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1220 Millstream Dr, Amelia, OH, 45102

4beds
3baths
1,886sqft
$405,000
$215price/sqft
$2,836/moest. monthly cost
$113,440/yrincome needed

About This Home

Just 3 years old, this beautifully maintained 4-bedroom, 2 car garage, 2.5-bath home offers the benefits of newer construction without the wait! Featuring an open-concept floor plan with 9-foot ceilings on the first floor and recessed lighting, this home is designed for both everyday living and entertaining. The spacious kitchen is the heart of the home, offering a large center island, beautiful backsplash, ample cabinetry, and an open flow into the dining and living areas. Upstairs, you'll find convenient second-floor laundry, generously sized bedrooms, and a spacious primary suite featuring an ensuite bath and walk-in closet. The full unfinished basement includes egress windows and a three-piece bathroom rough-in, providing endless possibilities for additional living space and the potential for a fifth bedroom, rec room, or guest suite. Enjoy peaceful, private wooded views from the backya with no rear neighbors directly behind you. Move-in ready and ready for its next owner!

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
25
BikeSomewhat Bikeable

Schools

6/10
Amelia Elementary SchoolGrades K-51.9 mi
6/10
6/10
West Clermont High SchoolGrades 9-122.1 mi

Construction

Condition

  • Year built: 2023

Materials

  • Foundation: Concrete Perimeter
  • Roof: Shingle
  • Construction materials: Stone,Vinyl Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Convection Oven,Dishwasher,Disposal,Gas Cooktop,Microwave,Refrigerator,Electric Water Heater

Basement

  • Has basement: Yes
  • Basement: Full,Bath/Stubbed,Unfinished

Bathroom1

  • Features: Full
  • Level: Second

Bathroom2

  • Features: Full
  • Level: Second

Bathroom3

  • Features: Partial
  • Level: First

Bedroom2

  • Level: Second
  • Area: 120

Bedroom3

  • Level: Second
  • Area: 99

Bedroom4

  • Level: Second
  • Area: 130

Bedroom5

  • Area: 0

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 2
  • 1/2 bathrooms: 1

Dining Room

  • Features: Walkout
  • Level: First
  • Area: 91

Family Room

  • Area: 378

Features

  • High Ceilings,Ceiling Fan(s),Recessed Lighting
  • Window features: Double Hung

Heating & Cooling

  • Heating features: Gas
  • Cooling features: Ceiling Fan(s),Central Air

Interior Area

  • Total structure area: 1,886
  • Total interior livable area: 1,886 sqft

Kitchen

  • Features: Pantry,Eat-in Kitchen,Walkout,Kitchen Island,Marble/Granite/Slate
  • Area: 156

Living Room

  • Area: 0

Master Bathroom

  • Features: Shower,Double Vanity,Marb/Gran/Slate

Master Bedroom

  • Features: Bath Adjoins,Walk-In Closet(s),Wall-to-Wall Carpet
  • Level: Second
  • Area: 169

Office

  • Area: 0

Property

Details

  • Parcel number: 032021D195
  • Zoning description: Residential

Features

  • Levels: Two
  • Stories: 2
  • Patio & porch: Deck,Porch
  • Fencing: Wood
  • Has view: Yes
  • View description: Trees/Woods

Lot

  • Features: Wooded,Less than .5 Acre

Parking

  • Total spaces: 2
  • Parking features: On Street,Driveway
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • Has uncovered spaces: Yes

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

  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Cold Wave
    Cold WaveModerate
  • Heat Wave
    Heat WaveModerate
  • Ice Storm
    Ice StormModerate
  • Tornado
    TornadoModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Lightning
Strong Wind
Cold Wave
Heat Wave
Ice Storm
Tornado
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 $2,047$24,564
Home Insurance *$162$1,944
Property Taxes $425$5,100
Electricity $202$2,427
Total$2,836$34,032
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$97,234/yr
40% on housing$85,080/yr
45% on housing$75,626/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: 2.9%
2.9%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$215This listing

vs Other Active Listings

Avg $/sqft

ZIP 45102$181
Clermont County$191

vs Homes Sold Last Month

Median $/sqft

ZIP 45102$175
Clermont County$188

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
2026-07-13Price change$405,000
2026-06-25Listed for sale$415,000
2023-10-24Sold$352,455
2023-08-14Sold$358,825
2023-07-10Sold$54,178

For Sale by Agent

AgentTracy Buckner
BrokerageKeller Williams Seven Hills Re

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