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401 Benham St, Dayton, KY, 41074

3beds
2baths
1,296sqft
$289,900
$224price/sqft
$2,128/moest. monthly cost
$85,120/yrincome needed

About This Home

Fully renovated, solid brick, rare 2 car attached garage, minutes to Downtown If you've been searching for homes in any of Northern Kentucky's river cities, you already know how incredibly rare it is to find one with a garage — let alone a 2-car attached garage. No more fighting for street parking, scraping ice off your windshield, or hauling groceries through the rain. Instead, enjoy the comfort, convenience, security, and peace of mind that comes with pulling directly into your home. Completely rebuilt from the studs, this 3-bedroom, 2-bath home gives you the feel of new construction without losing its solid brick character. High ceilings, an open layout, and modern finishes make the space feel bright, clean, and comfortable. The kitchen is fully updated with quartz countertops and brand-new appliances, and both bathrooms are completely remodeled, including a spa-style shower that feels like a retreat. Need Storage? Each bedroom has a walk-in closet (rare for a home this age) and you'll be amazed at the space in the walkable attic with bright lighting. Off the garage there are multiple large rooms for a workshop, home gym or storage for other hobbies. The location is one of this home's standout features. Just minutes from downtown Cincinnati, you can reach nearly anywhere in the Greater Cincinnati area within 20 minutes. Catch a Reds or Bengals game, enjoy concerts and major entertainment venues, explore top dining and nightlife, or relax at the local coffee shops. The home is also conveniently located just blocks from Dayton Elementary and High School, scenic Riverfront commons walking and biking trail, and Manhattan Harbour Marina — offering the perfect balance of convenience, recreation, and lifestyle.

Getting Around

55
WalkingSomewhat Walkable
0
TransitVery Limited Transit
25
BikeSomewhat Bikeable

Schools

4/10
Lincoln Elementary SchoolGrades PK-60.5 mi
6/10
Dayton High SchoolGrades 7-120.4 mi

Construction

Condition

  • Year built: 1925

Materials

  • Foundation: Concrete Blk
  • Roof: Shingle
  • Construction materials: Wood Frame,Block,Brick

Type & Style

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

Interior

Basement

  • Has basement: Yes
  • Basement: Unfinished

Bedroom

  • Level: Second

Bedroom

  • Level: Second

Bedroom

  • Level: Second

Bedrooms & Bathrooms

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

Den

  • Level: First

Features

  • Number of fireplaces: 1
  • Fireplace: Yes
  • Finished area below ground: 0
  • Finished area above ground: 1,296

Heating & Cooling

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

Interior Area

  • Total structure area: 1,296
  • Total interior livable area: 1,296 sqft

Kitchen

  • Level: First

Property

Details

  • Parcel number: 9999908524.00

Features

  • Stories: 2
  • Patio & porch: Deck,Patio,Porch
  • Fencing: Wood

Lot

  • Lot size: 2,613 sqft
  • Features: Corner Lot,Sidewalk
  • Lot size dimensions: 34 x 75

Parking

  • Total spaces: 2
  • Parking features: Off Street,Attached,Lower Level,Driveway
  • Has garage: Yes
  • Attached garage spaces: 2
  • 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

  • Cold Wave
    Cold WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Cold Wave
Inland Flooding
Lightning
Strong Wind
Tornado

FEMA Declared Disasters Across Kentucky Counties

Flood
Mud Landslide
Severe Storm
Straight Line Winds
Tornado
Winter Storm

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 $1,465$17,580
Home Insurance *$204$2,448
Property Taxes $305$3,660
Electricity $154$1,850
Total$2,128$25,536
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$72,960/yr
40% on housing$63,840/yr
45% on housing$56,746/yr

Kentucky FAIR Plan Programs

Kentucky FAIR Plan Reinsurance Association

Covered
WildfireWildfire
Add-on available
HailHail
WindWind
Visit Website →
Current Policies
Residential: 4,102Commercial: 175
Total Premiums$2.55M
Total Exposure$206.09M

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: 5.5%
5.5%
0%30.0%
Electricity Growth Rate10-year average: 6.0%
6.0%
0%15.0%
Property Taxes Growth Rate2-year average: -0.6%
-0.6%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$224This listing

vs Other Active Listings

Avg $/sqft

ZIP 41074$136
Campbell County$190

vs Homes Sold Last Month

Median $/sqft

ZIP 41074$161
Campbell County$190

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
2026-05-08Listed for sale$425,000
1994-12-08Sold$57,500

For Sale by Agent

AgentCorey Ritter
BrokerageMammoth Solutions, LLC

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