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95 Shipherd Cir, Oberlin, OH, 44074

4beds
3baths
3,180sqft
$399,000
$125price/sqft
$3,030/moest. monthly cost
$121,200/yrincome needed

About This Home

Spacious Colonial home, one of a kind layout located in historic Oberlin, Ohio. Features include a very unique floor plan which includes a first-floor master suite and bath. Bright and airy living room. Family room with fireplace, and large eat-in kitchen with sliding door to open deck overlooking the panoramic back yard. Three bedrooms on upper level and a full bath! (3 full baths in total). Second family room on lower level. Very private and comfortable. Large storage room on this level that could be a fifth bedroom or office. Seeing is believing...call to make your appointment to see this unique home.

Getting Around

19
WalkingCar-Dependent
0
TransitVery Limited Transit
61
BikeBikeable

Schools

7/10
7/10
Langston Middle SchoolGrades 6-80.8 mi
6/10
Oberlin High SchoolGrades 9-120.8 mi

Construction

Condition

  • Property condition: Updated/Remodeled
  • Year built: 1961

Materials

  • Foundation: Block
  • Roof: Asphalt,Fiberglass
  • Construction materials: Brick,Vinyl Siding

Other

  • Builder name: Lahetla

Type & Style

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

Interior

Appliances

  • Appliances included: Dryer,Dishwasher,Disposal,Microwave,Range,Refrigerator,Washer
  • Laundry features: In Basement,Lower Level,Laundry Room

Basement

  • Has basement: Yes
  • Basement: Partially Finished,Storage Space,Sump Pump

Bathroom

  • Level: Second

Bedroom

  • Level: Second

Bedroom

  • Level: Second

Bedroom

  • Level: Second

Bedrooms & Bathrooms

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

Bonus Room

  • Level: Lower

Dining Room

  • Level: First

Eat In Kitchen

  • Level: First

Family Room

  • Level: Lower

Features

  • Window features: Blinds,Bay Window(s),Double Pane Windows,Insulated Windows,Screens,Shutters
  • Number of fireplaces: 1
  • Fireplace features: Family Room
  • Fireplace: Yes
  • Finished area below ground: 952
  • Finished area above ground: 2,228

Great Room

  • Level: First

Heating & Cooling

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

Interior Area

  • Total structure area: 3,180
  • Total interior livable area: 3,180 sqft

Laundry

  • Level: Lower

Living Room

  • Level: First

Primary Bathroom

  • Level: First

Primary Bedroom

  • Level: First

Utility Room

  • Level: Lower

Property

Details

  • Parcel number: 0900087106010
  • Special condition: Standard

Features

  • Levels: Three Or More
  • Pool features: Community
  • Exterior features: Private Yard
  • Has view: Yes
  • View description: Park/Greenbelt,Neighborhood,Panoramic

Lot

  • Lot size: 0.45 Acres
  • Features: Back Yard,Cleared,City Lot,Front Yard,Gentle Sloping,Few Trees

Parking

  • Parking features: Additional Parking,Concrete,Driveway,Garage,Garage Door Opener,Inside Entrance
  • 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
  • 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 $2,017$24,204
Home Insurance *$217$2,604
Property Taxes $455$5,460
Electricity $341$4,092
Total$3,030$36,360
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$103,885/yr
40% on housing$90,900/yr
45% on housing$80,800/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

$125This listing

vs Other Active Listings

Avg $/sqft

ZIP 44074$148
Lorain County$149

vs Homes Sold Last Month

Median $/sqft

ZIP 44074$154
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
2025-12-04Price change$429,000
2025-09-22Price change$439,000
2025-06-19Price change$445,000
2025-04-11Listed for sale$449,000

For Sale by Agent

AgentDaniel Zack
BrokerageHoward Hanna

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