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538 Howell Ave, Cincinnati, OH, 45220

4beds
3baths
2,256sqft
$168,000
$74price/sqft
$1,367/moest. monthly cost
$54,680/yrincome needed

About This Home

This is a foreclosure auction. Min. Bid $168,000. Online bidding opens on 9/2/2026 at 9:00 AM. Online bidding closes on 9/9/2026 at 3:00 PM. Built in 1895, this 4-bedroom, 2.5-bath brick home in Cincinnati offers 2,797 square feet of living space along with genuine old-world charm and character throughout. The solid brick construction speaks to its craftsmanship, and a full walkout basement adds valuable extra space and easy outdoor access. Located on Howell Ave, this Clifton-area property combines historic character with proximity to campus, making it a standout find in a well-established Cincinnati neighborhood. No interior access. Do not trespass or disturb the homeowner or occupant! It's a crime to trespass on the property. 5% buyer's premium applies. Register your price now!

Getting Around

80
WalkingVery Walkable
53
TransitGood Transit
71
BikeVery Bikeable

Schools

Construction

Condition

  • Year built: 1895

Materials

  • Roof: Asphalt
  • Construction materials: Brick Siding

Type & Style

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

Interior

Bedrooms & Bathrooms

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

Features

  • Finished area above ground: 2,256

Heating

  • Heating features: Has Heating (Unspecified Type)

Interior Area

  • Total structure area: 2,256
  • Total interior livable area: 2,256 sqft

Property

Details

  • Parcel number: 000000000.0000000005.000
  • Lease amount: 0
  • Special condition: In Foreclosure

Features

  • Frontage length: 0

Lot

  • Lot size: 3,484 sqft

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 $849$10,188
Home Insurance *$66$792
Property Taxes $211$2,532
Electricity $241$2,903
Total$1,367$16,404
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$46,868/yr
40% on housing$41,010/yr
45% on housing$36,453/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

$74This listing

vs Other Active Listings

Avg $/sqft

ZIP 45220$195
Hamilton County$188

vs Homes Sold Last Month

Median $/sqft

ZIP 45220$190
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)

No zestimate history available

Price History

DateEventPrice
2009-09-10Sold$150,000
2009-06-12Price change$159,400
2009-05-17Listed for sale$167,800
2009-01-27Sold$134,000
2004-04-14Sold$177,000
1997-04-24Sold$117,500
1996-08-14Sold$96,000

Unknown Listed By

AgentBeth Rose
BrokerageBeth Rose Real Estate and Auctions

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