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2318 State Highway 9, Rock Rapids, IA, 51246

5beds
3baths
3,384sqft
$595,000
$176price/sqft
$4,269/moest. monthly cost
$170,760/yrincome needed

About This Home

Welcome to this exceptional 5-bedroom, 3-bathroom residence nestled on over an acre of pristine land. This stunning 3,384 square-foot home perfectly blends modern updates with spacious countryside living, featuring five generously-sized bedrooms, three full bathrooms with updated fixtures, an open-concept design with contemporary elements, and a beautifully updated kitchen with modern appliances and elegant countertops. Inside, fresh finishes throughout—including flooring, paint, and lighting—create a bright and inviting atmosphere, while the comfortable master suite offers a private ensuite bathroom. Outside, the expansive acreage provides privacy and endless possibilities, with professionally landscaped grounds featuring mature trees, manicured lawn, quality exterior finishes, ample parking, and wonderful outdoor living space perfect for entertaining or peaceful retreats. This property offers the ideal escape from the hustle and bustle while maintaining modern comfort and convenience, making it perfect for families seeking room to grow, nature lovers, or anyone craving that coveted country lifestyle without sacrificing contemporary amenities.

Getting Around

4
WalkingCar-Dependent
0
TransitVery Limited Transit
22
BikeSomewhat Bikeable

Schools

6/10
7/10
6/10
West Lyon High SchoolGrades 9-126.0 mi

Construction

Condition

  • Year built: 2002

Materials

  • Foundation: Concrete
  • Roof: Shake / Shingle
  • Construction materials: Frame

Type & Style

  • Home type: SingleFamily
  • Architectural style: Contemporary

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Freezer,Garbage disposal,Microwave,Range / Oven,Refrigerator,Washer

Basement

  • Basement: Finished

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 3
  • Full bathrooms: 3

Features

  • Flooring: Tile,Carpet,Hardwood

Heating & Cooling

  • Heating features: Forced air,Electric,Gas
  • Cooling features: Central

Interior Area

  • Total interior livable area: 3,384 sqft

Property

Details

  • Parcel number: 370000014410000

Features

  • Exterior features: Shingle,Wood products,Brick

Lot

  • Lot size: 1 Acres

Parking

  • Total spaces: 3
  • Parking features: Garage - Attached

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
  • Ice Storm
    Ice StormVery High
  • Tornado
    TornadoVery High
  • Winter Weather
    Winter WeatherVery High
  • Cold Wave
    Cold WaveRelatively High
  • Drought
    DroughtRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Heat Wave
    Heat WaveModerate
  • Lightning
    LightningModerate

How This Home’s Risks Compare

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

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 $3,008$36,096
Home Insurance *$505$6,060
Property Taxes $504$6,048
Electricity $252$3,029
Total$4,269$51,228
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$146,365/yr
40% on housing$128,070/yr
45% on housing$113,840/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

$176This listing

vs Other Active Listings

Avg $/sqft

ZIP 51246$179
Lyon County$194

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)

No zestimate history available

Price History

DateEventPrice
2026-04-16Listed for sale$599,900
2024-05-13Listing removed--
2024-02-13Listed for sale$525,000
2023-06-09Listing removed--
2023-03-11Listed for sale$550,000
2015-07-15Sold$232,500
2015-03-24Listing removed$259,900
2015-02-11Listed for sale$259,900

For Sale by Owner

AgentProperty Owner

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