706 W Main St, Fertile, IA, 50434
About This Home
Where the freedom of country living meets the convenience of town, this truly unique in-town acreage offers a setting that feels like your own private retreat! Surrounded by mature trees, open prairie, blooming lilacs, and raspberry bushes, this peaceful oasis delivers the space to roam, relax, entertain, and enjoy nature while still benefiting from hard surface roads, city water, and city sewer. 2 parcels combine for an incredible 38.17 acres of perfection! This 4 bedroom, 2 bath home has seen numerous improvements throughout the years, including updates to the kitchen, bathrooms, plumbing, electrical, a steel roof and more! A sunny south facing sunroom provides the perfect place to relax and enjoy the views year round. The partially finished lower level features a cozy wood-burning stove, wet bar with sink and beverage cooler, storage space, and plumbing already in place for a potential future bathroom. Outside, enjoy evenings around the fire pit (swings to stay) while taking in the serene beauty that surrounds you. The insulated 30x40 Morton building with in-floor heat and electricity, and another 36x40 steel utility building, provide endless possibilities for hobbies, workshop space, storage, or recreational vehicles. Also, residents may take advantage of the Worth County Development Authority scholarship program! More than just a home, this is the kind of place people DREAM about...where life feels a little quieter, a little slower, and a whole lot more enjoyable!
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 1926
Materials
- Roof: Metal
- Construction materials: Metal Siding
Type & Style
- Home type: SingleFamily
- Property subType: Single Family Residence
Interior
Basement
- Has basement: Yes
- Basement: Full,Partially Finished
Bedrooms & Bathrooms
- Bedrooms: 4
- Bathrooms: 2
- Full bathrooms: 1
- 3/4 bathrooms: 1
Features
- Number of fireplaces: 1
- Fireplace: Yes
- Finished area below ground: 875
Heating & Cooling
- Heating features: Forced Air,Radiant Floor
- Cooling features: Central Air
Interior Area
- Total interior livable area: 2,835 sqft
Property
Accessibility
- Accessibility features: None
Details
- Parcel number: 0934126005
Features
- Levels: Two
Lot
- Lot size: 38.17 Acres
- Lot size dimensions: 1,198,336 SF 354,578 SF
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
- Cold Wave
- Drought
- Strong Wind
- Tornado
- Winter Weather
- Hail
- Inland Flooding
How This Home’s Risks Compare
FEMA Declared Disasters Across Iowa Counties
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $2,978 | $35,736 |
| Home Insurance * | $278 | $3,336 |
| Property Taxes | $587 | $7,044 |
| Electricity | $211 | $2,537 |
| Total | $4,054 | $48,648 |
Income You'd Need if You Spent...
Iowa FAIR Plan Programs
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-08-04 | Price change | $569,000 |
| 2026-05-12 | Listed for sale | $589,000 |
View on Zillow