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3856 Clove Ln, Fairfield, OH, 45011

4beds
3baths
3,032sqft
$623,485
$206price/sqft
$4,328/moest. monthly cost
$173,120/yrincome needed

About This Home

This 2-level single family home at 3856 Clove Lane, Fairfield Township, Ohio offers 3,032 square feet with 4 bedrooms, 2 full bathrooms, and 1 half bathroom. The layout is designed for everyday function and comfort, with open-concept living space that connects the main gathering areas and supports both daily routines and entertaining. 4 bedrooms 2 full bathrooms 1 half bathroom 3,032 square feet 2 above-ground levels The quality of design is evident in the home's clean lines, practical flow, and well-planned room arrangement. Open living areas create a connected feel, while separate bedroom spaces allow flexibility for guests, work, or hobbies. The kitchen, dining, and main living areas are arranged to support an easy daily rhythm and a functional use of space. This home also benefits from a setting that places emphasis on the neighborhood experience and access to outdoor recreation. Nearby parks provide opportunities to enjoy green space, walking, and time outside, adding to the appeal of the surrounding area. The overall design balances spaciousness with comfort, making each level feel intentional and usable. MLS# 1878114

Getting Around

1
WalkingCar-Dependent
18
TransitMinimal Transit
25
BikeSomewhat Bikeable

Schools

5/10
Crossroads Middle SchoolGrades 5-85.8 mi
5/10
Fairfield High SchoolGrades 9-125.9 mi

Construction

Condition

  • Property condition: New Construction,Under Construction
  • New construction: Yes
  • Year built: 2026

Other

  • Builder name: M/I Homes

Type & Style

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

Interior

Bedrooms & Bathrooms

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

Interior Area

  • Total interior livable area: 3,032 sqft

Property

Details

  • Parcel number: A0300176000051

Features

  • Levels: 2.0
  • Stories: 2

Parking

  • Total spaces: 2
  • Parking features: Garage
  • Has garage: Yes
  • Attached garage 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 WaveRelatively High
  • Tornado
    TornadoRelatively High
  • Inland Flooding
    Inland FloodingModerate
  • Ice Storm
    Ice StormModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Tornado
Inland Flooding
Ice Storm
Lightning
Strong Wind
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 $3,152$37,824
Home Insurance *$249$2,988
Property Taxes $602$7,224
Electricity $325$3,902
Total$4,328$51,936
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$148,388/yr
40% on housing$129,840/yr
45% on housing$115,413/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: 13.1%
13.1%
0%30.0%
Electricity Growth Rate10-year average: 5.9%
5.9%
0%15.0%
Property Taxes Growth Rate2-year average: 1.2%
1.2%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$206This listing

vs Other Active Listings

Avg $/sqft

ZIP 45011$167
Butler County$163

vs Homes Sold Last Month

Median $/sqft

ZIP 45011$176
Butler County$169

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
2026-05-06Listed for sale$623,485

New Construction Spec

AgentM/I Homes of Cincinnati, LLC
BrokerageM/I Homes

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