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1913 20th St, Harlan, IA, 51537

3beds
2baths
1,331sqft
$219,900
$165price/sqft
$1,756/moest. monthly cost
$70,240/yrincome needed

About This Home

Stop by and check out this well maintained 3 bedroom, 2 bath home. The custom kitchen opens up to a backyard deck for a perfect spot to grill or lounge on a warm summer night. All appliances included. Basement is all finished with a family room and bath. Large backyard with storage building. One car under garage.

Getting Around

56
WalkingSomewhat Walkable
0
TransitVery Limited Transit
39
BikeSomewhat Bikeable

Schools

Construction

Condition

  • Year built: 1980

Materials

  • Roof: Composition
  • Construction materials: Frame

Type & Style

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

Interior

Appliances

  • Laundry features: Washer Hookup,Electric Dryer Hookup,In Basement

Basement

  • Has basement: Yes
  • Basement: Full,Partially Finished

Bathroom

  • Level: Main
  • Area: 40.5
  • Dimensions: 4.5 x 9

Bathroom

  • Level: Basement
  • Area: 154
  • Dimensions: 11 x 14

Bedroom2

  • Level: Main
  • Area: 80
  • Dimensions: 10 x 8

Bedroom3

  • Level: Main
  • Area: 100
  • Dimensions: 10 x 10

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2

Family Room

  • Level: Basement
  • Area: 396
  • Dimensions: 22 x 18

Features

  • Eat-in Kitchen,Ceiling Fan(s)
  • Finished area below ground: 425
  • Finished area above ground: 906

Heating & Cooling

  • Heating features: Natural Gas
  • Cooling features: Central Air,Gas

Interior Area

  • Total structure area: 1,331
  • Total interior livable area: 1,331 sqft

Kitchen

  • Level: Main
  • Area: 121
  • Dimensions: 11 x 11

Living Room

  • Level: Main
  • Area: 156
  • Dimensions: 12 x 13

Master Bedroom

  • Level: Main
  • Area: 120
  • Dimensions: 10 x 12

Property

Details

  • Parcel number: 833250006081

Features

  • Patio & porch: Patio,Deck

Lot

  • Lot size: 0.28 Acres
  • Lot size dimensions: 70.00 x 175.00

Parking

  • Parking features: Garage Door Opener
  • 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

  • Tornado
    TornadoVery High
  • Cold Wave
    Cold WaveRelatively High
  • Hail
    HailRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Drought
    DroughtModerate
  • Heat Wave
    Heat WaveModerate
  • Ice Storm
    Ice StormModerate
  • Lightning
    LightningModerate

How This Home’s Risks Compare

Tornado
Cold Wave
Hail
Strong Wind
Winter Weather
Drought
Heat Wave
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 $1,111$13,332
Home Insurance *$237$2,844
Property Taxes $287$3,444
Electricity $121$1,452
Total$1,756$21,072
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$60,205/yr
40% on housing$52,680/yr
45% on housing$46,826/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: 15.9%
15.9%
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

$165This listing

vs Other Active Listings

Avg $/sqft

ZIP 51537$151
Shelby County$135

vs Homes Sold Last Month

Median $/sqft

ZIP 51537
Shelby County$78

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
2026-04-28Price change$229,900
2026-03-31Price change$234,900
2026-02-18Listed for sale$240,000
2019-12-03Sold$141,500
2019-11-26Pending sale$142,000
2019-09-30Price change$142,000
2019-08-07Listed for sale$147,500

For Sale by Agent

AgentLinda Monahan
BrokerageUnited Country Loess Hills Realty & Auction

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