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Single Family ResidenceResidential
$385,000$297 / 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 85How 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

16905 R45 HWY

SAINT CHARLES, IA 50240
4
Beds
2.5
Baths
1,296 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.
5.41 ac
Lot SizeThe size of the land the home sits on, from county records.
1976
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.

Valuation

$385K
$328K low$442K high
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.$293,400
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$234,720
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.34%
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.$91,600
REGIONS BANK · recorded Feb 4, 2014

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$3,050 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$336,400 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$149,500
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$186,900
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$242,900
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$336,400

Climate Risk

Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.49 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.30%
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.minimal

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
CountyWARREN
Lot (acres)The size of the land the home sits on, from county records.5.41
ConstructionThe main material the home's frame and walls are built from.Frame (Unspecified)
RoofThe main material covering the roof, such as asphalt shingle or tile.Asphalt
HeatingThe type of heating system in the home.Forced Air With Air Conditioning
CoolingThe type of cooling or air conditioning in the home.Central
PoolWhether the property has a pool, and what kind, such as in-ground.No
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Deck · 64 ft²

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 · 6.5 mi
M
Martensdale - St. Marys Jr. / Sr. High SchoolC
Middle · Grades 7–12 · 6.5 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.Absentee owner
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

16905 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 70% of homes in Warren County
  • Costs more per square foot than 88% of homes in Warren County
  • Smaller than 72% of homes in Saint Charles 50240
  • Has a bigger lot than 86% of homes in Warren County

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 54% 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$385,000
CheaperTypical $370,797Pricier

Pricier than 54% of homes nearby

Price per ft²$297
CheaperTypical $238Pricier

Pricier than 70% of homes nearby

Living area1,296 ft²
SmallerTypical 1,580 ft²Bigger

Bigger than 28% of homes nearby

Lot size5.41 ac
SmallerTypical 4.81 acBigger

Bigger than 55% of homes nearby

Year built1976
OlderTypical 1988Newer

Newer than 39% of homes nearby

How 16905 R45 Hwy ranks against every home in each area.
MeasureThis homeSaint Charles 50240Warren County
Estimated valuepricier than$385,00054% of homes70% of homes
Price per ft²pricier than$29770% of homes88% of homes
Living areabigger than1,296 ft²28% of homes33% of homes
Lot sizebigger than5.41 ac55% of homes86% of homes
Year builtnewer than197639% of homes39% of homes

About 16905 R45 Hwy

How much is 16905 R45 Hwy, Saint Charles, IA worth?

The TopHap Estimate for 16905 R45 Hwy, Saint Charles, IA is $385,000 as of Jul 14, 2026. The likely range is $327,999 to $442,001. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 16905 R45 Hwy, Saint Charles, IA last sell?

16905 R45 Hwy, Saint Charles, IA last sold on Jan 1, 1900, according to the county's recorded deed.

How big is 16905 R45 Hwy, Saint Charles, IA?

16905 R45 Hwy, Saint Charles, IA has 4 bedrooms, 2.5 bathrooms, 1,296 square feet of living space and a 5.41-acre lot.

When was 16905 R45 Hwy, Saint Charles, IA built?

16905 R45 Hwy, Saint Charles, IA was built in 1976, making it 50 years old. The building has 1 story.

What schools serve 16905 R45 Hwy, Saint Charles, IA?

16905 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 16905 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 54% of them ($385,000 against a typical $370,797), its price per square foot is higher than 70% of them ($297 against a typical $238), it is bigger than 28% of them (1,296 ft² against a typical 1,580 ft²), its lot is bigger than 55% of them (5.41 ac against a typical 4.81 ac) and it is newer than 39% of them (1976 against a typical 1988). Measured against all of Warren County, it is worth more than 70% 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 16905 R45 Hwy, Saint Charles, IA?

The 2025 property tax bill for 16905 R45 Hwy, Saint Charles, IA was $3,050. The county assessed it at $336,400.

Closest homes

More homes in Saint Charles 50240

Assigned schools

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