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For sale
    • Price cut: $100K (7/10)
    $1,290,000

    20560 232nd Ave, Milford, IA 51351

    4beds
    4,106sqft
    : 
    $8,936/mo
    Get pre-qualified
    Single Family Residence
    Built in 1965
    0.61 Acres Lot
    $-- Zestimate®
    $314/sqft
    $-- HOA

    What's special

    Cozy fireplaceBeautiful mature oak treesBeautiful hardwood floorsLush landscapeOversized three car garageRecent large lakeside additionHuge shaded lot
    Take another look! Now vacant, easy to see, and a huge price adjustment. Nestled on a quiet dead end street, this private retreat boasts over 115 feet of lakefront with lush landscape and beautiful mature oak trees. A gentle walkout lot to the lake, this might be the perfect spot you've been searching for. With a sprawling 4100 square feet on only two levels there is plenty of space for everyone to spread out. This home features 4 bedrooms and 4 full baths, an eat-in kitchen surrounded with windows, formal dining with wet bar, and several different living areas. The recent large lakeside addition showcases beautiful hardwood floors, a cozy fireplace, and sliding glass doors leading to the deck. The positioning of this home allows for abundant lake views out each window and sits across from DNR land so all you see is natural beauty and daily wildlife. A quick and easy boat ride to dining and entertainment on East and West Lake Okoboji makes this location perfect if you want to go out, or just enjoy a quiet sunset at home without all the action. Sunday afternoons can be spent watching the "boat parade" of boaters cruising by the house while you enjoy a picnic on the huge shaded lot. As a bonus the piano in the sun drenched four season room stays for your entertainment enjoyment! Storage? An oversized three car garage provides ample room for your vehicles and toys year round. Don't let this one slip away without taking a look for your generations to come.
    147 days
    |
    884
    |
    27
    |

    Zillow last checked:

    Listing updated:

    Listed by:

    Suzanne Kern 970-470-9415,

    Real Estate Unlimited

    Source: Iowa Great Lakes BOR,MLS#: 260066MLS Logo

      Facts & features

      Interior

      Bedrooms & bathrooms
      • Bedrooms: 4
      • Bathrooms: 4
      • Full bathrooms: 4
      Bathroom
      • Features: Full Basement, Full Master, Grab Bars, Main Floor 3/4 Bath, Main Floor Full Bath, Whirlpool
      Dining room
      • Features: Breakfast Nook, Eat-in, Formal, Open Floorplan
      Heating
      • Forced Air
      Cooling
      • Central Air
      Appliances
      • Included: Dishwasher, Disposal, Dryer, Exhaust Fan, Freezer, Microwave, Refrigerator, Water Filtration Sys, Electric Water Heater, Water Softener Owned
      • Laundry: Main Level
      Features
      • Ceiling Fan(s), Drinking Water System, Eat-in Kitchen, Kitchen Island, Main Floor Bedrooms, Natural Woodwork, Vaulted Ceiling(s), Walk-In Closet(s), Wet Bar
      • Flooring: Hardwood, Tile
      • Windows: Skylight(s), Window Coverings, Skylights
      • Basement: Daylight,Egress Windows,Finished-Partial,Sump Pump,Walk-Out Access,Block,Concrete,Crawl Space,Full
      • Attic: Walk-up
      • Has fireplace: Yes
      • Fireplace features: Gas
      • Common walls with other units/homes: No Common Walls
      Interior area
      • Total structure area: 4,106
      • Total interior livable area: 4,106 sqft
      • Finished area above ground: 2,698
      • Finished area below ground: 1,408

      Property

      Parking
      • Total spaces: 3
      • Parking features: Concrete, Attached, Garage Door Opener
      • Attached garage spaces: 3
      • Has uncovered spaces: Yes
      Accessibility
      • Accessibility features: Grab Bars in Bathroom
      Features
      • Levels: Two
      • Stories: 2
      • Patio & porch: Deck, Patio, Porch
      • Exterior features: Balcony, Dock, In-Grnd Sprklr Sys
      • Has spa: Yes
      • Spa features: Bath
      • On waterfront: Yes
      • Waterfront features: Waterfront, Lake
      • Body of water: Lower Gar Lake
      Lot
      • Size: 0.61 Acres
      • Features: Accessible Shoreline, Low Bank, Paved, Wooded, Waterfront-Deep
      Details
      • Additional parcels included: 0732327009
      • Parcel number: 0732327027
      • Other equipment: Fuel Tank-Rented, Sump Pump, Irrigation Equipment

      Construction

      Type & style
      • Home type: SingleFamily
      • Architectural style: Ranch
      • Property subtype: Single Family Residence
      • Attached to another structure: Yes
      Materials
      • Vinyl Siding, Concrete
      • Roof: Asphalt
      Condition
      • Updated/Remodeled
      • New construction: No
      • Year built: 1965

      Utilities & green energy

      • Electric: Circuit Breakers
      • Sewer: Public Sewer
      • Water: Public
      • Utilities for property: Underground Utilities, Electricity Connected, Cable Connected
      Green energy
      • Water conservation: Natural water/drainage

      Community & HOA

      Community
      • Security: Smoke Detector(s)
      • Subdivision: IA
      Location
      • Region: Milford

      Financial & listing details

      • Price per square foot: $314/sqft
      • Tax assessed value: $423,000
      • Annual tax amount: $9,140
      • Date on market: 2/27/2026
      • Listing terms: Assumable,Cash
      • Electric utility on property: Yes

        Estimated market value

        Not available

        Estimated sales range

        Not available

        Not available

        Price history

        DateEventPrice
        7/10/2026Price change$1,290,000-7.2%$314/sqft
        Source: Iowa Great Lakes BOR #260066 Report a problem
        5/29/2026Price change$1,390,000-3.3%$339/sqft
        Source: Iowa Great Lakes BOR #260066 Report a problem
        2/27/2026Listed for sale$1,437,500$350/sqft
        Source: Iowa Great Lakes BOR #260066 Report a problem

        Public tax history

        YearProperty taxesTax assessment
        2019$4,656 +9.9%$423,000 +9%
        2018$4,236 -5.5%$388,200
        2017$4,482 +8.3%$388,200 +4.5%
        2016$4,138 +4.2%$371,600
        2015$3,972 +9.9%$371,600 +11%
        2014$3,614 +4.8%$334,800
        2013$3,450 +29.8%$334,800
        2007$2,658 -0.2%--
        2005$2,664 --
        Find assessor info on the county website

        Monthly payment

        Est. payment

        Payment breakdown

        Explore the cost of this home by adjusting the details. Changes won't be saved.
        All calculations are estimates and provided by Zillow, Inc. for informational purposes only. Actual amounts may vary.
        HOA fees may include property taxes on listings classified as Co-Ops. Contact the listing agent and/or owner for fee details.
        Mortgage interest rates are dependent on a number of factors, including credit score, down payment, and repayment length. Interest rate data provided by Zillow Group Marketplace, Inc. as of 1/1/1970 from various mortgage lenders with which we have lead or other similar arrangements; the Estimated Payment is an average of those rates.
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        Climate risks

        Neighborhood: 51351

        Getting around

        3 / 100
        Car-Dependent
        35 / 100
        Somewhat Bikeable

        Nearby schools

        GreatSchools rating
        Schools provided by the listing agent
        • District: Okoboji

        Source: Iowa Great Lakes BOR. This data may not be complete. We recommend contacting the local school district to confirm school assignments for this home.

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