm
    Ice StormModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

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

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 $1,668$20,016
Home Insurance *$274$3,288
Property Taxes $453$5,436
Electricity $207$2,490
Total$2,602$31,224
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$89,211/yr
40% on housing$78,060/yr
45% on housing$69,386/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: 11.7%
11.7%
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

$119This listing

vs Other Active Listings

Avg $/sqft

ZIP 52776$165
Muscatine County$123

vs Homes Sold Last Month

Median $/sqft

ZIP 52776$99
Muscatine County$109

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
2026-07-07Listed for sale$330,000
2016-02-26Sold$220,000

For Sale by Agent

AgentMarc Simpson
BrokerageRuhl&Ruhl, Realtors

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