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12th St NE, Mason City, IA, 50401

--beds
--baths
0sqft
$649,000
--price/sqft
$4,801/moest. monthly cost
$192,040/yrincome needed

About This Home

85.25 acres, m/l, located within the city limits of Mason City, Iowa on the south side of 12th St. NE. This level to moderately sloping farm has 42.11 FSA/Eff. crop acres with a CSR2 of 47.10. This property has great development potential within the city limits of Mason City. Contact agent for a planned unit development plat.

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Getting Around

0
WalkingCar-Dependent
0
TransitNo Nearby Transit
25
BikeSomewhat Bikeable

Schools

8/10
Jefferson Elementary SchoolGrades PK-41.3 mi
4/10
John Adams Middle SchoolGrades 7-81.0 mi
5/10
Mason City High SchoolGrades 9-120.9 mi

Construction

Type & Style

  • Home type: SingleFamily
  • Architectural style: Other
  • Property subType: Farm

Property

Details

  • Parcel number: 070130001100
  • Zoning: Agriculture

Lot

  • Lot size: 85.25 Acres

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

  • Tornado
    TornadoVery High
  • Winter Weather
    Winter WeatherVery High
  • Cold Wave
    Cold WaveRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Drought
    DroughtModerate
  • Hail
    HailModerate
  • Inland Flooding
    Inland FloodingModerate

How This Home’s Risks Compare

Tornado
Winter Weather
Cold Wave
Strong Wind
Drought
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 $3,281$39,372
Home Insurance *$713$8,556
Property Taxes $686$8,232
Electricity $121$1,452
Total$4,801$57,612
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

30% on housingRecommended$192,040/yr
35% on housing$164,605/yr
40% on housing$144,030/yr
45% on housing$128,026/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

--This listing

vs Other Active Listings

Avg $/sqft

ZIP 50401$104
Cerro Gordo County$186

vs Homes Sold Last Month

Median $/sqft

ZIP 50401$97
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)

Price History

DateEventPrice
2026-05-15Listed for sale$649,000

For Sale by Agent

AgentDoug Hensley
BrokerageHertz Real Estate Services
Phone309-338-7174
View on Zillow

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