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523 4th St, Onawa, IA 51040

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For Sale

$349,900

5 beds • 3 baths • 1,881 sqft

Estimated Payment

$ 1,806 /mo. †

6.67% APR for 30 yrs.
$64 in taxes
Change Loan Terms

  • Single Family Detached
    Property type

  • $186.02
    Price per square foot

  • New Construction, 1-5 Years Old
    Age

Explore this Property

This "like new" home in Onawa, IA offers tranquil small~town living with the convenience of being directly across the street from the school on a quiet corner lot. You can feel the quality of craftsmanship immediately upon entering the living room donning vaulted ceilings which exude a "wow" factor. The open~concept layout is perfect for entertaining, featuring gorgeous kitchen finishes and a two tiered breakfast bar. With 5 spacious bedrooms and 3 full bathrooms, this home boasts a beautiful and efficient design that maximizes functional space. Recent updates include a newly added 6~foot privacy fence, lush sod, and a 10x16 backyard shed. This is an incredible value and a rare opportunity to own a newer build in a mature neighborhood. A $150,000 tax abatement has a hugely positive impact on the affordability of this "as new as it get" home. Don t miss out!!!
MLS# 827641

Courtesy Of Salem Real Estate

(712) 224-4100

Property Features

  • Age
    New Construction, 1-5 Years Old
  • Architecture Style
    Ranch
  • Heating System
    Forced Air
  • Lot Size
    0.18 Acres
  • Rooms
    Kitchen

Map and Directions

Directions to 523 4th St, Onawa, IA 51040

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Mortgage Calculator

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Monthly Payment Breakdown

  • Principle and Interest
    $1,801
  • Property Taxes
    $5
  • Hazard Insurance
    $0
  • Private Mortgage Insurance
    $0
  • HOA Dues
    $0
  • Total Monthly Payment:
    $1,806

Calculators provided for estimating purposes only. Consult with your lender to determine precise payment requirements.

Schools

West Monona Elementary School

Grades PK-5 Public School

Onawa, IA 51040 0.1 miles
611 4th st

307 total students
13:1 Student teacher ratio

School Rating: B-

School Details

West Monona Middle School

Grades 6-8 Public School

Onawa, IA 51040 1.1 miles
1314 15th st

115 total students
11:1 Student teacher ratio

School Rating: B

School Details

West Monona High School

Grades 9-12 Public School

Onawa, IA 51040 1.1 miles
1314 15th st

216 total students
15:1 Student teacher ratio

School Rating: B

School Details

School information does not guarantee enrollment. School service boundaries are provided as a reference only, may change, and are not guaranteed to be accurate. Contact the school district directly to verify school enrollment eligibility.

Local area information for Onawa, IA 51040

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Onawa, IA 51040

This community’s employment is highest in the administrative support and food industries. The area’s overall household expenses are above the national average.

87° July
Hottest Average Month
10° January
Coldest Average Month
1,797 Total Households in Area
-3.2% Increase in population since the year 2010
24.3%
of households
have children
19 minutes
Median Commute Time

Household Expenses vs National Average

This location’s average annual expenditures by category compared to the national average. Index score (100=National Average)

Demographic facts
for Onawa, IA 51040

Onawa, IA 51040 has a population of 3,956 people in 1,797 households with a median age of 44.1 years old.

-3.2%
Decrease in population
since the year 2010
Population is Trending down
1,793
Total households as of 2010
-0.4%
projected percent change in total
households in 5 years

Community Population By Age

The median age for this area is 44.1 years old. The smallest percentage group is 45-54 years and the largest percentage is the 0-5 years age range.

Community Population By Ethnicity

White 90%
Hispanic 3%
Native American 3%
Other <1%
Asian <1%
Black <1%
The most prevalent ethnicity is White at 90%, followed by Hispanic at 3%, Native American at 3%, and Other at <1%.

Economics
for Onawa, IA 51040

28 /sq mi
Population Density
$59,089 /yr
Median Household Income
$121,500
Median Sales Price
19 min
Median Commute Time

Household Expenses vs National Average

This location’s average annual expenditures by category compared to the national average. Index score (100=National Average)

Household by Income

Out of the households in this area, the largest income group is $50-74,999k representing 21.38% of the households.

Transportation to Work

  • Drive 89%
  • Work from Home 8%
  • Walk or Bike 3%
  • Public Transit 1%

Occupancy by Type

Owned 1,384 69%
Rented 413 20%
Vacant 221 11%

White vs Blue Collar Jobs







White Collar 67%
Blue Collar 33%

Family & Education Facts
for Onawa, IA 51040

44.1 Median Age

Average Household Size

2.2
persons per
household

46%

Married Households

Community Population By Education

High School Graduate 40%
Some College 26%
Associates Degree 12%
Bachelors Degree 10%
Some High School 7%
Graduate Degree 4%
Of the total people surveyed, the most prevalent educational attainment level is High School Graduate, representing 40.34% of the population.

Household Family Expenses vs National Average

This location’s average annual expenditures compared to the national average. Index score (100=National Average)
24.3% of households have children

Weather
for Onawa, IA 51040

The weather for this area ranges from a high of 87° F in July to a low of 10° F in January

87° July
Hottest Average Month
10° January
Coldest Average Month

Average Temperature by Month

Low (°F)
High (°F)
Jan
10°
30°
Feb
15°
35°
Mar
25°
47°
Apr
38°
63°
May
49°
74°
Jun
59°
83°
Jul
64°
87°
Aug
62°
85°
Sep
52°
77°
Oct
41°
66°
Nov
27°
48°
Dec
15°
34°

Average Temperature in Degrees Fahrenheit

Precipitation

Precipitation (inch)

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There's more to learn about Onawa, IA 51040!
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Copyright © 2025 Northwest Iowa Regional Board of Realtors. All rights reserved. All information provided by the listing agent/broker is deemed reliable but is not guaranteed and should be independently verified. Information being provided is for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information being provided is for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.

Data powered by Attom Data Solutions. Copyright© 2025. Information deemed reliable but not guaranteed.

This information is provided for general informational purposes only and should not be relied on in making any home-buying decisions. School information does not guarantee enrollment. Contact a local real estate professional or the school district(s) for current information on schools. This information is not intended for use in determining a person's eligibility to attend a school or to use or benefit from other city, town or local services.

† Based on a 30-year fixed rate of 3.38% with 20% down. The estimated payment is offered for convenience and is not an offer of credit. Due to market fluctuations, interest rates are subject to change at any time and without notice. Interest rates are also subject to credit and property approval based on secondary market guidelines. The rates shown are based on average rates for our best qualified customers. Your individual rate may vary. Rates may differ for FHA, VA or jumbo loans.

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