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3871 Vine St, Cincinnati, OH, 45217

6beds
2baths
2,820sqft
$290,000
$103price/sqft
$2,302/moest. monthly cost
$92,080/yrincome needed

About This Home

Fantastic investor opportunity with this spacious duplex offering stable cash flow and massive unit layouts in North Avondale! Peacefully set back from Vine Street, the property also features dedicated off-street parking for tenants. Unit 1 features a renovated kitchen and bathroom, a screened-in rear porch, expansive living and dining areas, and a flexible floor plan that can function as either a 2-bedroom or 3-bedroom unit. Unit 2 offers similarly generous room sizes, large living and dining areas, and a flexible 2-bedroom or 3-bedroom configuration along with 2 balconies. Both units are occupied by long-term tenants who have recently signed new two-year leases at $1,400/month each, providing stable and predictable income from day one. Tenants pay their own heat and electric, ensuring low operating expenses. The property has been meticulously maintained, and CAPEX items are in great shape, further contributing to the low operating expense model.

Getting Around

41
WalkingCar-Dependent
46
TransitSome Transit
25
BikeSomewhat Bikeable

Schools

7/10
9/10
Walnut Hills High SchoolGrades 7-121.8 mi
3/10
Hughes STEM High SchoolGrades 7-122.1 mi

Construction

Condition

  • Year built: 1880

Materials

  • Foundation: Stone
  • Roof: Shingle,Membrane
  • Construction materials: Brick,Vinyl Siding

Type & Style

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

Interior

Basement

  • Has basement: Yes
  • Basement: Full

Bedrooms & Bathrooms

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

Features

  • Window features: Vinyl
  • Number of fireplaces: 4
  • Fireplace features: Brick,Gas
  • Fireplace: Yes

Heating & Cooling

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

Interior Area

  • Total structure area: 2,820
  • Total interior livable area: 2,820 sqft

Property

Details

  • Parcel number: 2180055000300
  • Zoning description: Residential,Multi Family

Features

  • Levels: Two
  • Stories: 2
  • Patio & porch: Patio,Porch,Enclosed Patio,Enclosed Porch
  • Exterior features: Balcony

Lot

  • Lot size: 0.39 Acres
  • Features: Busline Near

Parking

  • Total spaces: 4
  • Parking features: Asphalt,Parking Lot,Off Street,Driveway,Private
  • 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 $1,466$17,592
Home Insurance *$170$2,040
Property Taxes $364$4,368
Electricity $302$3,629
Total$2,302$27,624
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$78,925/yr
40% on housing$69,060/yr
45% on housing$61,386/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

$103This listing

vs Other Active Listings

Avg $/sqft

ZIP 45217$128
Hamilton County$188

vs Homes Sold Last Month

Median $/sqft

ZIP 45217$169
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
2026-06-24Listed for sale$290,000

For Sale by Agent

AgentBret Halsey
BrokerageEllsbury Commercial Group

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