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105 N Miami Ave, Bradford, OH, 45308

4beds
3baths
2,018sqft
$240,000
$119price/sqft
$1,826/moest. monthly cost
$73,040/yrincome needed

About This Home

Step into a true hometown treasure— this nostalgic two-family dwelling has long been a pillar of the community and a place where memories were made. From its inviting front porch and classic steps— perfect for watching the beloved Pumpkin Show parades— to the stories of generations of children stopping by for popcorn balls on Halloween, this is a home that has always welcomed neighbors and friends alike. The main residence is filled with warmth and character, showcasing original woodwork throughout and a spacious parlor ideal for living and dining. A large kitchen anchors the home, complemented by a full bath on the main level and a dedicated laundry room for everyday convenience. Upstairs, you’ll find three comfortable bedrooms, a full bath, and a charming sunroom— an ideal retreat for morning coffee or quiet afternoons. A generous attic provides ample storage space. The secondary dwelling offers exceptional flexibility and value. Completely remodeled in 2024-2025, this efficient one bedroom apartment is perfect for an in-law suite, guest space, or rental income opportunity. Outside, enjoy a fenced yard ideal for gatherings or pets, along with a large storage shed for added functionality. Major updates include a furnace replacement in 2019, various interior updates in 2020, a metal roof and gutters with gutter guards in 2023, heating and plumbing repairs completed in 2024— providing peace of mind while preserving the home’s timeless charm. Rarely does a property come along that so beautifully blends history, heart, and opportunity. This is more than a home— it’s a legacy waiting for its next chapter.

Getting Around

41
WalkingCar-Dependent
0
TransitVery Limited Transit
48
BikeSomewhat Bikeable

Schools

6/10
6/10
Bradford High SchoolGrades 6-120.7 mi

Construction

Condition

  • Year built: 1910

Materials

  • Construction materials: Brick

Type & Style

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

Interior

Appliances

  • Appliances included: Gas Water Heater

Basement

  • Has basement: Yes
  • Basement: Crawl Space,Partial,Unfinished

Bedroom

  • Level: Second
  • Dimensions: 13 x 20

Bedroom

  • Level: Second
  • Dimensions: 13 x 20

Bedroom

  • Level: Second
  • Dimensions: 14 x 20

Bedroom

  • Level: Main
  • Dimensions: 10 x 14

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 3
  • Main level bathrooms: 2

Entry Foyer

  • Level: Main
  • Dimensions: 12 x 16

Features

  • Number of fireplaces: 1
  • Fireplace features: One,Wood Burning
  • Fireplace: Yes

Florida Room

  • Level: Second
  • Dimensions: 10 x 20

Heating & Cooling

  • Heating features: Baseboard,Radiant
  • Cooling features: None

Interior Area

  • Total structure area: 2,018
  • Total interior livable area: 2,018 sqft

Kitchen

  • Level: Main
  • Dimensions: 16 x 20

Kitchen

  • Level: Main
  • Dimensions: 10 x 14

Laundry

  • Level: Main
  • Dimensions: 10 x 20

Living Room

  • Level: Main
  • Dimensions: 30 x 20

Living Room

  • Level: Main
  • Dimensions: 12 x 14

Property

Details

  • Parcel number: A04240921010310500
  • Zoning: Residential
  • Zoning description: Residential

Features

  • Levels: Two
  • Stories: 2
  • Patio & porch: Porch
  • Exterior features: Fence,Porch,Storage

Lot

  • Lot size: 8,624 sqft
  • Lot size dimensions: 69 x 125

Parking

  • Parking features: No Garage

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

  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Cold Wave
    Cold WaveModerate
  • Hail
    HailModerate
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Strong Wind
Tornado
Cold Wave
Hail
Inland Flooding
Lightning
Winter Weather

FEMA Declared Disasters Across Ohio Counties

Flood
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 $1,213$14,556
Home Insurance *$225$2,700
Property Taxes $172$2,064
Electricity $216$2,597
Total$1,826$21,912
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$62,605/yr
40% on housing$54,780/yr
45% on housing$48,693/yr

Ohio FAIR Plan Programs

Ohio FAIR Plan Underwriting Association

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 13,942Commercial: 466
Total Premiums$18.03M
Total Exposure$5.92B

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: 13.1%
13.1%
0%30.0%
Electricity Growth Rate10-year average: 5.9%
5.9%
0%15.0%
Property Taxes Growth Rate2-year average: -2.3%
-2.3%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$119This listing

vs Other Active Listings

Avg $/sqft

ZIP 45308$196
Darke County$121

vs Homes Sold Last Month

Median $/sqft

ZIP 45308$97
Darke County$122

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
2026-04-27Price change$274,900
2026-03-10Price change$324,900
2026-01-15Listed for sale$349,900

For Sale by Agent

AgentTara Miller
BrokerageeXp Realty

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