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103 S Sperling Ave, Dayton, OH, 45403

4beds
1baths
2,200sqft
$190,000
$86price/sqft
$1,689/moest. monthly cost
$67,560/yrincome needed

About This Home

Welcome home to this spacious East Dayton gem! Situated on a desirable corner lot just west of Smithville Road, this 4-bedroom, 1-bath home offers endless potential and plenty of room to grow. Step onto the large covered front porch, perfect for relaxing mornings or evening gatherings, and into a welcoming layout with an open flow between the living and dining rooms. The spacious kitchen has been recently updated with new flooring, cabinets, and countertops while maintaining the charm of its original built-ins. The updated full bath features a beautifully tiled tub/shower surround. Upstairs, a generous landing area provides flexible space for a home office, playroom, reading nook, or additional living area. Two bedrooms feature walk-in closets, offering ample storage. The full basement presents endless possibilities for finishing and customization, providing valuable additional square footage. Outside, enjoy a fenced backyard and a detached 2-car garage, ideal for storage, hobbies, or parking. With its combination of recent updates, character, and opportunity to make it your own, this East Dayton home is one you won't want to miss!

Getting Around

63
WalkingSomewhat Walkable
0
TransitVery Limited Transit
50
BikeBikeable

Schools

3/10
Ruskin Prek-8 SchoolGrades PK-61.4 mi
6/10

Construction

Condition

  • Year built: 1927

Materials

  • Construction materials: Frame

Type & Style

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

Interior

Appliances

  • Appliances included: Dryer,Range,Washer

Basement

  • Has basement: Yes
  • Basement: Full

Bedroom

  • Level: Main
  • Dimensions: 11 x 11

Bedroom

  • Level: Main
  • Dimensions: 12 x 12

Bedroom

  • Level: Second
  • Dimensions: 18 x 13

Bedroom

  • Level: Second
  • Dimensions: 11 x 13

Bedrooms & Bathrooms

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

Dining Room

  • Level: Main
  • Dimensions: 15 x 15

Features

  • Ceiling Fan(s),Walk-In Closet(s)

Heating & Cooling

  • Heating features: Forced Air,Natural Gas
  • Cooling features: None

Interior Area

  • Total structure area: 2,200
  • Total interior livable area: 2,200 sqft

Kitchen

  • Level: Main
  • Dimensions: 15 x 18

Living Room

  • Level: Main
  • Dimensions: 14 x 18

Utility Room

  • Level: Basement
  • Dimensions: 9 x 12

Property

Details

  • Parcel number: R72047110114
  • Zoning: Residential
  • Zoning description: Residential

Features

  • Levels: Two
  • Stories: 2
  • Patio & porch: Porch
  • Exterior features: Fence,Porch

Lot

  • Lot size: 4,800 sqft
  • Lot size dimensions: 40 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
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Inland Flooding
Ice Storm
Lightning
Strong Wind
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 $960$11,520
Home Insurance *$221$2,652
Property Taxes $273$3,276
Electricity $235$2,831
Total$1,689$20,268
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$57,908/yr
40% on housing$50,670/yr
45% on housing$45,040/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

$86This 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
2026-07-22Listed for sale$190,000
2021-03-01Sold$40,800
2021-01-08Pending sale$43,000
2021-01-05Price change$43,000
2020-12-07Listed for sale$20,000
2015-09-04Sold$24,000
2015-05-15Price change$29,900
2015-04-02Listed for sale$32,900

For Sale by Agent

AgentTonia Moore
BrokerageHoward Hanna Real Estate Serv

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