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407 Virginia Ave, Troy, OH, 45373

4beds
2baths
1,634sqft
$274,900
$168price/sqft
$2,276/moest. monthly cost
$91,040/yrincome needed

About This Home

Welcome home to this charming stone home situated on a rare double lot in a desirable Troy location! Offering 4 bedrooms with a potential 5th bedroom or home office, this spacious property provides flexible living options to fit your needs. Inside, you'll find two full bathrooms, including one conveniently located on the main level and another upstairs. The home also features a full unfinished basement, offering abundant storage or the opportunity to create additional living space. Step outside to enjoy the large fenced backyard, perfect for entertaining, pets, gardening, or simply relaxing on the spacious patio. The detached two-car garage provides plenty of room for vehicles and extra storage. This home has seen several important updates, including a new roof (2024), new electric panel (2023), and new electric water heater (2023), providing added peace of mind for the next owner. The home is equipped with gas forced-air heating and central air conditioning for year-round comfort. All kitchen appliances, along with the washer and dryer, will remain with the home, making your move even easier. Connected to city water and sewer, the property also includes a private well for watering the lawn and landscaping, with a new well pump included and ready for installation. With its timeless stone exterior, generous lot size, thoughtful updates, and flexible floor plan, 407 Virginia Ave is a wonderful opportunity to own a home that offers both character and convenience.

Getting Around

49
WalkingCar-Dependent
0
TransitVery Limited Transit
52
BikeBikeable

Schools

8/10
9/10
Troy High SchoolGrades 9-120.4 mi
7/10
Troy Junior High SchoolGrades 6-80.5 mi

Construction

Condition

  • Year built: 1941

Materials

  • Construction materials: Stone

Type & Style

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

Interior

Appliances

  • Appliances included: Dryer,Range,Refrigerator,Washer,Electric Water Heater

Basement

  • Has basement: Yes
  • Basement: Full

Bedroom

  • Level: Main
  • Dimensions: 14 x 12

Bedroom

  • Level: Basement
  • Dimensions: 14 x 11

Bedroom

  • Level: Second
  • Dimensions: 15 x 14

Bedroom

  • Level: Second
  • Dimensions: 14 x 8

Bedrooms & Bathrooms

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

Bonus Room

  • Level: Second
  • Dimensions: 11 x 11

Dining Room

  • Level: Main
  • Dimensions: 16 x 11

Entry Foyer

  • Level: Main
  • Dimensions: 5 x 4

Family Room

  • Level: Main
  • Dimensions: 19 x 15

Heating & Cooling

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

Interior Area

  • Total structure area: 1,634
  • Total interior livable area: 1,634 sqft

Kitchen

  • Features: Eat-in Kitchen
  • Level: Main
  • Dimensions: 12 x 14

Living Room

  • Level: Main
  • Dimensions: 11 x 9

Loft

  • Level: Second
  • Dimensions: 3 x 4

Property

Details

  • Parcel number: D08027460
  • Zoning: Residential
  • Zoning description: Residential

Features

  • Levels: One and One Half
  • Patio & porch: Patio
  • Exterior features: Patio

Lot

  • Lot size: 0.28 Acres
  • Lot size dimensions: 100 x 120

Parking

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

Cold Wave
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 $1,390$16,680
Home Insurance *$136$1,632
Property Taxes $557$6,684
Electricity $193$2,320
Total$2,276$27,312
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$78,034/yr
40% on housing$68,280/yr
45% on housing$60,693/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

$168This listing

vs Other Active Listings

Avg $/sqft

ZIP 45373$180
Miami County$165

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
2026-08-11Price change$269,900
2026-07-11Listed for sale$274,900

For Sale by Agent

AgentErika Berner
BrokerageeXp Realty

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