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403 Mill Pond Rd, Rock Rapids, IA, 51246

4beds
3baths
2,892sqft
$1,299,000
$449price/sqft
$9,130/moest. monthly cost
$365,200/yrincome needed

About This Home

Stunning Acreage on the Edge of Rock Rapids - A Rare Opportunity! Don't miss your chance to own this exceptional 2,892 sq. ft. home situated on 2.34 acres on the edge of Rock Rapids, surrounded by a beautiful new development. Built in 2009, this one-of-a-kind property offers the perfect blend of luxury, comfort, and functionality with amenities that are rarely found in a single property. Step inside and discover quality craftsmanship and thoughtful design throughout. The spacious kitchen features a stunning 12′ x 15′ layout with a large wraparound island, creating the perfect space for cooking, entertaining, and gathering with family and friends. One of the home's standout features is the incredible 23′ x 33′ sunroom, complete with a 20-foot jetted swim spa, providing year-round enjoyment and relaxation. Comfort is maximized with a geothermal heating and cooling system and in-floor heat in both the basement and attached garage. Outside, the possibilities are endless with an impressive collection of outbuildings, including: 40′ x 32′ barn 75′ x 54′ fully insulated and heated steel utility building with tube heat 42′ x 54′ attached shed with a forced-air furnace Whether you're looking for storage, workshop space, a place for hobbies, or room for your business or equipment, this property has it all. With countless upgrades and amenities throughout, this extraordinary acreage truly must be seen to be appreciated. Opportunities like this don't come along often. Schedule your private showing today and experience everything this remarkable Rock Rapids property has to offer!

Getting Around

6
WalkingCar-Dependent
0
TransitVery Limited Transit
22
BikeSomewhat Bikeable

Schools

8/10
9/10

Construction

Condition

  • Year built: 2009

Materials

  • Roof: Asphalt
  • Construction materials: Cement Siding

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Refrigerator,Microwave,Oven,Washer

Basement

  • Area: 0

Basement

  • Has basement: Yes
  • Basement: Full,Finished

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 2
  • 1/2 bathrooms: 1

Features

  • Finished area above ground: 2,892

Heating & Cooling

  • Heating features: Electric,Geothermal
  • Cooling features: Central

Interior Area

  • Total structure area: 2,892
  • Total interior livable area: 2,892 sqft

Kitchen

  • Features: Open

Property

Details

  • Parcel number: 350000124878000
  • Lease amount: 0

Features

  • Pool features: Above Ground,Pool/Spa Combo
  • Patio & porch: Patio

Parking

  • Total spaces: 2
  • Parking features: Attached
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Hail
    HailVery High
  • Winter Weather
    Winter WeatherVery High
  • Cold Wave
    Cold WaveRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Ice Storm
    Ice StormRelatively High
  • Tornado
    TornadoRelatively High
  • Drought
    DroughtModerate
  • Heat Wave
    Heat WaveModerate
  • Strong Wind
    Strong WindModerate

How This Home’s Risks Compare

Hail
Winter Weather
Cold Wave
Inland Flooding
Ice Storm
Tornado
Drought
Heat Wave
Strong Wind

FEMA Declared Disasters Across Iowa Counties

Flood
Severe Storm
Tornado

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $6,568$78,816
Home Insurance *$1,104$13,248
Property Taxes $1,243$14,916
Electricity $215$2,588
Total$9,130$109,560
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$313,028/yr
40% on housing$273,900/yr
45% on housing$243,466/yr

Iowa FAIR Plan Programs

Iowa FAIR Plan Association

Covered
WildfireWildfire
Visit Website →
Current Policies
Residential: 1,021Commercial: 22
Total Premiums$1.14M
Total Exposure$85.68M

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 15.6%
15.6%
0%30.0%
Electricity Growth Rate10-year average: 1.9%
1.9%
0%15.0%
Property Taxes Growth Rate2-year average: -2.4%
-2.4%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$449This listing

vs Other Active Listings

Avg $/sqft

ZIP 51246$152
Lyon County$183

vs Homes Sold Last Month

Median $/sqft

ZIP 51246
Lyon County$102

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-07-10Listed for sale$1,299,000
2025-10-09Listing removed$1,500,000
2025-04-08Listed for sale$1,500,000
2025-03-19Listing removed$1,500,000
2024-07-18Listed for sale$1,500,000
2024-07-18Listing removed--
2024-01-19Listed for sale$1,500,000

For Sale by Agent

AgentRyan Zomer
BrokerageZomer Company

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