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1325 Clay St, Cincinnati, OH, 45202

5beds
4baths
3,024sqft
$1,050,000
$347price/sqft
$7,703/moest. monthly cost
$308,120/yrincome needed

About This Home

Superior craftsmanship + artistic vision abound in this beautifully restored residence in OTR! This stunning home boasts 5 bedrooms, 3.5 bathrooms, 3000+ sqft. 2 full kitchens - one w large butlers pantry - with custom cabinets, walnut countertops, high-end appliances. Expansive owner's suite w attached bath ft clawfoot tub, shower, double vanity + ultra-convenient laundry area! Large bedrooms + baths. High ceilings, refinished hardwood flooring, exposed brick, cherrywood banisters, retro restored lighting, solid wood shutters on every floor. Private patio. All new plumbing and electrical, and new roof. Spacious basement with ample storage. Near some of the city's most popular restaurants, shops, parks and sports venues in Downtown Cincinnati and OTR! This one-of-a-kind property gives the buyer options - great as an owner occupied property, multi-family or short-term rental. Nothing has been overlooked! This is THE home you've been looking for!

Getting Around

97
WalkingWalker's Paradise
75
TransitExcellent Transit
70
BikeVery Bikeable

Schools

4/10
3/10
Hughes STEM High SchoolGrades 7-121.3 mi
8/10
Walnut Hills High SchoolGrades 5-122.7 mi

Construction

Condition

  • Year built: 1880

Materials

  • Foundation: Stone
  • Roof: Membrane
  • Construction materials: Brick

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Oven/Range,Refrigerator,Washer,Wine Cooler,Gas Water Heater

Basement

  • Has basement: Yes
  • Basement: Full,Concrete,Unfinished

Bathroom1

  • Features: Full
  • Level: First

Bathroom2

  • Features: Full
  • Level: Second

Bathroom3

  • Features: Full
  • Level: Fourth

Bathroom4

  • Features: Partial
  • Level: Third

Bedroom2

  • Level: Second
  • Area: 240

Bedroom3

  • Level: Second
  • Area: 192

Bedroom4

  • Level: Third
  • Area: 156

Bedroom5

  • Level: Third
  • Area: 156

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 4
  • Full bathrooms: 3
  • 1/2 bathrooms: 1

Dining Room

  • Features: Wood Floor
  • Level: First
  • Area: 120

Family Room

  • Features: Fireplace,Wood Floor
  • Area: 360

Features

  • High Ceilings,Crown Molding,Natural Woodwork
  • Door features: Multi Panel Doors
  • Window features: Vinyl,Insulated Windows,Skylight(s)
  • Number of fireplaces: 6
  • Fireplace features: Brick,Family Room,Living Room
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Forced Air,Gas
  • Cooling features: Central Air,Mini-Split

Interior Area

  • Total structure area: 3,024
  • Total interior livable area: 3,024 sqft

Kitchen

  • Features: Butler's Pantry,Pantry,Eat-in Kitchen,Kitchen Island,Wood Cabinets,Wood Floor
  • Area: 144

Living Room

  • Features: Fireplace,Wood Floor
  • Area: 120

Master Bathroom

  • Features: Shower,Double Vanity,Tub,Wood Floor

Master Bedroom

  • Features: Bath Adjoins,Walk-In Closet(s),Dressing Area,Wood Floor,Skylight
  • Level: 4
  • Area: 288

Office

  • Area: 0

Property

Details

  • Parcel number: 0800002026400
  • Zoning description: Residential

Features

  • Stories: 3
  • Patio & porch: Patio
  • Fencing: Privacy,Vinyl,Wood
  • Has view: Yes
  • View description: City

Lot

  • Lot size: 1,481 sqft
  • Features: Less than .5 Acre
  • Lot size dimensions: 19 x 77

Parking

  • Parking features: On Street,Other
  • Has uncovered spaces: Yes

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

  • Heat Wave
    Heat WaveModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Heat Wave
Tornado

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 $5,309$63,708
Home Insurance *$283$3,396
Property Taxes $1,787$21,444
Electricity $324$3,891
Total$7,703$92,436
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$264,102/yr
40% on housing$231,090/yr
45% on housing$205,413/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: 12.2%
12.2%
0%30.0%
Electricity Growth Rate10-year average: 5.9%
5.9%
0%15.0%
Property Taxes Growth Rate2-year average: 2.4%
2.4%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$347This listing

vs Other Active Listings

Avg $/sqft

ZIP 45202$225
Hamilton County$188

vs Homes Sold Last Month

Median $/sqft

ZIP 45202$291
Hamilton County$165

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
2026-02-13Listed for sale$1,150,000
2026-02-13Listing removed$1,390,000
2025-02-17Listed for sale$1,390,000
2025-01-22Listing removed$1,390,000
2024-10-22Listed for sale$1,390,000
2024-06-26Listing removed$1,390,000
2024-03-15Listed for sale$1,390,000
2024-02-29Listing removed--
2023-09-09Listed for sale$1,670,000
2023-09-09Listing removed$1,670,000
2023-06-08Listed for sale$1,970,000
2017-11-27Sold$450,000
2017-11-16Pending sale$455,000
2017-11-14Listed for sale$455,000
2017-03-28Listing removed$529,000
2017-01-17Price change$529,000
2016-10-04Price change$598,000
2016-09-28Listed for sale$649,000
2015-06-05Sold$358,000
2015-04-29Pending sale$369,000
2015-04-02Listed for sale$369,000
2015-01-08Listing removed$349,000
2014-11-04Pending sale$349,000
2014-10-13Listed for sale$349,000
2011-04-14Sold$42,500
2002-02-06Sold$40,000

For Sale by Agent

AgentAdam G Marit
BrokerageReal Link

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