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1697 190th St, Schaller, IA, 51053

4beds
2baths
2,187sqft
$395,000
$181price/sqft
$2,637/moest. monthly cost
$105,480/yrincome needed

About This Home

An acreage WITH an elevator and on a hard surfaced road!? This stunning 7.64-acre property offers the perfect blend of privacy, convenience, and beautifully maintained surroundings. Mature, soaring trees create a peaceful sense of seclusion while also providing a natural windbreak, and the thoughtfully landscaped grounds give the entire property the feeling of a true country oasis. The home itself is in fantastic condition and offers generous living space throughout. An enclosed wrap-around porch welcomes you in and provides a charming place to relax and enjoy the views in every season. The main level features a spacious kitchen, dining room, family room, living room, half bath, and a bright laundry room that houses the elevator access. A rare and incredibly useful feature, the elevator services all three levels of the home. Upstairs, you will find four oversized bedrooms, each with generously sized closets, along with a full bathroom featuring custom tile work and an extra-deep tub. The home’s thoughtful layout offers both comfort and functionality, with plenty of room to gather, entertain, and spread out. Outdoor living is equally impressive. A large attached wooden deck opens to a paved patio area, creating the perfect setup for summer barbecues, garden parties, morning coffee, or quiet evenings surrounded by nature. In addition to the beautiful home and grounds, the property includes numerous quality outbuildings, offering excellent space for storage, hobbies, equipment, animals, or future possibilities. With its hard-surface road location, mature trees, creek, manicured setting, spacious home, and impressive outbuildings, this acreage is a rare opportunity to enjoy peaceful country living without sacrificing convenience. Schedule your tour today!

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
23
BikeSomewhat Bikeable

Construction

Condition

  • Year built: 1920

Materials

  • Roof: Shingle
  • Construction materials: Steel Siding

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence,Residential

Interior

Appliances

  • Appliances included: Water Softener: Owned
  • Laundry features: Main Level

Basement

  • Has basement: Yes
  • Basement: Full,Unfinished

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 2
  • Main level bathrooms: 1

Features

  • Finished area below ground: 0
  • Finished area above ground: 2,187

Heating & Cooling

  • Heating features: Forced Air
  • Cooling features: Central Air

Interior Area

  • Total structure area: 2,187
  • Total interior livable area: 2,187 sqft

Property

Details

  • Parcel number: 19161810318400004

Features

  • Levels: Two
  • Stories: 2
  • Waterfront features: Creek

Lot

  • Lot size: 7.64 Acres
  • Features: Landscaped,Wooded

Parking

  • Total spaces: 3
  • Parking features: Detached,Blacktop,Gravel
  • Has garage: Yes
  • Attached garage spaces: 3

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

  • Hail
    HailVery High
  • Tornado
    TornadoVery High
  • Cold Wave
    Cold WaveRelatively High
  • Drought
    DroughtRelatively High
  • Ice Storm
    Ice StormRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate

How This Home’s Risks Compare

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

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 $1,997$23,964
Home Insurance *$167$2,004
Property Taxes $310$3,720
Electricity $163$1,957
Total$2,637$31,644
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$90,411/yr
40% on housing$79,110/yr
45% on housing$70,320/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: 15.1%
15.1%
0%30.0%
Electricity Growth Rate10-year average: 1.9%
1.9%
0%15.0%
Property Taxes Growth Rate2-year average: 6.1%
6.1%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$181This listing

vs Other Active Listings

Avg $/sqft

ZIP 51053$152
Sac County$118

vs Homes Sold Last Month

Median $/sqft

ZIP 51053
Sac County$138

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
2026-07-29Price change$395,000
2026-07-01Listed for sale$425,000

For Sale by Agent

AgentBob Bauer
BrokerageCompass Real Estate of NW IA

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