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1896 Hemlock St, Council Bluffs, IA, 51503

6beds
4baths
3,579sqft
$615,382
$172price/sqft
$3,869/moest. monthly cost
$154,760/yrincome needed

About This Home

Pine Crest Model Home Not For Sale This gorgeous 2 story is ready for you to view and to start imagining your own home! Open Thursday-Sunday 12-4

Getting Around

1
WalkingCar-Dependent
0
TransitNo Nearby Transit
12
BikeSomewhat Bikeable

Schools

6/10
9/10

Construction

Condition

  • New construction: Yes
  • Year built: 2024

Materials

  • Roof: Composition
  • Construction materials: Frame

Other

  • Builder name: Pine Crest Homes

Type & Style

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

Interior

Basement

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

Bedrooms & Bathrooms

  • Bedrooms: 6
  • Bathrooms: 4

Features

  • Pantry,Wet Bar,Ceiling Fan(s),Walk-In Closet(s)
  • Fireplace: Yes
  • Finished area below ground: 1,011
  • Finished area above ground: 2,568

Heating & Cooling

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

Interior Area

  • Total structure area: 3,579
  • Total interior livable area: 3,579 sqft

Property

Details

  • Parcel number: 7443 05 227 054

Features

  • Levels: Two
  • Patio & porch: Patio,Deck,Porch

Lot

  • Lot size: 9,000 sqft
  • Features: Wooded
  • Lot size dimensions: 75x120

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
  • Cold Wave
    Cold WaveRelatively High
  • Hail
    HailRelatively High
  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Ice Storm
    Ice StormModerate

How This Home’s Risks Compare

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

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 $3,111$37,332
Home Insurance *$453$5,436
Property Taxes $39$468
Electricity $266$3,203
Total$3,869$46,428
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$132,651/yr
40% on housing$116,070/yr
45% on housing$103,173/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: 12.5%
12.5%
0%30.0%
Electricity Growth Rate10-year average: 1.9%
1.9%
0%15.0%
Property Taxes Growth Rate2-year average: 0.5%
0.5%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$172This listing

vs Other Active Listings

Avg $/sqft

ZIP 51503$149
Pottawattamie County$141

vs Homes Sold Last Month

Median $/sqft

ZIP 51503$158
Pottawattamie County$154

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
2024-10-30Listed for sale$615,382

New Construction

AgentRobin Philips
BrokerageNP Dodge Real Estate - Council Bluffs

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