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401 Windsor Way, Sergeant Bluff, IA, 51054

5beds
4baths
4,400sqft
$475,000
$108price/sqft
$3,553/moest. monthly cost
$142,120/yrincome needed

About This Home

5 bedroom 3.5 bath. New Lifeproof LVP on main floor. Upstairs has also been repainted. 3 large bedrooms on the main floor including master. Mother in law suite downstairs plus additional bedroom.

Getting Around

39
WalkingCar-Dependent
0
TransitVery Limited Transit
35
BikeSomewhat Bikeable

Construction

Condition

  • Year built: 2004

Materials

  • Foundation: Concrete
  • Roof: Asphalt
  • Construction materials: Frame

Type & Style

  • Home type: SingleFamily

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Microwave,Range / Oven,Refrigerator,Washer

Basement

  • Basement: Finished

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 4
  • Full bathrooms: 3
  • 1/2 bathrooms: 1

Features

  • Flooring: Carpet,Linoleum / Vinyl
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Other,Gas
  • Cooling features: Central

Interior Area

  • Total interior livable area: 4,400 sqft

Property

Details

  • Parcel number: 884732131001

Features

  • Exterior features: Vinyl,Brick

Lot

  • Lot size: 0.38 Acres

Parking

  • Parking features: Garage - Attached

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
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Ice Storm
    Ice StormModerate
  • Lightning
    LightningModerate
  • Wildfire
    WildfireModerate

How This Home’s Risks Compare

Tornado
Cold Wave
Hail
Strong Wind
Winter Weather
Heat Wave
Inland Flooding
Ice Storm
Lightning
Wildfire

FEMA Declared Disasters Across Iowa Counties

Flood
Severe Storm
Winter Storm

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 $2,401$28,812
Home Insurance *$281$3,372
Property Taxes $543$6,516
Electricity $328$3,938
Total$3,553$42,636
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$121,817/yr
40% on housing$106,590/yr
45% on housing$94,746/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: 12.6%
12.6%
0%30.0%
Electricity Growth Rate10-year average: 1.9%
1.9%
0%15.0%
Property Taxes Growth Rate2-year average: 1.4%
1.4%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$108This listing

vs Other Active Listings

Avg $/sqft

ZIP 51054$146
Woodbury County$133

vs Homes Sold Last Month

Median $/sqft

ZIP 51054$160
Woodbury County$129

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
2026-05-02Listed for sale$550,000
2018-08-20Sold$330,000
2017-11-16Listed for sale$339,950
2017-09-07Pending sale$339,950
2017-07-14Price change$339,950
2017-06-08Price change$344,950
2017-05-26Listed for sale$349,950
2017-04-20Listing removed$354,000
2017-03-23Price change$354,000
2016-12-01Price change$359,000
2016-09-22Price change$368,000
2016-08-09Price change$379,000
2016-05-24Listed for sale$385,000

For Sale by Owner

AgentProperty Owner

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