412 S Laura St, Payne, OH, 45880
About This Home
Are you ready for up to $20,000 in Welcome Home Funds toward the purchase of this home? This property qualifies for the Welcome Home Funds program, offering down payment and closing cost assistance for eligible buyers. This fully renovated 1-story home features 1,067 square feet of living space and a 1-car attached garage, all within a short walk to downtown. Inside, you will find an open-concept layout with spacious rooms and brand-new flooring throughout. The updated kitchen includes new cabinetry, Gordon Creek granite countertops, and new appliances. Major improvements include a complete HVAC system in 2024, a new breaker box, new water heater, a roof approximately five years old, and extensive updates such as new wiring, drywall, light fixtures, subflooring, and floor joists in most areas, making this home feel nearly brand new from the inside out. Step outside to a new front deck and out back for a large fenced-in backyard with a six-foot wooden privacy fence and mature shade trees, perfect for relaxing or entertaining. Additional features include a brand-new garage door and a recently installed sewer clean-out. Located in a quiet, walkable neighborhood, this move-in ready home combines small-town charm with modern efficiency and low-maintenance living, and it qualifies for up to $20,000 in Welcome Home Funds for qualified buyers.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 1947
Materials
- Foundation: Slab
- Roof: Metal
- Construction materials: Vinyl Siding
Type & Style
- Home type: SingleFamily
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Dishwasher,Microwave,Water Heater,Dryer,Electric Cooktop,Electric Oven,Refrigerator,Washer
- Laundry features: Main Level
Bedroom2
- Level: Main
Bedroom3
- Level: Main
Bedrooms & Bathrooms
- Bedrooms: 3
- Bathrooms: 1
- Full bathrooms: 1
Features
- Other
- Flooring: Vinyl,Other
- Common walls with other units/homes: No Common Walls
Heating & Cooling
- Heating features: Forced Air
- Cooling features: Central Air
Interior Area
- Total structure area: 1,067
- Total interior livable area: 1,067 sqft
Kitchen
- Level: Main
Living Room
- Level: Main
Other
- Level: Main
Property
Details
- Parcel number: 0425S00200
Features
- Levels: One
Lot
- Lot size: 8,712 sqft
- Lot size dimensions: 66X132
Parking
- Total spaces: 1
- Parking features: Attached Garage
- Has garage: Yes
- Attached garage spaces: 1
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
- Tornado
- Cold Wave
- Hail
- Inland Flooding
- Ice Storm
- Lightning
- Winter Weather
How This Home’s Risks Compare
FEMA Declared Disasters Across Ohio Counties
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $808 | $9,696 |
| Home Insurance * | $192 | $2,304 |
| Property Taxes | $119 | $1,428 |
| Electricity | $193 | $2,320 |
| Total | $1,312 | $15,744 |
Income You'd Need if You Spent...
Ohio FAIR Plan Programs
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2025-12-19 | Listed for sale | $159,900 |
| 2025-11-25 | Contingent | $159,900 |
| 2025-11-25 | Pending sale | $159,900 |
| 2025-10-22 | Listed for sale | $159,900 |
| 2025-05-02 | Sold | $148,000 |
| 2025-04-29 | Pending sale | $159,900 |
| 2025-02-19 | Contingent | $159,900 |
| 2025-02-11 | Listed for sale | $159,900 |
| 2024-11-04 | Sold | $30,000 |
| 2018-10-12 | Sold | $18,000 |
View on Zillow