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1308 W 21st St, Lorain, OH, 44052

5beds
2baths
1,848sqft
$165,000
$89price/sqft
$1,347/moest. monthly cost
$53,880/yrincome needed

About This Home

Classic colonial boasting over 1800 sqft of living space, perfect for those who appreciate traditional architecture with a desire to customize. Featuring 5 spacious bedrooms and 2 bathrooms, this home offers plenty of room for a growing family or those who love to entertain. The 2-car garage provides ample space for vehicles and storage. While this home exudes character and timeless appeal, it's also a fantastic opportunity to add your personal touch. The property needs some TLC, allowing you to bring your finishing touches and create the home of your dreams. New furnace, hot water tank and AC unit.

Getting Around

38
WalkingCar-Dependent
0
TransitVery Limited Transit
39
BikeSomewhat Bikeable

Schools

4/10
3/10
Lorain High SchoolGrades 9-120.3 mi

Construction

Condition

  • Year built: 1900

Materials

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

Type & Style

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

Interior

Basement

  • Has basement: Yes
  • Basement: Full

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 2
  • Full bathrooms: 2
  • Main level bathrooms: 1
  • Main level bedrooms: 1

Features

  • Number of fireplaces: 1
  • Fireplace: Yes
  • Finished area above ground: 1,848

Heating & Cooling

  • Heating features: Forced Air
  • Cooling features: Central Air,Wall/Window Unit(s)

Interior Area

  • Total structure area: 1,848
  • Total interior livable area: 1,848 sqft

Property

Details

  • Parcel number: 0202025120039
  • Attached to another structure: Yes
  • Special condition: Standard

Features

  • Levels: Two
  • Stories: 2

Lot

  • Lot size: 8,276 sqft

Parking

  • Total spaces: 2
  • Parking features: Detached,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

  • Cold Wave
    Cold WaveModerate
  • Hail
    HailModerate
  • Ice Storm
    Ice StormModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate
  • Winter Weather
    Winter WeatherModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Cold Wave
Hail
Ice Storm
Lightning
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 $834$10,008
Home Insurance *$127$1,524
Property Taxes $188$2,256
Electricity $198$2,378
Total$1,347$16,164
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$46,182/yr
40% on housing$40,410/yr
45% on housing$35,920/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

$89This listing

vs Other Active Listings

Avg $/sqft

ZIP 44052$94
Lorain County$149

vs Homes Sold Last Month

Median $/sqft

ZIP 44052$115
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
2026-07-23Listed for sale$165,000
2026-02-09Listing removed$165,000
2025-11-04Listed for sale$165,000
2022-03-22Listing removed--
2021-11-03Price change$115,000
2021-10-04Listed for sale$125,000

For Sale by Agent

AgentDanielle Hughes
BrokerageElite Class Realty LLC

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