14143 Wilden Dr · Urbandale, IA 50323

$445,000

3 bd · 3.5 ba · 1,961 sqft · Townhouse public records · 33 Days on market

Built 2021 $227/sqft · 19% below area Est $550k · 19% under $225/mo HOA · 11% of rent

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Why this score? — see what drove the D- grade

The composite is a weighted blend of 9 inputs, each scored 0–100. Each bar is that input's sub-score; the figure is the points it added to the 100-point composite (weight × sub-score).

• ARV discount +15.0/15.0
• Appreciation +7.4/10.0
• Schools +6.1/10.0
• Livability +4.5/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Cash flow +1.6/30.0
• 1% rule +0.0/10.0
• DSCR +0.0/10.0

Listing remarks MLS

Welcome to 14143 Wilden Dr in Urbandale. This home offers a clean, modern layout with 4 bedrooms, 4 bathrooms, and 2,694 finished square feet. The main level is bright, open and functional, with a spacious kitchen, large island, and additional built-in cabinetry that allows for maximum storage. Upstairs, the primary suite features a custom-designed closet that maximizes both style and function. The large secondary bedrooms have walk in closets and are perfect for a home office. Window coverings, including the living room drapes, stay with the home, making this perfectly move-in ready. Step out back to enjoy a covered deck overlooking a peaceful, tree-lined setting full of wildlife, ideal for relaxing evenings or entertaining. The garage has been upgraded with a professionally finished floor by Revival Concrete Coatings, adding both durability and a polished look. For added convenience and peace of mind, the home is equipped with an ADT security system, including a electronic front door lock, making it easy for the next owner to activate service. All information obtained from seller and public record.

Key facts

• Covered deck
• Adt security system
• 2 garage spots

Tags

• CUSTOM DESIGNED CLOSET
• COVERED DECK
• PROFESSIONALLY FINISHED FLOOR
• ADT SECURITY SYSTEM

What this means for you Summary

Snapshot

• This is a 3-bed/3.5-bath townhouse listed at $445k.

Deal economics

• At list price, monthly cash flow is $-2k ($-21k/yr) — negative.
• To cash-flow at today's rent, offer at most $195k (56.2% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $199k (55.3% below list).
• Recommended offer: $195k (56.2% below list) — sets the bar for cash-flow.
• Cap rate 1.6% vs local median 2.4% in Urbandale — below-typical yield; the buyer is paying a premium for something (appreciation thesis, condition, location) that the cap rate doesn't capture.

Location & tenants

• Location reads 90/100 on livability (#4 in IA, #69 nationally) — a professional / high-income tenant draw. Strengths: crime A+, amenities A+, employment A+; Watch: commute F.
• Urbandale Community School District (suburban): math 67% / reading 72% proficiency, ranked #116 of 289 in IA (top 40%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
• Zoned schools: Webster Elementary School (math 87% / reading 82%, grade A+, #31 of 616 statewide, top 6%, 510 students, 20% FRL); Urbandale Middle School (math 66% / reading 71%, grade A, #126 of 246 statewide, top 53%, 894 students, 41% FRL); Urbandale High School (math 66% / reading 77%, grade B+, #134 of 336 statewide, top 41%, 1,347 students, 36% FRL).
• Market conditions: 381 active listings in the ZIP; 5 comparable units currently listed for rent nearby; rentals at typical pace (median 16d on market — plan ~3-4 weeks tenant-placement turnaround); high-income renter base; 2,953 units permitted in Polk County in 2024 (540 in 5+ unit buildings).
• This rent is only 14% of the median local income ($176k/yr) — well below the 30% rent-burden line; pricing power to push rent on renewal without tenant pushback.

Forward outlook

• In year one you build about $24k of equity ($3k loan paydown + $21k appreciation (4.8% local appreciation)).
• Polk County population projected at +37% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.
• By year 2, paydown + projected appreciation supports a ~$39k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• It's been on market 33 days — a 3% lower offer ($432k) is reasonable based on typical stale-listing flexibility.
• 2 sale attempts since 4y ago with the ask held roughly flat each time — persistent listings suggest the price (not the market) is what's stuck; bring a comps-based counter.

