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547 N Broadway St, Spencerville, OH, 45887

5beds
4baths
2,842sqft
$450,000
$158price/sqft
$3,672/moest. monthly cost
$146,880/yrincome needed

About This Home

2 story multi family unit. Completely remodeled. Paved area for parking. Close to Charles River. Each unit has washer and dryer hook up. 24 hours notice needed for all showings.

Getting Around

34
WalkingCar-Dependent
0
TransitVery Limited Transit
34
BikeSomewhat Bikeable

Schools

9/10
7/10
7/10
Spencerville High SchoolGrades 9-120.9 mi

Construction

Condition

  • Year built: 1940

Materials

  • Foundation: Other
  • Roof: Metal
  • Construction materials: Brick

Type & Style

  • Home type: MultiFamily
  • Property subType: Multi Family

Interior

Basement

  • Has basement: Yes
  • Basement: Partially Finished

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 4
  • Full bathrooms: 3
  • 1/2 bathrooms: 1

Features

  • Finished area below ground: 800

Heating & Cooling

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

Interior Area

  • Total structure area: 2,842
  • Total interior livable area: 2,842 sqft

Property

Details

  • Parcel number: 44120601017.001
  • Zoning description: Multi-Family
  • Special condition: Fair Market

Features

  • Levels: Three Or More,Two
  • Patio & porch: Deck,Patio,Porch

Lot

  • Lot size: 0.32 Acres
  • Lot size dimensions: .32

Parking

  • Parking features: Off Street

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 $2,275$27,300
Home Insurance *$696$8,352
Property Taxes $397$4,764
Electricity $304$3,657
Total$3,672$44,064
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$125,897/yr
40% on housing$110,160/yr
45% on housing$97,920/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

$158This listing

vs Other Active Listings

Avg $/sqft

ZIP 45887$142
Allen County$111

vs Homes Sold Last Month

Median $/sqft

ZIP 45887$61
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)

Price History

DateEventPrice
2026-05-07Listed for sale$495,000
2022-04-06Sold$18,700
2018-09-20Sold$80,000
2015-04-09Listing removed$289,900
2014-11-04Listed for sale$289,900
2014-06-05Listing removed$289,900
2014-01-20Listed for sale$289,900
2013-12-04Listing removed$289,900
2013-10-31Listed for sale$289,900
2012-04-11Listing removed$289,900
2011-08-04Listed for sale$289,900

For Sale by Agent

AgentMaria Sanko
BrokerageCCR Realtors

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