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435 Thomas Alva Dr, Vermilion, OH, 44089

6beds
4baths
4,246sqft
$440,000
$104price/sqft
$3,361/moest. monthly cost
$134,440/yrincome needed

About This Home

Welcome to 435 Thomas Alva! A beautiful white stone single story home with finished basement offers ample space for everyone. This community also has a PRIVATE lakeside park with lake access that is exclusive to Edison Estates residents. The home features a breathtaking living room with soaring ceilings and a large kitchen with updated appliances with granite countertops as well as a spacious covered rear porch that allows you to comfortably enjoy the landscaped backyard that feels like your own peaceful park. The landscaping throughout the property offers maximum enjoyment and privacy. The 3 car garage can easily fit a 4th car in the tandem space and the garage also has a private basement entrance and private exterior entrance. The main floor offers 3 bedrooms, 2.5 baths, first floor laundry and a large owners suite with walk-in closet and en-suite bathroom. The basement features a large full bathroom, 3 bedrooms, and 2 large living spaces as well as large egress windows. The private park features a picnic area, recreation space, benches, and a small beach area for kayaks. These is no HOA here but there is an LOA with a fee of only $125/year. This is a rare find and it will not last long. Call for more info and schedule your showing today! A2A remarks in detail.

Getting Around

34
WalkingCar-Dependent
0
TransitVery Limited Transit
26
BikeSomewhat Bikeable

Schools

6/10
7/10
Vermilion High SchoolGrades 8-121.7 mi
6/10
Sailorway Middle SchoolGrades 4-72.0 mi

Construction

Condition

  • Year built: 2000

Materials

  • Foundation: Concrete Perimeter
  • Roof: Asphalt
  • Construction materials: Stone Veneer,Vinyl Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: Conventional,Ranch
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dryer,Dishwasher,Disposal,Microwave,Range,Refrigerator,Washer
  • Laundry features: Main Level

Basement

  • Has basement: Yes
  • Basement: Finished,Walk-Out Access,Sump Pump

Bedrooms & Bathrooms

  • Bedrooms: 6
  • Bathrooms: 4
  • Full bathrooms: 3
  • 1/2 bathrooms: 1
  • Main level bathrooms: 3
  • Main level bedrooms: 3

Features

  • Breakfast Bar,Ceiling Fan(s),Cathedral Ceiling(s),Entrance Foyer,Eat-in Kitchen,Granite Counters,High Ceilings,Pantry,Recessed Lighting,Walk-In Closet(s)
  • Window features: Double Pane Windows
  • Number of fireplaces: 1
  • Fireplace features: Family Room,Gas Log,Gas
  • Fireplace: Yes
  • Finished area below ground: 2,123
  • Finished area above ground: 2,123

Heating & Cooling

  • Heating features: Forced Air,Fireplace(s),Gas
  • Cooling features: Attic Fan,Central Air,Ceiling Fan(s)

Interior Area

  • Total structure area: 4,246
  • Total interior livable area: 4,246 sqft

Property

Accessibility

  • Accessibility features: Accessible Full Bath,Safe Emergency Egress from Home

Details

  • Parcel number: 0100002101094
  • Special condition: Standard

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Rear Porch,Covered,Enclosed,Front Porch,Patio,Porch
  • Exterior features: Private Yard
  • Fencing: Back Yard
  • Has view: Yes
  • View description: Neighborhood,Trees/Woods
  • Waterfront features: Lake Privileges

Lot

  • Lot size: 0.39 Acres
  • Features: Back Yard,Landscaped

Parking

  • Total spaces: 3
  • Parking features: Attached,Garage Faces Front,Garage,Garage Door Opener,Tandem
  • Has garage: Yes
  • Attached garage spaces: 3
  • Covered spaces: 3

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
  • Ice Storm
    Ice StormModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate
  • Winter Weather
    Winter WeatherModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Cold Wave
Ice Storm
Strong Wind
Tornado
Winter Weather
Tsunami

FEMA Declared Disasters Across Ohio Counties

Flood

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 $2,224$26,688
Home Insurance *$180$2,160
Property Taxes $502$6,024
Electricity $455$5,464
Total$3,361$40,332
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$115,234/yr
40% on housing$100,830/yr
45% on housing$89,626/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: 7.4%
7.4%
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

$104This listing

vs Other Active Listings

Avg $/sqft

ZIP 44089$245
Lorain County$149

vs Homes Sold Last Month

Median $/sqft

ZIP 44089$169
Lorain 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)

Price History

DateEventPrice
2026-08-05Contingent$440,000
2026-07-31Listed for sale$440,000
2002-07-03Sold$222,300
2000-03-15Sold$47,500

For Sale by Agent

AgentDavid S Greco
BrokerageBerkshire Hathaway HomeServices Professional Realty

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