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3737 Apple Valley Dr, Howard, OH, 43028

3beds
2baths
1,654sqft
$389,900
$236price/sqft
$2,636/moest. monthly cost
$105,440/yrincome needed

About This Home

FANTASTIC location with $$$ of upgrades! This 3 bedroom, 2 bath ranch is anything but ordinary and gives off "Yellowstone" vibes especially when you walk into the stone walled family room with 14' catherdal ceilings with raised gas fireplace! Tons of space to entertain in the appliance filled cherry kitchen with granite tops with the dining room all in one + approx. a 300 SF 3-season wrap around porch for with "Easy Breeze" windows right off the family room+kitchen! Step into the fenced yard with italian stamped patio, a 14x28 shed with footers/foundation & 2 work benches included. Back in the house, you will find the large primary bedroom with trayed ceiling, custom stone bathroom with built-in dressing table, bench, linen, double sinks, shower and a closet the size of a bedroom. The cabinet filled laundry room with washer/dryer and custom storage mudroom lockers+bench. This home is prepped for your whole house generator and includes solar tubes, water softener, upgraded insulation package, 50 amp RV hookup, gutter guards, extensive professional landscaping, concrete driveway/sidewalk and the garage has 2-30 amp circuits. Recent updates and inprovements; roof, siding, gas fireplace, attic insulation, Lennox furnace with 3 ton AC, 14x28 shed, 14x24 stamped patio & 12x12 concrete pad, custom bath, water & drain lines for garage utility sink, landscaping; all in last 3-5 years and convection induction oven; 1 year. The backyard is protected and "neighbor" free, bordering the AVPOA Clubhouse common area. The outdoor pool, playground, fitness center and fishing dock are all behind you. Apple Valley property ownership includes access to a 511-acre lake great for skiing, fishing or just floating; a full service marina; *campers village; clubhouse with *fitness center, outdoor pool and playground; a park with fishing pond, fishing pier, playground and shelter house; the community center with olympic size pool, *party room, *banquet area and *kitchen; 3 private beaches with picnic shelters; tennis and pickleball courts, a softball diamond, dog park, scenic hiking trails, several common areas & docks, 3 boat launches and a full calendar of community activities plus a *public golf course! Professional photos coming soon! *fees may apply

Getting Around

6
WalkingCar-Dependent
0
TransitVery Limited Transit
11
BikeSomewhat Bikeable

Schools

7/10
East Knox Middle SchoolGrades K-61.4 mi
6/10
East Knox High SchoolGrades 7-121.4 mi

Construction

Condition

  • Year built: 2004

Materials

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

Type & Style

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

Interior

Appliances

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

Basement

  • Basement: Crawl Space

Bathroom1

  • Features: Full
  • Level: First
  • Area: 92.3542

Bathroom2

  • Features: Full
  • Level: First
  • Area: 83.8889

Bedroom1

  • Level: First

Bedroom2

  • Level: First
  • Area: 1729

Bedroom3

  • Level: First
  • Area: 129.8333

Bedrooms & Bathrooms

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

Family Room

  • Level: First
  • Area: 336.4583

Features

  • High Speed Internet
  • Flooring: Laminate,Carpet
  • Number of fireplaces: 1
  • Fireplace features: One,Gas Log,Family Room
  • Fireplace: Yes
  • Finished area above ground: 1,654

Heating & Cooling

  • Heating features: Forced Air,Natural Gas
  • Cooling features: Central Air

Interior Area

  • Total structure area: 1,654
  • Total interior livable area: 1,654 sqft

Kitchen

  • Level: First
  • Area: 287.375

Property

Details

  • Parcel number: 3502460.000

Features

  • Patio & porch: Covered Deck,Patio
  • Fencing: Fenced,Fenced Yard

Lot

  • Lot size: 0.29 Acres
  • Features: Level
  • Lot size dimensions: 0.2847

Parking

  • Total spaces: 3
  • Parking features: Garage Attached,3 Car,Concrete
  • Has garage: Yes
  • Covered spaces: 3
  • 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 $1,971$23,652
Home Insurance *$148$1,776
Property Taxes $324$3,888
Electricity $193$2,320
Total$2,636$31,632
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$90,377/yr
40% on housing$79,080/yr
45% on housing$70,293/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

$236This listing

vs Other Active Listings

Avg $/sqft

ZIP 43028$218
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
2026-05-01Listed for sale$440,000
2021-08-04Sold$330,000
2021-07-27Pending sale$344,777
2021-07-17Price change$344,777
2021-07-02Listed for sale$359,900
2018-11-30Sold$170,000
2018-10-16Listed for sale$175,000
2018-10-16Pending sale$175,000
2018-10-05Price change$175,000
2018-09-23Listed for sale$169,000
2018-06-26Listing removed$179,900
2018-05-14Price change$179,900
2018-04-30Listed for sale$195,000
2017-03-21Listing removed$1,200
2017-03-02Listed for rent$1,200
2015-09-29Listing removed$1,200
2015-08-06Listed for rent$1,200
2014-09-25Listing removed$1,200
2014-09-11Listed for rent$1,200

For Sale by Agent

AgentJennifer Snow
BrokerageRed 1 Realty

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