Polk City Homes under $500,000

Polk City Homes under $500,000

Welcome to Polk City, Iowa – a hidden gem nestled in the heart of Polk County, offering a perfect blend of small-town charm and modern conveniences. Just a stone's throw from the bustling city of Des Moines, Polk City boasts a serene environment with a vibrant community spirit. With its picturesque parks, scenic lakes, and a plethora of recreational activities, it’s no wonder that families and professionals alike are drawn to this delightful area.

Polk City is renowned for its warm, welcoming atmosphere, making it an ideal place for those looking to settle down and enjoy a peaceful lifestyle. The town features an array of local shops, restaurants, and community events that foster connections among residents. Plus, with top-rated schools and abundant outdoor spaces, including the beautiful Big Creek State Park, it’s a fantastic location for families.

For homebuyers seeking value, Polk City offers a selection of charming homes under $500,000, making it an attractive option for first-time buyers, growing families, and anyone looking to invest in a thriving community. These homes often feature spacious layouts, modern amenities, and beautifully landscaped yards, providing the perfect backdrop for creating lasting memories.

Whether you’re looking for a cozy single-family home or a contemporary townhouse, Polk City’s real estate market has something for everyone. Embrace the opportunity to call this delightful city home, where affordability meets quality living in a community that truly feels like family. Discover your dream home in Polk City today!

Newest Polk City Homes under $500,000

314 E Wood Street, Polk City
$290,000
3 Beds ⋅ 2 Baths ⋅ 750037 MLS
Located in the heart of Polk City, this updated 3 bedroom, 2 bath ranch home offers just under 1,400 sq ft of comfortable living space. Walk to the downtown square and enjoy easy access to Saylorville Lake trails right off the side of the property. Situated n a .3-acre lot with a garden area, the home also features an oversized, insulated 2-car detached garage and an extra-wide driveway for additional parking. The modern kitchen shines alongside numerous updates: new roof (2020), HVAC (2024), and water heater and water softener (2025). LED lighting in the kitchen and living room is Alexa/Google compatible. MyQ garage openers and Reolink security cameras included. Move-in ready with smart features and a prime location.

314 E Wood Street, Polk City
101 Walker Street, Polk City
$169,000
3 Beds ⋅ 2 Baths ⋅ 749683 MLS
Opportunity awaits in a highly desirable Polk City location! This 3-bedroom, 2-bathroom home offers a large living area and plenty of space to create the home you’ve been envisioning. The property needs significant work, but the possibilities are here to make it your own and add value along the way. Outside, you’ll find a large detached garage, multiple storage sheds, a spacious deck, fenced yard, and a dedicated pad ready for a future pool. With a great location and an impressive amount of garage, storage, and outdoor space, this property offers plenty of potential for the right buyer.

101 Walker Street, Polk City
1021 Cardinal Drive, Polk City
$494,900
4 Beds ⋅ 3 Baths ⋅ 749606 MLS
This impressive 4-bed, 3-bath ranch offers 2,617 sq ft of finished living space with a thoughtfully designed layout and inviting spaces throughout. The 1,717sqft main level features 9-ft ceilings and a beautifully refreshed kitchen with new cabinet fronts, countertops, backsplash, and dishwasher. Fantastic counter space and a convenient corner pantry add functionality. The spacious living room, highlighted by a gas fireplace, provides the perfect gathering space. The primary suite offers an ensuite bath with dual vanity, tiled shower, and walk-in closet. Two additional bedrooms, a full bath, laundry room, and drop zone complete the main level. The daylight lower level, with 9ft ceilings and 900sqft of finished living space, is designed for entertaining featuring a wet bar, bar-top seating, and solid-surface flooring. A fourth bedroom, full bath, and large storage room complete the lower level. Outside, enjoy the oversized covered deck and beautifully maintained landscaping. Schedule your tour today!

