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537 3rd St, Elyria, OH, 44035

3beds
2baths
1,538sqft
$59,900
$39price/sqft
$598/moest. monthly cost
$23,920/yrincome needed

About This Home

Traditional Century Home With Spacious Living Spaces And Huge Eat-in Kitchen. Garage In Back, And Back Yard Made For Playing, Planting Or Your Heart's Desire. Hardwood Floors In Many Rooms, With Built-in Hardwood Cabinets In Part Of Kitchen Leading To Dining Room For Serving. Great Home For First Time Home Buyers And Those Wishing To Put Their Own Stamp On This Home!

Getting Around

46
WalkingCar-Dependent
0
TransitVery Limited Transit
56
BikeBikeable

Schools

2/10
5/10
Westwood Middle SchoolGrades 5-82.5 mi
3/10
Elyria High SchoolGrades 9-120.3 mi

Construction

Materials

  • Foundation: Basement
  • Roof: Asphalt
  • Construction materials: Vinyl Siding

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dryer,Range,Refrigerator,Washer
  • Laundry features: None

Basement

  • Has basement: Yes
  • Basement: Partial

Bathroom

  • Level: Main

Bathroom3

  • Level: Second

Bedroom2

  • Level: Second
  • Area: 132

Bedroom3

  • Level: Main
  • Area: 100

Bedroom4

  • Area: 0

Bedroom5

  • Area: 0

Bedrooms & Bathrooms

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

Dining Room

  • Features: Formal
  • Level: Main
  • Area: 195

Family Room

  • Area: 0

Features

  • Ceiling Fan(s)
  • Fireplace features: Decorative
  • Fireplace: Yes

Heating

  • Heating features: Gas,Forced Air

Interior Area

  • Total structure area: 1,538
  • Total interior livable area: 1,538 sqft

Kitchen

  • Level: Main
  • Area: 260

Living Room

  • Level: Main
  • Area: 240

Master Bedroom

  • Level: Second
  • Area: 192

Property

Details

  • Parcel number: 0624111000021

Features

  • Levels: Two
  • Stories: 2

Lot

  • Lot size: 0.25 Acres

Parking

  • Total spaces: 1
  • Parking features: Detached,Off Street
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1

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

How This Home’s Risks Compare

Cold Wave
Hail
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 $302$3,624
Home Insurance *$35$420
Property Taxes $68$816
Electricity $193$2,320
Total$598$7,176
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$20,502/yr
40% on housing$17,940/yr
45% on housing$15,946/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

$39This listing

vs Other Active Listings

Avg $/sqft

ZIP 44035$99
Lorain County$149

vs Homes Sold Last Month

Median $/sqft

ZIP 44035$144
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)

No zestimate history available

Price History

DateEventPrice
2026-04-28Price change$86,900
2026-04-06Price change$89,900
2026-02-04Price change$99,900
2026-01-05Price change$102,900
2025-12-09Price change$104,900
2025-11-24Price change$124,900
2025-11-06Listed for sale$144,900
2023-02-23Listing removed$74,500
2023-01-31Price change$74,500
2022-12-04Listed for sale$89,500
2010-06-09Listing removed$35,000
2009-12-12Listed for sale$35,000

For Sale by Agent

AgentJeanette K. Smith
BrokerageRussell Real Estate Services

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