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2516 E Whipp Rd, Dayton, OH, 45440

3beds
2baths
2,123sqft
$336,500
$159price/sqft
$2,553/moest. monthly cost
$102,120/yrincome needed

About This Home

This beautifully maintained 2,100+ square foot ranch home in Kettering offers the perfect blend of comfort, space, and versatility. Featuring 3 spacious bedrooms and 2 full bathrooms, this home is thoughtfully designed to suit a variety of lifestyles—from those looking to downsize without sacrificing room for entertaining, to growing families in need of flexible living space. Step inside to find a bright and inviting 20x15 living room that flows seamlessly into the 13x11 dining area, creating an ideal setting for gatherings both large and small. In addition, a generous 22x13 family room serves as a cozy retreat, highlighted by a charming brick fireplace with electric heat and flame. This space opens effortlessly to the breakfast nook and kitchen, forming a central hub for everyday living. The kitchen is both functional and convenient, with all appliances included, making move-in a breeze. The family room also features wide sliding glass doors that lead out to a spacious rear patio—perfect for relaxing or entertaining outdoors—while overlooking a fully fenced backyard that offers privacy and room to play. The primary suite provides a peaceful escape with its own attached full bathroom. Two additional bedrooms and a second full bath complete the home, offering ample accommodations for family members or guests. The laundry room is 19x9 and right off the kitchen with access to the garage and backyard. With its well-designed layout, inviting living spaces, and outdoor amenities, this home is ready to welcome its next owners.

Getting Around

45
WalkingCar-Dependent
0
TransitVery Limited Transit
38
BikeSomewhat Bikeable

Schools

6/10
6/10
Kettering Middle SchoolGrades 6-82.2 mi
7/10

Construction

Condition

  • Year built: 1968

Materials

  • Foundation: Slab
  • Construction materials: Brick

Type & Style

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

Interior

Appliances

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

Bedroom

  • Level: Main
  • Dimensions: 14 x 13

Bedroom

  • Level: Main
  • Dimensions: 12 x 11

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 2
  • Main level bathrooms: 2

Dining Room

  • Level: Main
  • Dimensions: 13 x 11

Entry Foyer

  • Level: Main
  • Dimensions: 16 x 6

Family Room

  • Level: Main
  • Dimensions: 22 x 13

Features

  • Walk-In Closet(s)
  • Number of fireplaces: 1
  • Fireplace features: Electric,One
  • Fireplace: Yes

Heating & Cooling

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

Interior Area

  • Total structure area: 2,123
  • Total interior livable area: 2,123 sqft

Kitchen

  • Level: Main
  • Dimensions: 19 x 10

Living Room

  • Level: Main
  • Dimensions: 20 x 15

Master Bedroom

  • Level: Main
  • Dimensions: 14 x 14

Utility Room

  • Level: Main
  • Dimensions: 19 x 9

Property

Details

  • Parcel number: N64032100011
  • Zoning: Residential
  • Zoning description: Residential

Features

  • Levels: One
  • Stories: 1

Lot

  • Lot size: 0.31 Acres
  • Lot size dimensions: 90 x 150

Parking

  • Total spaces: 2
  • Parking features: Attached,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

  • Cold Wave
    Cold WaveModerate

How This Home’s Risks Compare

Cold Wave

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 $1,701$20,412
Home Insurance *$140$1,680
Property Taxes $485$5,820
Electricity $227$2,732
Total$2,553$30,636
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$87,531/yr
40% on housing$76,590/yr
45% on housing$68,080/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: 10.2%
10.2%
0%30.0%
Electricity Growth Rate10-year average: 5.9%
5.9%
0%15.0%
Property Taxes Growth Rate2-year average: 2.0%
2.0%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$159This listing

vs Other Active Listings

Avg $/sqft

ZIP 45440$145
Montgomery County$107

vs Homes Sold Last Month

Median $/sqft

ZIP 45440$167
Montgomery County$137

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
2026-04-30Listed for sale$349,000
2024-08-23Sold$235,000
2024-07-24Pending sale$235,000
2024-07-24Listed for sale$235,000
2013-08-28Sold$135,000
2013-07-18Pending sale$144,900
2013-06-05Listed for sale$144,900

For Sale by Agent

AgentLynn Frericks
BrokerageColdwell Banker Heritage

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