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109 Hawthorne Dr, Lima, OH, 45805

4beds
6baths
4,677sqft
$895,000
$191price/sqft
$6,396/moest. monthly cost
$255,840/yrincome needed

About This Home

Beyond the gates of Hawthorne Drive, this stunning five-acre waterfront retreat overlooks the tranquil waters of Severns Lake. A truly rare offering, the property includes partial ownership of an adjacent private island. Completely concealed from the road, the estate offers extraordinary privacy. Crossing the property's distinctive rumble bridge creates a memorable arrival while enhancing security. Inside, magnificent floor-to-ceiling windows crowned with graceful arches frame breathtaking lake views, flooding the home with natural light and creating a seamless connection to the water beyond. The spacious kitchen flows into the surrounding living spaces. Just beyond, a short hallway lined with two glass doors opens to the side yard and the lakeside backyard, where steps descend to the water's edge. Across the hall, you'll find the sunroom, where walls of windows showcase surrounding woods and abundant wildlife. The primary suite occupies its own wing, complete with an extensive ensuite and two generous walk-in closets. Two separate staircases lead to a walk-out lower level boasting approximately 2,500 square feet of additional finished living space. Highlights include a second kitchen, fitness room, and executive office with dramatic glass doors opening outdoors to sweeping views of the island and lake, and pathways leading to the paved drive and backyard. The home features a ground gutter drainage system, with traditional gutters present above exterior doorways and patios. The attached three-car garage includes a 220-volt line for future EV charging, while soft-wake pathway lighting guides you from the primary suite to the garage for quiet early-morning departures. Awaiting the next owner's personal touch in flooring, this legacy estate provides a remarkable combination of gated community living, expansive acreage, waterfront ownership, sophisticated amenities, and timeless craftsmanship.

Getting Around

0
WalkingCar-Dependent
0
TransitNo Nearby Transit
18
BikeSomewhat Bikeable

Schools

5/10
7/10
Shawnee Middle SchoolGrades 5-81.6 mi
7/10
Shawnee High SchoolGrades 9-121.5 mi

Construction

Condition

  • Year built: 1995

Materials

  • Foundation: Other

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Electric Cooktop,Microwave,Oven,Refrigerator,Trash Compactor,Water Heater,Water Softener Owned

Basement

  • Has basement: Yes
  • Basement: Sump Pump,Storage Space,Poured,Full,Daylight,Finished,Walk-Out Access

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 6
  • Full bathrooms: 4
  • 1/2 bathrooms: 2

Features

  • Cathedral Ceiling(s)
  • Flooring: Carpet,Hardwood
  • Fireplace features: Great Room
  • Fireplace: Yes
  • Finished area below ground: 2,500

Heating & Cooling

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

Interior Area

  • Total structure area: 4,677
  • Total interior livable area: 4,677 sqft

Property

Details

  • Parcel number: 46090201002.000
  • Zoning description: Residential

Features

  • Levels: Two
  • Spa features: Bath
  • On waterfront: Yes
  • Waterfront features: Waterfront

Lot

  • Lot size: 5 Acres
  • Features: Shaded Lot,Sprinklers In Front,Sprinklers In Rear,Wooded

Parking

  • Total spaces: 3
  • Parking features: Garage Door Opener,Attached,Garage
  • Has garage: Yes
  • Attached garage spaces: 3
  • Covered spaces: 3

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

  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

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 $4,525$54,300
Home Insurance *$580$6,960
Property Taxes $790$9,480
Electricity $501$6,019
Total$6,396$76,752
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$219,291/yr
40% on housing$191,880/yr
45% on housing$170,560/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

$191This listing

vs Other Active Listings

Avg $/sqft

ZIP 45805$105
Allen County$111

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)

Price History

DateEventPrice
2026-08-07Listed for sale$895,000
2009-08-13Sold$485,000
2009-06-12Listed for sale$650,000
1995-04-10Sold$88,000

For Sale by Agent

AgentOlivia Miller
BrokerageSuperior Plus Realtors

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