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207 Wallace St, Emmetsburg, IA, 50536

5beds
4baths
2,756sqft
$310,000
$112price/sqft
$2,609/moest. monthly cost
$104,360/yrincome needed

About This Home

Beautifully maintained, fully remodeled home featuring a spacious open floor plan with hardwood floors, a large primary suite, and an updated kitchen with solid wood cabinets and Corian countertops. Finished lower level offers 3 bedrooms, 2 more bathrooms, and an office/2nd living area. There is a 1+ bedroom apartment above the garage (with a separate entry) that provides excellent rental or guest potential. Private backyard includes a large patio, deck, and screened gazebo. There is ample off-street parking, a basketball hoop, new roof, newer HVAC, and available fully furnished for a true turnkey opportunity!

Getting Around

45
WalkingCar-Dependent
0
TransitVery Limited Transit
45
BikeSomewhat Bikeable

Schools

7/10
Emmetsburg Middle SchoolGrades 5-80.3 mi
5/10
Emmetsburg High SchoolGrades 9-120.3 mi
5/10
West Elementary SchoolGrades PK-40.4 mi

Construction

Condition

  • Property condition: Updated/Remodeled
  • Year built: 1971

Materials

  • Roof: Asphalt
  • Construction materials: Steel Siding,Stick Built

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Microwave,Range/Stove,Refrigerator,Washer,Electric Water Heater

Basement

  • Has basement: Yes
  • Basement: Egress Windows,Finished,Full

Bathroom

  • Features: 3/4 Basement,2 Basement Baths,Main Floor Full Bath,Upper Level Bath

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 4
  • Full bathrooms: 1
  • 3/4 bathrooms: 3

Dining Room

  • Features: Combine Living Room,Combine with Kitchen,Informal,Open Floorplan

Features

  • Eat-in Kitchen,Main Floor Bedrooms,Natural Woodwork
  • Window features: Window Coverings
  • Flooring: Hardwood,Tile
  • Finished area below ground: 1,040
  • Finished area above ground: 1,716

Heating & Cooling

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

Interior Area

  • Total structure area: 2,756
  • Total interior livable area: 2,756 sqft

Property

Details

  • Parcel number: 600014001080
  • Attached to another structure: Yes

Features

  • Levels: Multi/Split
  • Stories: 1
  • Patio & porch: Patio
  • Fencing: Partial

Lot

  • Lot size: 10,018 sqft
  • Lot size dimensions: 140 x 70

Parking

  • Total spaces: 2
  • Parking features: Concrete,Attached,Garage Door Opener
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • Has uncovered spaces: 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

  • Cold Wave
    Cold WaveVery High
  • Lightning
    LightningVery High
  • Winter Weather
    Winter WeatherVery High
  • Hail
    HailRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Ice Storm
    Ice StormModerate

How This Home’s Risks Compare

Cold Wave
Lightning
Winter Weather
Hail
Strong Wind
Tornado
Ice Storm

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 $1,567$18,804
Home Insurance *$484$5,808
Property Taxes $353$4,236
Electricity $205$2,466
Total$2,609$31,308
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$89,451/yr
40% on housing$78,270/yr
45% on housing$69,573/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: 17.9%
17.9%
0%30.0%
Electricity Growth Rate10-year average: 1.9%
1.9%
0%15.0%
Property Taxes Growth Rate2-year average: -2.8%
-2.8%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$112This listing

vs Other Active Listings

Avg $/sqft

ZIP 50536$107
Palo Alto County$100

vs Homes Sold Last Month

Median $/sqft

ZIP 50536
Palo Alto County$81

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
2026-07-09Listed for sale$310,000
2011-06-01Sold$147,500

For Sale by Agent

AgentDana Reinders
BrokerageEXIT Realty Midwest- Spencer/Emmetsburg

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