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204 S 15th Ave, Rock Rapids, IA, 51246

5beds
3baths
2,838sqft
$497,500
$175price/sqft
$3,504/moest. monthly cost
$140,160/yrincome needed

About This Home

Spacious Ranch Home – Move In Before Closing This 5-bedroom, 3-bath ranch home offers both space and style, with a thoughtfully designed open layout and modern finishes throughout. With three bedrooms on the main floor, it provides the perfect balance of convenience and comfort. Features to Love: -Bright and open main living area with a seamless flow between the living room, dining area, and kitchen -Well-appointed kitchen with granite countertops, a tile backsplash, a large center island, and a walk-in pantry -Primary suite retreat with a walk-in tile shower, dual vanities, and a spacious walk-in closet -Main floor laundry room with sink and a mudroom off the garage for added convenience -Oversized 3-stall garage (38x26) with epoxy flooring and plenty of space for storage -Covered deck off the dining area, with a fully landscaped yard, sod, and a sprinkler system Located in Rock Rapids, a welcoming small town just 29 miles from Sioux Falls, this home is close to local amenities while offering a peaceful setting. With an acceptable offer, buyers can move in before closing. Plus, take advantage of a 5-year tax abatement on $75,000 of the home’s assessed value!

Getting Around

7
WalkingCar-Dependent
0
TransitVery Limited Transit
27
BikeSomewhat Bikeable

Schools

9/10
9/10

Construction

Condition

  • Year built: 2023

Materials

  • Roof: Shingle
  • Construction materials: Brick,Hardboard

Type & Style

  • Home type: SingleFamily
  • Architectural style: Ranch
  • Property subType: Single Family Residence,Residential

Interior

Appliances

  • Appliances included: Water Softener: None
  • Laundry features: Main Level

Basement

  • Has basement: Yes
  • Basement: Full

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 3
  • Main level bathrooms: 2
  • Main level bedrooms: 3

Features

  • Eat-in Kitchen,Entrance Foyer,Master Bath,Master WI Closet,Kitchen Island,Pantry
  • Finished area below ground: 1,225
  • Finished area above ground: 1,613

Heating & Cooling

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

Interior Area

  • Total structure area: 2,838
  • Total interior livable area: 2,838 sqft

Property

Details

  • Parcel number: 350000124892100

Features

  • Patio & porch: Deck

Lot

  • Lot size: 0.32 Acres
  • Features: Landscaped,Lawn Sprinkler System

Parking

  • Total spaces: 3
  • Parking features: Attached,Oversized,Concrete
  • Has garage: Yes
  • Attached garage spaces: 3

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 $2,515$30,180
Home Insurance *$422$5,064
Property Taxes $356$4,272
Electricity $211$2,540
Total$3,504$42,048
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$120,137/yr
40% on housing$105,120/yr
45% on housing$93,440/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

$175This 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)

Price History

DateEventPrice
2026-05-01Listed for sale$497,500
2026-05-01Listing removed$497,500
2025-10-01Listed for sale$497,500
2025-10-01Listing removed$529,000
2025-03-06Price change$529,000
2024-09-17Listed for sale$559,900
2024-09-09Listing removed$559,900
2024-06-17Price change$559,900
2024-01-22Listed for sale$579,900
2022-12-30Listing removed--
2022-01-31Listed for sale$447,500

For Sale by Agent

AgentBrit Whalen
BrokerageColdwell Banker Empire Realty

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