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12104 S 109th St, Papillion, NE, 68046

5beds
3baths
3,028sqft
$590,168
$195price/sqft
$4,603/moest. monthly cost
$184,120/yrincome needed

About This Home

The Santa Clara is one of the most spacious and diversefloorplans The Home Company offers. The three-car garage leads into the large living and kitchen areas on the main flooras well as a guest room/office space and hidden pantry. You can choose from two second floor elevations each with four bedrooms and multiple owner suite closet and sitting room variations. The primary suite of this home features a spacious sitting room This home sits on a flat lot and lower level has "energy package" finish. Under construction- photos are of similar home.

Getting Around

0
WalkingCar-Dependent
0
TransitNo Nearby Transit
15
BikeSomewhat Bikeable

Schools

6/10
ASHBURY ELEMENTARY SCHOOLGrades PK-61.1 mi
7/10
Liberty Middle SchoolGrades 7-81.6 mi

Construction

Condition

  • Property condition: Under Construction
  • New construction: Yes
  • Year built: 2026

Materials

  • Foundation: Concrete Perimeter
  • Roof: Composition
  • Construction materials: Stone,Masonite

Other

  • Builder name: The Home Company

Type & Style

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

Interior

Appliances

  • Appliances included: Range,Dishwasher,Disposal,Microwave
  • Laundry features: Vinyl Floor

Basement

  • Area: 1469

Basement

  • Has basement: Yes
  • Basement: Egress,Walk-Out Access,Full

Bedroom2

  • Features: Wall/Wall Carpeting, Walk-In Closet(s)
  • Level: Second
  • Area: 132

Bedroom3

  • Features: Wall/Wall Carpeting, Walk-In Closet(s)
  • Level: Second
  • Area: 154

Bedroom4

  • Features: Wall/Wall Carpeting, Walk-In Closet(s)
  • Level: Second
  • Area: 176

Bedroom5

  • Features: Wall/Wall Carpeting, 9'+ Ceiling
  • Level: Main
  • Area: 126

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 3
  • Full bathrooms: 2
  • 1/2 bathrooms: 1
  • Main level bathrooms: 1

Features

  • High Ceilings,Ceiling Fan(s),Pantry
  • Door features: Sliding Doors
  • Flooring: Carpet,Vinyl
  • Number of fireplaces: 1
  • Fireplace features: Direct-Vent Gas Fire
  • Fireplace: Yes
  • Finished area below ground: 0
  • Finished area above ground: 3,028

Great Room

  • Features: Wall/Wall Carpeting, Fireplace, 9'+ Ceiling

Heating & Cooling

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

Interior Area

  • Total structure area: 3,028
  • Total interior livable area: 3,028 sqft

Kitchen

  • Features: Wood Floor, 9'+ Ceiling, Dining Area, Pantry
  • Level: Main
  • Area: 345.96

Master Bathroom

  • Features: Full, Shower, Double Sinks

Master Bedroom

  • Features: Wall/Wall Carpeting, 9'+ Ceiling, Walk-In Closet(s)
  • Level: Second
  • Area: 256

Property

Details

  • Parcel number: 011607525

Features

  • Levels: Two
  • Patio & porch: Porch,Patio
  • Exterior features: Sprinkler System
  • Fencing: None

Lot

  • Lot size: 9,975 sqft
  • Features: Up to 1/4 Acre.,Subdivided,Public Sidewalk
  • Lot size dimensions: 77 x 130

Parking

  • Total spaces: 3
  • Parking features: Garage - Attached
  • Has garage: Yes
  • Attached garage spaces: 3
  • Covered spaces: 3

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
  • Hail
    HailRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Cold Wave
    Cold WaveModerate
  • Heat Wave
    Heat WaveModerate
  • Ice Storm
    Ice StormModerate
  • Lightning
    LightningModerate

How This Home’s Risks Compare

Tornado
Hail
Strong Wind
Winter Weather
Cold Wave
Heat Wave
Ice Storm
Lightning

FEMA Declared Disasters Across Nebraska Counties

Flood
Severe Storm
Straight Line Winds
Tornado
Winter 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 $2,984$35,808
Home Insurance $407$4,884
Property Taxes $1,026$12,312
Electricity $186$2,243
Total$4,603$55,236

Income You'd Need if You Spent...

35% on housing$157,817/yr
40% on housing$138,090/yr
45% on housing$122,746/yr

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: 10.7%
10.7%
0%30.0%
Electricity Growth Rate10-year average: 1.9%
1.9%
0%15.0%
Property Taxes Growth Rate2-year average: 2.9%
2.9%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$195This listing

vs Other Active Listings

Avg $/sqft

ZIP 68046$189
Sarpy County$186

vs Homes Sold Last Month

Median $/sqft

ZIP 68046$180
Sarpy County$168

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
2026-04-21Listed for sale$590,168

New Construction

AgentDoyle Ollis
BrokerageNebraska Realty

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