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445 Harbor Ln, Lorain, OH, 44052

3beds
3baths
2,161sqft
$560,000
$259price/sqft
$4,132/moest. monthly cost
$165,280/yrincome needed

About This Home

Welcome To Harborwalk Lorain's Premier Waterfront Community! Be The First To Enjoy This Brand-new, Never-lived-in End-unit Townhome Featuring 3 Bedrooms And 3 Full Bathrooms. The Bright, Open-concept Main Level Offers Durable Vinyl Flooring Throughout And A Modern Kitchen Equipped With Quartz Countertops, Microwave, Refrigerator, Range And Dishwasher, All Open To A Cozy Living Area Filled With Natural Light. A Spacious First-floor Bedroom And Full Bathroom Sits Just Past The Kitchen For Added Convenience. Upstairs, The Primary Bedroom Includes A Generous Ensuite With A Walk-in Shower. An Additional Bedroom, A Full Three-piece Bath, And A Bonus Living Area With A Wet Bar Complete The Upper Level. Step Out Onto Your Private Second-story Deck Overlooking The River Offering Front-row Views Of Summer Concerts And All The Exciting Events At Black River Landing. It's The Perfect Space To Relax Or Entertain. The Community Includes A Pool And Fitness Center. The Recently Remodeled Party Center Can Also Be Rented For A Fee. Located Just Steps From The Black River, Spitzer And Oasis Marinas, Lake Erie's Mile-long Pier, And The Vibrant Broadway District With Its Restaurants, Coffee Shops, And Lorain Brewing Company. This Is Waterfront Living At Its Finest.

Getting Around

51
WalkingSomewhat Walkable
0
TransitVery Limited Transit
34
BikeSomewhat Bikeable

Schools

3/10
4/10
Longfellow Middle SchoolGrades 6-80.9 mi
3/10
Lorain High SchoolGrades 9-121.9 mi

Construction

Condition

  • Year built: 2024

Materials

  • Foundation: Slab
  • Roof: Asphalt
  • Construction materials: Vinyl Siding

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Microwave,Range,Refrigerator
  • Laundry features: Laundry Room

Bathroom

  • Level: Main

Bathroom1

  • Level: Second

Bathroom2

  • Level: Second

Bedroom2

  • Level: Main
  • Area: 143

Bedroom3

  • Level: Second
  • Area: 110

Bedroom4

  • Level: Second
  • Area: 110

Bedroom5

  • Area: 0

Bedrooms & Bathrooms

  • Bathrooms: 3
  • Full bathrooms: 3

Dining Room

  • Area: 0

Family Room

  • Area: 0

Heating & Cooling

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

Interior Area

  • Total structure area: 2,161
  • Total interior livable area: 2,161 sqft

Kitchen

  • Level: Main
  • Area: 165

Living Room

  • Level: Main
  • Area: 252

Master Bedroom

  • Level: Second
  • Area: 198

Property

Details

  • Parcel number: 0201003116171

Features

  • Levels: Two
  • Stories: 2
  • Has view: Yes
  • View description: Marina,Water
  • Has water view: Yes
  • Water view: Marina,Water

Lot

  • Lot size: 2,178 sqft

Parking

  • Total spaces: 2
  • Parking features: Attached
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

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

How This Home’s Risks Compare

Cold Wave
Strong Wind
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 $2,831$33,972
Home Insurance *$431$5,172
Property Taxes $639$7,668
Electricity $231$2,781
Total$4,132$49,584
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$141,668/yr
40% on housing$123,960/yr
45% on housing$110,186/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

$259This listing

vs Other Active Listings

Avg $/sqft

ZIP 44052$90
Lorain County$149

vs Homes Sold Last Month

Median $/sqft

ZIP 44052$115
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)

Price History

DateEventPrice
2025-11-14Listed for sale$595,000

For Sale by Agent

AgentJacqueline Jakacki
BrokerageRE/MAX Above & Beyond

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