1021 Cardinal Drive, Polk City
1104 Phillips Street, Polk City
$325,000
3 Beds ⋅ 3 Baths ⋅ 749325 MLS
Welcome home to this great 2 story featuring 3 bedrooms, 2.5 baths, and a 2 car attached garage! Enjoy the welcoming front deck and the large back deck overlooking the fully fenced-in backyard, complete with a shed for extra storage. Inside, the spacious dining area offers plenty of room for a large table and flows seamlessly into the living room and kitchen, making entertaining a breeze. The updated kitchen features ceiling height cabinetry, tile backsplash, granite countertops, and a fun pantry/coffee bar nook. All kitchen appliances stay, including the washer/dryer. A convenient half bath completes the main level. Upstairs, you'll find a spacious primary suite, two additional bedrooms, and a full bathroom. The finished basement provides flexible additional living space, a great workout area, or whatever best fits your needs, along with a non-conforming office area and a fantastic laundry space. Conveniently located close to the square, shopping, dining, and other amenities. Don't miss the opportunity to make this one your new home!

1104 Phillips Street, Polk City
807 W Trace Drive, Polk City
$364,900
3 Beds ⋅ 3 Baths ⋅ 749145 MLS
This light-filled ranch walkout townhome has water views from nearly every room, high ceilings, large windows and open-concept living and dining area with 4-season sunroom. The large main-floor primary suite features a tray ceiling and ensuite bath with dual vanities and all-new fixtures. Classic finishes cater to your decor. Downstairs, a spacious living room opens to a private patio. A huge lower bedroom offers flexible space for a home office, craft room or second suite, and an expansive storeroom adds storage that’s hard to find in a townhome. Main-floor laundry room and an attached two-car garage round out the everyday conveniences. Low HOA dues cover lawn, snow, trash and exterior maintenance. New HVAC, water heater, stainless appliances, Kohler bathroom fixtures Beautiful wood blinds throughout Maintenance-free deck Shaded lower-level patio Maple cabinets and hardwood; granite counters Minutes from TCI Golf Course, Big Creek State Park, town square & North Polk schools

807 W Trace Drive, Polk City
1001 Lyndale Drive, Polk City
$299,000
4 Beds ⋅ 2 Baths ⋅ 749088 MLS
Well cared for and refreshed duplex with strong rental history, no vacancies, and room for income growth. 1003 Lyndale just received fresh paint and carpet and is ready to rent. Or perhaps you'd like to live on one side and rent the other as a source of income? 1001 and 1003 Lyndale features 2 bedrooms and individual garages. Both units feature central air units and high efficiency heat pumps for heat. Tenants pay for all utilities, water, and trash. Duplex units seldom become available in Polk City. These units have been well cared for and have a very strong rental history. Call today to schedule a tour of your next investment property.

1001 Lyndale Drive, Polk City
309 Tyler Street, Polk City
$279,900
4 Beds ⋅ 2 Baths ⋅ 748694 MLS
Excellent investment opportunity in Polk City! Well cared for duplex with a strong rental history, no vacancies, and room for income growth. Both 309 and 311 Tyler feature 2 bedrooms and individual garages. Tenants pay for all utilities, water, and trash. Property currently occupied by tenants. Please allow 24 hrs notice. Properties like this do not come available in Polk City very often. Call to make this one yours!

309 Tyler Street, Polk City
1209 Bel Aire Road, Polk City
$300,000
4 Beds ⋅ 2 Baths ⋅ 748625 MLS
Welcome home to this charming split level property featuring 4 bedrooms, 2 full bathrooms! From the moment you step inside, you?ll appreciate the inviting layout, and spacious living room perfect for relaxing or entertaining family and friends. The kitchen is sure to impress with beautiful backsplash, granite countertops, and stainless steel appliances. The home features a comfortable flow from the living room into the kitchen and dining areas, making it easy to enjoy time together. Several important updates have been completed over the years, including the roof, soffit, and fascia, kitchen and flooring updates were completed in 2020, providing a solid foundation for the next owner to make the home their own. In 2024 the furnace and AC was replaced. This practical floor plan offers plenty of space and flexibility, making it easy to envision yourself settling in and enjoying this home for years to come. Outside, the generously sized yard provides plenty of room for gatherings, play, gardening, or enjoying warm spring and summer days. The oversized 2 car garage has an additional work space perfect for future projects. Located in the welcoming community of Polk City, you'll enjoy small town living while still having convenient access to big time amenities in Des Moines. With so many updates already completed, this home is truly a must see! All information obtained from seller and public record.

