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717 S 12th St, Clear Lake, IA, 50428

2beds
2baths
988sqft
$249,000
$252price/sqft
$1,792/moest. monthly cost
$71,680/yrincome needed

About This Home

Great two bedroom house near Clear Creek Elementary School. Enjoy main-floor laundry, updated kitchen and bath with step-in shower. The full basement offers opportunity to grow, storage or your favorite hobby. There's a one car attached garage, shed and an oversized back yard with plenty of room for more! Just a few blocks from the Outdoor Classroom, Youth Soccer Fields and Dog Park too! Call your FAVORITE agent today and take a look!

Getting Around

38
WalkingCar-Dependent
0
TransitVery Limited Transit
36
BikeSomewhat Bikeable

Schools

9/10
6/10
Clear Lake Middle SchoolGrades 6-80.7 mi
8/10
Clear Lake High SchoolGrades 9-120.8 mi

Construction

Condition

  • Year built: 1955

Materials

  • Construction materials: Vinyl Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: Ranch
  • Property subType: Single Family Residence

Interior

Basement

  • Has basement: Yes
  • Basement: Unfinished

Bedroom2

  • Level: Main
  • Area: 110
  • Dimensions: 11 X 10

Bedrooms & Bathrooms

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

Heating & Cooling

  • Heating features: Forced Air
  • Cooling features: Central Air

Interior Area

  • Total interior livable area: 988 sqft

Kitchen

  • Level: Main
  • Area: 100
  • Dimensions: 10 X 10

Living Room

  • Level: Main
  • Area: 264
  • Dimensions: 22 X 12

Other

  • Level: Main
  • Area: 144
  • Dimensions: 12 X 12

Property

Accessibility

  • Accessibility features: No Stairs Internal

Details

  • Parcel number: 061830601700

Lot

  • Lot size: 0.44 Acres
  • Lot size dimensions: 93 x 206

Parking

  • Total spaces: 1
  • Parking features: Asphalt
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1

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 $1,259$15,108
Home Insurance *$166$1,992
Property Taxes $246$2,952
Electricity $121$1,452
Total$1,792$21,504
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$61,440/yr
40% on housing$53,760/yr
45% on housing$47,786/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

$252This listing

vs Other Active Listings

Avg $/sqft

ZIP 50428$245
Cerro Gordo County$189

vs Homes Sold Last Month

Median $/sqft

ZIP 50428$195
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
2026-06-17Listed for sale$249,000
2021-06-11Sold$157,500
2013-06-12Sold$95,000
2013-05-04Listed for sale$99,900

For Sale by Agent

AgentTanya S Kirschbaum-Conley
BrokerageLakeside Brokers

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