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About This Home

Located on a large 1/4 acre lot, this cozy cottage style "doll house" has a lot of street appeal. It has been completely remodeled. Owner will consider some owner carry back financing but no land contracts. Buyer benefits: low taxes, owner-financing option, large lot for the price/size, charming “doll house” vibe, and main-level living. Target first-time buyers, downsizers, or investors.

Getting Around

Somewhat Walkable

Very Limited Transit

Bikeable

Schools

5/10

Mississinawa Valley Elementary SchoolGrades K-63.5 mi

6/10

Mississinawa Valley Jr/Sr High SchoolGrades 7-123.5 mi

Construction

Condition

Year built: 1900

Materials

Construction materials: Frame,Stone,Vinyl Siding

Type & Style

Home type: SingleFamily
Architectural style: Cottage
Property subType: Single Family Residence

Interior

Basement

Basement: Crawl Space

Bedroom

Level: Main
Dimensions: 8 x 12

Bedrooms & Bathrooms

Bedrooms: 2
Bathrooms: 1
Full bathrooms: 1

Heating & Cooling

Heating features: Baseboard,Electric
Cooling features: Window Unit(s)

Interior Area

Total structure area: 835
Total interior livable area: 835 sqft

Kitchen

Level: Main
Dimensions: 17 x 10

Laundry

Level: Main
Dimensions: 8 x 8

Living Room

Level: Main
Dimensions: 13 x 16

Master Bedroom

Level: Main
Dimensions: 12 x 16

Property

Details

Parcel number: H33211330020210401
Zoning: Residential
Zoning description: Residential

Features

Levels: One
Stories: 1

Lot

Lot size: 0.25 Acres
Lot size dimensions: 66 x 165

Parking

Parking features: Storage

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

Strong WindRelatively High
TornadoRelatively High
HailModerate
Inland FloodingModerate
LightningModerate
Winter WeatherModerate

How This Home’s Risks Compare

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

	Monthly	Annual
Mortgage	$478	$5,736
Home Insurance *	$92	$1,104
Property Taxes	$195	$2,340
Electricity	$193	$2,320
Total	$958	$11,496

*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

30% on housingRecommended$38,320/yr

35% on housing$32,845/yr

40% on housing$28,740/yr

45% on housing$25,546/yr

Ohio FAIR Plan Programs

Ohio FAIR Plan Underwriting Association

Covered

Wildfire

Hail

Wind

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: 13.1%

13.1%

0%30.0%

Electricity Growth Rate10-year average: 5.9%

5.9%

0%15.0%

Property Taxes Growth Rate2-year average: -2.3%

-2.3%

0%15.0%

Income Spent on Housing

30%

30%45%

Comparing Against the Market

Price Per Sq Ft

$113This listing

vs Other Active Listings

Avg $/sqft

ZIP 45390$125

Darke County$122

vs Homes Sold Last Month

Median $/sqft

ZIP 45390$107