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1111 Main St, Rock Valley, IA, 51247

2beds
1baths
1,168sqft
$249,900
$214price/sqft
$1,806/moest. monthly cost
$72,240/yrincome needed

About This Home

Welcome home to this beautifully updated 2-bedroom, 1.5-bath gem full of character, style, and modern touches throughout. From the moment you step inside, you'll love the cozy yet trendy aesthetic featuring cute, inspired updates in every room. The home offers a bright and inviting layout with numerous modern improvements, updated finishes, and newer appliances that make everyday living both stylish and convenient. The kitchen and living spaces blend comfort and functionality perfectly, creating a move-in-ready home you'll instantly fall in love with. Outside, enjoy a large private fenced yard ideal for entertaining, pets, gardening, or simply relaxing in your own peaceful space. The property also features TWO detached insulated garages, including one with heat, providing endless possibilities for storage, hobbies, workshop space, or additional recreational use. This home combines charm, functionality, and modern comfort all in one package a must-see!

Getting Around

65
WalkingSomewhat Walkable
0
TransitVery Limited Transit
45
BikeSomewhat Bikeable

Schools

9/10
4/10
7/10

Construction

Condition

  • Year built: 1920

Materials

  • Roof: Asphalt
  • Construction materials: Vinyl Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Refrigerator,Microwave,Oven,Washer

Basement

  • Area: 0

Basement

  • Has basement: Yes
  • Basement: Unfinished

Bedrooms & Bathrooms

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

Features

  • Finished area above ground: 0

Heating & Cooling

  • Heating features: Gas,Forced Air
  • Cooling features: Central,Wall/Window Unit(s)

Interior Area

  • Total structure area: 0
  • Total interior livable area: 1,168 sqft

Property

Details

  • Parcel number: 0320478011
  • Lease amount: 0

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

  • Hail
    HailVery High
  • Tornado
    TornadoVery High
  • Winter Weather
    Winter WeatherVery High
  • Cold Wave
    Cold WaveRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Ice Storm
    Ice StormRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Drought
    DroughtModerate
  • Lightning
    LightningModerate

How This Home’s Risks Compare

Hail
Tornado
Winter Weather
Cold Wave
Inland Flooding
Ice Storm
Strong Wind
Drought
Lightning

FEMA Declared Disasters Across Iowa Counties

Flood
Severe 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 $1,263$15,156
Home Insurance *$150$1,800
Property Taxes $272$3,264
Electricity $121$1,452
Total$1,806$21,672
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$61,920/yr
40% on housing$54,180/yr
45% on housing$48,160/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: 13.9%
13.9%
0%30.0%
Electricity Growth Rate10-year average: 1.9%
1.9%
0%15.0%
Property Taxes Growth Rate2-year average: -0.2%
-0.2%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$214This listing

vs Other Active Listings

Avg $/sqft

ZIP 51247$146
Sioux County$165

vs Homes Sold Last Month

Median $/sqft

ZIP 51247
Sioux County$139

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
2026-08-05Contingent$249,900
2026-07-16Listed for sale$249,900
2026-05-29Listing removed$249,900
2026-05-23Listed for sale$249,900

For Sale by Agent

AgentRyan Zomer
BrokerageZomer Company

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