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3520 Saint Martins Pl, Cincinnati, OH, 45211

3beds
3baths
1,434sqft
$229,000
$160price/sqft
$1,774/moest. monthly cost
$70,960/yrincome needed

About This Home

Beautiful 3-bedroom, 2.5-bath bungalow offering comfortable living space in a quiet, desirable neighborhood in Cheviot. This well-maintained home features stunning natural woodwork throughout, a beautifully updated kitchen with stainless steel appliances and granite countertops, and numerous mechanical updates, including a new roof for added peace of mind. Enjoy the convenience of a detached two-car garage and a functional layout that blends timeless character with modern amenities. Move-in ready and ideally located near shopping, dining, parks, and downtown Cincinnati, this home is a fantastic opportunity you won't want to miss.

Getting Around

62
WalkingSomewhat Walkable
46
TransitSome Transit
41
BikeSomewhat Bikeable

Schools

Construction

Condition

  • Year built: 1928

Materials

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

Type & Style

  • Home type: SingleFamily
  • Architectural style: Cape Cod
  • Property subType: Single Family Residence

Interior

Appliances

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

Basement

  • Has basement: Yes
  • Basement: Full,Bath/Stubbed,Concrete,Unfinished,Walk-Out Access

Bathroom1

  • Features: Full
  • Level: First

Bathroom2

  • Features: Full
  • Level: Second

Bathroom3

  • Features: Partial
  • Level: Basement

Bedroom2

  • Level: Second
  • Area: 210

Bedroom3

  • Level: First
  • Area: 238

Bedroom4

  • Area: 0

Bedroom5

  • Area: 0

Bedrooms & Bathrooms

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

Dining Room

  • Features: Chandelier,Wood Floor
  • Level: First
  • Area: 238

Family Room

  • Area: 0

Features

  • Natural Woodwork,Ceiling Fan(s)
  • Window features: Vinyl,Insulated Windows

Heating & Cooling

  • Heating features: Forced Air,Gas
  • Cooling features: Central Air

Interior Area

  • Total structure area: 1,434
  • Total interior livable area: 1,434 sqft

Kitchen

  • Features: Counter Bar,Walkout,Kitchen Island,Wood Cabinets,Wood Floor,Marble/Granite/Slate
  • Area: 204

Living Room

  • Features: Wood Floor
  • Area: 322

Master Bathroom

  • Features: Tile Floor,Tub,Jetted Tub,Marb/Gran/Slate

Master Bedroom

  • Features: Wood Floor
  • Level: Second
  • Area: 225

Office

  • Area: 0

Property

Details

  • Parcel number: 5510010001900

Features

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

Lot

  • Lot size: 6,403 sqft
  • Features: Less than .5 Acre
  • Lot size dimensions: 41 x 157

Parking

  • Parking features: On Street,Driveway
  • 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

  • Tornado
    TornadoRelatively High
  • Cold Wave
    Cold WaveModerate
  • Heat Wave
    Heat WaveModerate

How This Home’s Risks Compare

Tornado
Cold Wave
Heat Wave

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 $1,157$13,884
Home Insurance *$136$1,632
Property Taxes $288$3,456
Electricity $193$2,320
Total$1,774$21,288
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$60,822/yr
40% on housing$53,220/yr
45% on housing$47,306/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

$160This listing

vs Other Active Listings

Avg $/sqft

ZIP 45211$137
Hamilton County$188

vs Homes Sold Last Month

Median $/sqft

ZIP 45211$139
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
2026-08-06Price change$220,000
2026-07-24Price change$229,000
2026-07-15Price change$236,500
2026-06-18Listed for sale$245,000
2021-12-06Sold$185,000
2021-11-05Pending sale$164,900
2021-11-03Listed for sale$164,900
2018-10-04Sold$87,250
2018-09-24Pending sale$100,000
2018-09-18Listed for sale$100,000

For Sale by Agent

AgentDaniel J Morena
BrokerageHuff Realty

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