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3806 12th St, Des Moines, IA, 50313

2beds
1baths
934sqft
$129,000
$138price/sqft
$1,083/moest. monthly cost
$43,320/yrincome needed

About This Home

Rental property opportunity! Positive rental income of $1050 with a rental certificate good through June 2027. This would also make a great home for someone looking to add equity to their investment. Seller has a large portfolio. Ask for more info!

Getting Around

46
WalkingCar-Dependent
32
TransitSome Transit
42
BikeSomewhat Bikeable

Schools

3/10
1/10
Harding Middle SchoolGrades 6-81.0 mi
2/10
North High SchoolGrades 9-121.0 mi

Construction

Condition

  • Year built: 1890

Materials

  • Foundation: Brick/Mortar

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence,Residential

Interior

Basement

  • Has basement: Yes
  • Basement: Unfinished

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 1
  • Full bathrooms: 1

Heating & Cooling

  • Heating features: Forced Air,Natural Gas
  • Cooling features: Central Air

Interior Area

  • Total structure area: 934
  • Total interior livable area: 934 sqft

Property

Details

  • Parcel number: 070/02636000000
  • Zoning: RES
  • Special condition: Standard

Lot

  • Lot size: 6,534 sqft

Parking

  • Parking features: Garage
  • Has garage: Yes

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
    Cold WaveModerate
  • Hail
    HailModerate
  • Heat Wave
    Heat WaveModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Cold Wave
Hail
Heat Wave
Strong Wind
Tornado

FEMA Declared Disasters Across Iowa Counties

Flood
Severe Storm
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 $652$7,824
Home Insurance *$126$1,512
Property Taxes $184$2,208
Electricity $121$1,452
Total$1,083$12,996
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$37,131/yr
40% on housing$32,490/yr
45% on housing$28,880/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: 12.2%
12.2%
0%30.0%
Electricity Growth Rate10-year average: 1.9%
1.9%
0%15.0%
Property Taxes Growth Rate2-year average: -2.3%
-2.3%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$138This listing

vs Other Active Listings

Avg $/sqft

ZIP 50313$113
Polk County$193

vs Homes Sold Last Month

Median $/sqft

ZIP 50313$153
Polk County$213

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
2026-04-10Price change$129,000
2026-02-25Price change$150,000
2025-11-15Price change$160,000
2025-10-09Listed for sale$173,500
2025-10-02Listing removed$185,000
2025-08-14Listed for sale$185,000
2019-12-04Sold$79,500
2019-11-18Pending sale$87,400
2019-10-10Price change$87,400
2019-06-08Price change$93,500
2019-04-12Price change$94,900
2018-11-28Listed for sale$99,500
2018-10-24Listing removed$99,500
2018-10-02Price change$99,500
2018-09-08Listed for sale$104,900
2012-09-07Listing removed$64,900
2012-03-02Price change$64,900
2011-11-08Listed for sale$69,900
2001-03-21Sold$57,500

For Sale by Agent

AgentAbby Hausmann-Virgil
BrokerageKeller Williams- Ankeny Metro

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