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812 S Atlantic Ave, Lima, OH, 45804

2beds
1baths
1,198sqft
$74,900
$63price/sqft
$705/moest. monthly cost
$28,200/yrincome needed

About This Home

This 2-bedroom, 1-bath home is ready for your vision and creativity. Offering solid bones and plenty of opportunity to add value, this property is ideal for investors, flippers, or buyers looking to build equity through renovations. The home features a full basement that has been partially started for conversion into an apartment, creating the potential for additional living space, a guest suite, or future rental income. Outside, you'll find a detached 2-car garage providing ample parking, storage, or workshop space. With some TLC and updates, this property can be transformed into a comfortable residence or profitable investment. Don't miss the chance to unlock the potential of this versatile property.

Getting Around

52
WalkingSomewhat Walkable
22
TransitMinimal Transit
46
BikeSomewhat Bikeable

Schools

5/10
Liberty Arts Magnet K-8Grades K-80.3 mi
2/10
Lima Senior High SchoolGrades 9-121.3 mi

Construction

Condition

  • Year built: 1920

Materials

  • Foundation: Block

Type & Style

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

Interior

Basement

  • Has basement: Yes
  • Basement: Full

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 1
  • Full bathrooms: 1

Features

  • Finished area below ground: 0

Heating & Cooling

  • Heating features: Forced Air
  • Cooling features: Window Unit(s)

Interior Area

  • Total structure area: 1,198
  • Total interior livable area: 1,198 sqft

Property

Details

  • Parcel number: 46010503036.000
  • Zoning description: Residential

Features

  • Patio & porch: Covered,Porch

Lot

  • Lot size: 0.20 sqft
  • Lot size dimensions: 50 x 170

Parking

  • Total spaces: 2
  • Parking features: Detached,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

  • Inland Flooding
    Inland FloodingRelatively High
  • Strong Wind
    Strong WindModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Inland Flooding
Strong Wind
Winter Weather

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 $378$4,536
Home Insurance *$68$816
Property Taxes $66$792
Electricity $193$2,320
Total$705$8,460
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$24,171/yr
40% on housing$21,150/yr
45% on housing$18,800/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

$63This listing

vs Other Active Listings

Avg $/sqft

ZIP 45804$97
Allen County$112

vs Homes Sold Last Month

Median $/sqft

ZIP 45804$113
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
2026-05-28Price change$74,900
2026-05-22Listed for sale$84,900
2018-05-23Sold$47,000
2000-02-28Sold$32,900

For Sale by Agent

AgentChris Pocza
BrokerageCowan, Realtors

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