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118 S Walnut St, Troy, OH, 45373

5beds
7baths
8,926sqft
$680,000
$76price/sqft
$5,315/moest. monthly cost
$212,600/yrincome needed

About This Home

Nearly 9,000 square feet of historic character and presence come together in this standout downtown Troy residence, offering a scale and level of detail rarely found. Recent improvements include a professionally completed silicone roof restoration with a 20-year manufacturer warranty, providing added peace of mind. The seller is also offering a 2-1 interest rate buydown for qualified buyers, creating a more approachable path into ownership. Originally restored by a respected local contractor, the property has been thoughtfully enhanced with an elevator servicing multiple levels and updated HVAC systems for each floor, all within the past six years. Inside, the home is defined by its volume and craftsmanship—expansive entertaining spaces, tall ceilings, original glass chandeliers, and imported French mirrors dating back to the 1800s. Multiple living areas allow for both everyday living and larger gatherings, with distinct spaces spread across all levels. The primary suite is complemented by an adjoining sunroom, offering a bright and versatile extension of the space. Additional bedrooms and baths are thoughtfully distributed throughout the home, allowing for both privacy and flexibility. A dedicated library with access to a screened porch provides a quiet, comfortable setting for reading, work, or relaxation. The detached carriage house provides private parking for two along with an upper-level apartment, and a private courtyard offers a low-maintenance outdoor setting. Opportunities like this don’t come along often. Private showings available by appointment for qualified buyers.

Getting Around

87
WalkingVery Walkable
0
TransitVery Limited Transit
61
BikeBikeable

Schools

--
Kyle Elementary SchoolGrades K-20.3 mi
8/10
9/10
Troy High SchoolGrades 9-120.4 mi

Construction

Condition

  • Year built: 1920

Materials

  • Construction materials: Brick,Frame

Type & Style

  • Home type: SingleFamily
  • Architectural style: Historic/Antique
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Microwave,Range,Refrigerator,Gas Water Heater

Basement

  • Has basement: Yes
  • Basement: Full,Walk-Out Access

Bedroom

  • Level: Second
  • Dimensions: 24 x 15

Bedroom

  • Level: Second
  • Dimensions: 21 x 19

Bedroom

  • Level: Second
  • Dimensions: 17 x 18

Bedroom

  • Level: Third
  • Dimensions: 16 x 12

Bedroom

  • Level: Third
  • Dimensions: 31 x 17

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 7
  • Full bathrooms: 4
  • 1/2 bathrooms: 3
  • Main level bathrooms: 2

Breakfast Room Nook

  • Level: Main
  • Dimensions: 20 x 10

Dining Room

  • Level: Main
  • Dimensions: 26 x 17

Entry Foyer

  • Level: Main
  • Dimensions: 32 x 16

Features

  • Ceiling Fan(s),Granite Counters,High Speed Internet,Kitchen Island,Kitchen/Family Room Combo,Kitchenette,Remodeled,Walk-In Closet(s)
  • Window features: Bay Window(s)
  • Fireplace features: Insert,Gas,Multiple
  • Fireplace: Yes

Great Room

  • Level: Main
  • Dimensions: 73 x 20

Heating & Cooling

  • Heating features: Forced Air,Natural Gas
  • Cooling features: Central Air

Interior Area

  • Total structure area: 8,926
  • Total interior livable area: 8,926 sqft

Kitchen

  • Level: Main
  • Dimensions: 21 x 10

Library

  • Level: Second
  • Dimensions: 34 x 14

Living Room

  • Level: Main
  • Dimensions: 35 x 15

Office

  • Level: Third
  • Dimensions: 17 x 13

Other

  • Level: Second
  • Dimensions: 18 x 18

Recreation

  • Level: Third
  • Dimensions: 24 x 18

Property

Details

  • Parcel number: D08002270
  • Zoning: Residential,Commercial,Hi
  • Zoning description: Residential,Commercial,Historic,Multiple,Non-Conforming

Features

  • Levels: Three Or More
  • Stories: 3
  • Patio & porch: Patio,Porch
  • Exterior features: Fence,Porch,Patio

Lot

  • Lot size: 7,753 sqft
  • Lot size dimensions: 65 x 119

Parking

  • Total spaces: 2
  • Parking features: Detached,Garage,Two Car Garage,Garage Door Opener,Storage
  • 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

  • Inland Flooding
    Inland FloodingModerate
  • Ice Storm
    Ice StormModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Inland Flooding
Ice Storm
Lightning
Strong Wind
Tornado
Winter Weather

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 $3,438$41,256
Home Insurance *$337$4,044
Property Taxes $583$6,996
Electricity $957$11,487
Total$5,315$63,780
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$182,228/yr
40% on housing$159,450/yr
45% on housing$141,733/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: 10.1%
10.1%
0%30.0%
Electricity Growth Rate10-year average: 5.9%
5.9%
0%15.0%
Property Taxes Growth Rate2-year average: 3.8%
3.8%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$76This listing

vs Other Active Listings

Avg $/sqft

ZIP 45373$182
Miami County$166

vs Homes Sold Last Month

Median $/sqft

ZIP 45373$166
Miami County$151

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
2026-02-25Price change$750,000
2026-02-03Price change$700,000
2026-01-02Price change$715,000
2025-10-21Listed for sale$725,000
2025-04-13Listing removed$775,000
2024-10-11Price change$775,000
2024-09-16Price change$799,997
2024-07-02Price change$825,000
2024-05-21Price change$850,000
2024-04-30Price change$875,000
2024-04-11Price change$1,199,999
2024-02-18Listed for sale$1,250,000
2007-03-23Sold$715,900
2002-12-03Sold$175,000

For Sale by Agent

AgentJulie Carter
BrokerageHoward Hanna Real Estate Serv

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