$220,000
20492 Ponderosa Lane, Flemington, MO 65650
- Bedrooms
- 2
- Bathrooms
- 2
- Square feet
- 1,550
- Lot
- 0.22 ac
Text us from your phone
Scan with your phone's camera. It opens a text to our team with this home's link already filled in.
Watch this home
We'll email you if the price changes, it goes under contract, it comes back on the market, or there's an open house.
Get a fair-offer range
A local agent will look at this home next to recent sales nearby and send you a suggested offer range. Free, no obligation.
Get the seller's disclosure
A local agent will email you the seller's disclosure and any HOA documents on file, usually within one business day.
- Built 1964
- 2-car garage
- Main-level primary
- No HOA
- Wheatland schools
Ask about this home
Ask about this home, the neighborhood, or how buying works. Instant answers from our AI, with a local Realtor when you want one.
About this home
This isn't just a place near the water... it's the kind of place that makes you slow down without even trying.Minutes from Pomme de Terre Lake, this remodeled home hits that rare sweet spot--clean, updated, and actually comfortable to live in, not just look at.Step inside and the living room opens up with higher ceilings that give it that airy, breathe-easy feel. Natural light spills in, and suddenly your 'quick stop by the house' turns into staying awhile.The master suite? That's your reset button.We're talking a true walk-in shower that feels more spa than standard--tile, space, and no squeezing into a corner.Outside, you've got the space you need with a 2-car garage--room for the lake toys, tools, or just keeping life uncluttered.And the location... close enough to the lake that spontaneous boat days become your new normal 🚤No projects. No headaches.Just pull in, drop your bags, and start living the lake life the way it's supposed to feel.
Facts and features
Interior
- Levels
- One
- Basement
- None
- Fireplace
- No
- Flooring
- Luxury Vinyl
- Appliances
- Dishwasher, Free-Standing Electric Oven
- Laundry
- Main Floor
- Features
- Internet - Satellite
Exterior and lot
- Garage
- 2 spaces
- Parking
- Driveway, Garage Faces Side
- Lot
- 0.22 acres
- Lot features
- Corner Lot, Cleared
- Roof
- Composition
- Construction
- Block, Vinyl Siding, Concrete
- Patio / porch
- Rear Porch
Utilities
- Sewer
- Septic Tank
- Water
- Community Well
- Heating
- Central
- Cooling
- Central Air
Cost and details
- Taxes
- $521/yr (2023)
- HOA / COA dues
- None
- Financing the seller will consider
- Cash, VA, USDA/RD, FHA, Conventional
- Year built
- 1964
- Type
- Single Family Residence
- Style
- Ranch
- Subdivision
- Ponderosa
- County
- Hickory
Good to know
-
Internet
- Fixed wireless up to 25 Mbps: T-Mobile
No fiber or cable is mapped in this area. Starlink is a popular option in rural Missouri.
What providers report for this area. Ask them about this exact address.
-
USDA loan
Appears to be in a USDA-eligible area, so 0% down may be possible. Income limits apply.
-
City limits
Outside city limits (unincorporated Hickory County).
-
Water and sewer
Water: Community Well · Sewer: Septic Tank
-
Assigned schools
Wheatland schools
- Wheatland
- Wheatland
- Wheatland
Look up state report cards (Missouri DESE, opens in a new tab)
On the state site, pick the Wheatland district, then the school. Assignments can change, so confirm with the district.
Internet comes from the FCC National Broadband Map (data as of December 2025). Flood zone, USDA and city limits come from public FEMA, USDA and Census maps for this home’s map location; water, sewer and schools come from the MLS listing. Map lines can be off near a boundary, so confirm with your lender, a flood certificate or the city before you buy.
Estimated payment
—/mo
- Principal and interest
- —
- Property tax
- —
- Homeowners insurance (est.)
- —
- Mortgage insurance (PMI)
- —
Loan amount —. Rate: Freddie Mac weekly national average for this loan term, week of Oct 29, 2026. Tax: from the MLS listing. Insurance: estimated at 0.75% of the price per year. See loan programs in Springfield
Get exact numbers
Adam Swenka at Flat Branch Home Loans, a local lender we work with, can send you real numbers for this home: rate, monthly payment and cash to close.
Estimate only. Not a loan offer, rate quote or commitment to lend. This calculator is for general information and illustration. Your actual rate, payment, mortgage insurance, fees and loan eligibility depend on your credit, income, down payment, loan program and lender, and are determined only by a licensed mortgage lender. The rate shown is Freddie Mac's Primary Mortgage Market Survey national weekly average and may not be available to you. Property taxes are based on the current owner's assessment and may change after a sale; insurance is a rough estimate, and actual premiums vary by home, coverage and insurer. Albers Real Estate Group is a real estate brokerage, not a mortgage lender. Talk to a licensed lender for a personalized quote.
Location
Neighborhood
Ponderosa
How far is it?
- Downtown Springfield (Park Central Square) 42 mi
- Springfield-Branson National Airport 39 mi
Straight-line miles. Driving distance is longer.
Guides for this home
Quick answers
What school district is 20492 Ponderosa Lane in?
20492 Ponderosa Lane is in the Wheatland school district, according to the MLS listing. The assigned high school is Wheatland.
Is it on city sewer?
No, it has a septic system. The MLS lists the sewer as: Septic Tank.
Is there an HOA?
No. The listing shows no homeowners association.
What kind of loan can I use on this home?
The seller will consider Cash, VA, USDA/RD, FHA and Conventional offers, according to the MLS listing. Whether a specific loan works also depends on your lender and the appraisal.
How long has it been on the market?
It has been listed for 137 days.
What internet is available at 20492 Ponderosa Lane?
The FCC National Broadband Map shows these for the area: Fixed wireless up to 25 Mbps: T-Mobile. No fiber or cable is mapped in this area. Starlink is a popular option in rural Missouri. Check with providers for this exact address.
Is 20492 Ponderosa Lane eligible for a USDA loan?
It appears to be in a USDA-eligible area on USDA's eligibility map, so a 0%-down USDA loan may be possible. Income limits apply, and the lender makes the final call.
Is it inside city limits?
No. The MLS lists 20492 Ponderosa Lane as outside city limits.
Similar homes nearby
$249,9003 bd · 2 ba · 1,620 sq ft · 1.04 ac3231 S 127th Road, Flemington, MO 65650
Listing courtesy of Stellar Real Estate Co.Active
$225,0003 bd · 2 ba · 1,080 sq ft27061 County Road 209, Flemington, MO 65650Listing courtesy of Pitts RealtyActive
$199,9003 bd · 2 ba · 1,590 sq ft1133 E 318th Road, Flemington, MO 65650Listing courtesy of AMAX Real EstateActive
Listing courtesy of Akins Realty · (417) 993-5622
Listing data last updated November 3, 2026 at 4:01 pm CST. Source: Southern Missouri Regional MLS (SOMO). MLS #60326858.
The data relating to real estate for sale on this web page comes in part from the Internet Data Exchange (IDX) of the Southern Missouri Regional MLS. Real estate listings held by brokerage firms other than Albers Real Estate Group are marked with the IDX logo and detailed information about them includes the name of the listing brokers. The information being provided is for consumers' personal, noncommercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. The information being provided is not guaranteed, and all information should be verified by the consumer. Any representation that a web site contains all listings shall only mean that the web site contains all listings available to the public through the IDX data feed. There may be other properties offered through a REALTOR® that have not been displayed on this site. © 2026 Southern Missouri Regional MLS. All rights reserved.