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10989 Cold Spring Dr, Centerville, OH, 45458

5beds
5baths
5,279sqft
$885,000
$168price/sqft
$6,611/moest. monthly cost
$264,440/yrincome needed

About This Home

Nestled on one of the most picturesque lots in Washington Township, this stunning Design Homes built Gabriel floor plan offers 5,241 sq. ft. of thoughtfully designed living space, including a beautifully finished 1,413 sq. ft. walkout lower level. From the moment you arrive, you’ll appreciate the exceptional curb appeal, upscale finishes, and unbeatable location that make this home truly stand out. The striking brick and stone exterior, walkout design, and spacious 3-car garage set the tone for the luxury found throughout. Inside, you’ll find a desirable first-floor primary suite with a spa-like bath featuring a walk-in tile shower, an upstairs game room, and a convenient Jack-and-Jill bath. The gourmet kitchen is loaded with high-end finishes including granite countertops, a large island, gas range, custom wood hood, pantry, and tile backsplash, all flowing seamlessly into warm and inviting living spaces designed for both everyday comfort and entertaining. Step outside to enjoy the covered rear deck overlooking a breathtaking wooded setting complete with a scenic creek and a custom-built bridge, creating a truly one-of-a-kind backyard retreat. With beautiful finishes, incredible views, and access to community amenities including a pool, clubhouse, fitness center, and ponds, this home offers luxury living in an exceptional Washington Township location.

Getting Around

2
WalkingCar-Dependent
0
TransitVery Limited Transit
33
BikeSomewhat Bikeable

Schools

7/10
Weller Elementary SchoolGrades 2-51.5 mi
8/10
Magsig Middle SchoolGrades 6-83.0 mi
8/10
Centerville High SchoolGrades 9-122.9 mi

Construction

Condition

  • Year built: 2013

Materials

  • Construction materials: Brick,Cedar,Stone

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Built-In Oven,Cooktop,Dryer,Dishwasher,Disposal,Microwave,Refrigerator,Water Softener,Washer,Gas Water Heater

Basement

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

Bedroom

  • Level: Second
  • Dimensions: 12 x 12

Bedroom

  • Level: Lower
  • Dimensions: 18 x 15

Bedroom

  • Level: Second
  • Dimensions: 15 x 14

Bedroom

  • Level: Second
  • Dimensions: 15 x 14

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 5
  • Full bathrooms: 4
  • 1/2 bathrooms: 1
  • Main level bathrooms: 2

Bonus Room

  • Level: Second
  • Dimensions: 21 x 19

Breakfast Room Nook

  • Level: Main
  • Dimensions: 18 x 12

Dining Room

  • Level: Main
  • Dimensions: 12 x 12

Entry Foyer

  • Level: Main
  • Dimensions: 8 x 10

Features

  • Ceiling Fan(s),Cathedral Ceiling(s),Granite Counters,High Speed Internet,Kitchen Island,Kitchen/Family Room Combo,Pantry,Walk-In Closet(s)
  • Window features: Casement Window(s),Vinyl
  • Number of fireplaces: 1
  • Fireplace features: One,Gas,Glass Doors
  • Fireplace: Yes

Great Room

  • Level: Main
  • Dimensions: 21 x 19

Heating & Cooling

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

Interior Area

  • Total structure area: 5,279
  • Total interior livable area: 5,279 sqft

Kitchen

  • Level: Main
  • Dimensions: 18 x 9

Master Bedroom

  • Level: Main
  • Dimensions: 16 x 15

Office

  • Level: Main
  • Dimensions: 12 x 11

Recreation

  • Level: Lower
  • Dimensions: 42 x 18

Utility Room

  • Level: Main
  • Dimensions: 9 x 6

Property

Details

  • Parcel number: O67223390040
  • Zoning: Residential
  • Zoning description: Residential

Features

  • Levels: Two
  • Stories: 2
  • Patio & porch: Patio,Porch
  • Exterior features: Porch,Patio

Lot

  • Lot size: 0.64 Acres
  • Lot size dimensions: Rectangular

Parking

  • Total spaces: 3
  • Parking features: Attached,Garage
  • Has garage: Yes
  • Attached garage spaces: 3
  • Covered spaces: 3

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

  • Cold Wave
    Cold WaveModerate
  • Ice Storm
    Ice StormModerate

How This Home’s Risks Compare

Cold Wave
Ice Storm

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 $4,475$53,700
Home Insurance *$295$3,540
Property Taxes $1,275$15,300
Electricity $566$6,794
Total$6,611$79,332
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$226,662/yr
40% on housing$198,330/yr
45% on housing$176,293/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: 10.2%
10.2%
0%30.0%
Electricity Growth Rate10-year average: 5.9%
5.9%
0%15.0%
Property Taxes Growth Rate2-year average: 2.0%
2.0%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$168This listing

vs Other Active Listings

Avg $/sqft

ZIP 45458$187
Montgomery County$107

vs Homes Sold Last Month

Median $/sqft

ZIP 45458$163
Montgomery County$137

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
2026-08-03Price change$885,000
2026-06-27Price change$899,900
2026-05-26Listed for sale$915,000
2014-09-24Sold$593,700
2013-01-31Sold$99,900

For Sale by Agent

AgentJamie Wilson
BrokerageColdwell Banker Heritage

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