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410 W Elm St, Hartford, IA, 50118

4beds
4baths
2,103sqft
$200,000
$95price/sqft
$1,508/moest. monthly cost
$60,320/yrincome needed

About This Home

Spacious and unique 1.5 story home with 24x24 garage! Home has an attached 1 bedroom dwelling with full kitchen and full bath. Could be great income potential or mother in law suite. Main house has charming wood burning fireplace, formal dining room, 3 bedrooms upstairs with a full bath, and a half bath on the main level. Outside you can enjoy the nice deck, patio, and fully fenced back yard. Home is an estate and is being sold "as is" Home does need updating and TLC. Call today to make this Home Sweet Home!

Getting Around

19
WalkingCar-Dependent
0
TransitVery Limited Transit
14
BikeSomewhat Bikeable

Schools

5/10
Carlisle Middle SchoolGrades 6-85.6 mi
8/10
Carlisle High SchoolGrades 9-125.0 mi

Construction

Condition

  • Property condition: Resale
  • Year built: 1900

Materials

  • Roof: Asphalt,Shingle
  • Construction materials: Metal Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: One and One Half Story
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dryer,Dishwasher,Microwave,Refrigerator,Stove,Washer

Basement

  • Has basement: Yes
  • Basement: Partially Finished

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 4
  • Full bathrooms: 2
  • 1/2 bathrooms: 2
  • Main level bedrooms: 1

Features

  • Separate/Formal Dining Room,Window Treatments
  • Flooring: Carpet,Tile,Vinyl
  • Number of fireplaces: 1
  • Fireplace features: Wood Burning,Fireplace Screen
  • Fireplace: Yes
  • Finished area below ground: 500

Heating & Cooling

  • Heating features: Hot Water,Natural Gas
  • Cooling features: Window Unit(s)

Interior Area

  • Total structure area: 2,103
  • Total interior livable area: 2,103 sqft

Property

Details

  • Parcel number: 45180010050
  • Zoning: Res

Features

  • Levels: One and One Half
  • Stories: 1
  • Patio & porch: Deck,Open,Patio
  • Exterior features: Deck,Patio
  • Fencing: Other,Wood

Lot

  • Lot size: 0.33 Acres
  • Lot size dimensions: 120 x 120

Parking

  • Total spaces: 2
  • Parking features: Detached,Garage,Two Car Garage
  • 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

  • Drought
    DroughtRelatively High
  • Cold Wave
    Cold WaveModerate
  • Hail
    HailModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Drought
Cold Wave
Hail
Lightning
Strong Wind
Tornado

FEMA Declared Disasters Across Iowa Counties

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 $1,011$12,132
Home Insurance *$101$1,212
Property Taxes $240$2,880
Electricity $156$1,882
Total$1,508$18,096
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$51,702/yr
40% on housing$45,240/yr
45% on housing$40,213/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: 13.1%
13.1%
0%30.0%
Electricity Growth Rate10-year average: 1.9%
1.9%
0%15.0%
Property Taxes Growth Rate2-year average: -1.3%
-1.3%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$95This listing

vs Other Active Listings

Avg $/sqft

ZIP 50118
Warren County$216

vs Homes Sold Last Month

Median $/sqft

ZIP 50118$202
Warren County$215

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
2026-06-20Listed for sale$200,000

For Sale by Agent

AgentJenny Moats
BrokerageKeller Williams Realty GDM

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