1037 Diamond Trail Rd, Montezuma, IA, 50171
About This Home
1037 Diamond Trail Road offered for sale at Lake Ponderosa. This unique property at Lake Ponderosa offers hard surface road access with no lake roads to travel and main channel views of both the East and West lake. Some of the many amenities are open floor plans with beamed ceilings, a two sided fireplace, 3 beds, 2 baths on the main level and 2 beds, 1 bath on lower level, large kitchens on both levels, a large family room on the lower level with walkout to the lake side, all new flooring, new deck railings, all new interior painting, new siding, new roof, new exterior lighting, new dock platform, water slide, 2 boat lifts, all new landscaping, sod, garage door, appliances and more!! Don't be pressed for space with a lake home, this home has over 2000 ft. of living space on each level and nearly 90 ft. of lake frontage as well as 143.51 ft. at the roadside. This home comes completely furnished. Call for a private tour.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 1973
Materials
- Construction materials: Fiber Cement
Type & Style
- Home type: SingleFamily
- Architectural style: Ranch
- Property subType: Single Family Residence
Interior
Basement
- Has basement: Yes
- Basement: Walk-Out Access,Full,Partially Finished,Daylight,Concrete,Storage Space
Bedrooms & Bathrooms
- Bedrooms: 5
- Bathrooms: 3
- Full bathrooms: 3
Features
- Number of fireplaces: 1
- Fireplace: Yes
- Finished area below ground: 1,493
- Finished area above ground: 2,241
Heating & Cooling
- Heating features: Forced Air
- Cooling features: Central Air
Interior Area
- Total interior livable area: 3,734 sqft
Property
Accessibility
- Accessibility features: None
Details
- Parcel number: 3625300
Features
- Waterfront features: Waterfront Present
- Waterbody name: Lake Ponderosa
Lot
- Lot size: 0.39 Acres
- Lot size dimensions: 86 ft. at lake, 143.51 ft. at hard surface road.
Parking
- Total spaces: 2
- Parking features: Attached,Concrete
- 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
- Strong Wind
- Cold Wave
- Drought
- Hail
- Tornado
- Winter Weather
- Heat Wave
- Inland Flooding
- Ice Storm
- Landslide
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 | $6,067 | $72,804 |
| Home Insurance * | $721 | $8,652 |
| Property Taxes | $1,769 | $21,228 |
| Electricity | $278 | $3,342 |
| Total | $8,835 | $106,020 |
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)
No zestimate history available
Price History
| Date | Event | Price |
|---|---|---|
| 2026-04-30 | Listed for sale | $1,200,000 |
| 2022-04-29 | Sold | $765,000 |
| 2022-02-26 | Pending sale | $765,000 |
| 2022-02-26 | Listed for sale | $765,000 |
| 2019-05-31 | Sold | $500,000 |
| 2019-05-09 | Pending sale | $589,000 |
| 2018-09-06 | Price change | $589,000 |
| 2018-05-09 | Listed for sale | $595,000 |
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