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127 Charles Ct, Elyria, OH, 44035

3beds
2baths
1,614sqft
$120,000
$74price/sqft
$1,007/moest. monthly cost
$40,280/yrincome needed

About This Home

Welcome to this 3-bedroom, 2 full bath home located in a prime Elyria neighborhood! This property offers incredible potential for both investors and homeowners. Whether you’re looking to rent, flip, or make it your own, this is an opportunity you don’t want to miss. Situated just minutes from downtown Elyria, the home boasts a waterfront backyard on the scenic Black River, providing a peaceful and picturesque setting. Don’t miss out on this versatile property in a great location. Schedule your showing today!

Getting Around

71
WalkingVery Walkable
0
TransitVery Limited Transit
38
BikeSomewhat Bikeable

Schools

5/10
3/10
Elyria High SchoolGrades 9-120.4 mi
2/10

Construction

Condition

  • Year built: 1900

Materials

  • Roof: Asphalt,Shingle
  • Construction materials: Wood Siding

Type & Style

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

Interior

Basement

  • Has basement: Yes
  • Basement: Full,Unfinished

Bathroom

  • Level: First

Bedroom

  • Level: Second

Bedroom

  • Level: Second

Bedroom

  • Level: Second

Bedrooms & Bathrooms

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

Dining Room

  • Level: First

Entry Foyer

  • Level: First

Features

  • Finished area above ground: 1,614

Heating & Cooling

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

Interior Area

  • Total structure area: 1,614
  • Total interior livable area: 1,614 sqft

Kitchen

  • Level: First

Living Room

  • Level: First

Primary Bathroom

  • Level: Second

Property

Details

  • Parcel number: 0625097000004

Features

  • Levels: Two
  • Stories: 2
  • On waterfront: Yes

Lot

  • Lot size: 4,356 sqft

Parking

  • Parking features: Driveway,On Street

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
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate
  • Winter Weather
    Winter WeatherModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Cold Wave
Inland Flooding
Ice Storm
Strong Wind
Tornado
Winter Weather
Tsunami

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 $606$7,272
Home Insurance *$71$852
Property Taxes $137$1,644
Electricity $193$2,320
Total$1,007$12,084
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$34,525/yr
40% on housing$30,210/yr
45% on housing$26,853/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: 7.4%
7.4%
0%30.0%
Electricity Growth Rate10-year average: 5.9%
5.9%
0%15.0%
Property Taxes Growth Rate2-year average: -1.0%
-1.0%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$74This listing

vs Other Active Listings

Avg $/sqft

ZIP 44035$99
Lorain County$149

vs Homes Sold Last Month

Median $/sqft

ZIP 44035$144
Lorain County$161

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
2026-04-30Price change$120,000
2026-02-25Price change$125,000
2025-12-05Listed for sale$130,000
2012-10-26Sold$14,000

For Sale by Agent

AgentJey Rivera
BrokerageHoward Hanna

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