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3805 Central Ave, Middletown, OH, 45044

3beds
3baths
1,159sqft
$260,000
$224price/sqft
$1,902/moest. monthly cost
$76,080/yrincome needed

About This Home

Beautifully maintained and thoughtfully updated, this charming Cape Cod blends timeless character with modern convenience. Rich hardwood floors, custom built-ins, and distinctive architectural details create a warm and inviting atmosphere throughout. The main level features a living room with fireplace, dining room, updated kitchen, first-floor primary bedroom, and full bath with a jetted tub and Alexa-enabled exhaust fan. Enjoy relaxing or entertaining in the screened sun porch. Upstairs offers two additional bedrooms and a second full bath. A partially finished basement with a half bath provides valuable bonus living space for recreation, work, or entertaining. Outside, the privacy-fenced backyard is perfect for relaxing, gardening, pets, or gatherings. Additional highlights include a one-car garage with attached carport. Conveniently located near shopping, dining, entertainment, public transportation, and I-75, this move-in-ready home is a must-see.

Getting Around

33
WalkingCar-Dependent
19
TransitMinimal Transit
32
BikeSomewhat Bikeable

Schools

5/10
2/10
Middletown High SchoolGrades 9-121.1 mi
6/10
Middletown Middle SchoolGrades 7-81.0 mi

Construction

Condition

  • Year built: 1942

Materials

  • Construction materials: Aluminum Siding,Vinyl Siding

Type & Style

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

Interior

Basement

  • Has basement: Yes
  • Basement: Full

Bedroom

  • Level: Second
  • Dimensions: 10 x 12

Bedroom

  • Level: Second
  • Dimensions: 10 x 12

Bedrooms & Bathrooms

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

Dining Room

  • Level: Main
  • Dimensions: 9 x 10

Entry Foyer

  • Level: Main
  • Dimensions: 10 x 5

Family Room

  • Level: Lower
  • Dimensions: 11 x 17

Heating & Cooling

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

Interior Area

  • Total structure area: 1,159
  • Total interior livable area: 1,159 sqft

Kitchen

  • Level: Main
  • Dimensions: 11 x 13

Living Room

  • Level: Main
  • Dimensions: 15 x 12

Master Bedroom

  • Level: Main
  • Dimensions: 14 x 18

Property

Details

  • Parcel number: Q6531055000226
  • Zoning: Residential
  • Zoning description: Residential

Features

  • Levels: Two
  • Stories: 2

Lot

  • Lot size: 7,183 sqft
  • Lot size dimensions: 115 x 220

Parking

  • Total spaces: 1
  • Parking features: Detached,Garage,One Car Garage
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1

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 WaveModerate
  • Tornado
    TornadoModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Tornado
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 $1,314$15,768
Home Insurance *$144$1,728
Property Taxes $251$3,012
Electricity $193$2,320
Total$1,902$22,824
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$65,211/yr
40% on housing$57,060/yr
45% on housing$50,720/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

$224This 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
2026-08-11Listed for sale$260,000
2026-08-03Pending sale$260,000
2026-06-30Listed for sale$260,000
2026-06-23Pending sale$260,000
2026-06-11Listed for sale$260,000
2021-11-02Sold$160,000
2021-10-01Pending sale$165,000
2021-07-10Listed for sale$165,000
2021-03-24Listing removed--
2017-06-03Listing removed$1,085
2017-05-20Listed for rent$1,085
1996-07-26Sold$89,000

For Sale by Agent

AgentBarbara J Chasteen
BrokerageColdwell Banker Heritage

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