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Single Family ResidenceResidential
$411,436$400 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 83How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jul 14, 2026
Last sold for $315,000 on Jul 16, 2021

16491 R45 HWY

SAINT CHARLES, IA 50240
4
Beds
2
Baths
1,028 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
2 ac
Lot SizeThe size of the land the home sits on, from county records.
1972
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
6
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.
2
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$411K
$343K low$480K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$315,000 · Jul 16, 2021
Est. Owner EquityRoughly how much of the home's value the owner would keep after paying off known loans. It is our estimate minus the loans still owed.$166,436
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$133,149
Loan-to-ValueHow much is still owed on the home compared to what it is worth. 80% means loans equal 80% of our estimate, so it shifts when the estimate does.59%
1st MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$245,000
LINCOLN SAVINGS BANK · recorded Jul 16, 2021

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$2,878 (2024)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$314,000 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$103,500
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$210,500
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$247,800
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$314,000

Climate Risk

Overall riskThe average of the five hazard scores below, on a 0 to 100 scale. Higher means greater projected risk over the coming decades.35
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
40
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
70
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
56
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
10
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
StyleThe architectural style of the home, such as ranch or colonial.Split Foyer
CountyWarren
Lot (acres)The size of the land the home sits on, from county records.2.00
ConstructionThe main material the home's frame and walls are built from.Steel Frame
FoundationWhat the home is built on, such as a concrete slab, a crawl space, or a basement.Concrete
RoofThe main material covering the roof, such as asphalt shingle or tile.Asphalt
HeatingThe type of heating system in the home.Forced Air
CoolingThe type of cooling or air conditioning in the home.Central
FireplaceWhether the home has a fireplace, and what kind.Yes
GarageWhether the property has a garage, and details like whether it is attached to the home.Garage, Attached
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Deck · 252 ft²

Transaction History(1)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

E
Martensdale - St. Marys ElementaryA+
Elementary · Grades PK–6 · 6.2 mi
M
Martensdale - St. Marys Jr. / Sr. High SchoolC
Middle · Grades 7–12 · 6.2 mi

District: Martensdale-St. Marys Community School District

Neighborhood · ZIP 50240These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.129
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.137
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.16

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.96%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.22%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.4.3%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.0.9%
PopulationHow many people live in this area.2,666
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.35 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$96,726
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$113,357
Average tempThe average temperature here across a full year.50°F
Annual precipHow much rain and melted snow falls here in a typical year.35 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.59%

Ownership

OccupancyWhether the owner appears to live here or somewhere else. It is inferred from the mailing address on record.Owner occupied
Company ownedWhether the owner is a company or trust rather than a person.No

Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

16491 R45 Hwy measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth more than 74% of homes in Warren County
  • Costs more per square foot than 98% of homes in Warren County
  • Smaller than 89% of homes in Saint Charles 50240
  • Has a bigger lot than 74% of homes in Warren County
  • Older than 66% of homes in Saint Charles 50240

What homes are worth in Saint Charles 50240

Each bar is how many homes fall in that price range. The marker is this home.

This home
$120K$975K

This home is worth more than 59% of homes in Saint Charles 50240.

How it measures up in Saint Charles 50240

The dot is this home. The mark in the middle is the typical home in Saint Charles 50240.

Estimated value$411,436
CheaperTypical $370,797Pricier

Pricier than 59% of homes nearby

Price per ft²$400
CheaperTypical $238Pricier

Pricier than 90% of homes nearby

Living area1,028 ft²
SmallerTypical 1,580 ft²Bigger

Bigger than 11% of homes nearby

Lot size2 ac
SmallerTypical 4.81 acBigger

Bigger than 33% of homes nearby

Year built1972
OlderTypical 1988Newer

Newer than 34% of homes nearby

How 16491 R45 Hwy ranks against every home in each area.
MeasureThis homeSaint Charles 50240Warren County
Estimated valuepricier than$411,43659% of homes74% of homes
Price per ft²pricier than$40090% of homes98% of homes
Living areabigger than1,028 ft²11% of homes17% of homes
Lot sizebigger than2 ac33% of homes74% of homes
Year builtnewer than197234% of homes34% of homes

About 16491 R45 Hwy

How much is 16491 R45 Hwy, Saint Charles, IA worth?

The TopHap Estimate for 16491 R45 Hwy, Saint Charles, IA is $411,436 as of Jul 14, 2026. The likely range is $343,086 to $479,786. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 16491 R45 Hwy, Saint Charles, IA last sell?

16491 R45 Hwy, Saint Charles, IA last sold on Jul 16, 2021 for $315,000, according to the county's recorded deed.

How big is 16491 R45 Hwy, Saint Charles, IA?

16491 R45 Hwy, Saint Charles, IA has 4 bedrooms, 2 bathrooms, 1,028 square feet of living space and a 2.00-acre lot.

When was 16491 R45 Hwy, Saint Charles, IA built?

16491 R45 Hwy, Saint Charles, IA was built in 1972, making it 54 years old. It is a split foyer home. The building has 1 story.

What schools serve 16491 R45 Hwy, Saint Charles, IA?

16491 R45 Hwy, Saint Charles, IA is assigned to Martensdale - St. Marys Elementary (elementary), rated A+; Martensdale - St. Marys Jr. / Sr. High School (middle), rated C. All sit in Martensdale-St. Marys Community School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 16491 R45 Hwy, Saint Charles, IA compare to other homes in Saint Charles 50240?

Among the 1,031 homes in Saint Charles 50240, it is worth more than 59% of them ($411,436 against a typical $370,797), its price per square foot is higher than 90% of them ($400 against a typical $238), it is bigger than 11% of them (1,028 ft² against a typical 1,580 ft²), its lot is bigger than 33% of them (2 ac against a typical 4.81 ac) and it is newer than 34% of them (1972 against a typical 1988). Measured against all of Warren County, it is worth more than 74% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 16491 R45 Hwy, Saint Charles, IA?

The 2024 property tax bill for 16491 R45 Hwy, Saint Charles, IA was $2,878. The county assessed it at $314,000.

Closest homes

More homes in Saint Charles 50240

Assigned schools

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