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1411 Harding Ave, Ames, IA, 50010

3beds
3baths
1,879sqft
$379,900
$202price/sqft
$2,628/moest. monthly cost
$105,120/yrincome needed

About This Home

Timeless Craftsmanship, Completely Reimagined Originally built in 1948 as the personal residence of one of the area's premier builders, this exceptional home showcases a level of craftsmanship and attention to detail rarely found today. Situated on a spacious double lot, the property has been completely remodeled from top to bottom while preserving its enduring character and quality construction. The home features a rare 3½-car attached garage and has undergone an extensive renovation, including a brand-new roof, all new plumbing, electrical, drywall, flooring, designer paint throughout, and all-new appliances. Every surface has been thoughtfully updated, creating a seamless blend of classic architecture and modern luxury. Inside, you'll find beautifully refinished hardwood floors complemented by luxury vinyl tile and newly carpeted stairways. The stunning new kitchen serves as the heart of the home, featuring contemporary finishes, premium appliances, and thoughtful design for both everyday living and entertaining. Every bathroom has been completely renovated with stylish, high-end finishes. The inviting living space is anchored by a charming wood-burning fireplace, creating warmth and character throughout the seasons. The lower level offers exceptional versatility with a dedicated theater room or dance studio, providing endless possibilities for entertainment, recreation, or creative pursuits. Constructed with durable brick and steel exterior materials, this home was built to last and has been modernized for today's lifestyle. Abundant storage throughout ensures everything has its place, a feature rarely found in homes of any era. This is a unique opportunity to own a one-of-a-kind property where historic craftsmanship meets comprehensive modern renovation--offering the confidence of new systems, the beauty of designer finishes, and the timeless quality of a master builder's personal home.

Getting Around

29
WalkingCar-Dependent
0
TransitVery Limited Transit
75
BikeVery Bikeable

Schools

10/10
6/10
Ames Middle SchoolGrades 6-83.0 mi
7/10
Ames High SchoolGrades 9-120.7 mi

Construction

Condition

  • Year built: 1948

Materials

  • Foundation: Block
  • Construction materials: Brick

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Microwave,Range

Basement

  • Has basement: Yes
  • Basement: Full

Bedrooms & Bathrooms

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

Features

  • Ceiling Fan(s)
  • Flooring: Luxury Vinyl,Hardwood,Concrete
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Forced Air,Natural Gas
  • Cooling features: Central Air

Interior Area

  • Total structure area: 1,879
  • Total interior livable area: 1,879 sqft

Property

Details

  • Parcel number: 0534478090
  • Zoning: Residential
  • Special condition: Standard

Features

  • Patio & porch: Patio

Lot

  • Lot size: 0.32 Acres
  • Features: Level

Parking

  • Parking features: Garage
  • Has garage: Yes

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
    TornadoRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Hail
    HailModerate
  • Strong Wind
    Strong WindModerate

How This Home’s Risks Compare

Tornado
Winter Weather
Hail
Strong Wind

FEMA Declared Disasters Across Iowa Counties

Flood
Severe Storm
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 $1,920$23,040
Home Insurance *$224$2,688
Property Taxes $344$4,128
Electricity $140$1,681
Total$2,628$31,536
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$90,102/yr
40% on housing$78,840/yr
45% on housing$70,080/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: 12.3%
12.3%
0%30.0%
Electricity Growth Rate10-year average: 1.9%
1.9%
0%15.0%
Property Taxes Growth Rate2-year average: -1.8%
-1.8%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$202This listing

vs Other Active Listings

Avg $/sqft

ZIP 50010$190
Story County$203

vs Homes Sold Last Month

Median $/sqft

ZIP 50010$195
Story County$210

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
2026-08-06Price change$359,900
2026-07-21Price change$379,900
2026-07-02Price change$395,000
2026-06-18Listed for sale$420,000
2026-04-03Sold$186,500

For Sale by Agent

AgentNancy K. Hagen
BrokerageProgressive Real Estate RN,LLC

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