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7499 Harding St, Mentor, OH, 44060

3beds
3baths
1,661sqft
$320,900
$193price/sqft
$2,331/moest. monthly cost
$93,240/yrincome needed

About This Home

Great opportunity to own this 3 Bedroom Split Level on deep lot in Mentor! Main level includes foyer entry open to Living Room, Dining Room with slider to back patio & Eat-in Kitchen with all appliances. Master Bedroom with hardwood floors, double closets & half bath. 2 additional bedrooms & full guest bath with double sink vanity. Spacious lower level Family Room with LVT flooring, brick wood burning fireplace, bonus room, laundry area & half bath. New Roof 2025. Central air. 2+car attached garage & double wide concrete driveway. This home will need your cosmetic/personal touches and improvements to make it your own, selling AS-IS. Close to all the Mentor conveniences including shopping, restaurants, schools and easy freeway access!

Getting Around

17
WalkingCar-Dependent
0
TransitVery Limited Transit
28
BikeSomewhat Bikeable

Schools

6/10
7/10
Shore Middle SchoolGrades 6-83.2 mi
8/10
Mentor High SchoolGrades 9-122.2 mi

Construction

Condition

  • Year built: 1967

Materials

  • Roof: Asphalt,Fiberglass
  • Construction materials: Aluminum Siding,Brick

Type & Style

  • Home type: SingleFamily
  • Architectural style: Split Level
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Built-In Oven,Cooktop,Dishwasher,Microwave,Refrigerator
  • Laundry features: Lower Level

Basement

  • Basement: None

Bedroom

  • Level: Second

Bedroom

  • Level: Second

Bedrooms & Bathrooms

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

Bonus Room

  • Level: Lower

Dining Room

  • Level: First

Eat In Kitchen

  • Level: First

Family Room

  • Level: Lower

Features

  • Number of fireplaces: 1
  • Fireplace features: Family Room,Wood Burning
  • Fireplace: Yes
  • Finished area above ground: 1,661

Heating & Cooling

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

Interior Area

  • Total structure area: 1,661
  • Total interior livable area: 1,661 sqft

Living Room

  • Level: First

Primary Bedroom

  • Level: Second

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 16C070C000010
  • Special condition: Estate

Features

  • Levels: One and One Half,Multi/Split
  • Pool features: None
  • Patio & porch: Patio

Lot

  • Lot size: 0.39 Acres
  • Lot size dimensions: 80 x 215

Parking

  • Total spaces: 2
  • Parking features: Attached,Concrete,Driveway,Garage
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

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

  • Winter Weather
    Winter WeatherRelatively High
  • Strong Wind
    Strong WindModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Winter Weather
Strong Wind
Tsunami

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 $1,622$19,464
Home Insurance *$115$1,380
Property Taxes $401$4,812
Electricity $193$2,320
Total$2,331$27,972
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$79,920/yr
40% on housing$69,930/yr
45% on housing$62,160/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: 6.8%
6.8%
0%30.0%
Electricity Growth Rate10-year average: 5.9%
5.9%
0%15.0%
Property Taxes Growth Rate2-year average: -1.0%
-1.0%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$193This listing

vs Other Active Listings

Avg $/sqft

ZIP 44060$157
Lake County$153

vs Homes Sold Last Month

Median $/sqft

ZIP 44060$175
Lake County$161

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
2026-05-09Pending sale$235,000
2026-05-07Listed for sale$235,000

For Sale by Agent

AgentDan McCaskey
BrokerageRE/MAX Revealty

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