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1420 Elm St Unit 2, Cincinnati, OH, 45202

1beds
2baths
636sqft
$319,900
$503price/sqft
$2,298/moest. monthly cost
$91,920/yrincome needed

About This Home

The Vivian Lofts is a beautifully restored 1890 stone building, this boutique residence provides an intimate, design-forward lifestyle. Assigned parking inside gated lot on property! Inside, historic character shines with soaring ceilings, exposed masonry, bay windows, plaster walls, in-unit laundry, and original detailing seamlessly blended with modern finishes. The kitchen features stainless steel appliances, Carrara marble surfaces, and industrial lighting, while reclaimed wood and vintage millwork add warmth and authenticity. Steps from OTR's top dining, shopping, and culture including Music Hall and TQL Stadium. This home is short term rental eligible, combining charm, flexibility, and strong investment potential in a prime location!

Getting Around

96
WalkingWalker's Paradise
74
TransitExcellent Transit
71
BikeVery Bikeable

Schools

Construction

Condition

  • Year built: 1900

Materials

  • Foundation: Other
  • Roof: Shingle
  • Construction materials: Stone

Type & Style

  • Home type: Condo
  • Architectural style: Other
  • Property subType: Condominium

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Microwave,Oven/Range,Refrigerator,Washer,Gas Water Heater
  • Laundry features: In Unit

Basement

  • Has basement: Yes
  • Basement: Full

Bathroom1

  • Features: Full
  • Level: First

Bathroom2

  • Features: Partial
  • Level: First

Bedroom2

  • Area: 0

Bedroom3

  • Area: 0

Bedroom4

  • Area: 0

Bedroom5

  • Area: 0

Bedrooms & Bathrooms

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

Dining Room

  • Features: Window Treatment,Wood Floor
  • Level: First
  • Area: 90

Family Room

  • Area: 0

Features

  • High Ceilings,Recessed Lighting
  • Door features: Multi Panel Doors
  • Window features: Bay/Bow,Double Hung,Insulated Windows
  • Number of fireplaces: 1
  • Fireplace features: Brick,Kitchen
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Forced Air,Gas Furn EF Rtd 95%+
  • Cooling features: Central Air

Interior Area

  • Total structure area: 636
  • Total interior livable area: 636 sqft

Kitchen

  • Features: Quartz Counters,Fireplace,Gourmet,Kitchen Island,Wood Cabinets,Wood Floor
  • Area: 110

Living Room

  • Area: 352

Master Bathroom

  • Features: Shower,Tile Floor,Marb/Gran/Slate

Master Bedroom

  • Features: Bath Adjoins,Walk-In Closet(s),Window Treatment,Wood Floor
  • Level: First
  • Area: 192

Office

  • Area: 0

Property

Details

  • Parcel number: 0810002053000

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Porch
  • Fencing: Metal
  • Has view: Yes
  • View description: City

Lot

  • Lot size: 5,009 sqft
  • Features: Less than .5 Acre

Parking

  • Total spaces: 1
  • Parking features: 1 Assigned,Driveway
  • 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

  • Cold Wave
    Cold WaveModerate
  • Heat Wave
    Heat WaveModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Cold Wave
Heat Wave
Tornado

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 $1,617$19,404
Home Insurance *$86$1,032
Property Taxes $402$4,824
Electricity $193$2,320
Total$2,298$27,576
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$78,788/yr
40% on housing$68,940/yr
45% on housing$61,280/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: 12.2%
12.2%
0%30.0%
Electricity Growth Rate10-year average: 5.9%
5.9%
0%15.0%
Property Taxes Growth Rate2-year average: 2.4%
2.4%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$503This listing

vs Other Active Listings

Avg $/sqft

ZIP 45202$227
Hamilton County$188

vs Homes Sold Last Month

Median $/sqft

ZIP 45202$291
Hamilton County$165

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
2026-06-20Listed for sale$319,900

For Sale by Agent

AgentRick J Finn
BrokerageColdwell Banker Realty

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