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20505 Gobbler Rdg, Pacific Junction, IA, 51561

4beds
4baths
3,148sqft
$649,900
$206price/sqft
$4,780/moest. monthly cost
$191,200/yrincome needed

About This Home

Just 25 minutes from Omaha, this 7.5-acre wooded retreat offers scenic Loess Hills views and easy access to Pony Creek Lake. ATV trails wind through the timber, while oversized windows, a spacious deck, and walkout patio overlook the surrounding wildlife. The open-concept main level features a kitchen, living area with a wood-burning fireplace, formal dining, flex room, and main-floor laundry. Upstairs offers four bedrooms and two baths, including a primary suite with a walk-in closet and jetted tub. Walkout basement with family room, wood-burning stove, flex room, and full bath. Four parcels, garage with engine hoist, chicken coop, potential to add an outbuilding. Pre-inspected. No flood insurance required.

Getting Around

2
WalkingCar-Dependent
0
TransitVery Limited Transit
1
BikeSomewhat Bikeable

Schools

--
8/10
Glenwood Middle SchoolGrades 6-83.5 mi
6/10

Construction

Condition

  • Year built: 2001

Materials

  • Roof: Composition
  • Construction materials: Frame

Type & Style

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

Interior

Basement

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

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 4

Features

  • Eat-in Kitchen,Ceiling Fan(s),Walk-In Closet(s)
  • Flooring: Wood,Tile
  • Fireplace features: Wood Burning Stove,Basement
  • Fireplace: Yes
  • Finished area below ground: 1,000
  • Finished area above ground: 2,148

Heating & Cooling

  • Heating features: Propane
  • Cooling features: Central Air,Electric

Interior Area

  • Total structure area: 3,148
  • Total interior livable area: 3,148 sqft

Property

Details

  • Parcel number: 031640010000000
  • Zoning: R - Residential

Features

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

Lot

  • Lot size: 7.51 Acres
  • Lot size dimensions: 7.51

Parking

  • Parking features: Garage Door Opener
  • 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

  • Hail
    HailRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Cold Wave
    Cold WaveModerate
  • Drought
    DroughtModerate
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Ice Storm
    Ice StormModerate
  • Landslide
    LandslideModerate

How This Home’s Risks Compare

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

FEMA Declared Disasters Across Iowa Counties

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 $3,286$39,432
Home Insurance *$646$7,752
Property Taxes $614$7,368
Electricity $234$2,817
Total$4,780$57,360
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$163,885/yr
40% on housing$143,400/yr
45% on housing$127,466/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: 11.5%
11.5%
0%30.0%
Electricity Growth Rate10-year average: 1.9%
1.9%
0%15.0%
Property Taxes Growth Rate2-year average: 1.7%
1.7%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$206This listing

vs Other Active Listings

Avg $/sqft

ZIP 51561$102
Mills County$221

vs Homes Sold Last Month

Median $/sqft

ZIP 51561$159
Mills County$175

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)

No zestimate history available

Price History

DateEventPrice
2026-08-01Price change$649,900
2026-07-17Price change$670,000
2026-07-02Listed for sale$675,000
2026-07-02Pending sale$675,000
2026-06-25Listed for sale$675,000
2018-09-07Sold$490,000
2018-07-19Pending sale$490,000
2018-07-10Listed for sale$490,000
2014-09-12Listing removed$330,000
2014-04-25Listed for sale$330,000

For Sale by Agent

AgentMaggie Anne Kalin
BrokerageBetter Homes and Gardens Real Estate The Good Life Group

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