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205 NW 13th St, Pocahontas, IA, 50574

4beds
2baths
1,728sqft
$240,000
$139price/sqft
$1,925/moest. monthly cost
$77,000/yrincome needed

About This Home

Hard to find remodeled 4-bedroom/2-bath with a heated garage on a large corner lot, with a fully fenced-in backyard and plenty of space for an RV, pool, and shop if buyer wants. This split-level home has undergone a transformation (completed in 2026) with new flooring, remodeled bathrooms, custom solid oak trim & interior doors throughout the main floor, custom wall treatments, new garage door, new exterior steel doors, RO system, and central air. The main floor bathroom has had a high-end remodel with an Onyx shower surround and multi-port sprayer jet; the 2 large mounted Tv's (yes there is an 85") can stay along with the surround system and home gym equipment. Every bedroom has a good closet and ample storage in this house. The basement has a tiled 2nd living room and 4th bedroom (gym) option along with more additional space that can be finished into a 5th possible bedroom or bonus room. The garage is heated and has a storage area in the back for a couple of mowers. The large private backyard is fenced-in and can accommodate all of your summer activities. The 2nd lot to the south comes with a cute garden shed.

Getting Around

18
WalkingCar-Dependent
0
TransitVery Limited Transit
44
BikeSomewhat Bikeable

Schools

4/10

Construction

Condition

  • Property condition: Updated/Remodeled
  • Year built: 1978

Materials

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

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Range/Stove,Refrigerator,Gas Water Heater,Water Softener Owned
  • Laundry features: Washer/Dryer Hkups

Basement

  • Has basement: Yes
  • Basement: Finished-Partial,Sump Pump,Block,Full

Bathroom

  • Features: Full Basement,Main Floor 3/4 Bath

Bedrooms & Bathrooms

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

Dining Room

  • Features: Combine with Kitchen,Eat-in,Open Floorplan

Features

  • Ceiling Fan(s),Eat-in Kitchen,Main Floor Bedrooms,Natural Woodwork,Walk-In Closet(s)
  • Window features: Window Coverings
  • Flooring: Tile
  • Fireplace features: None
  • Finished area below ground: 576
  • Finished area above ground: 1,152

Heating & Cooling

  • Heating features: Boiler,Radiant
  • Cooling features: Central Air

Interior Area

  • Total structure area: 2,304
  • Total interior livable area: 1,728 sqft

Property

Details

  • Parcel number: 0636451011
  • Attached to another structure: Yes
  • Other equipment: Sump Pump

Features

  • Levels: Multi/Split
  • Stories: 1
  • Fencing: Partial

Lot

  • Lot size: 0.56 Acres
  • Features: Corner Lot,Wooded
  • Lot size dimensions: TBD

Parking

  • Total spaces: 2
  • Parking features: Concrete,RV Access/Parking,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
  • Tornado
    TornadoVery High
  • Winter Weather
    Winter WeatherVery High
  • Drought
    DroughtRelatively High
  • Hail
    HailRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Ice Storm
    Ice StormModerate

How This Home’s Risks Compare

Cold Wave
Tornado
Winter Weather
Drought
Hail
Inland Flooding
Lightning
Strong Wind
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 $1,213$14,556
Home Insurance *$342$4,104
Property Taxes $242$2,904
Electricity $128$1,546
Total$1,925$23,100
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$66,000/yr
40% on housing$57,750/yr
45% on housing$51,333/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: 14.8%
14.8%
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

$139This listing

vs Other Active Listings

Avg $/sqft

ZIP 50574$85
Pocahontas County$78

vs Homes Sold Last Month

Median $/sqft

ZIP 50574
Pocahontas County$67

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
2026-08-05Price change$229,000
2026-07-02Listed for sale$240,000
2011-12-21Sold$87,500

For Sale by Agent

AgentDana Reinders
BrokerageEXIT Realty Midwest- Spencer/Emmetsburg

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