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139 Columbus St, Dayton, OH, 45403

3beds
1baths
1,464sqft
$174,900
$119price/sqft
$1,532/moest. monthly cost
$61,280/yrincome needed

About This Home

Investments with this much character don't come along every day. Located in the desirable Huffman Historic District, this up-and-down duplex blends timeless charm with solid income potential. The lower unit features 2 bedrooms, 1 bath, laundry, soaring ceilings, and striking black-and-white checkered floors that give the space a personality all its own. Upstairs, the 1-bedroom, 1-bath unit is leased at $850 per month through a one-year lease, providing immediate rental income, while the lower unit just rented at $1000 per month (includes utilities). Major updates include windows (approximately 5 years old), furnace (approximately 5 years old), and water heater (approximately 6 years old). A fenced yard and welcoming front porch add to the property's appeal. The owner currently pays the water bill. New 40 gal Water Heater 2026. New furnace flu pipe. 24 hour notice required to show. Surveillance equipment is in use on the property and does not convey. Whether you're looking to expand your investment portfolio or explore an owner-occupant opportunity with rental income, this historic gem is one worth seeing.

Getting Around

53
WalkingSomewhat Walkable
0
TransitVery Limited Transit
67
BikeBikeable

Schools

3/10
Ruskin Prek-8 SchoolGrades PK-60.6 mi
6/10

Construction

Condition

  • Year built: 1919

Materials

  • Construction materials: Wood Siding

Type & Style

  • Home type: MultiFamily
  • Property subType: Duplex,Multi Family

Interior

Appliances

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

Basement

  • Has basement: Yes
  • Basement: Finished,Partial

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 1
  • Full bathrooms: 1

Heating & Cooling

  • Heating features: Forced Air,Natural Gas
  • Cooling features: Window Unit(s)

Interior Area

  • Total structure area: 1,464
  • Total interior livable area: 1,464 sqft

Property

Details

  • Parcel number: R72012100079
  • Zoning: Residential
  • Zoning description: Residential

Features

  • Patio & porch: Porch
  • Exterior features: Fence,Porch

Lot

  • Lot size: 1,385 sqft
  • Lot size dimensions: .0318

Parking

  • Parking features: No Garage

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 FloodingRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Cold Wave
    Cold WaveModerate
  • Hail
    HailModerate
  • Ice Storm
    Ice StormModerate
  • Lightning
    LightningModerate
  • Tornado
    TornadoModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Inland Flooding
Strong Wind
Cold Wave
Hail
Ice Storm
Lightning
Tornado
Winter Weather

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 $884$10,608
Home Insurance *$203$2,436
Property Taxes $252$3,024
Electricity $193$2,320
Total$1,532$18,384
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$52,525/yr
40% on housing$45,960/yr
45% on housing$40,853/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

$119This listing

vs Other Active Listings

Avg $/sqft

ZIP 45403$71
Montgomery County$107

vs Homes Sold Last Month

Median $/sqft

ZIP 45403$106
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
2026-07-06Listed for sale$174,900
2016-06-29Sold$30,900
2013-11-14Sold$18,000

For Sale by Agent

AgentMiranda K Biedenharn
BrokerageComey & Shepherd REALTORS

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