1313 4th St, Onawa, IA, 51040
About This Home
Check out this charming ranch home that sits on 6 connecting city lots. The beautiful vinyl siding with half brick exterior, new roof, and attached 4 stall garage add so much curb appeal. This 4-stall garage is spectacular with endless possibilities for storage, a work shop, or hosting parties. Open up the back garage door and enjoy the basketball hoop with a cement driveway with access off the back alley. Upon entering the home through the front door you have a nice dining room, a cozy living room, and also a space that could be used as an office. There are three bedrooms on the main floor. One bedroom has its own private half bath. There is also another full bathroom for guests with beautiful luxury vinyl plank flooring on the main level. The main floor laundry room of this home is very spacious and a great drop-zone area or move the laundry downstairs for another bedroom on the main floor. On the back of the home you have a nice yard with mature trees, a large deck , and awesome storage shed. The basement of this home is very clean and has several smaller storage rooms. Updates to this home include a new roof in 2024 along with new gutters and downspouts, a new A/C unit in 2025, and updated electrical. So many possibilities with 6 city lots. Do you sell off the extra lots, do you choose not to have neighbors, do you put up a large shop building?? This property is like owning a small acreage within city limits. Come take a tour and take advantage of this rare opportunity.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 1920
Materials
- Roof: Shingle
- Construction materials: Brick,Vinyl Siding
Type & Style
- Home type: SingleFamily
- Architectural style: Ranch
- Property subType: Single Family Residence,Residential
Interior
Appliances
- Appliances included: Water Softener: Common,Hook-up
- Laundry features: Main Level
Basement
- Has basement: Yes
- Basement: Block,Unfinished
Bedrooms & Bathrooms
- Bedrooms: 3
- Bathrooms: 2
- Main level bathrooms: 2
- Main level bedrooms: 3
Features
- Flooring: Hardwood
- Finished area below ground: 0
- Finished area above ground: 1,672
Heating & Cooling
- Heating features: Forced Air
- Cooling features: Central Air
Interior Area
- Total structure area: 1,672
- Total interior livable area: 1,672 sqft
Property
Accessibility
- Accessibility features: Handicap Access
Details
- Parcel number: 834509200092
Features
- Patio & porch: Deck
Lot
- Lot size: 1.13 Acres
- Features: Garden,Landscaped,Level
Parking
- Total spaces: 4
- Parking features: Attached,Garage Door Opener,Oversized,Concrete
- Has garage: Yes
- Attached garage spaces: 4
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
- Hail
- Strong Wind
- Cold Wave
- Heat Wave
- Ice Storm
- Lightning
- Winter Weather
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 | $1,208 | $14,496 |
| Home Insurance * | $344 | $4,128 |
| Property Taxes | $196 | $2,352 |
| Electricity | $124 | $1,496 |
| Total | $1,872 | $22,464 |
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)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-05-01 | Listed for sale | $260,000 |
| 2026-05-01 | Listing removed | $270,000 |
| 2025-12-03 | Price change | $270,000 |
| 2025-10-08 | Listed for sale | $280,000 |
| 2025-10-07 | Listing removed | -- |
| 2025-08-25 | Listed for sale | $290,000 |
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