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4925 Ralph Ave, Cincinnati, OH, 45238

4beds
2baths
2,200sqft
$275,000
$125price/sqft
$2,120/moest. monthly cost
$84,800/yrincome needed

About This Home

Stately and Solid full brick 2 family on gorgeous tree lined street in the heart of the Covedale Garden District! Meticulously maintained and updated thruout! 2 car garage w/elec & new floor! Newer windows / Composite decks / Newer Vinyl railings and dormers! Roof approx 5 years / all knob & tube & cast iron replaced! New box gutters! New Chimney liners & chimney crown/cap! 1 bedroom apartment on first floor and 3 bedrooms on 2nd/3rd floor plus extra study on 3rd floor! Refin hardwood floors & carpet! Newer water heaters & Separate furnaces! Glass Block! 2 garage door openers and Full front porches for both units!

Getting Around

73
WalkingVery Walkable
45
TransitSome Transit
44
BikeSomewhat Bikeable

Schools

6/10
3/10

Construction

Condition

  • Year built: 1928

Materials

  • Foundation: Concrete Perimeter
  • Roof: Shingle
  • Construction materials: Brick

Type & Style

  • Home type: MultiFamily
  • Property subType: Multi Family,Duplex

Interior

Basement

  • Has basement: Yes
  • Basement: Full

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 2
  • Full bathrooms: 2

Features

  • Window features: Vinyl
  • Number of fireplaces: 2
  • Fireplace features: Gas,Inoperable
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Forced Air,Gas
  • Cooling features: Window Unit(s)

Interior Area

  • Total structure area: 2,200
  • Total interior livable area: 2,200 sqft

Property

Details

  • Parcel number: 1830002018800
  • Zoning description: Multi Family

Features

  • Stories: 3
  • Patio & porch: Deck,Porch

Lot

  • Lot size: 6,795 sqft
  • Lot size dimensions: 50 x 135

Parking

  • Total spaces: 6
  • Parking features: Parking Lot,Garage
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • Has uncovered spaces: Yes
  • Uncovered spaces: 4

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
  • Heat Wave
    Heat WaveModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Cold Wave
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 $1,390$16,680
Home Insurance *$149$1,788
Property Taxes $346$4,152
Electricity $235$2,831
Total$2,120$25,440
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$72,685/yr
40% on housing$63,600/yr
45% on housing$56,533/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

$125This listing

vs Other Active Listings

Avg $/sqft

ZIP 45238$127
Hamilton County$188

vs Homes Sold Last Month

Median $/sqft

ZIP 45238$149
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
2026-05-01Listed for sale$299,900
2026-04-30Pending sale$299,900
2026-04-22Listed for sale$299,900
1988-08-31Sold$65,000

For Sale by Agent

AgentChristina R. Mcclatchey
BrokerageHoeting, REALTORS

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