See other homes in:
Primary listing photo
Listing photo 2
Listing photo 3
Listing photo 4
Listing photo 5

309 Ridgeway Dr, Howard, OH, 43028

4beds
3baths
3,115sqft
$560,000
$180price/sqft
$3,844/moest. monthly cost
$153,760/yrincome needed

About This Home

Beautifully maintained Apple Valley home built in 2000 by Schlabach Builders of Millersburg, a respected regional builder with long-standing ties to Knox County and Apple Valley. Set on nearly half an acre, this property is located just the second lot from Davis Beach, offering easy beach access, partial lake views from select areas of the home, and a private wooded backdrop. This lovely and well-cared-for home offers neutral paint throughout, approximately 3,100+ finished square feet, 4 bedrooms, 3 full baths, and a 2-car garage. The main level features 3 bedrooms and 2 full baths, including an owner’s suite with a private full bath and double closets. Two additional main-level bedrooms provide comfortable space for guests, family, or a home office, with the convenience of main-level laundry nearby. The living room is open to the kitchen and features hardwood flooring, a gas fireplace, and 6-panel oak doors through much of the home. The kitchen offers plenty of cabinetry, solid surface countertops, stainless major appliances that stay, an island with seating, and an eat-in area. A dining area off the kitchen leads to the 3-season room, where you can enjoy pretty seasonal views of the lake. From there, step out to the large composite deck with a gas line for the Weber grill. The walkout lower level adds excellent living space with a family room featuring a Vermont Castings wood stove, a 4th bedroom with egress window, full bath, office or flex area, and a large storage room. The lower level walks out to a concrete patio and backyard with open space, woods, and yard barn. Additional noteworthy features include HVAC installed new in 2022, whole-house vacuum, water softener, and a 14x10 backyard shed. A great combination of location, condition, space, privacy, and Apple Valley lifestyle, just steps from Davis Beach.

Getting Around

2
WalkingCar-Dependent
0
TransitVery Limited Transit
0
BikeNot Bike Friendly

Schools

7/10
East Knox Middle SchoolGrades K-62.2 mi
6/10
East Knox High SchoolGrades 7-122.3 mi

Construction

Condition

  • Year built: 2000

Materials

  • Roof: Shingle
  • Construction materials: Frame,Vinyl Siding,Other

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Disposal,Hot Water Tank-Owned,Microwave,Range Oven,Refrigerator,Washer
  • Laundry features: Main Level

Basement

  • Has basement: Yes
  • Basement: Full,Walk-Out Access,Partially Finished

Bathroom1

  • Features: Full
  • Level: First

Bathroom2

  • Features: Full
  • Level: First

Bathroom3

  • Features: Full
  • Level: Lower

Bedroom1

  • Level: First

Bedroom2

  • Level: First

Bedroom3

  • Level: First

Bedroom4

  • Level: Lower

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 3

Dining Room

  • Level: First

Family Room

  • Level: Lower

Features

  • Central Vacuum
  • Flooring: Vinyl,Carpet,Wood
  • Number of fireplaces: 2
  • Fireplace features: Two,Family Room,Living Room,Wood Burning Stove
  • Fireplace: Yes
  • Finished area above ground: 1,720

Heating & Cooling

  • Heating features: Forced Air,Natural Gas,Fireplace(s)
  • Cooling features: Central Air

Interior Area

  • Total structure area: 3,115
  • Total interior livable area: 3,115 sqft

Kitchen

  • Level: First

Living Room

  • Level: First

Property

Details

  • Parcel number: 2500015.000

Features

  • Patio & porch: Deck
  • Has view: Yes
  • View description: Lake
  • Has water view: Yes
  • Water view: Lake

Lot

  • Lot size: 0.47 Acres
  • Features: Hills,Wooded
  • Lot size dimensions: .4745

Parking

  • Total spaces: 2
  • Parking features: Garage Attached,2 Car,Concrete
  • Has garage: Yes
  • Covered spaces: 2
  • Has uncovered spaces: Yes

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
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Cold Wave
    Cold WaveModerate
  • Hail
    HailModerate
  • Inland Flooding
    Inland FloodingModerate
  • Ice Storm
    Ice StormModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Lightning
Strong Wind
Winter Weather
Cold Wave
Hail
Inland Flooding
Ice Storm
Tornado

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 $2,831$33,972
Home Insurance *$213$2,556
Property Taxes $466$5,592
Electricity $334$4,009
Total$3,844$46,128
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$131,794/yr
40% on housing$115,320/yr
45% on housing$102,506/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: 16.6%
16.6%
0%30.0%
Electricity Growth Rate10-year average: 5.9%
5.9%
0%15.0%
Property Taxes Growth Rate2-year average: 6.1%
6.1%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$180This listing

vs Other Active Listings

Avg $/sqft

ZIP 43028$219
Knox County$200

vs Homes Sold Last Month

Median $/sqft

ZIP 43028$169
Knox County$169

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
2026-07-21Contingent$560,000
2026-07-03Listed for sale$560,000
2019-09-11Sold$244,900
2011-10-07Sold$142,500

For Sale by Agent

AgentSherrie Toth
BrokerageRe/Max Consultant Group

Similar Homes