1103 S 44th St #103, Cumming, IA, 50061
About This Home
Live/Work Townhomes are coming soon to Middlebrook, offering a rare ownership opportunity along the future Main Street corridor. These fee-simple residences provide true live + work flexibility with approved commercial use on the main level, perfect for office, studio, or small business operations. While the residential flat is complete, the commercial space is delivered as a warm shell ready to be built out however your business needs. Each home features an approximately 1,450 SF residential flat with rooftop patio, a 2-car attached garage, a spacious lower-level bonus area, and roughly 1,260 SF of commercial or office space with street-front visibility. This unique design allows owners to live above their business, lease the commercial space for income, or enjoy the property as a second home with investment potential. Only 1 unit remaining! This limited offering provides a distinctive lifestyle within Middlebrook, Iowa’s First Agrihood in Cumming, Iowa, and a rare chance to own mixed-use property in the Des Moines metro. Prices starting at $850,000.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Property condition: New Construction
- New construction: Yes
- Year built: 2026
Materials
- Foundation: Poured
- Roof: See Remarks
- Construction materials: Brick
Type & Style
- Home type: Townhouse
- Architectural style: Three Story
- Property subType: Townhouse,Condominium
Interior
Appliances
- Laundry features: Upper Level
Basement
- Has basement: Yes
- Basement: Partial,Unfinished
Bedrooms & Bathrooms
- Bedrooms: 2
- Bathrooms: 2
- Full bathrooms: 1
- 1/2 bathrooms: 1
Features
- Wet Bar,Dining Area,Eat-in Kitchen,See Remarks
- Number of fireplaces: 1
- Fireplace features: Electric
- Fireplace: Yes
- Finished area below ground: 105
Heating & Cooling
- Heating features: Geothermal,See Remarks
- Cooling features: Geothermal
Interior Area
- Total structure area: 1,450
- Total interior livable area: 1,450 sqft
Property
Details
- Parcel number: 42030000010
- Zoning: PUD
Features
- Levels: Three Or More
- Stories: 3
Lot
- Lot size: 1,306 sqft
- Features: Rectangular Lot
- Lot size dimensions: 24 x 108
Parking
- Total spaces: 2
- Parking features: Attached,Garage,Two Car Garage
- 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
- Hail
- Heat Wave
- Lightning
- Strong Wind
- Tornado
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 | $4,298 | $51,576 |
| Home Insurance * | $337 | $4,044 |
| Property Taxes | $984 | $11,808 |
| Electricity | $121 | $1,452 |
| Total | $5,740 | $68,880 |
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 |
|---|---|---|
| 2026-02-10 | Listed for sale | $850,000 |
View on Zillow