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343 S Charles St, Lima, OH, 45805

4beds
1baths
2,106sqft
$209,000
$99price/sqft
$1,600/moest. monthly cost
$64,000/yrincome needed

About This Home

Completely updated and move-in ready! This spacious 4-bedroom, 1-bathroom home offers extensive updates throughout and is priced to sell. Featuring a brand new kitchen with new cabinets, countertops, and appliances, this home has been thoughtfully renovated for modern comfort and peace of mind. Additional updates include updated plumbing and electrical, all new light fixtures, new flooring throughout, and a completely renovated bathroom. The layout offers 3 bedrooms on the second floor and 1 bedroom on the third floor, providing flexible space for family, guests, or a home office. Enjoy the convenience of first-floor laundry, an unfinished basement for additional storage, and a brand new condenser for added central air comfort. Located just steps from Faurot Park and in a central location close to local amenities, this home offers both convenience and value. *Co-Listing agent is seller* Contact for a private showing today.

Getting Around

41
WalkingCar-Dependent
22
TransitMinimal Transit
57
BikeBikeable

Schools

5/10
Liberty Arts Magnet K-8Grades K-80.8 mi
2/10
Lima Senior High SchoolGrades 9-121.4 mi
3/10

Construction

Condition

  • Year built: 1918

Materials

  • Foundation: Block
  • Construction materials: Vinyl Siding

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Electric Cooktop,Refrigerator

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 1
  • Full bathrooms: 1

Features

  • Flooring: Vinyl
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Forced Air
  • Cooling features: Central Air

Interior Area

  • Total structure area: 2,106
  • Total interior livable area: 2,106 sqft

Property

Details

  • Parcel number: 36361002014.000
  • Zoning description: Residential

Features

  • Levels: Two

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 FloodingModerate

How This Home’s Risks Compare

Inland Flooding

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 $1,056$12,672
Home Insurance *$135$1,620
Property Taxes $184$2,208
Electricity $225$2,710
Total$1,600$19,200
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$54,857/yr
40% on housing$48,000/yr
45% on housing$42,666/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

$99This listing

vs Other Active Listings

Avg $/sqft

ZIP 45805$107
Allen County$112

vs Homes Sold Last Month

Median $/sqft

ZIP 45805$132
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$209,000
2026-08-10Listed for rent$1,925
2026-07-28Listed for sale$209,000
2026-05-06Pending sale$209,000
2026-05-04Price change$209,000
2026-03-25Listed for sale$220,000
2026-03-23Listing removed$1,925
2026-03-17Listed for rent$1,925
2025-12-05Sold$95,000
2025-11-10Pending sale$115,000
2025-10-24Price change$115,000
2025-09-25Price change$130,000
2025-09-08Price change$140,000
2025-08-15Listed for sale$150,000
2018-12-31Sold$30,000
2018-10-30Price change$65,000
2018-09-24Price change$70,000
2018-08-28Listed for sale$79,500

For Sale by Agent

AgentAnn Trueblood-Stiles
BrokerageCCR Realtors

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