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217 S Elm St, Celina, OH, 45822

3beds
2baths
1,162sqft
$220,000
$189price/sqft
$1,604/moest. monthly cost
$64,160/yrincome needed

About This Home

Charming Cottage with finished basement & Amazing backyard. Welcome home to this 1200-square-foot cottage situated on 0.24 acre lot. Whether you're looking to down size or purchase your first home, this charming property offers comfort, character, and plenty of space to enjoy.Inside you'll find a large living room,a functional galley kitchen, and 3 bedrooms, including 2 on the main level and cozy loft bedroom upstairs. The home also features one full bath, one half bath and a fully finished basement that provides additional living, recreation, or storage.Step outside and fall in love with the beautifully designed backyard, complete with pavers patios, a fire pit, and plenty of room for entertaining or relaxing. A one car garage adds convenience and extra storage. This home has everything you need in a warm, welcoming setting. It's the perfect opportunity for first time home buyers, those looking to downsize, or anyone looking for a move-in-ready home. This is one you truly must see to appreciate. Schedule your showing today wont last long!!!!!!!!!

Getting Around

64
WalkingSomewhat Walkable
0
TransitVery Limited Transit
49
BikeSomewhat Bikeable

Schools

6/10
West Elementary SchoolGrades K-60.4 mi
5/10
Celina High SchoolGrades 8-120.8 mi
6/10
Celina Middle SchoolGrades 7-81.1 mi

Construction

Condition

  • Year built: 1952

Materials

  • Foundation: Concrete Perimeter
  • Construction materials: Vinyl Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: Cottage,Craftsman
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Microwave,Range,Refrigerator

Basement

  • Has basement: Yes
  • Basement: Finished,Concrete

Bedroom2

  • Level: First
  • Area: 110
  • Dimensions: 10.00 x 11.00

Bedroom3

  • Level: Second
  • Area: 187
  • Dimensions: 17.00 x 11.00

Bedrooms & Bathrooms

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

Features

  • Ceiling Fan(s)
  • Flooring: Carpet,Laminate

Heating & Cooling

  • Heating features: Forced Air,Natural Gas
  • Cooling features: Central Air

Interior Area

  • Total structure area: 1,162
  • Total interior livable area: 1,162 sqft

Kitchen

  • Level: First
  • Area: 154
  • Dimensions: 11.00 x 14.00

Living Room

  • Level: First
  • Area: 255
  • Dimensions: 17.00 x 15.00

Master Bathroom

  • Level: First
  • Area: 132
  • Dimensions: 12.00 x 11.00

Property

Details

  • Parcel number: 271746000000
  • Zoning description: Residential

Features

  • Levels: One and One Half
  • Stories: 1
  • Patio & porch: Patio
  • Fencing: Fenced
  • On waterfront: Yes
  • Waterfront features: Lake Related

Lot

  • Lot size: 10,018 sqft
  • Features: Residential Lot
  • Lot size dimensions: 5277

Parking

  • Total spaces: 1
  • Parking features: Garage Door Opener
  • 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

  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Cold Wave
    Cold WaveModerate
  • Hail
    HailModerate
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Strong Wind
Tornado
Cold Wave
Hail
Inland Flooding
Lightning
Winter Weather

FEMA Declared Disasters Across Ohio Counties

Flood
Tornado

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 $1,112$13,344
Home Insurance *$120$1,440
Property Taxes $179$2,148
Electricity $193$2,320
Total$1,604$19,248
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$54,994/yr
40% on housing$48,120/yr
45% on housing$42,773/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: 12.4%
12.4%
0%30.0%
Electricity Growth Rate10-year average: 5.9%
5.9%
0%15.0%
Property Taxes Growth Rate2-year average: 0.3%
0.3%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$189This listing

vs Other Active Listings

Avg $/sqft

ZIP 45822$130
Mercer County$135

vs Homes Sold Last Month

Median $/sqft

ZIP 45822$161
Mercer County$157

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
2026-08-17Pending sale$215,000
2026-08-08Price change$215,000
2026-08-01Price change$220,000
2026-07-31Price change$217,000
2026-07-11Listed for sale$239,000

For Sale by Agent

AgentSheryl Harner
Brokerage1st Call Realty, Ltd.

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