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57 S Torrence St, Dayton, OH, 45403

3beds
3baths
1,971sqft
$115,999
$59price/sqft
$1,098/moest. monthly cost
$43,920/yrincome needed

About This Home

Opportunity awaits in this classic brick Dayton home! This 3-bedroom, 2.5-bath property offers immediate income potential with a month-to-month tenant already in place, while also giving future owners flexibility to make it their own. Inside, you’ll find a spacious layout with 10ft high ceilings and distinctive wood trim, including oversized doorways and charming details like pocket doors in the primary bedroom. The home features one large bedroom on the main floor, with two additional bedrooms plus a bonus room upstairs—easily converted into a fourth bedroom by adding a closet. Key updates include a newer roof and gutter system, along with vinyl replacement windows, offering a solid foundation for your improvements. The home presents multiple opportunities to add value, whether that’s restoring or reimagining the half bath, creating an additional bedroom, or converting the laundry room into a home office or flex space. The basement is ready to be transformed into a hobby area, workshop, or additional living space. While some cosmetic updates are needed, this makes it ideal for investors, renovators, or buyers. Bring your vision and unlock the full potential of this versatile property!

Getting Around

54
WalkingSomewhat Walkable
0
TransitVery Limited Transit
64
BikeBikeable

Schools

3/10
Ruskin Prek-8 SchoolGrades PK-60.9 mi
6/10

Construction

Condition

  • Year built: 1890

Materials

  • Construction materials: Brick,Frame,Wood Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Range,Refrigerator

Basement

  • Has basement: Yes
  • Basement: Partially Finished

Bedroom

  • Level: Main
  • Dimensions: 16 x 12

Bedroom

  • Level: Second
  • Dimensions: 12 x 10

Bedroom

  • Level: Second
  • Dimensions: 13 x 12

Bedrooms & Bathrooms

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

Bonus Room

  • Level: Second
  • Dimensions: 11 x 11

Features

  • Cathedral Ceiling(s),Laminate Counters,Pantry
  • Window features: Vinyl

Heating & Cooling

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

Interior Area

  • Total structure area: 1,971
  • Total interior livable area: 1,971 sqft

Kitchen

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

Living Room

  • Level: Main
  • Dimensions: 15 x 20

Property

Details

  • Parcel number: R72022040112
  • Zoning: Residential
  • Zoning description: Residential

Features

  • Levels: Two
  • Stories: 2
  • Exterior features: Fence

Lot

  • Lot size: 4,268 sqft
  • Lot size dimensions: 35 x 122

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 $586$7,032
Home Insurance *$134$1,608
Property Taxes $167$2,004
Electricity $211$2,536
Total$1,098$13,176
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$37,645/yr
40% on housing$32,940/yr
45% on housing$29,280/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

$59This listing

vs Other Active Listings

Avg $/sqft

ZIP 45403$72
Montgomery County$108

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
2026-06-27Listed for sale$115,999
2026-01-01Listing removed$119,900
2025-10-02Price change$119,900
2025-08-05Price change$124,900
2025-07-06Price change$129,900
2025-06-14Listed for sale$134,900
2021-12-10Sold$45,000
2019-10-14Listing removed$36,999
2019-09-26Price change$36,999
2019-08-27Price change$38,000
2019-08-18Listed for sale$39,900
2006-09-12Sold$16,000

For Sale by Agent

AgentHeather Gorby
BrokerageColdwell Banker Heritage

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