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42 S Main St, Miamisburg, OH, 45342

4beds
4baths
6,728sqft
$625,000
$93price/sqft
$5,100/moest. monthly cost
$204,000/yrincome needed

About This Home

You may own a part of Historical downtown Miamisburg with this 4 apartment unit, a store front on the main level and a 4 car attached garage building. This is the old Paff Jewelers building. The real estate only is being sold (the candy store is rents). The 4 apartments are all one bedroom, 1 bath. Tenants pay electric, phone and/or internet services and the owner pays gas, water, sewer and trash. Have long term tenants. Property is being shown by appointment only. Profit and loss statement available to serious Buyers only. Must give 48 hour notice before showing.

Getting Around

75
WalkingVery Walkable
0
TransitVery Limited Transit
72
BikeVery Bikeable

Schools

6/10
Kinder Elementary SchoolGrades K-50.4 mi
5/10
Miamisburg Middle SchoolGrades 6-81.6 mi
7/10
Miamisburg High SchoolGrades 9-121.8 mi

Construction

Condition

  • Year built: 1940

Materials

  • Foundation: Slab
  • Construction materials: Brick

Type & Style

  • Home type: MultiFamily
  • Property subType: Multi Family

Interior

Appliances

  • Appliances included: Range,Refrigerator,Gas Water Heater

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 4
  • Full bathrooms: 4

Features

  • Window features: Aluminum Frames

Heating & Cooling

  • Heating features: Natural Gas,Other
  • Cooling features: Central Air,Window Unit(s)

Interior Area

  • Total structure area: 6,728
  • Total interior livable area: 6,728 sqft

Property

Details

  • Parcel number: K46003270085
  • Zoning: Business,Commercial
  • Zoning description: Business,Commercial

Lot

  • Lot size: 4,146 sqft
  • Lot size dimensions: 30 x 143 x 29 x 143

Parking

  • Total spaces: 4
  • Parking features: Attached,Four or more Spaces,Garage,Garage Door Opener,Public
  • Has garage: Yes
  • Attached garage spaces: 4
  • Covered spaces: 4

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

  • Inland Flooding
    Inland FloodingRelatively High
  • Cold Wave
    Cold WaveModerate
  • Hail
    HailModerate
  • Ice Storm
    Ice StormModerate
  • Strong Wind
    Strong WindModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Inland Flooding
Cold Wave
Hail
Ice Storm
Strong Wind
Winter Weather

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 $3,160$37,920
Home Insurance *$318$3,816
Property Taxes $901$10,812
Electricity $721$8,658
Total$5,100$61,200
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$174,857/yr
40% on housing$153,000/yr
45% on housing$136,000/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

$93This listing

vs Other Active Listings

Avg $/sqft

ZIP 45342$115
Montgomery County$107

vs Homes Sold Last Month

Median $/sqft

ZIP 45342$158
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)

No zestimate history available

Price History

DateEventPrice
2025-09-24Price change$799,900
2025-07-30Listed for sale$825,000
2009-01-16Sold$50,000

For Sale by Agent

AgentMel Rutherford
BrokerageM R Real Estate

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