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818 Phillips Ave, Toledo, OH, 43612

3beds
2baths
1,749sqft
$100,000
$57price/sqft
$944/moest. monthly cost
$37,760/yrincome needed

About This Home

COME CHECK THIS CLEAN DUPLEX!!! Each unit comes with appliances. BOTH SIDES RENTED OUT LONG TERM TENANTS. The basement, which is clean and dry has washer and dryer access. The 1bed/1bath downstairs unit is occupied at $750.00. Long term tenant has asked to stay for another year which started 5-1-26 The upstairs unit is 2bed/1bath and is rented for $775.00 Both units have smoke and carbon monoxide detectors. No recent maintenance work orders at this location. NEW FURNACE 4YR OLD WH ROOF IN GOOD CONDITION. Live in 1 side (for free) while you rent the other side and pay for your mortgage on this. This is where your dream of an investor begins.

Getting Around

75
WalkingVery Walkable
0
TransitVery Limited Transit
52
BikeBikeable

Schools

3/10
1/10
Start High SchoolGrades 9-121.6 mi

Construction

Condition

  • Year built: 1912

Materials

  • Foundation: Block
  • Roof: Shingle
  • Construction materials: Vinyl Siding

Type & Style

  • Home type: MultiFamily
  • Property subType: Duplex

Interior

Appliances

  • Appliances included: Refrigerator
  • Laundry features: Electric Dryer Hookup,In Basement

Basement

  • Has basement: Yes
  • Basement: Block

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2

Features

  • Storage
  • Flooring: Vinyl

Heating & Cooling

  • Heating features: Forced Air
  • Cooling features: Wall Unit(s)

Interior Area

  • Total structure area: 1,749
  • Total interior livable area: 1,749 sqft

Property

Details

  • Parcel number: 1834517

Lot

  • Lot size: 4,791 sqft
  • Features: Corner Lot
  • Lot size dimensions: 40X117

Parking

  • Total spaces: 4
  • Parking features: Accessible Parking,Gravel,Parking Lot,Additional Parking,Driveway
  • Has uncovered spaces: Yes

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

  • Tornado
    TornadoModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

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 $505$6,060
Home Insurance *$108$1,296
Property Taxes $138$1,656
Electricity $193$2,320
Total$944$11,328
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$32,365/yr
40% on housing$28,320/yr
45% on housing$25,173/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

$57This listing

vs Other Active Listings

Avg $/sqft

ZIP 43612$65
Lucas County$108

vs Homes Sold Last Month

Median $/sqft

ZIP 43612$100
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)

Price History

DateEventPrice
2026-07-25Price change$100,000
2026-07-09Price change$106,000
2026-06-02Listed for sale$110,000
2025-06-23Sold$90,800
2025-06-14Listing removed$695
2025-03-13Price change$695
2025-02-03Price change$650
2025-01-08Price change$675
2024-08-18Listed for rent$700
2023-09-14Listing removed--
2023-08-29Listed for rent$650
2023-07-08Listing removed--
2023-06-21Listed for rent$650
2023-06-16Listing removed--
2023-03-18Listed for sale$83,000
2022-10-30Listing removed--
2022-09-11Price change$99,900
2022-09-05Pending sale$105,000
2022-07-09Listed for sale$105,000
2021-12-10Listing removed--
2021-09-10Listed for rent$550
2021-01-29Sold$62,800
2020-11-11Listed for sale$69,900
2020-09-01Listing removed$64,900
2020-06-22Listed for sale$64,900
2020-06-09Pending sale$64,900
2018-07-25Sold$21,000
2011-02-24Sold$35,000

For Sale by Agent

AgentAmanda Contreras
BrokerageSerenity Realty LLC

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