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815 N 16th St, Cambridge, OH, 43725

3beds
2baths
1,652sqft
$232,000
$140price/sqft
$1,724/moest. monthly cost
$68,960/yrincome needed

About This Home

New listing alert! Some homes just have a feeling the moment you walk through the door, and 815 N 16th Street is one of them. This beautiful 3-bedroom, 1.5-bath home is full of charm, character, and the kind of craftsmanship that's hard to find today. The original hardwood floors steal the show, bringing warmth and timeless beauty throughout the home. Sunlight pours through the windows, filling every room with natural light and creating a bright, welcoming atmosphere. The custom kitchen offers plenty of space to cook, gather, and make memories, while the rest of the home blends comfort and character in all the right ways. Whether you're enjoying a quiet morning coffee on the front porch or hosting friends and family on the back deck, there are so many spaces to enjoy both inside and out. Outside, you'll find a nice yard, a garage, and room to relax or entertain. The location couldn't be more convenient, just minutes from the YMCA, Cambridge City Park, the community pool, downtown Cambridge, local restaurants, shopping, boutiques, and all the activities the area has to offer. If you've been looking for a home with original character, beautiful hardwood floors, tons of natural light, and a welcoming feel from the moment you step inside, you'll want to see this one for yourself. Schedule your private showing today!

Getting Around

48
WalkingCar-Dependent
0
TransitVery Limited Transit
26
BikeSomewhat Bikeable

Schools

--
Cambridge Primary SchoolGrades K-20.3 mi
6/10
Cambridge Middle SchoolGrades 6-81.2 mi
3/10
Cambridge High SchoolGrades 9-121.3 mi

Construction

Condition

  • Property condition: Unknown

Materials

  • Roof: Metal,Shingle
  • Construction materials: Wood Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: Cape Cod
  • Property subType: Single Family Residence

Interior

Basement

  • Has basement: Yes
  • Basement: Concrete

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 1
  • 1/2 bathrooms: 1

Features

  • Number of fireplaces: 1
  • Fireplace: Yes
  • Finished area above ground: 1,652

Heating & Cooling

  • Heating features: Gas
  • Cooling features: Central Air

Interior Area

  • Total structure area: 1,652
  • Total interior livable area: 1,652 sqft

Property

Details

  • Parcel number: 060001663.000

Features

  • Levels: Two
  • Stories: 2

Lot

  • Lot size: 7,501 sqft

Parking

  • Total spaces: 1
  • Parking features: Garage,On Street
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered 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

  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Lightning
Strong Wind
Winter Weather

FEMA Declared Disasters Across Ohio Counties

Flood

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 $1,173$14,076
Home Insurance *$190$2,280
Property Taxes $168$2,016
Electricity $193$2,320
Total$1,724$20,688
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$59,108/yr
40% on housing$51,720/yr
45% on housing$45,973/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: 7.3%
7.3%
0%30.0%
Electricity Growth Rate10-year average: 5.9%
5.9%
0%15.0%
Property Taxes Growth Rate2-year average: -1.0%
-1.0%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$140This listing

vs Other Active Listings

Avg $/sqft

ZIP 43725$150
Guernsey County$130

vs Homes Sold Last Month

Median $/sqft

ZIP 43725$98
Guernsey County$126

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
2026-06-02Listed for sale$232,000
1992-05-19Sold$38,000

For Sale by Agent

AgentAmy Poland
BrokerageTown & Country

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