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12655 Highway 149, Ottumwa, IA, 52501

3beds
2baths
2,344sqft
$349,000
$149price/sqft
$2,698/moest. monthly cost
$107,920/yrincome needed

About This Home

Enjoy the best of both worlds with this close-in rural property offering a peaceful setting and the convenience of town—plus the benefit of lower county taxes. This well-maintained, move-in ready home shows pride of ownership throughout. The main level features a bright kitchen with Corian countertops, quality cabinetry, built-in range top, double ovens, and tile backsplash, along with a comfortable dining area. The spacious living room includes a corner stone fireplace and built-ins, creating a warm and inviting space. Laundry is conveniently located on the main level in the breezeway. The primary bedroom offers two closets, and the updated bathroom includes a walk-in tiled shower with glass doors and built-in storage niches. The lower level provides additional living space with a large family room featuring a linear fireplace, bedroom with egress window, shower bath, and a laundry/utility room with storage. Outside, you’ll find a large deck that connects to a functional breezeway, offering easy access to the backyard, workshop, and attached garage. Additional features include a third-car garage and storage shed, along with landscaped rock beds, mature plantings, and a nicely maintained yard. Additional updates include lighting, fixtures, bathroom improvements, and added exterior security and dusk-to-dawn lighting. A solid, well-cared-for home in a great setting—ready for its next owner.

Getting Around

12
WalkingCar-Dependent
0
TransitVery Limited Transit
27
BikeSomewhat Bikeable

Schools

5/10
2/10
Evans Middle SchoolGrades 6-84.9 mi
4/10
Ottumwa High SchoolGrades 9-128.9 mi

Construction

Condition

  • Year built: 1953

Materials

  • Construction materials: Wood Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: Ranch
  • Property subType: Single Family Residence

Interior

Basement

  • Has basement: Yes
  • Basement: Full

Bedrooms & Bathrooms

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

Features

  • Number of fireplaces: 2
  • Fireplace: Yes
  • Finished area below ground: 1,000
  • Finished area above ground: 1,344

Heating & Cooling

  • Heating features: Radiant
  • Cooling features: Central Air

Interior Area

  • Total interior livable area: 2,344 sqft

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 007070611179000

Lot

  • Lot size: 0.82 Acres
  • Lot size dimensions: 35,719.20

Parking

  • Total spaces: 3
  • Parking features: Attached
  • Has garage: Yes
  • Attached garage spaces: 3
  • Covered 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

  • Tornado
    TornadoVery High
  • Strong Wind
    Strong WindRelatively High
  • Drought
    DroughtModerate
  • Hail
    HailModerate
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Tornado
Strong Wind
Drought
Hail
Heat Wave
Inland Flooding
Lightning
Winter Weather

FEMA Declared Disasters Across Iowa Counties

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 $1,764$21,168
Home Insurance *$443$5,316
Property Taxes $317$3,804
Electricity $174$2,098
Total$2,698$32,376
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$92,502/yr
40% on housing$80,940/yr
45% on housing$71,946/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: 12.9%
12.9%
0%30.0%
Electricity Growth Rate10-year average: 1.9%
1.9%
0%15.0%
Property Taxes Growth Rate2-year average: 3.3%
3.3%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$149This listing

vs Other Active Listings

Avg $/sqft

ZIP 52501$106
Wapello County$110

vs Homes Sold Last Month

Median $/sqft

ZIP 52501$103
Wapello County$92

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
2026-03-24Listed for sale$349,000
2013-08-06Sold$165,000
2013-06-08Listed for sale$165,000

For Sale by Agent

AgentDerek Gates
BrokerageOttumwa Realty

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