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12659 Highway 149, Ottumwa, IA, 52501

4beds
3baths
2,688sqft
$309,000
$115price/sqft
$2,433/moest. monthly cost
$97,320/yrincome needed

About This Home

Welcome to this beautiful and spacious home offering 2,688 finished square feet of comfortable living space! Featuring 4 bedrooms and 3 bathrooms, this property also includes a versatile bonus room that could easily serve as a 5th bedroom, home office, and so much more. A unique features of this property is the ownership of an additional parcel located across the road, providing extra space and endless possibilities. The property also includes ownership of the road itself. Inside, you'll find generous living areas designed for both everyday living and entertaining. Step outside to enjoy the spacious back deck, complete with a charming gazebo, creating the perfect setting for relaxing mornings, outdoor dining, or hosting family and friends. The lower level also features an additional bonus room! Additional features include a storage shed for all your tools, equipment, and outdoor storage needs. Recent updates provide added peace of mind, including a brand-new roof installed in 2026, new siding 2026, and a brand-new septic system that will be installed, adding even more value to this exceptional property. Located in a great, quiet neighborhood, this home offers the added benefit of county taxes while still providing convenience to nearby amenities. With its combination of space, flexibility, modern updates, and unique property features, this home offers a rare opportunity for those seeking room to grow and enjoy peaceful country-style living.

Getting Around

12
WalkingCar-Dependent
0
TransitVery Limited Transit
27
BikeSomewhat Bikeable

Schools

5/10
3/10
Evans Junior High SchoolGrades 8-94.9 mi
5/10
Ottumwa High SchoolGrades 10-123.9 mi

Construction

Condition

  • Year built: 1966

Materials

  • Construction materials: Vinyl Siding

Type & Style

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

Interior

Basement

  • Has basement: Yes
  • Basement: Full,Finished

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 3

Features

  • Number of fireplaces: 1
  • Fireplace: Yes

Heating & Cooling

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

Interior Area

  • Total interior livable area: 2,688 sqft

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 007070611080000

Lot

  • Lot size: 0.80 Acres
  • Lot size dimensions: 2.17 Acres

Parking

  • Total spaces: 2
  • Parking features: Attached
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

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 $1,562$18,744
Home Insurance *$392$4,704
Property Taxes $279$3,348
Electricity $200$2,406
Total$2,433$29,196
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$83,417/yr
40% on housing$72,990/yr
45% on housing$64,880/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

$115This 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
2026-07-13Price change$309,000
2026-07-02Price change$315,000
2026-06-18Listed for sale$319,000

For Sale by Agent

AgentSarah Johnson
BrokerageBridge City Realty

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