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210 N 3rd St, Mallard, IA, 50562

1beds
2baths
1,080sqft
$270,000
$250price/sqft
$2,190/moest. monthly cost
$87,600/yrincome needed

About This Home

Newly built one-of-a-kind home in a quiet small town with a big footprint! This one-level house was custom-built with high-end finishes and a great use of space. The all-steel exterior and upgraded windows will be maintenance-free for years. The house has a vaulted ceiling in the main entertainment room with a stone gas fireplace & 10ft ceilings in the bedroom, closet, bathrooms & hallway. The kitchen was custom-built with granite counters, stainless steel appliances, solid-wood cabinets, a farmhouse sink, and a fume hood. The primary bedroom is roomy & has a secret door for the hidden large walk-in closet & a double vanity in the bathroom with an Onyx shower system. There is a half bath in the hallway and a utility closet featuring a forced air furnace, on-demand water heater, stackable w/d and water softener if needed, since the city is now on Rural Water. The oversized garage was set up originally as a 2 bed+/2+bath layout + garage stall. The 40x60 building is not finished yet (plumbing is there) and can be your own custom man cave + extra-large garage or 2nd home!!!!!!!!!! The house is connected to the garage via a cement patio, and the rear of the garage has an expansive porch area to host gatherings or enjoy the outdoors. The original plans are available for both buildings. Furnishings are negotiable so don't wait to take a look at this one!

Getting Around

18
WalkingCar-Dependent
0
TransitVery Limited Transit
31
BikeSomewhat Bikeable

Schools

5/10
Mallard Elementary SchoolGrades PK-412.0 mi
4/10
6/10

Construction

Condition

  • Property condition: New Construction
  • New construction: Yes
  • Year built: 2023

Materials

  • Roof: Metal
  • Construction materials: Steel Siding,Stick Built

Type & Style

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

Interior

Appliances

  • Appliances included: Dryer,Exhaust Fan,Range/Stove,Refrigerator,Washer,Water Softener Owned
  • Laundry features: Main Level,Washer/Dryer Hkups

Basement

  • Basement: None

Bathroom

  • Features: 3/4 Master,Main Floor 1/2 Bath

Bedrooms & Bathrooms

  • Bedrooms: 1
  • Bathrooms: 2
  • 3/4 bathrooms: 1
  • 1/2 bathrooms: 1

Dining Room

  • Features: Combine Living Room,Combine with Kitchen,Informal,Open Floorplan

Features

  • Kitchen Island,Main Floor Bedrooms,Vaulted Ceiling(s),Walk-In Closet(s)
  • Fireplace features: Gas
  • Fireplace: Yes
  • Finished area below ground: 0
  • Finished area above ground: 1,080

Heating & Cooling

  • Heating features: Fireplace(s),Forced Air
  • Cooling features: Central Air

Interior Area

  • Total structure area: 1,080
  • Total interior livable area: 1,080 sqft

Property

Details

  • Parcel number: 640002001003
  • Other equipment: Fuel Tank-Rented

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Patio,Porch

Lot

  • Lot size: 0.28 Acres
  • Features: Corner Lot
  • Lot size dimensions: 78 x 156

Parking

  • Total spaces: 5
  • Parking features: Gravel,Detached
  • Has garage: Yes
  • Attached garage spaces: 5
  • Covered spaces: 5
  • Has uncovered spaces: 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 WaveVery High
  • Hail
    HailVery High
  • Lightning
    LightningVery High
  • Drought
    DroughtRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Winter Weather
    Winter WeatherRelatively High

How This Home’s Risks Compare

Cold Wave
Hail
Lightning
Drought
Strong Wind
Tornado
Winter Weather

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 $1,365$16,380
Home Insurance *$398$4,776
Property Taxes $306$3,672
Electricity $121$1,452
Total$2,190$26,280
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$75,085/yr
40% on housing$65,700/yr
45% on housing$58,400/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: 17.9%
17.9%
0%30.0%
Electricity Growth Rate10-year average: 1.9%
1.9%
0%15.0%
Property Taxes Growth Rate2-year average: -2.8%
-2.8%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$250This listing

vs Other Active Listings

Avg $/sqft

ZIP 50562$38
Palo Alto County$97

vs Homes Sold Last Month

Median $/sqft

ZIP 50562
Palo Alto County$81

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
2026-05-09Price change$275,000
2026-04-14Listed for sale$285,000
2010-08-26Sold$13,500

New Construction

AgentDana Reinders
BrokerageEXIT Realty Midwest- Spencer/Emmetsburg

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