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637 Elmore St, Toledo, OH, 43605

3beds
2baths
2,430sqft
$84,900
$35price/sqft
$973/moest. monthly cost
$38,920/yrincome needed

About This Home

Welcome to this well-maintained duplex offering flexibility for owner-occupants or investors alike. The first-floor unit is a spacious 1 bed, 1 bath with 1,374 sq ft of living space, featuring original hardwood floors, windows that flood the space with natural light, and an open, airy layout. The large kitchen and dining room offer plenty of room to entertain. Upstairs, the 2 bed, 1 bath unit boasts 1,056 sq ft with an updated bathroom, fresh paint, and new carpet throughout — currently leased at $800/month through June 2027, providing immediate rental income. Prime location right across from Prentice Park — green space views from both units. Don't miss this opportunity to own a solid, income-producing duplex in a great location!

Getting Around

64
WalkingSomewhat Walkable
0
TransitVery Limited Transit
50
BikeBikeable

Schools

4/10
3/10
Waite High SchoolGrades 9-120.6 mi

Construction

Condition

  • Year built: 1897

Materials

  • Foundation: Combination,Crawl Space
  • Roof: Asphalt
  • Construction materials: Vinyl Siding

Type & Style

  • Home type: MultiFamily
  • Property subType: Duplex

Interior

Appliances

  • Appliances included: Electric Cooktop,Refrigerator
  • Laundry features: Other

Basement

  • Has basement: Yes
  • Basement: Partial,Unfinished

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2

Features

  • Other
  • Flooring: Carpet,Hardwood

Heating & Cooling

  • Heating features: Boiler,Forced Air
  • Cooling features: None

Interior Area

  • Total structure area: 2,430
  • Total interior livable area: 2,430 sqft

Property

Details

  • Parcel number: 1627277

Lot

  • Lot size: 6,098 sqft
  • Features: Corner Lot
  • Lot size dimensions: 50X120

Parking

  • Parking features: Off Street

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
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Cold Wave
Hail
Ice Storm
Strong Wind
Tornado
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 $429$5,148
Home Insurance *$167$2,004
Property Taxes $117$1,404
Electricity $260$3,127
Total$973$11,676
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$33,360/yr
40% on housing$29,190/yr
45% on housing$25,946/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: 6.9%
6.9%
0%30.0%
Electricity Growth Rate10-year average: 5.9%
5.9%
0%15.0%
Property Taxes Growth Rate2-year average: -0.7%
-0.7%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$35This listing

vs Other Active Listings

Avg $/sqft

ZIP 43605$45
Lucas County$108

vs Homes Sold Last Month

Median $/sqft

ZIP 43605$57
Lucas County$125

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
2026-07-10Listed for sale$84,900
2006-01-24Sold$38,500

For Sale by Agent

AgentEric Puffenberger
BrokerageW & R Property Management

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