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12577 Oakridge Ct, Council Bluffs, IA, 51503

6beds
3baths
4,292sqft
$699,000
$163price/sqft
$4,910/moest. monthly cost
$196,400/yrincome needed

About This Home

Tucked into a quiet Council Bluffs cul-de-sac on 2.5 wooded acres, this one-of-a-kind 6 bed, 3 bath tri-level home has been PRE-INSPECTED and offers 4,292 finished square feet just steps from the Wabash Trace Nature Trail and within the highly sought-after Lewis Central School District. Surrounded by mature timber and frequent visits from local wildlife, the setting feels private and peaceful while remaining close to everyday conveniences. Inside, vaulted ceilings, skylights, and an abundance of natural light create an open and inviting atmosphere. A double-sided gas fireplace connects the spacious living room and eat-in kitchen, which features granite countertops, double oven, gas range, and was updated less than 10 years ago. The oversized primary suite is truly impressive, offering the space of two bedrooms along with double sinks, a soaking tub, and a walk-in closet. The finished lower level includes two bedrooms and a large bonus room currently used as a home gym. With walkout access from every level, multiple decks, and more than 4,000 finished square feet, this home was designed to take full advantage of its beautiful wooded surroundings. Major updates include a new roof in June 2026, new HVAC, new carpet and hardwood flooring in 2024, and new windows, exterior doors, and decks in 2020. Distinctive architecture, generous living space, extensive updates, and an incredible location make this a property unlike anything else on the market. (HOA fee is $100/annually.)

Getting Around

0
WalkingCar-Dependent
0
TransitNo Nearby Transit
19
BikeSomewhat Bikeable

Schools

3/10
8/10

Construction

Condition

  • Year built: 1993

Materials

  • Roof: Composition
  • Construction materials: Frame

Type & Style

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

Interior

Basement

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

Bedrooms & Bathrooms

  • Bedrooms: 6
  • Bathrooms: 3

Features

  • Pantry,Eat-in Kitchen,Ceiling Fan(s),Cathedral Ceiling(s),Walk-In Closet(s)
  • Window features: Skylight(s)
  • Flooring: Wood,Tile
  • Fireplace features: Gas Log
  • Fireplace: Yes
  • Finished area below ground: 1,200
  • Finished area above ground: 3,092

Heating & Cooling

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

Interior Area

  • Total structure area: 4,292
  • Total interior livable area: 4,292 sqft

Property

Details

  • Parcel number: 7443 23 252 001

Features

  • Levels: Three Or More
  • Patio & porch: Deck,Porch

Lot

  • Lot size: 2.59 Acres
  • Features: Wooded,Cul-De-Sac
  • Lot size dimensions: 2.59 acres

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
  • Drought
    DroughtModerate
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Ice Storm
    Ice StormModerate
  • Lightning
    LightningModerate

How This Home’s Risks Compare

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

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 $3,534$42,408
Home Insurance *$514$6,168
Property Taxes $542$6,504
Electricity $320$3,841
Total$4,910$58,920
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$168,342/yr
40% on housing$147,300/yr
45% on housing$130,933/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

$163This 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
2026-08-03Price change$699,000
2026-07-29Listed for sale$724,500
2015-10-02Sold$300,000
2015-09-01Listed for sale$299,900
2014-09-23Listing removed$299,900
2014-07-17Listed for sale$299,900
2005-05-23Sold$349,900

For Sale by Agent

AgentJennie Davis (Felos)
BrokerageSquare Deal Real Estate

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