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945 Springfield St, Dayton, OH, 45403

2beds
1baths
858sqft
$170,000
$198price/sqft
$1,494/moest. monthly cost
$59,760/yrincome needed

About This Home

Great opportunity for both investors and owner-occupants! This remodeled home offers flexible living with strong rental potential or the perfect place to call home. Features include updated interiors, a spacious layout, and a detached garage. Ideal for those looking to generate income or enjoy move-in-ready comfort.'' All room sizes are approximate.

Getting Around

49
WalkingCar-Dependent
0
TransitVery Limited Transit
52
BikeBikeable

Schools

3/10
Ruskin Prek-8 SchoolGrades PK-61.6 mi
2/10
Belmont High SchoolGrades 7-122.3 mi

Construction

Condition

  • Year built: 1900

Materials

  • Foundation: Other
  • Roof: Shingle
  • Construction materials: Other

Type & Style

  • Home type: SingleFamily
  • Architectural style: Other
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Gas Water Heater

Basement

  • Has basement: Yes
  • Basement: Partial,Other

Bathroom1

  • Features: Full
  • Level: Second

Bedroom2

  • Level: Second
  • Area: 132

Bedroom3

  • Area: 0

Bedroom4

  • Area: 0

Bedroom5

  • Area: 0

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 1
  • Full bathrooms: 1

Dining Room

  • Features: Open
  • Level: First
  • Area: 0

Family Room

  • Area: 0

Features

  • Window features: Vinyl

Heating & Cooling

  • Heating features: Gas
  • Cooling features: Central Air

Interior Area

  • Total structure area: 858
  • Total interior livable area: 858 sqft

Kitchen

  • Features: Eat-in Kitchen
  • Area: 0

Living Room

  • Area: 0

Master Bathroom

  • Features: Tub w/Shower

Master Bedroom

  • Features: Other
  • Level: Second
  • Area: 144

Office

  • Area: 0

Property

Details

  • Parcel number: R72049060052
  • Zoning description: Residential

Features

  • Levels: Two
  • Stories: 2
  • Topography of land: Level

Lot

  • Features: Less than .5 Acre

Parking

  • Total spaces: 1
  • Parking features: Off Street
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1

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
  • Hail
    HailModerate
  • 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
Hail
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 $859$10,308
Home Insurance *$197$2,364
Property Taxes $245$2,940
Electricity $193$2,320
Total$1,494$17,928
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$51,222/yr
40% on housing$44,820/yr
45% on housing$39,840/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

$198This 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
2026-05-07Listed for sale$170,000
2005-03-25Sold$27,500

For Sale by Agent

AgentJennifer Moralde
BrokerageNorth Star Realty

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