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12972 120th St, Sheffield, IA, 50475

3beds
3baths
2,800sqft
$459,529
$164price/sqft
$3,376/moest. monthly cost
$135,040/yrincome needed

About This Home

READY TO MOVE TO THE COUNTRY! THIS ACREAGE HAS IT ALL! 10+ ACRES! PICTURESQUE SETTING! Closer to Rockwell than Sheffield! Approximately 15 miles to MC! Mature trees, pasture area, barn, nice outbuildings, heated shop and garage, plenty of room for cars, equipment and hobbies of your choice! Geothermal, newer well shared by both homes! Enjoy the welcoming country kitchen, dining area with slider to deck and included hot tub! Spacious room with beautiful fireplace for cozy evenings at home! Abundant storage throughout! Master bdrm with terrific updated bath and custom barn doors! 2 freezers included, $10,000 septic allowance for the main house. 3034 Mallard Ave ~ Ever so charming home features spacious floor plan, 1 bdrm with a loft and full basement. Lovely front porch and so much more! Appliances are included except washer/dryer, shared well, septic aprox. 10 yrs., perfect for a loved one to live near to you! Bring your farm friends and make this terrific property YOUR new HOME! :)

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
27
BikeSomewhat Bikeable

Schools

8/10
West Fork Middle SchoolGrades 6-83.6 mi
7/10
West Fork High SchoolGrades 9-123.5 mi

Construction

Condition

  • Year built: 1979

Materials

  • Roof: Metal
  • Construction materials: Vinyl Siding

Type & Style

  • Home type: SingleFamily
  • Property subType: Farm

Interior

Appliances

  • Appliances included: Dishwasher,Electric Range,Gas Range,Microwave,Refrigerator,Washer/Dryer,Water Softener Rented

Basement

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

Bedroom1

  • Level: Upper
  • Area: 179.58

Bedroom2

  • Level: Upper
  • Area: 160.6

Bedroom3

  • Level: Upper
  • Area: 123.17

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 3
  • Main level bathrooms: 1

Dining Room

  • Features: Eat-in Kitchen,Formal Dining,Kit. / DR. Combo,LD. / DR. Combo,Snack Bar
  • Level: Main
  • Area: 175.89

Family Room

  • Level: Lower
  • Area: 283.2

Features

  • Ceiling Fan(s),Open Staircase,Main Bath (Master Bath)
  • Flooring: Ceramic Tile,Vinyl,Laminate
  • Fireplace features: Wood Burning
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Electric,Propane-Owned,Other
  • Cooling features: Central Air

Interior Area

  • Total structure area: 2,800
  • Total interior livable area: 2,800 sqft

Kitchen

  • Level: Main
  • Area: 151.29

Living Room

  • Level: Main
  • Area: 335.8

Property

Details

  • Parcel number: 3 parcelssee agent rmrks
  • Zoning description: A/AGRICULTURE

Features

  • Levels: Multi-Level
  • Patio & porch: Patio
  • Exterior features: Storage
  • Has spa: Yes
  • Spa features: Private
  • Residential vegetation: Wooded

Lot

  • Lot size: 10.23 Acres

Parking

  • Total spaces: 1
  • Parking features: Attached,Detached,Garage Door Opener,Heated Garage,Oversized,Workshop in Garage,Gravel
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1

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
    Cold WaveRelatively High
  • Drought
    DroughtRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Hail
    HailModerate
  • Inland Flooding
    Inland FloodingModerate

How This Home’s Risks Compare

Cold Wave
Drought
Strong Wind
Tornado
Winter Weather
Hail
Inland Flooding

FEMA Declared Disasters Across Iowa Counties

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 $2,323$27,876
Home Insurance *$510$6,120
Property Taxes $335$4,020
Electricity $208$2,506
Total$3,376$40,512
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$115,748/yr
40% on housing$101,280/yr
45% on housing$90,026/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: 10.5%
10.5%
0%30.0%
Electricity Growth Rate10-year average: 1.9%
1.9%
0%15.0%
Property Taxes Growth Rate2-year average: 1.4%
1.4%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$164This listing

vs Other Active Listings

Avg $/sqft

ZIP 50475$59
Cerro Gordo County$189

vs Homes Sold Last Month

Median $/sqft

ZIP 50475
Cerro Gordo County$97

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
2025-09-09Price change$459,529
2025-08-21Listed for sale$499,529

For Sale by Agent

AgentDODIE WILKINS
BrokerageCentury 21 Preferred

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