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3451 Providence Cir, Lima, OH, 45801

3beds
2baths
1,720sqft
$325,000
$189price/sqft
$2,421/moest. monthly cost
$96,840/yrincome needed

About This Home

Welcome to this beautifully remodeled 3-bedroom, 2-bath home offering 1,720 square feet of updated living space in Elida. Meticulously renovated throughout, this move-in-ready home features an exceptional floor plan with spacious living areas, an inviting sunroom filled with natural light, and a partial basement providing additional living space. Enjoy the peace and privacy of a backyard that borders a wooded area, creating a serene setting for relaxing with nature. A whole-house generator adds convenience and peace of mind, ensuring comfort year-round. Updates include a new roof, new kitchen with stainless steel appliances, flooring throughout, bathrooms and so much more. Ask your agent for a complete list of updates.

Getting Around

0
WalkingCar-Dependent
0
TransitNo Nearby Transit
23
BikeSomewhat Bikeable

Schools

5/10
Elida Elementary SchoolGrades K-53.5 mi
8/10
Elida Middle SchoolGrades 6-83.6 mi
5/10
Elida High SchoolGrades 9-123.9 mi

Construction

Condition

  • Property condition: Updated/Remodeled
  • Year built: 1974

Materials

  • Foundation: Block
  • Construction materials: Brick

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Microwave,Range,Refrigerator,Water Heater Owned

Bedroom1

  • Level: Main

Bedroom2

  • Level: Main

Bedroom3

  • Level: Main

Bedrooms & Bathrooms

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

Family Room

  • Level: Main

Features

  • Flooring: Carpet,Laminate
  • Fireplace features: Wood Burning Stove,Family Room,Gas,Glass Doors,Masonry
  • Fireplace: Yes

Heating & Cooling

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

Interior Area

  • Total structure area: 1,720
  • Total interior livable area: 1,720 sqft

Kitchen

  • Level: Main

Laundry

  • Level: Main

Living Room

  • Level: Main

Sunroom

  • Level: Main

Property

Details

  • Parcel number: 36130202014.000
  • Zoning description: Residential
  • Special condition: Fair Market

Features

  • Levels: One
  • Patio & porch: Enclosed,Glass Enclosed

Parking

  • Total spaces: 2
  • Parking features: Garage Door Opener,Attached,Garage
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

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 Wind
    Strong WindRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Hail
    HailModerate
  • Inland Flooding
    Inland FloodingModerate
  • Ice Storm
    Ice StormModerate
  • Lightning
    LightningModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Strong Wind
Winter Weather
Hail
Inland Flooding
Ice Storm
Lightning
Tornado

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 $1,643$19,716
Home Insurance *$298$3,576
Property Taxes $287$3,444
Electricity $193$2,320
Total$2,421$29,052
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$83,005/yr
40% on housing$72,630/yr
45% on housing$64,560/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: 8.4%
8.4%
0%30.0%
Electricity Growth Rate10-year average: 5.9%
5.9%
0%15.0%
Property Taxes Growth Rate2-year average: 0.5%
0.5%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$189This listing

vs Other Active Listings

Avg $/sqft

ZIP 45801$89
Allen County$111

vs Homes Sold Last Month

Median $/sqft

ZIP 45801$94
Allen County$116

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
2026-08-14Pending sale$320,000
2026-08-08Price change$320,000
2026-07-31Listed for sale$325,000
2026-05-20Sold$150,500
2018-04-06Listing removed$134,900
2018-04-02Price change$134,900
2018-01-29Listed for sale$139,500

For Sale by Agent

AgentRachel Swartz
BrokerageCCR Realtors

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