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Rural ResidenceResidential
$420,123$242 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 88How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jul 14, 2026

2540 120TH ST

ROCK RAPIDS, IA 51246
1
Baths
1,734 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
160 ac
Lot SizeThe size of the land the home sits on, from county records.
1915
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.
2
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$420K
$372K low$469K high
Est. Owner EquityRoughly how much of the home's value the owner would keep after paying off known loans. It is our estimate minus the loans still owed.$350,123
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$280,098
Loan-to-ValueHow much is still owed on the home compared to what it is worth. 80% means loans equal 80% of our estimate, so it shifts when the estimate does.18%
1st MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$70,000
MINNWEST BANK LUVERNE · recorded Dec 26, 2013

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$5,676 (2024)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$521,320 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$359,780
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$161,540
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$426,760
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$521,320

Climate Risk

Overall riskThe average of the five hazard scores below, on a 0 to 100 scale. Higher means greater projected risk over the coming decades.31
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
29
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
63
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
47
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
15
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Rural Residence
StyleThe architectural style of the home, such as ranch or colonial.Conventional
CountyLyon
Lot (acres)The size of the land the home sits on, from county records.160.00
ConstructionThe main material the home's frame and walls are built from.Frame (Unspecified)
FoundationWhat the home is built on, such as a concrete slab, a crawl space, or a basement.Block (Unspecified)
RoofThe main material covering the roof, such as asphalt shingle or tile.Asphalt
HeatingThe type of heating system in the home.Forced Air
CoolingThe type of cooling or air conditioning in the home.Yes
GarageWhether the property has a garage, and details like whether it is attached to the home.Garage, Detached
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Porch · 132 ft²

Transaction History(2)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

E
West Lyon Elementary SchoolB
Elementary · Grades PK–6 · 9.3 mi
H
West Lyon High SchoolB
High · Grades 9–12 · 9.3 mi
M
West Lyon Junior High SchoolB
Middle · Grades 7–8 · 9.3 mi

District: West Lyon Community School District

Neighborhood · ZIP 51246These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.125
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.83
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.19

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.94%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.16%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.3.1%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.0.7%
PopulationHow many people live in this area.4,544
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.28 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$73,023
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$90,712
Average tempThe average temperature here across a full year.46°F
Annual precipHow much rain and melted snow falls here in a typical year.27 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.61%

Ownership

OccupancyWhether the owner appears to live here or somewhere else. It is inferred from the mailing address on record.Owner occupied
Company ownedWhether the owner is a company or trust rather than a person.No

Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

2540 120th St measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth more than 79% of homes in Rock Rapids 51246
  • Costs more per square foot than 78% of homes in Rock Rapids 51246
  • Among the largest lots in Rock Rapids 51246
  • Older than 90% of homes in Rock Rapids 51246

What homes are worth in Rock Rapids 51246

Each bar is how many homes fall in that price range. The marker is this home.

This home
$73K$793K

This home is worth more than 79% of homes in Rock Rapids 51246.

How it measures up in Rock Rapids 51246

The dot is this home. The mark in the middle is the typical home in Rock Rapids 51246.

Estimated value$420,123
CheaperTypical $242,985Pricier

Pricier than 79% of homes nearby

Price per ft²$242
CheaperTypical $162Pricier

Pricier than 78% of homes nearby

Living area1,734 ft²
SmallerTypical 1,545 ft²Bigger

Bigger than 64% of homes nearby

Lot size160 ac
SmallerTypical 0.33 acBigger

Bigger than almost all homes nearby

Year built1915
OlderTypical 1956Newer

Newer than 10% of homes nearby

How 2540 120th St ranks against every home in each area.
MeasureThis homeRock Rapids 51246Lyon County
Estimated valuepricier than$420,12379% of homes77% of homes
Price per ft²pricier than$24278% of homes76% of homes
Living areabigger than1,734 ft²64% of homes64% of homes
Lot sizebigger than160 acalmost all homesalmost all homes
Year builtnewer than191510% of homes11% of homes

About 2540 120th St

How much is 2540 120th St, Rock Rapids, IA worth?

The TopHap Estimate for 2540 120th St, Rock Rapids, IA is $420,123 as of Jul 14, 2026. The likely range is $371,714 to $468,532. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

How big is 2540 120th St, Rock Rapids, IA?

2540 120th St, Rock Rapids, IA has 1 bathrooms, 1,734 square feet of living space and a 160.00-acre lot.

When was 2540 120th St, Rock Rapids, IA built?

2540 120th St, Rock Rapids, IA was built in 1915, making it 111 years old. It is a conventional home. The building has 2 stories.

What schools serve 2540 120th St, Rock Rapids, IA?

2540 120th St, Rock Rapids, IA is assigned to West Lyon Elementary School (elementary), rated B; West Lyon High School (high), rated B; West Lyon Junior High School (middle), rated B. All sit in West Lyon Community School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 2540 120th St, Rock Rapids, IA compare to other homes in Rock Rapids 51246?

Among the 1,469 homes in Rock Rapids 51246, it is worth more than 79% of them ($420,123 against a typical $242,985), its price per square foot is higher than 78% of them ($242 against a typical $162), it is bigger than 64% of them (1,734 ft² against a typical 1,545 ft²), its lot is bigger than almost all of them (160 ac against a typical 0.33 ac) and it is newer than 10% of them (1915 against a typical 1956). Measured against all of Lyon County, it is worth more than 77% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 2540 120th St, Rock Rapids, IA?

The 2024 property tax bill for 2540 120th St, Rock Rapids, IA was $5,676. The county assessed it at $521,320.

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Assigned schools

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