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707 Mill Pond Rd, Rock Rapids, IA, 51246

3beds
2baths
1,700sqft
$447,700
$263price/sqft
$2,963/moest. monthly cost
$118,520/yrincome needed

About This Home

Welcome to new construction living in the heart of Rock Rapids, where thoughtful design meets everyday comfort. This beautifully crafted 3 bedroom, 2 bathroom ranch offers 1,700 sq ft of main-level living designed for both function and style. The open layout features granite countertops, a spacious walk-in pantry, and elevated finishes that feel warm and inviting from the moment you walk in. The large primary suite creates a true retreat with a private bath and generous space to unwind. Downstairs, the unfinished 1,700 sq ft basement is a blank canvas—ready for future bedrooms, a second living area, or whatever your lifestyle needs next. The attached 4-stall tandem garage offers incredible flexibility for vehicles, storage, or hobbies—something you don’t find every day. Step outside to the 12x12 covered patio, perfect for slow mornings or hosting friends on warm Midwest evenings. Plus, enjoy added value with local incentives while supplies last: • $2,000 Chamber Bucks utilities rebate • $5,000 Chamber Bucks city rebate • 5-year tax abatement on $75,000 of assessed value A home built with intention- his one is worth your attention. Buyer to verify designated schools and boundaries

Getting Around

2
WalkingCar-Dependent
0
TransitVery Limited Transit
24
BikeSomewhat Bikeable

Schools

9/10
9/10

Construction

Condition

  • Property condition: To Be Built
  • New construction: Yes
  • Year built: 2026

Materials

  • Roof: Shingle
  • Construction materials: See Remarks

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: Unfinished

Bedrooms & Bathrooms

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

Features

  • Finished area below ground: 0
  • Finished area above ground: 1,700

Heating & Cooling

  • Heating features: Forced Air
  • Cooling features: 2 Central

Interior Area

  • Total structure area: 1,700
  • Total interior livable area: 1,700 sqft

Property

Details

  • Parcel number: 350000124882912
  • Exclusions: Appliances,final grade,landscaping,sprinklers,lawn

Lot

  • Lot size: 0.34 Acres

Parking

  • Total spaces: 4
  • Parking features: Attached,Tandem,Concrete
  • Has garage: Yes
  • Attached garage spaces: 4

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 $2,263$27,156
Home Insurance *$380$4,560
Property Taxes $194$2,328
Electricity $126$1,521
Total$2,963$35,556
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$101,588/yr
40% on housing$88,890/yr
45% on housing$79,013/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

$263This listing

vs Other Active Listings

Avg $/sqft

ZIP 51246$170
Lyon County$191

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
2026-04-02Listed for sale$447,700
2026-01-01Listing removed$63,500
2025-06-12Listed for sale$63,500
2025-06-02Listing removed$63,500
2024-06-18Listed for sale$63,500

New Construction

AgentBrit Whalen
BrokerageColdwell Banker Empire Realty

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