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3902 Valley View Rd, Ames, IA, 50010

4beds
5baths
2,433sqft
$485,000
$199price/sqft
$3,579/moest. monthly cost
$143,160/yrincome needed

About This Home

A well-designed two-story home in the Northridge Heights subdivision, offering 4 bedrooms, 4.5 bathrooms, and over 3,300 square feet of finished living space. Located within the Gilbert School District, this property combines a functional layout, abundant natural light, and everyday comfort in a highly desirable setting. The main level features a sunlight-filled breakfast and dining area, along with a cozy living room and a spacious family room that flows seamlessly from the kitchen, creating a bright and welcoming environment ideal for both daily living and entertaining. The open kitchen serves as the central hub of the home, offering excellent connectivity and complemented by a conveniently located main-floor laundry. The upper level is thoughtfully arranged with all four bedrooms, including a generous primary suite with a private bath, as well as a versatile loft/office space--ideal for working from home, studying, or additional lounge use. Three additional bedrooms are supported by a Jack-and-Jill bathroom and an additional full bath, providing a practical layout that enhances daily convenience. The finished basement adds valuable flexibility, featuring a clean, open layout enhanced by recent updates. Complete with a 3/4 bath and bar area, it is well suited for recreation, fitness, or additional living space. With approximately 2,433 square feet above grade and over 3,300 square feet of total finished area, this home offers both space and versatility. Recent improvements support long-term comfort and reliability, including updated mechanical systems and interior enhancements designed for durability and ease of maintenance. Move-in ready and well maintained, this property presents a compelling opportunity within one of Ames' established neighborhoods.

Getting Around

21
WalkingCar-Dependent
0
TransitVery Limited Transit
78
BikeVery Bikeable

Schools

--
Gilbert Elementary SchoolGrades PK-23.2 mi
10/10
Gilbert Middle SchoolGrades 6-83.6 mi
9/10
Gilbert High SchoolGrades 9-123.2 mi

Construction

Condition

  • Year built: 2003

Materials

  • Foundation: Concrete Perimeter,Tile

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Dryer,Microwave,Range,Refrigerator
  • Laundry features: Main Level

Basement

  • Has basement: Yes
  • Basement: Full,Sump Pump

Bedroom2

  • Level: Upper

Bedroom3

  • Level: Upper

Bedroom4

  • Level: Upper

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 5
  • Full bathrooms: 3
  • 3/4 bathrooms: 1
  • 1/2 bathrooms: 1

Dining Room

  • Level: Main

Family Room

  • Level: Main

Features

  • Ceiling Fan(s)
  • Flooring: Vinyl,Laminate,Hardwood,Carpet
  • Fireplace features: Gas
  • Fireplace: Yes
  • Finished area below ground: 800
  • Finished area above ground: 1,151

Full Bathroom

  • Level: Upper

Full Bathroom

  • Level: Upper

Half Bathroom

  • Level: Main

Heating & Cooling

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

Interior Area

  • Total structure area: 2,433
  • Total interior livable area: 2,433 sqft

Kitchen

  • Level: Main

Laundry

  • Level: Main

Living Room

  • Level: Main

Master Bathroom

  • Level: Upper

Master Bedroom

  • Level: Upper

Office

  • Level: Upper

Other

  • Level: Basement

Rec Room

  • Level: Basement

Utility Room

  • Level: Basement

Property

Details

  • Parcel number: 0528168030
  • Zoning: FS-RL - Suburb
  • Special condition: Standard

Features

  • Patio & porch: Patio

Lot

  • Lot size: 0.30 Acres
  • Features: Sprinkler (Yard)

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

  • Tornado
    TornadoRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Hail
    HailModerate
  • Strong Wind
    Strong WindModerate

How This Home’s Risks Compare

Tornado
Winter Weather
Hail
Strong Wind

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 $2,452$29,424
Home Insurance *$286$3,432
Property Taxes $660$7,920
Electricity $181$2,177
Total$3,579$42,948
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$122,708/yr
40% on housing$107,370/yr
45% on housing$95,440/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: 12.3%
12.3%
0%30.0%
Electricity Growth Rate10-year average: 1.9%
1.9%
0%15.0%
Property Taxes Growth Rate2-year average: -1.8%
-1.8%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$199This listing

vs Other Active Listings

Avg $/sqft

ZIP 50010$190
Story County$203

vs Homes Sold Last Month

Median $/sqft

ZIP 50010$195
Story County$210

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
2026-05-01Price change$485,000
2026-04-04Listed for sale$489,000
2026-02-27Listing removed--
2026-01-22Listed for sale$489,000
2009-06-17Sold$290,000
2004-09-20Sold$293,990

For Sale by Agent

AgentKarlai Thornburg
BrokerageFriedrich Realty

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