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12221 W BELL Road #223, Surprise, AZ, 85378

1beds
1baths
503sqft
$99,000
$197price/sqft
$924/moest. monthly cost
$36,960/yrincome needed

About This Home

Beautifully recently upgraded end-unit studio condo. This light-filled unit offers added privacy with its end-unit position and features a private balcony, perfect for relaxing or enjoying Arizona evenings. The community is known for its quiet, well-maintained environment and includes the convenience of elevator access, a rare feature in similar complexes. Ideally situated near shopping, dining, and major roadways, this property offers both comfort and accessibility. Perfect for a first-time buyer or investment rental opportunity. +Easy access to Loop 303 and just a short drive to the rapidly growing North Valley tech corridor, including major semiconductor developments and employment centers.

Getting Around

24
WalkingCar-Dependent
0
TransitVery Limited Transit
44
BikeSomewhat Bikeable

Schools

7/10
Valley Vista High SchoolGrades 7-123.8 mi

Construction

Condition

  • Year built: 1987

Materials

  • Roof: Foam
  • Construction materials: Stucco,Wood Frame

Other

  • Builder name: Baptist

Type & Style

  • Home type: Condo
  • Architectural style: Other
  • Property subType: Condominium

Interior

Appliances

  • Appliances included: Washer/Dryer Stacked,Electric Cooktop

Bedrooms & Bathrooms

  • Bedrooms: 1
  • Bathrooms: 1
  • Full bathrooms: 1

Features

  • Quartz Countertops,No Interior Steps,Full Bth Master Bdrm
  • Flooring: Tile
  • Common walls with other units/homes: No Common Walls,End Unit

Heating & Cooling

  • Heating features: Heat Pump
  • Cooling features: Central Air

Interior Area

  • Total structure area: 503
  • Total interior livable area: 503 sqft

Property

Details

  • Parcel number: 50124285
  • Attached to another structure: Yes

Features

  • Stories: 3
  • Exterior features: Balcony,Storage
  • Has spa: Yes
  • Spa features: Heated
  • Fencing: None

Lot

  • Lot size: 503 sqft
  • Features: None,Corner Lot

Parking

  • Parking features: Unassigned

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

  • Heat Wave
    Heat WaveVery High
  • Inland Flooding
    Inland FloodingRelatively High

How This Home’s Risks Compare

Heat Wave
Inland Flooding

FEMA Declared Disasters in Maricopa County and Arizona

Fire
Flood
Snowstorm
Winter Storm

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 $500$6,000
Home Insurance $24$288
Property Taxes $184$2,208
Electricity $216$2,603
Total$924$11,088

Income You'd Need if You Spent...

35% on housing$31,680/yr
40% on housing$27,720/yr
45% on housing$24,640/yr

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: 11.2%
11.2%
0%30.0%
Electricity Growth Rate10-year average: 1.2%
1.2%
0%15.0%
Property Taxes Growth Rate2-year average: -2.1%
-2.1%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$197This listing

vs Other Active Listings

Avg $/sqft

ZIP 85378$126
Maricopa County$272

vs Homes Sold Last Month

Median $/sqft

ZIP 85378$221
Maricopa County$262

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
2026-05-08Price change$105,000
2026-04-14Listed for sale$110,000
2026-03-30Pending sale$110,000
2026-03-18Listed for sale$110,000
2025-03-03Listing removed$950
2025-02-27Listed for rent$950
2015-04-30Sold$30,800
1996-02-21Sold$26,000

For Sale by Agent

AgentBelen Guzman
BrokerageSelen Real Estate LLC

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