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312 Buena Vista Cir, Council Bluffs, IA, 51503

4beds
3baths
2,445sqft
$428,500
$175price/sqft
$3,249/moest. monthly cost
$129,960/yrincome needed

About This Home

Beautiful zero-entry ranch offering comfort, style, and accessibility! The main level features a custom eat-in kitchen with appliances included, a spacious living room with access to the deck, a wooded, fenced backyard with a sprinkler system. The primary suite offers a private bath and two double closets, plus two additional bedrooms, a full bath, and main-floor laundry. The finished lower level includes a huge family room, a non-conforming bedroom, a full bath, a large flex room ideal for an office, gym, or hobby space, and abundant storage. The heated oversized 2-car garage features professionally installed epoxy floors and zero-entry access. Recent updates include windows, roof, gutters, and siding. Conveniently located near schools, hospitals & shopping. Some photos Virtually staged

Getting Around

6
WalkingCar-Dependent
0
TransitNo Nearby Transit
4
BikeSomewhat Bikeable

Schools

7/10
5/10
2/10

Construction

Condition

  • Year built: 1998

Materials

  • Roof: Composition
  • Construction materials: Frame

Type & Style

  • Home type: SingleFamily
  • Architectural style: Ranch
  • Property subType: Single Family Residence

Interior

Appliances

  • Laundry features: Washer Hookup,Dryer Hookup,Electric Dryer Hookup

Basement

  • Has basement: Yes
  • Basement: Full,Finished,Other

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3

Features

  • Eat-in Kitchen,Ceiling Fan(s),Walk-In Closet(s),Other
  • Flooring: Wood
  • Finished area below ground: 1,200
  • Finished area above ground: 1,245

Heating & Cooling

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

Interior Area

  • Total structure area: 2,445
  • Total interior livable area: 2,445 sqft

Property

Details

  • Parcel number: 7544 24 227 004

Features

  • Levels: One
  • Patio & porch: Patio
  • Exterior features: Other
  • Fencing: Fenced

Lot

  • Features: Cul-De-Sac
  • Lot size dimensions: 65x135x65x134

Parking

  • Parking features: Off Street,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

  • 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 $2,166$25,992
Home Insurance *$315$3,780
Property Taxes $586$7,032
Electricity $182$2,188
Total$3,249$38,988
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$111,394/yr
40% on housing$97,470/yr
45% on housing$86,640/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

$175This 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
2026-08-06Price change$425,000
2026-08-01Price change$428,500
2026-07-23Price change$435,000
2026-07-10Listed for sale$439,000
2010-11-23Sold$163,000
2010-10-08Listed for sale$169,900

For Sale by Agent

AgentHaifa M Drummey
BrokerageHeartland Properties

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