813 N Gay St, Utica, OH, 43080
About This Home
This 3BR, 1BA 2-story has so many charming features...from the pillared front porch to the fireplace in the living room and the archways. This home offers a cozy cottage core vibe. You'll love the hardwood floors, galley kitchen, second story porch, and detached 2 car garage. Owner has made updates; Metal roof & Windows replaced in 2016, & garage roof in 2015. Mount Vernon offers excellent sidewalks which makes walking/cycling to downtown or the school a total option. This one is priced to sell at $164,900 and won't last long. Cash or conventional financing.
Getting Around
Somewhat Walkable
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 1920
Materials
- Roof: Metal
Type & Style
- Home type: SingleFamily
- Property subType: Single Family Residence
Interior
Appliances
- Laundry features: In Basement
Bathroom1
- Features: Full
- Level: Second
Bedroom1
- Level: Second
Bedroom2
- Level: Second
Bedroom3
- Level: Second
Bedrooms & Bathrooms
- Bedrooms: 3
- Bathrooms: 1
- Full bathrooms: 1
Dining Room
- Level: First
Features
- Flooring: Wood
- Fireplace: Yes
- Finished area above ground: 1,064
Heating
- Heating features: Forced Air,Fireplace(s)
Interior Area
- Total structure area: 1,064
- Total interior livable area: 1,064 sqft
Kitchen
- Level: First
Living Room
- Level: First
Property
Details
- Parcel number: 6602533.000
Features
- Levels: Two,2 Story
- Stories: 2
- Patio & porch: Patio
Lot
- Lot size: 5,976 sqft
- Features: Level
- Lot size dimensions: .1372
Parking
- Total spaces: 2
- Parking features: Garage Detached,Garage,2 Car,Paved
- Has garage: Yes
- Covered spaces: 2
- 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
- Lightning
- Strong Wind
- Winter Weather
- Cold Wave
- Hail
- Ice Storm
- Tornado
How This Home’s Risks Compare
FEMA Declared Disasters Across Ohio Counties
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $833 | $9,996 |
| Home Insurance * | $112 | $1,344 |
| Property Taxes | $137 | $1,644 |
| Electricity | $193 | $2,320 |
| Total | $1,275 | $15,300 |
Income You'd Need if You Spent...
Ohio FAIR Plan Programs
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-07-07 | Listed for sale | $164,900 |
View on Zillow