1209 Bel Aire Road, Polk City
637 Eagle Way, Polk City
$460,000
3 Beds ⋅ 3 Baths ⋅ 748044 MLS
Beautiful stand-alone townhome in Polk City near Big Creek, Saylorville Lake, TCI Golf Course, parks & trails! Mature trees provide added privacy, while the HOA handles mowing and snow removal for easy, low-maintenance living. This 3-bedroom, 3-bath walkout features an open layout filled with natural light and picturesque windows. The main level offers a spacious kitchen with bar seating, stone fireplace, primary suite with remodeled bath, additional bedroom/bath, laundry and drop zone. Enjoy a covered deck and walkout patio overlooking the trees. The lower level offers a large family room, bedroom/bath and great storage. Thoughtful updates include fresh exterior paint (2025), stained deck (2026), garage heater, updated lighting, newer microwave & storm door, plus professionally installed custom pantry, laundry storage and bedroom closet. Move-in ready and made to enjoy!

637 Eagle Way, Polk City
205 E Pine Ridge Drive, Polk City
$469,900
4 Beds ⋅ 4 Baths ⋅ 747925 MLS
Stunning custom built 2 Story with 3 car garage on .55 acres! You will love the open floor plan with 9ft ceilings on main level and plenty of windows letting in the light. The great room has a cozy fireplace with gorgeous arched cabinet recesses. The kitchen has nice cabinets, a new induction oven with air fryer, new microwave, and counter bar seating. There is also a dining room and a bonus office or sitting room. Upstairs are 3 large bedrooms, 2 full baths, and a laundry room. The primary bedroom has unique crank out windows, a vaulted ceiling, walk in closet, and a bathroom with double sinks, sink shelving, and a bubble tub. The walkout basement is fully finished with a 4th bedroom, 3/4 bath, family/rec room, and a kitchenette/wet bar. Outside you can relax on the deck or the patio with privacy from mature trees. Other updates include irrigation system, wifi thermostat, new roof (11/24), whole home water softener and drinking filtration system, and newer mechanicals. Just a short walk to Saylorville Lake, Marina, and bike/walking trails. Easy commute to Ankeny, Johnston, and Des Moines as well! Come see what Polk City has to offer and make this Home Sweet Home today!

205 E Pine Ridge Drive, Polk City
408 E Vista Lake Avenue, Polk City
$439,600
4 Beds ⋅ 3 Baths ⋅ 747570 MLS
Beautifully built ranch by Sage Homes located in beautiful Big Creek Commons in Polk City. This custom-designed Orchid Floor Plan offers 2,147 sqft of finished living space with an open layout ideal for everyday living and entertaining. The main level features a spacious kitchen, a generous amount of cabinetry with hardware, a walk-in pantry, and seamless flow into the dining and living areas. The living room includes a beautiful electric fireplace with shiplap details. The primary suite features a walk-in closet and spacious bathroom with high-end plumbing fixtures, and thoughtfully designed cabinetry with hardware. Mudroom lockers add everyday convenience. The finished lower-level adds space for living and entertaining. Quality craftsmanship throughout in one of Polk City's growing communities. All info obtained from seller and public records. The home is HERS energy certified and carries a 1-year builder warranty. All information obtained from seller and public record.

408 E Vista Lake Avenue, Polk City
1511 NE Daybreak Avenue, Polk City
$449,000
4 Beds ⋅ 3 Baths ⋅ 747470 MLS
Discover easy, elevated ranch living in the Walton, expertly built by Greenland Homes in Sunrise Ridge Polk City's newest community within the highly desirable Ankeny School District. This new construction ranch delivers main-level convenience plus a fully finished walkout lower level with soaring 9' ceilings, where you'll find the spacious 3rd and 4th bedrooms perfect for guests, family, or a home office. The great room makes a statement with a gas fireplace framed in stunning stone to the ceiling, while quality carries throughout with 36" cabinets and designer hardware in every space. Relax and unwind on the 12x12 covered deck, and enjoy the spa-like tiled shower with a sleek glass door in the owner's suite. Durable LP siding rounds out the thoughtful, low-maintenance details. Every Greenland home is backed by a 2-year builder warranty, and as a proudly employee-owned and locally owned builder, quality and pride show in every corner. Still time to customize and make it your own start now! Don't forget to ask about financing promotions with the preferred lender. If this isn't what you are looking for, check out Greenland Homes communities in Adel, Altoona, Ankeny, Bondurant, Clive, Elkhart, Granger, Grimes, Norwalk, Pella, and Waukee.

1511 NE Daybreak Avenue, Polk City
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