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529 Baltimore St, Middletown, OH, 45044

6beds
2baths
2,340sqft
$218,000
$93price/sqft
$1,683/moest. monthly cost
$67,320/yrincome needed

About This Home

Discover an exceptional income-producing investment opportunity in Middletown, where income potential meets comfortable living. This distinguished multi-family residence, offering 2-4 units, presents a unique chance to acquire a valuable asset in a thriving community, currently generating $1900 gross per month. Boasting a generous 2340 square feet of living space across two stories, this property provides ample room for tenants while ensuring a desirable lifestyle. The structure includes a total of six bedrooms, with three in each unit, and two full bathrooms, one in each unit, catering to diverse occupancy needs. Each unit benefits from practical features such as 220 Volt electrical service, ensuring modern appliance compatibility and efficiency. The exterior provides welcoming spaces for relaxation and enjoyment, with both a charming patio and a classic porch. Situated on a substantial 0.11-acre lot, the property offers a blend of urban convenience and a sense of personal space. This Middletown location provides access to local amenities and a vibrant neighborhood atmosphere, making it an attractive prospect for long-term residents and savvy investors alike. Embrace the opportunity to enhance your portfolio with this well-maintained and income-generating property on Baltimore Street.

Getting Around

43
WalkingCar-Dependent
27
TransitSome Transit
45
BikeSomewhat Bikeable

Schools

3/10
5/10
2/10
Middletown High SchoolGrades 9-122.8 mi

Construction

Condition

  • Year built: 1900

Materials

  • Construction materials: Aluminum Siding,Vinyl Siding

Type & Style

  • Home type: MultiFamily
  • Property subType: Multi Family

Interior

Basement

  • Has basement: Yes
  • Basement: Full

Bedrooms & Bathrooms

  • Bedrooms: 6
  • Bathrooms: 2
  • Full bathrooms: 2

Heating & Cooling

  • Heating features: Natural Gas
  • Cooling features: Window Unit(s)

Interior Area

  • Total structure area: 2,340
  • Total interior livable area: 2,340 sqft

Property

Details

  • Parcel number: Q6541002000092
  • Zoning: Residential
  • Zoning description: Residential

Lot

  • Lot size: 4,791 sqft
  • Lot size dimensions: 115 x 40

Parking

  • Parking features: No Garage

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
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate
  • Tornado
    TornadoModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Inland Flooding
Lightning
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 $1,102$13,224
Home Insurance *$121$1,452
Property Taxes $210$2,520
Electricity $250$3,011
Total$1,683$20,196
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$57,702/yr
40% on housing$50,490/yr
45% on housing$44,880/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

$93This listing

vs Other Active Listings

Avg $/sqft

ZIP 45044$158
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
2026-04-16Listed for sale$238,000
2018-10-04Listing removed$68,500
2018-04-06Listed for sale$68,500
2010-11-29Sold$28,000
2008-04-28Sold$15,000
2008-03-08Listed for sale$27,225
2007-05-10Sold$39,800
2005-01-04Sold$85,000
2000-09-14Sold$45,000
1994-07-06Sold$39,000

For Sale by Agent

AgentMark J Peebles
BrokerageNavX Realty, LLC

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