4053 Apple Valley Dr, Howard, OH, 43028
About This Home
Life is short… make the most of it in this stunning LAKEFRONT retreat at Apple Valley Lake! Wake up to breathtaking lake views and unwind with spectacular sunsets from your expansive Trex deck, private boat dock, and patio. With 4,812 SF of thoughtfully designed living space, this home offers 5 bedrooms + a bonus room (currently used as a bedroom), 4 full baths, a main kitchen, 2 kitchenettes, and 2 laundry areas. A private guest/in-law suite with its own kitchenette provides flexibility for extended family or visitors. The great room boasts soaring ceilings and a striking stone fireplace, seamlessly flowing into the kitchen and dining area— all with panoramic lake views. The lower level is built for entertainment, featuring a bar, family room with a wood-burning fireplace, and ample space to host gatherings. Nestled near the front entrance of Apple Valley, this property sits on a peaceful cove—offering calmer waters perfect for swimming and floating. Experience everything Apple Valley Lake has to offer, including boating, jet skiing, tubing, a championship golf course, fitness center, indoor/outdoor pools, a full-service marina, and so much more! Don’t miss this rare opportunity to own a true lakefront paradise! Apple Valley owners enjoy living the lake life; swimming, skiing, fishing, boating, 3 beaches, outdoor and indoor pools, club house and community center.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 1991
Materials
- Roof: Metal,Shingle
- Construction materials: Stone,Vinyl Siding
Type & Style
- Home type: SingleFamily
- Architectural style: Contemporary
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Dishwasher,Dryer,Disposal,Hot Water Tank-Rented,Microwave,Range Oven,Refrigerator,Washer
- Laundry features: In Basement,Main Level
Basement
- Has basement: Yes
- Basement: Finished,Full,Walk-Out Access
Bathroom1
- Features: Full
- Level: First
Bathroom2
- Features: Full
- Level: First
Bathroom3
- Features: Full
- Level: Second
- Area: 429.3
Bathroom4
- Features: Full
- Level: Lower
- Area: 111.2
Bedroom1
- Level: Second
- Area: 376.8
Bedroom2
- Level: First
- Area: 129.92
Bedroom3
- Level: First
- Area: 124.02
Bedroom4
- Level: First
- Area: 313.6
Bedrooms & Bathrooms
- Bedrooms: 5
- Bathrooms: 4
- Full bathrooms: 4
Dining Room
- Level: First
Family Room
- Level: Lower
- Area: 498
Features
- Flooring: Ceramic Tile,Laminate,Carpet,Wood
- Number of fireplaces: 2
- Fireplace features: Two,Gas Log,Wood Burning Stove
- Fireplace: Yes
- Finished area above ground: 3,012
Heating & Cooling
- Heating features: Natural Gas
- Cooling features: Central Air
Interior Area
- Total structure area: 4,812
- Total interior livable area: 4,812 sqft
Kitchen
- Level: First
Living Room
- Level: First
- Area: 502.2
Property
Details
- Parcel number: 3400008.000
Features
- Levels: One and One Half,1.5 Story
- Stories: 1
- Patio & porch: Covered Patio,Deck
- On waterfront: Yes
- Waterfront features: Lake Front
Lot
- Lot size: 0.41 Acres
- Features: Level
- Lot size dimensions: 0.4
Parking
- Total spaces: 2.5
- Parking features: Garage Attached,2.5 Car,Concrete
- Has garage: Yes
- Covered spaces: 2.5
- 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 | $6,978 | $83,736 |
| Home Insurance * | $526 | $6,312 |
| Property Taxes | $1,150 | $13,800 |
| Electricity | $516 | $6,193 |
| Total | $9,170 | $110,040 |
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 |
|---|---|---|
| 2026-04-02 | Listed for sale | $1,499,000 |
| 2026-02-27 | Listing removed | $1,499,000 |
| 2025-08-26 | Price change | $1,499,000 |
| 2025-06-21 | Price change | $1,589,000 |
| 2025-03-05 | Listed for sale | $1,689,000 |
| 2008-10-31 | Sold | $228,750 |
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