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5825 Olive Dr #9, Ashtabula, OH, 44004

2beds
1baths
746sqft
$169,900
$228price/sqft
$1,346/moest. monthly cost
$53,840/yrincome needed

About This Home

Are you dreaming of beach days? Tis the season to make this move-in ready, year-round beach cottage yours! Tucked away on a private road with private beach access, this charming home offers the perfect escape — whether you want a full-time residence or a summer retreat. Originally a 1950s lakeside cabin on leased land, the home was demolished and completely transformed now with inviting exterior and welcoming front porch to the stunning interior finishes. This home now features full insulation, a permanent foundation, and a concrete crawl space with interior access. Step inside to soaring cathedral ceilings, an open-concept layout, rich acacia wood floors, and beautiful knotty pine accents. The gleaming kitchen comes fully equipped with all appliances included. The main floor also offers a fully remodeled tiled bathroom with a walk-in shower and the convenience of a dedicated laundry room — no shared or off-site laundry here. Upstairs, a custom staircase leads to the primary bedroom and cozy loft sleeping areas, including two built-in college-size twin beds. The true showstopper is the private balcony off the primary bedroom — the perfect place to watch sunsets, boats drift by, or gaze at the stars. A custom sailboat window adds unforgettable beach cottage charm. Outside, enjoy a back deck, firepit, and shed — perfect for entertaining or relaxing after a day at the water. With private beach access just steps away and a welcoming private community, you can enjoy the lake whenever you want. There is a Community pavilion with bathrooms and a kitchen for picnics. Nearby parks, dining, wineries, and easy access to major highways make this an ideal location for commuters or weekend adventurers alike.Whether you’re looking for peaceful year-round living or the ultimate seasonal getaway, this cozy beach home offers the simplicity of tiny-home living with the beauty of every season — winter, spring, summer, or fall. Your lakeside dream starts here.

Getting Around

6
WalkingCar-Dependent
0
TransitVery Limited Transit
23
BikeSomewhat Bikeable

Schools

4/10
5/10
2/10
Lakeside High SchoolGrades 9-123.6 mi

Construction

Condition

  • Year built: 2017

Materials

  • Roof: Metal
  • Construction materials: Vinyl Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: A-Frame,Cottage,Log Home,Modern
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dryer,Microwave,Range,Refrigerator,Washer

Basement

  • Basement: Crawl Space,Sump Pump

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 1
  • Full bathrooms: 1
  • Main level bathrooms: 1

Features

  • Beamed Ceilings,Built-in Features,Cathedral Ceiling(s),High Ceilings
  • Finished area above ground: 746

Great Room

  • Level: First
  • Dimensions: ND x ND

Heating & Cooling

  • Heating features: Gas
  • Cooling features: Window Unit(s)

Interior Area

  • Total structure area: 746
  • Total interior livable area: 746 sqft

Kitchen

  • Level: First
  • Dimensions: ND x ND

Laundry

  • Level: First
  • Dimensions: ND x ND

Loft

  • Level: Second
  • Dimensions: ND x ND

Primary Bathroom

  • Level: Second
  • Dimensions: ND x ND

Property

Details

  • Parcel number: 480171002600

Features

  • Levels: Two
  • Stories: 2
  • Patio & porch: Deck,Other,Porch,Balcony
  • Exterior features: Balcony,Fire Pit,Private Entrance
  • Has view: Yes
  • On waterfront: Yes
  • Waterfront features: Lake Front,Lake Privileges,Waterfront
  • Frontage type: Lakefront

Lot

  • Lot size: 435.60 sqft
  • Features: Lake Erie Front,Lake Front,Views,Wooded,Waterfront

Parking

  • Parking features: Driveway

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
  • Winter Weather
    Winter WeatherRelatively High
  • Hail
    HailModerate
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate
  • Tornado
    TornadoModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Strong Wind
Winter Weather
Hail
Inland Flooding
Lightning
Tornado
Tsunami

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 $859$10,308
Home Insurance *$136$1,632
Property Taxes $158$1,896
Electricity $193$2,320
Total$1,346$16,152
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$46,148/yr
40% on housing$40,380/yr
45% on housing$35,893/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: 11.2%
11.2%
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

$228This listing

vs Other Active Listings

Avg $/sqft

ZIP 44004$89
Ashtabula County$121

vs Homes Sold Last Month

Median $/sqft

ZIP 44004$113
Ashtabula County$115

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
2026-08-09Price change$164,900
2026-06-29Price change$169,900
2026-06-10Price change$174,900
2026-05-22Price change$184,900
2026-04-27Price change$189,900
2026-04-06Price change$194,900
2026-02-21Listed for sale$199,900

For Sale by Agent

AgentRaegan Hagerdon
BrokerageAssured Real Estate

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