Recommended offer $194,701 (56.2% below list)

Questions for the listing agent

1. What do current leases actually rent for vs. the listed asking? Can we see a recent rent roll and the last 12 months of T-12 income?
2. It's been on market 33 days. Have you received any prior offers? Is the seller open to a 56% concession, seller financing, or rate buy-down credit?
3. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
4. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
5. Schools are A-rated — typically a magnet for longer-tenancy family renters. What's the average tenant stay here, and is there a school-zone premium baked into asking?
6. The area grade is low — what's the realistic commute time and amenity access for the typical tenant pool here? Any planned neighborhood developments (good or bad) we should know about?
7. What's the average days-on-market for RENTAL listings here right now (not sales)? A rising rental-DOM trend means longer vacancies and softer asking-rent achievability than the comps imply.
8. What's the recent tenant-quality profile in this submarket — average credit score on applications, eviction rate, late-payment / NSF rate, and stable-employment percentage? A property-management company in the area should have these aggregated.
9. How much new for-sale + rental construction is in the pipeline within 1–3 miles? Heavy new supply typically softens prices + rents 12–24 months out; constrained supply supports both.

Investment metrics

• 1% rule: 0.45% ✗
• Cap rate: 1.63%
• Cash-on-cash: -16.66%
• DSCR: 0.26
• GRM: 18.7

CMA / ARV

• ARV (median comp): $549,500
• List price: $445,000
• Delta: -19.02%
• Verdict: UNDERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 6 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
14153 Wilden Dr	0.03mi	4/3.5 (+1)	1,961 (0%)	9mo	$437,000	$223	86
14036 Ridgemont Dr	0.26mi	3/3.5	1,939 (-1%)	2mo	$385,000	$199	85
14116 Ridgemont Dr	0.29mi	3/3.5	1,919 (-2%)	1mo	$343,400	$179	82
14165 Wilden Dr	0.06mi	4/3.5 (+1)	1,961 (0%)	21mo	$410,000	$209	75
14102 Ridgemont Dr	0.26mi	4/3.5 (+1)	1,923 (-2%)	9mo	$350,000	$182	72
14101 Wilden Dr	0.14mi	3/3.0	2,112 (+8%)	12mo	$747,000	$354	68

Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.

Projected returns pro-forma

4.81% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: -1.5%
• Equity multiple: 0.90×
• Total profit: $-12,313
• Equity at exit: $246,986

10-year hold

• IRR: 2.6%
• Equity multiple: 1.49×
• Total profit: $60,790
• Equity at exit: $422,034

Cash invested: $124,600 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

• Overall (STATE): 83 Strongly Landlord-Friendly
• State Iowa: 83 Strongly Landlord-Friendly · R+6
• County: — inherits STATE
• City: — inherits STATE

3-day pay-or-quit; mostly landlord-friendly statewide.

Methodology + full state rankings →

ZIP-level market 50323

• Home prices YoY: 2.5%
• Active inventory: 381
• Price-to-rent: 18.7×

Monthly cashflow live

• Estimated rent: $1,988 high
• Mortgage (P&I): −$2,334
• Tax est. 1.5%: −$556 /mo · $6,675/yr
• Insurance: −$185
• HOA: −$225
• Vacancy / Maint / Mgmt: −$417
• Net cashflow: $-1,730

Break-even live

Break-even rent $4,178

Max offer price $194,701

Occupancy floor —

Sensitivity live

Price	-10% $-1,422	-5% $-1,576	+0% $-1,730	+5% $-1,884	+10% $-2,037
Rent	-10% $-1,887	-5% $-1,808	+0% $-1,730	+5% $-1,651	+10% $-1,573
Rate	-1.0pp $-1,506	-0.5pp $-1,617	base $-1,730	+0.5pp $-1,845	+1.0pp $-1,962

UW: 25.0% down · 7.5% · 30yr · 1.5% tax · 5.0% vac · 8.0% maint · 8.0% mgmt

Financing live

Cash to close

• Down payment: $111,250
• Closing costs: $13,350
• Reserves months: —
• Total cash needed: —

Rent comps 5 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
14412 Holcomb Ave Urbandale, IA	4.0	3.0	2565	$2,900	$1.13	16d	1	0.97mi
4454 142nd St Urbandale, IA	1.0–3.0	1.0–2.0	949	$1,384	$1.46	16d	6	1.01mi
4015 154th St Urbandale, IA	3.0	2.5	1428	$2,295	$1.61	21d	1	1.27mi
4315 152nd Ct Urbandale, IA	2.0	2.5	1240	$1,495	$1.21	16d	1	1.41mi
4304 153rd Pl Urbandale, IA	2.0	2.5	1240	$1,450	$1.17	23d	1	1.45mi

HOA detail

• Monthly dues: $225 · $2,700/yr
• Likely covers: security

Listing history 4 events

1. 2026-04-16
   listed $445,000 Active 1117-char remark

   Show marketing remark (1117 chars)

   Welcome to 14143 Wilden Dr in Urbandale. This home offers a clean, modern layout with 4 bedrooms, 4 bathrooms, and 2,694 finished square feet. The main level is bright, open and functional, with a spacious kitchen, large island, and additional built-in cabinetry that allows for maximum storage. Upstairs, the primary suite features a custom-designed closet that maximizes both style and function. The large secondary bedrooms have walk in closets and are perfect for a home office. Window coverings, including the living room drapes, stay with the home, making this perfectly move-in ready. Step out back to enjoy a covered deck overlooking a peaceful, tree-lined setting full of wildlife, ideal for relaxing evenings or entertaining. The garage has been upgraded with a professionally finished floor by Revival Concrete Coatings, adding both durability and a polished look. For added convenience and peace of mind, the home is equipped with an ADT security system, including a electronic front door lock, making it easy for the next owner to activate service. All information obtained from seller and public record.

