3001 Saddle Way, Cumming, IA, 50061
About This Home
Discover The Cottages at Middlebrook Agrihood with this thoughtfully designed two-story home offering 2 bedrooms and 2.5 bathrooms. Inside, you'll find 9 foot ceilings in the living room and kitchen, creating an open and airy feel. The second level features the primary bedroom with a private bath that features a dual vanity, a tile shower with a fiberglass base, and a walk-in closet. Also, a second bedroom and bathroom as well as laundry room. Enjoy stylish finishes including quartz countertops, LVP flooring, and tile backsplash. Enjoy a private fenced patio yard perfect for relaxing or entertaining. Other features: 2x6 construction, two car garage, and geothermal heating and cooling. HOA dues include lawn care and snow removal, allowing for low-maintenance living in one of Iowa's most unique planned communities. Located just steps from the Great Western Bike Trail, Middlebrook Meadow, Wilson's Orchard, Middlebrook Mercantile, Tom Becker Park, and the Town Center! Only 30 units are being built, ask for details on all units!
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Property condition: New Construction
- New construction: Yes
- Year built: 2026
Materials
- Foundation: Poured,Slab
- Roof: Asphalt,Shingle
Other
- Builder name: Ground Breaker Homes, LLC
Type & Style
- Home type: SingleFamily
- Architectural style: Two Story
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Dishwasher,Microwave,Stove
- Laundry features: Upper Level
Bedrooms & Bathrooms
- Bedrooms: 2
- Bathrooms: 3
- Full bathrooms: 1
- 3/4 bathrooms: 1
- 1/2 bathrooms: 1
Features
- Eat-in Kitchen,Cable TV
- Flooring: Carpet,Tile
- Finished area below ground: 0
Heating & Cooling
- Heating features: Geothermal,See Remarks
- Cooling features: Geothermal
Interior Area
- Total structure area: 1,290
- Total interior livable area: 1,290 sqft
Property
Details
- Parcel number: TBD
- Zoning: R
Features
- Levels: Two
- Stories: 2
- Patio & porch: Open,Patio
- Exterior features: Sprinkler/Irrigation,Patio
Lot
- Lot size: 3,049 sqft
- Features: Rectangular Lot
- Lot size dimensions: 33 x 95
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 | $1,617 | $19,404 |
| Home Insurance * | $127 | $1,524 |
| Property Taxes | $370 | $4,440 |
| Electricity | $121 | $1,452 |
| Total | $2,235 | $26,820 |
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 |
|---|---|---|
| 2026-07-20 | Listed for sale | $319,900 |
View on Zillow