4045 Apple Valley Dr, Howard, OH, 43028
About This Home
Linger by the lake with your warm mug in hand at your home in Apple Valley, Ohio, with over 95ft of waterfrontage! The open-concept atrium kitchen, living room, breakfast nook, and sunroom are designed to maximize the glittering lakefront view. The cabinet-filled kitchen is a baker's delight with double ovens and generous counterspace. Experience the convenience of the entry-level primary suite with built-ins & attached full bath with jetted tub, shower, and dual sinks. Across the hall, find the half bath, 2-car garage, and second bathroom with ensuite bath. Downstairs is the guest bedroom, office, laundry, full bath, and family room. Relax in the luxury of lake views in every cozy corner from the fireplaces, sunroom, family room, wraparound deck, dock, and lakefront patio. Conveniently located on the south side of Apple Valley near the main entrance. Enjoy all that Apple Valley has to offer, including the marina, clubhouse, beaches, pools, playground, pickleball club, and more. Pontoon is included. Come see for yourself!
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 2001
Materials
- Roof: Shingle
- Construction materials: Vinyl Siding
Type & Style
- Home type: SingleFamily
- Architectural style: Ranch
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Dishwasher,Double Oven,Microwave,Range Oven,Refrigerator
- Laundry features: In Basement
Basement
- Has basement: Yes
- Basement: Finished,Full,Walk-Out Access
Bathroom1
- Features: Full
- Level: First
- Area: 146.4583
Bathroom2
- Features: Full
- Level: First
- Area: 92.6667
Bathroom3
- Features: Full
- Level: Lower
- Area: 107.3333
Bathroom4
- Features: Half
- Level: First
- Area: 26.1111
Bedroom1
- Level: First
- Area: 267.2222
Bedroom2
- Level: First
- Area: 155.4097
Bedroom3
- Level: Lower
- Area: 161.25
Bedrooms & Bathrooms
- Bedrooms: 3
- Bathrooms: 4
- Full bathrooms: 3
- 1/2 bathrooms: 1
Dining Room
- Level: First
- Area: 155.4097
Family Room
- Level: Lower
- Area: 723.2222
Features
- Flooring: Ceramic Tile,Vinyl,Carpet,Wood
- Number of fireplaces: 2
- Fireplace features: Two,Gas Log,Family Room,Living Room
- Fireplace: Yes
- Finished area above ground: 1,952
Heating & Cooling
- Heating features: Forced Air,Natural Gas
- Cooling features: Central Air
Interior Area
- Total structure area: 3,245
- Total interior livable area: 3,245 sqft
Kitchen
- Level: First
- Area: 283.1597
Living Room
- Level: First
- Area: 458.1597
Property
Details
- Parcel number: 3400010.000
Features
- Patio & porch: Deck
- Fencing: None
- Has view: Yes
- View description: Lake
- Has water view: Yes
- Water view: Lake
- On waterfront: Yes
- Waterfront features: Lake Front,Waterfront
Lot
- Lot size: 0.53 Acres
- Lot size dimensions: 0.5331
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
- Strong Wind
- Winter Weather
- Cold Wave
- Hail
- Inland Flooding
- Ice Storm
- Tornado
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 | $6,568 | $78,816 |
| Home Insurance * | $495 | $5,940 |
| Property Taxes | $1,082 | $12,984 |
| Electricity | $348 | $4,176 |
| Total | $8,493 | $101,916 |
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 |
|---|---|---|
| 2026-05-13 | Price change | $1,375,000 |
| 2025-12-26 | Listed for sale | $1,399,000 |
| 2025-10-16 | Listing removed | $1,400,000 |
| 2025-09-26 | Price change | $1,400,000 |
| 2025-06-30 | Price change | $1,475,000 |
| 2025-04-01 | Listed for sale | $1,500,000 |
| 2001-01-10 | Sold | $135,000 |
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