2. 2022-11-14
   soldstatus $415,134 Closed
3. 2022-03-24
   status Pending
4. 2022-03-24
   listed $405,000 Active

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

Climate risk First Street

• 🌊 Flood 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
• 🔥 Wildfire 2/10 Low
• 🌡 Heat 3/10 Moderate 7 d/yr ≥103°F today · 15 d/yr by 30 yrs out
• 💨 Wind 2/10 Low
• 🫁 Air quality 1/10 Low 0 unhealthy d/yr today · 0 by 30 yrs out

Taxation est. · year 1

• Rental income: $23,856
• − Mortgage interest: −$24,927
• − Property taxes: −$6,675
• − Insurance: −$2,225
• − Repairs & maintenance: −$1,908
• − Management: −$1,908
• − HOA: −$2,700
• − Depreciation: −$12,945
• Taxable loss: −$29,433
• Est. tax savings @ 24.0%: +$7,064
• After-tax cash flow: $-13,693/yr

For passive investors: Depreciation is non-cash, so a rental often shows a tax loss while cash-flowing — sheltering income. Rental losses are passive: they offset passive income freely, and up to $25,000/yr can offset ordinary (W-2) income if you actively participate and your MAGI is under $100k (phasing out to $0 by $150k); unused losses carry forward. On sale, claimed depreciation is recaptured at up to 25%, and gains may owe capital-gains tax (a 1031 exchange can defer both). Figures are a year-1 estimate at your 24.0% rate — not tax advice; consult a CPA.

Schools (NCES district)

• District: Urbandale Community School District
• NCES district ID: 1928680
• Math proficiency: 67% ▼ -10.00%
• Reading proficiency: 72% ▼ -3.00%
• Median HH income: $71,098
• Composite: 60.95/100
• National rank: #807
• State rank: #116 of 289 in IA

Livability — Urbandale

• Score: 90/100
• State rank: #4
• US rank: #69

Category grades

Amenities A+ Commute F Cost of living A- Crime A+ Employment A+ Housing A+ Health & safety A+ User ratings A+

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Urbandale, IA
• County: Polk County · 453,298 people
• City population: 49,196
• Metro: Des Moines-West Des Moines, IA
• Population (ZIP): 17,265
• Household income: $175,944
• Rent vs Own: 12.8% rent · 87.2% own
• Severe rent burden: 63.0

Population outlook (Polk County) Hauer SSP2

• Today (2025): 548,042 people
• By 2030: 588,557 · +7.4%
• By 2040: 670,629 · +22.4%
• By 2050: 752,830 · +37.4%
• By 2075: 955,069 · +74.3%
• By 2100: 1,115,436 · +103.5%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (86%)
• Race & ethnicity: White 86% Asian 6% Two or more races 4% Hispanic / Latino 3% Black 2%
• Common ancestry: Portuguese 6% Iranian 5% Lithuanian 2%
• Foreign-born: 7% · Canada, China, Philippines
• Languages at home: 92% English-only · Russian/Polish/Slavic 2% Chinese 1% Spanish 1%

Political lean MEDSL · Polk

• 2024 margin: D (+10.9) · D 54.8% · R 43.9% · Other 1.3%
• 2008→2024 swing: -3.7pp toward R · 2008: 14.6pp · 2024: 10.9pp
• All cycles: 2024: D+10.9 2020: D+15.2 2016: D+11.5 2012: D+14.2 2008: D+14.6

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▲ 4.81%
• Current HPI: 199.789
• Rent YoY: —
• Metro: Des Moines-West Des Moines, IA
• State GDP YoY: ▲ 2.48%
• F500 in state: 4

Industry mix (Fortune 500 HQ in IA)

Industry	F500 HQs	Revenue
▸Financial Services	1	$16B
▸Retail / Convenience	1	$15B

Price history

+9.9% since first listed

4 events — show timeline

• 2026-04-16 Listed $445,000 DMMLS
• 2022-11-14 Sold (MLS) $415,134 DMMLS
• 2022-03-24 Pending — DMMLS
• 2022-03-24 Listed $405,000 DMMLS