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428 Geyer St, Dayton, OH, 45405

3beds
1baths
1,604sqft
$70,000
$44price/sqft
$776/moest. monthly cost
$31,040/yrincome needed

About This Home

Welcome to this charming early-1900s home located in Dayton, offering over 1,600 square feet of living space with 3 bedrooms and 1 bath. Built in 1915, this property blends classic character with several key mechanical updates, including a newer roof, furnace, plumbing improvements, and a refreshed shower--providing a solid foundation for its next owner. This home presents a strong value-add opportunity for investors or owner-occupants looking to build equity. While some repairs and cosmetic improvements are still needed, the heavy lifting has already begun. Being sold as-is, this property offers significant upside potential.

Getting Around

68
WalkingSomewhat Walkable
0
TransitVery Limited Transit
74
BikeVery Bikeable

Schools

4/10
Edison Elementary SchoolGrades PK-61.2 mi
2/10
2/10
Dunbar High SchoolGrades 9-123.2 mi

Construction

Condition

  • Year built: 1915

Materials

  • Foundation: Stone

Type & Style

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

Interior

Basement

  • Has basement: Yes
  • Basement: Full

Bedrooms & Bathrooms

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

Features

  • Common walls with other units/homes: No Common Walls

Heating

  • Heating features: Forced Air

Interior Area

  • Total structure area: 1,604
  • Total interior livable area: 1,604 sqft

Property

Details

  • Parcel number: R72067030037

Features

  • Levels: Two

Lot

  • Lot size: 4,356 sqft

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 FloodingModerate

How This Home’s Risks Compare

Inland Flooding

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 $353$4,236
Home Insurance *$130$1,560
Property Taxes $100$1,200
Electricity $193$2,320
Total$776$9,312
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$26,605/yr
40% on housing$23,280/yr
45% on housing$20,693/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

$44This listing

vs Other Active Listings

Avg $/sqft

ZIP 45405$65
Montgomery County$108

vs Homes Sold Last Month

Median $/sqft

ZIP 45405$64
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)

No zestimate history available

Price History

DateEventPrice
2026-04-23Price change$59,000
2026-04-17Price change$69,900
2026-03-28Listed for sale$75,000

For Sale by Agent

AgentJeffrey Schultheis
BrokerageI Heart Real Estate

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