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109 Gull Dr, Elyria, OH, 44035

2beds
2baths
1,248sqft
$83,500
$67price/sqft
$759/moest. monthly cost
$30,360/yrincome needed

About This Home

Welcome to your peaceful retreat! This beautiful, move-in-ready home sits on a prime waterfront lot, offering stunning views and a modern interior designed for comfort and convenience. Whether you're enjoying the breeze from your massive back porch or taking advantage of the community's resort-style amenities, this home offers a lifestyle, not just a place to live. Schedule a Tour Today! Don't miss out on this waterfront gem. For all inquiries or to schedule a private showing, please contact:

Getting Around

16
WalkingCar-Dependent
0
TransitVery Limited Transit
36
BikeSomewhat Bikeable

Schools

5/10
Westwood Middle SchoolGrades 5-81.1 mi
3/10
Elyria High SchoolGrades 9-122.2 mi
5/10

Construction

Condition

  • Property condition: New Construction
  • New construction: Yes
  • Year built: 2020

Materials

  • Roof: Shake
  • Construction materials: Vinyl Siding

Other

  • Builder name: UMH Properties, Inc.

Type & Style

  • Home type: MobileManufactured
  • Property subType: Manufactured Home

Interior

Appliances

  • Appliances included: Dishwasher,Microwave,Range,Refrigerator

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 2
  • Full bathrooms: 2

Features

  • Ceiling Fan(s),Walk-In Closet(s)

Heating & Cooling

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

Interior Area

  • Total interior livable area: 1,248 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

  • Cold Wave
    Cold WaveModerate
  • Hail
    HailModerate
  • 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
Hail
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 $422$5,064
Home Insurance *$49$588
Property Taxes $95$1,140
Electricity $193$2,320
Total$759$9,108
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$26,022/yr
40% on housing$22,770/yr
45% on housing$20,240/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

$67This 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)

Price History

DateEventPrice
2026-04-02Listed for sale$83,500

New Construction Spec

BrokerageUMH Properties, Inc.

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