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185th St, Independence, IA, 50644

--beds
--baths
--sqft
$3,088,050
--price/sqft
$21,798/moest. monthly cost
$871,920/yrincome needed

About This Home

Located just north of Independence, Iowa, this highly productive tract represents a premier farming or investment opportunity. Boasting exceptional soil quality, extensive tiling, and an ideal location. This farm is a turnkey addition for any producer or investor’s portfolio. This high quality family farm has been well maintained for many years and is currently farmed through 2026 and will be available for the 2027 crop year. The 205.87+/- acre tract has a CSR2 ranging from 87.46-89.05, with an average of 88.2. Located just off highway 150, this farm is easily accessible and includes parcels 0615300002, 0615300003, 0615300004, 0615300005, 0622100002, and 0622100003. Please refer to FEMA report attached to see the small portion of the field considered in the flood plain.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
25
BikeSomewhat Bikeable

Schools

--
East Elementary SchoolGrades K-23.4 mi
6/10
West Elementary SchoolGrades 3-63.4 mi

Construction

Type & Style

  • Home type: SingleFamily
  • Property subType: Farm

Property

Details

  • Parcel number: 0615300002
  • Zoning: A
  • Special condition: Standard

Lot

  • Lot size: 205.87 Acres
  • Lot size dimensions: 2256x3948

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

  • Drought
    DroughtRelatively High
  • Hail
    HailRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Cold Wave
    Cold WaveModerate
  • Lightning
    LightningModerate

How This Home’s Risks Compare

Drought
Hail
Inland Flooding
Strong Wind
Tornado
Winter Weather
Cold Wave
Lightning

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 $15,614$187,368
Home Insurance *$2,924$35,088
Property Taxes $3,139$37,668
Electricity $121$1,452
Total$21,798$261,576
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$747,360/yr
40% on housing$653,940/yr
45% on housing$581,280/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: 12.5%
12.5%
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 50644$217
Buchanan County$183

vs Homes Sold Last Month

Median $/sqft

ZIP 50644
Buchanan County$99

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
2026-07-13Listed for sale$3,088,050

For Sale by Agent

AgentKeith Donnelly
BrokerageOhl Iowa Realty, Inc

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