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3432 Carol Ann Ln, Middletown, OH, 45044

3beds
2baths
1,488sqft
$320,000
$215price/sqft
$2,297/moest. monthly cost
$91,880/yrincome needed

About This Home

Beautifully remodeled 3-bedroom, 1.5-bath ranch situated on a private .53-acre lot with no rear neighbors! This move-in ready home features a completely updated interior, including a stunning new kitchen with granite countertops, all new cabinetry and flooring. The spacious great room showcases a beautiful stone wood-burning fireplace and hardwood flooring that continues through all bedrooms. Enjoy one-level living with a functional floor plan, abundant natural light, and peaceful backyard views. A rear storage shed provides additional space for tools and equipment. Conveniently located yet offering a private setting, this updated ranch is ready for its next owner to call home!

Getting Around

4
WalkingCar-Dependent
0
TransitNo Nearby Transit
27
BikeSomewhat Bikeable

Schools

7/10
Monroe Elementary SchoolGrades 2-61.7 mi
7/10
7/10
Monroe High SchoolGrades 9-121.7 mi

Construction

Condition

  • Year built: 1961

Materials

  • Construction materials: Brick

Type & Style

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

Interior

Appliances

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

Basement

  • Basement: Crawl Space

Bedroom

  • Level: Main
  • Dimensions: 11 x 11

Bedroom

  • Level: Main
  • Dimensions: 11 x 10

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 1
  • 1/2 bathrooms: 1
  • Main level bathrooms: 2

Features

  • Kitchen Island,Vaulted Ceiling(s)
  • Window features: Vinyl
  • Fireplace features: Wood Burning
  • Fireplace: Yes

Great Room

  • Level: Main
  • Dimensions: 23 x 15

Heating & Cooling

  • Heating features: Oil
  • Cooling features: Central Air

Interior Area

  • Total structure area: 1,488
  • Total interior livable area: 1,488 sqft

Kitchen

  • Level: Main
  • Dimensions: 23 x 11

Master Bedroom

  • Level: Main
  • Dimensions: 15 x 11

Property

Details

  • Parcel number: C1800019330016
  • Zoning: Residential
  • Zoning description: Residential

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Patio,Porch
  • Exterior features: Porch,Patio,Storage

Lot

  • Lot size: 0.53 Acres
  • Lot size dimensions: .53 acres

Parking

  • Total spaces: 2
  • Parking features: Attached,Garage,Two Car 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

  • Cold Wave
    Cold WaveRelatively High
  • Tornado
    TornadoRelatively High
  • Inland Flooding
    Inland FloodingModerate
  • Ice Storm
    Ice StormModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Tornado
Inland Flooding
Ice Storm
Lightning
Strong Wind
Winter Weather

FEMA Declared Disasters Across Ohio Counties

Flood
Tornado

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 $1,618$19,416
Home Insurance *$177$2,124
Property Taxes $309$3,708
Electricity $193$2,320
Total$2,297$27,564
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$78,754/yr
40% on housing$68,910/yr
45% on housing$61,253/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: 13.1%
13.1%
0%30.0%
Electricity Growth Rate10-year average: 5.9%
5.9%
0%15.0%
Property Taxes Growth Rate2-year average: 1.2%
1.2%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$215This listing

vs Other Active Listings

Avg $/sqft

ZIP 45044$157
Butler County$163

vs Homes Sold Last Month

Median $/sqft

ZIP 45044$168
Butler County$169

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
2026-06-22Listed for sale$320,000
2025-11-23Listing removed$1,950
2025-11-02Listed for rent$1,950
2023-07-15Listing removed--
2023-06-21Price change$1,950
2023-06-17Listed for rent$2,250
2023-06-16Sold$184,000

For Sale by Agent

AgentAmy King
BrokerageSibcy Cline Inc.

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