See other homes in:
Primary listing photo
Listing photo 2
Listing photo 3
Listing photo 4
Listing photo 5

422 15th St, Onawa, IA, 51040

3beds
3baths
2,200sqft
$475,000
$216price/sqft
$4,033/moest. monthly cost
$161,320/yrincome needed

About This Home

422 15th St Onawa, IA Approx 1.5 acres Property owners Hank Mason and Karen Hill Brick Ranch, Built 1970 2 stall heated attached garage, with new concrete floor and linear drain completed in 2019 Approx 2200 Sq ft main floor Full basement, partially finished 3 bedrooms 2.5 baths New Forced air heat/ac 4/8/26 Wood burning fireplace heatalator Roof replaced 2024, asphalt shingles Main floor update 2021 Woodwork and doors Exterior doors and matching garage door Pella windows with blinds between glass Luxury vinyl tile (LVT) Front porch and concrete patio (25x46) Heated master bath and laundry room floors (electric) Large master bedroom with adjoining walk-in closet and bath Jetted bathtub shower with onyx walls Quartz counter tops Heated master bath and laundry room floor Soft close cabinet doors Gourmet kitchen with quartz counter tops Soft close cabinet doors (pantry, mixer cabinet, coffee nook, 2 lazy Susans, 2 spice cabinets, lighted display area) Large center island with seating Farmhouse sink GE, Cafe, appliances (range dual heat, 2 ovens, griddle attachment, self-cleaning) Out building: Stick building 40x60, 14ft sidewalls built 2012 In floor heat Fully insulated ½ bath 1 garage door 1 barn type door

Getting Around

4
WalkingCar-Dependent
0
TransitVery Limited Transit
27
BikeSomewhat Bikeable

Schools

6/10
West Monona ElementaryGrades PK-50.8 mi
6/10
6/10
West Monona High SchoolGrades 9-121.7 mi

Construction

Condition

  • Year built: 1970

Materials

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

Type & Style

  • Home type: SingleFamily

Interior

Appliances

  • Appliances included: Dishwasher,Freezer,Garbage disposal,Microwave,Range / Oven,Refrigerator

Basement

  • Basement: Partially finished

Bedrooms & Bathrooms

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

Features

  • Flooring: Carpet,Laminate
  • Number of fireplaces: 1
  • Fireplace features: masonry
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Forced air,Gas
  • Cooling features: Central

Interior Area

  • Total interior livable area: 2,200 sqft

Property

Details

  • Parcel number: 834505150030
  • Zoning: RES

Features

  • Exterior features: Wood,Brick
  • Has view: Yes
  • View description: Park

Lot

  • Lot size: 1.37 Acres

Parking

  • Total spaces: 5
  • Parking features: Garage - Attached,Off-street

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
  • Hail
    HailRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Cold Wave
    Cold WaveModerate
  • Heat Wave
    Heat WaveModerate
  • Ice Storm
    Ice StormModerate
  • Lightning
    LightningModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

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

FEMA Declared Disasters Across Iowa Counties

Flood
Severe Storm
Tornado
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 *$684$8,208
Property Taxes $784$9,408
Electricity $164$1,969
Total$4,033$48,396
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$138,274/yr
40% on housing$120,990/yr
45% on housing$107,546/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: 16.1%
16.1%
0%30.0%
Electricity Growth Rate10-year average: 1.9%
1.9%
0%15.0%
Property Taxes Growth Rate2-year average: 0.8%
0.8%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$216This listing

vs Other Active Listings

Avg $/sqft

ZIP 51040$131
Monona County$238

vs Homes Sold Last Month

Median $/sqft

ZIP 51040
Monona County$115

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

DateEventPrice
2026-05-05Price change$475,000
2024-03-05Price change$515,000
2019-03-29Listed for sale$249,900
2018-12-03Listing removed$249,900
2018-10-30Price change$249,900
2018-09-04Listed for sale$299,900
2017-07-06Listing removed$303,000
2017-03-16Listed for sale$303,000
2007-08-02Sold$215,000

For Sale by Owner

AgentProperty Owner

Similar Homes