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442 Ferry Rd, Miles, IA, 52064

3beds
1baths
1,025sqft
$173,000
$169price/sqft
$1,331/moest. monthly cost
$53,240/yrincome needed

About This Home

Beautifully remodeled 3-bedroom home located in a quiet small-town setting! This move-in-ready property has been completely updated inside and out, offering the perfect blend of modern finishes and small-town charm. The home features a fully remodeled interior with fresh finishes throughout. All new electric, exterior walls with spray foam insulation, attic has new insulation, updated exterior improvements, and a bright, welcoming feel from the moment you walk in. 2 Bedrooms upstairs, with 1 in the basement. Main floor full bath and laundry room. Outside, you'll find a detached single-car garage that is also being re-finished, adding even more value and functionality to the property. Whether you're looking for your first home, a place to downsize, or simply want turnkey living in a peaceful community, this home checks all the boxes. Enjoy the comfort of a like-new home with the convenience and charm of small-town living!

Getting Around

14
WalkingCar-Dependent
0
TransitVery Limited Transit
37
BikeSomewhat Bikeable

Schools

9/10
Miles Elementary CenterGrades PK-60.3 mi
3/10
Easton Valley High SchoolGrades 7-124.2 mi

Construction

Condition

  • Year built: 1880

Materials

  • Foundation: Other
  • Roof: Asphalt
  • Construction materials: Vinyl Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Microwave
  • Laundry features: Main Level,In Bathroom,Laundry Closet

Basement

  • Has basement: Yes
  • Basement: Partially Finished,Partial

Bedroom2

  • Level: Main
  • Area: 126
  • Dimensions: 14X9

Bedroom3

  • Level: Basement
  • Area: 198
  • Dimensions: 11X18

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 1
  • Full bathrooms: 1

Dining Room

  • Level: Main
  • Dimensions: COMBO

Enclosed Porch

  • Level: Main
  • Area: 96
  • Dimensions: 6X16

Features

  • 1st Floor Full Bath
  • Window features: Blinds
  • Attic: Unfinished
  • Finished area below ground: 288

Heating & Cooling

  • Heating features: Forced Air
  • Cooling features: Central Air

Interior Area

  • Total structure area: 2,050
  • Total interior livable area: 1,025 sqft

Kitchen

  • Features: Flooring (Vinyl),Window Treatments (Blinds)
  • Level: Main
  • Area: 190
  • Dimensions: 10X19

Laundry

  • Level: Main
  • Area: 32
  • Dimensions: 4X8

Living Room

  • Features: Flooring (Vinyl),Window Treatments (Blinds)
  • Level: Main
  • Area: 180
  • Dimensions: 15X12

Master Bedroom

  • Features: Window Treatments (Blinds)
  • Level: Main
  • Area: 126
  • Dimensions: 14X9

Property

Accessibility

  • Accessibility features: No Disability Access

Details

  • Parcel number: 842036227025000
  • Special condition: List Broker Must Accompany

Features

  • Stories: 1

Lot

  • Lot size: 3,920 sqft
  • Features: None

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

  • Strong Wind
    Strong WindVery High
  • Cold Wave
    Cold WaveRelatively High
  • Drought
    DroughtRelatively High
  • Hail
    HailRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Tornado
    TornadoRelatively High
  • Ice Storm
    Ice StormModerate
  • Landslide
    LandslideModerate
  • Lightning
    LightningModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

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

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 $874$10,488
Home Insurance *$118$1,416
Property Taxes $218$2,616
Electricity $121$1,452
Total$1,331$15,972
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$45,634/yr
40% on housing$39,930/yr
45% on housing$35,493/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: 9.6%
9.6%
0%30.0%
Electricity Growth Rate10-year average: 1.9%
1.9%
0%15.0%
Property Taxes Growth Rate2-year average: -1.6%
-1.6%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$169This listing

vs Other Active Listings

Avg $/sqft

ZIP 52064$106
Jackson County$122

vs Homes Sold Last Month

Median $/sqft

ZIP 52064
Jackson County$130

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
2026-05-14Listed for sale$173,000
2024-10-15Sold$25,000
2024-09-06Pending sale$40,000
2024-08-07Listed for sale$40,000

For Sale by Agent

AgentCasandra Heiar
BrokerageAssociated Real Estate Counselors LeClaire

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