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287 E Locust St, Wilmington, OH, 45177

5beds
2baths
0sqft
$99,000
--price/sqft
$821/moest. monthly cost
$32,840/yrincome needed

About This Home

Calling all restoration enthusiasts and investors! 287 E. Locust Street is a classic Victorian-style two-story home with incredible potential, waiting for the right buyer to complete its renovation. With five spacious bedrooms, two full baths, and room for two additional half baths on the main level, this home offers a versatile layout that can be tailored to fit a variety of needs. The charm of a bygone era shines through, offering the opportunity to restore original character while incorporating modern updates. Whether you envision a stately residence, rental property, or creative renovation project, this home delivers the size, style, and flexibility to bring your ideas to life.

Getting Around

71
WalkingVery Walkable
0
TransitVery Limited Transit
49
BikeSomewhat Bikeable

Schools

5/10
5/10
4/10
Wilmington High SchoolGrades 9-120.8 mi

Construction

Condition

  • Year built: 1920

Materials

  • Foundation: Stone
  • Roof: Shingle
  • Construction materials: Vinyl Siding

Type & Style

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

Interior

Appliances

  • Appliances included: No Water Heater

Basement

  • Has basement: Yes
  • Basement: Full

Bathroom1

  • Features: Full
  • Level: Second

Bathroom2

  • Features: Full
  • Level: Second

Bedroom2

  • Level: Second
  • Area: 255

Bedroom3

  • Level: Second
  • Area: 195

Bedroom4

  • Level: Second
  • Area: 154

Bedroom5

  • Level: Second
  • Area: 130

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 2
  • Full bathrooms: 2

Dining Room

  • Features: Wood Floor
  • Level: First
  • Area: 240

Family Room

  • Features: Wood Floor
  • Area: 266

Features

  • Window features: Other

Heating & Cooling

  • Heating features: None
  • Cooling features: None

Interior Area

  • Total structure area: 0

Kitchen

  • Area: 224

Living Room

  • Features: Wood Floor
  • Area: 256

Master Bathroom

  • Features: Other

Master Bedroom

  • Features: Wood Floor
  • Level: Second
  • Area: 300

Office

  • Area: 0

Property

Details

  • Parcel number: 2900136728
  • Zoning description: Residential

Features

  • Levels: Two
  • Stories: 2

Lot

  • Lot size: 0.31 Acres
  • Lot size dimensions: .314

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

  • Ice Storm
    Ice StormModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Ice Storm
Lightning
Strong Wind
Tornado
Winter Weather

FEMA Declared Disasters Across Ohio Counties

Flood
Tornado

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 $500$6,000
Home Insurance *$53$636
Property Taxes $75$900
Electricity $193$2,320
Total$821$9,852
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$28,148/yr
40% on housing$24,630/yr
45% on housing$21,893/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: 12.2%
12.2%
0%30.0%
Electricity Growth Rate10-year average: 5.9%
5.9%
0%15.0%
Property Taxes Growth Rate2-year average: 4.8%
4.8%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

--This listing

vs Other Active Listings

Avg $/sqft

ZIP 45177$191
Clinton County$166

vs Homes Sold Last Month

Median $/sqft

ZIP 45177$167
Clinton County$182

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
2026-02-16Listed for sale$99,000
2014-05-25Listing removed$42,900
2013-05-30Listed for sale$42,900
2006-01-16Sold$50,000

For Sale by Agent

AgentRobyn Clifton
BrokeragePeelle, Lundy & Clifton Realty

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