1405 N 20th St, Clear Lake, IA, 50428
About This Home
Welcome home to this beautifully updated 3-bedroom, 3-bath twin home that perfectly blends modern comfort with a peaceful setting. The spacious walkout lower level opens to a finished patio, while the entire basement features in-floor heat for year-round comfort. A whole home generator ensures you'll stay comfortable even during unexpected power disruptions! Enjoy the convenience of laundry on both levels, making everyday living effortless. Step outside to almost half an acre, with mature landscaping that creates a private backyard retreat—perfect for relaxing, entertaining, or simply enjoying the outdoors. As an added bonus, you can enjoy the 4th of July fireworks right from the back deck!! Recent updates throughout mean you can move right in and start enjoying everything this exceptional property has to offer. Located just minutes from downtown Clear Lake, you'll have quick access to shopping, dining, and the lake, while still enjoying the peace and tranquility of a quiet neighborhood—even during the height of the summer season. Garage fridge and freezer are negotiable.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 2006
Materials
- Construction materials: Fiber Cement
Type & Style
- Home type: Condo
- Architectural style: Ranch
- Property subType: Condominium
Interior
Appliances
- Appliances included: Range,Microwave,Dishwasher,Refrigerator,Washer,Dryer,Disposal
Basement
- Has basement: Yes
- Basement: Full,Partially Finished
Bedroom2
- Level: Main
Bedroom3
- Level: Lower
Bedrooms & Bathrooms
- Bedrooms: 3
- Bathrooms: 3
- Full bathrooms: 1
- 1/2 bathrooms: 2
Dining Room
- Level: Main
Family Room
- Level: Lower
Features
- Finished area below ground: 875
Heating & Cooling
- Heating features: Forced Air
- Cooling features: Central Air
Interior Area
- Total interior livable area: 2,211 sqft
Kitchen
- Level: Main
Living Room
- Level: Main
Other
- Level: Main
Other
- Level: Main
Property
Accessibility
- Accessibility features: None
Details
- Parcel number: 060725200100
Lot
- Lot size: 0.41 Acres
- Lot size dimensions: 18,040 SF
Parking
- Total spaces: 2
- Parking features: Attached,Concrete
- 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
- Winter Weather
- Cold Wave
- Strong Wind
- Drought
- Hail
- Inland Flooding
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 | $2,401 | $28,812 |
| Home Insurance * | $318 | $3,816 |
| Property Taxes | $483 | $5,796 |
| Electricity | $164 | $1,979 |
| Total | $3,366 | $40,392 |
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 |
|---|---|---|
| 2026-05-31 | Listed for sale | $475,000 |
| 2021-06-04 | Sold | $305,000 |
| 2009-10-23 | Sold | $197,500 |
View on Zillow