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5180 Mud Pike Rd, Celina, OH, 45822

4beds
3baths
2,568sqft
$895,000
$349price/sqft
$6,019/moest. monthly cost
$240,760/yrincome needed

About This Home

Country Living Just a Minute from Town! Enjoy the best of both worlds with this beautifully maintained 4-bedroom, 2.5-bath home situated on 5 private acres with over 150 mature trees, located just 1/2 mile outside the city limits. Experience the peace, privacy, and space of country living while being only minutes from shopping, schools, restaurants, and everyday conveniences. This spacious 2.568-sq ft, two story home offers a functional floor plan perfect for families and entertaining. An attached 2-car garage provides everyday convenience, plus a 64' x 34' concrete driveway. While outside you'll find everything you need to enjoy the property year-round. The backyard is truly a retreat, featuring a fully stocked pond with a sandy beach area, perfect for fishing, swimming, kayaking, or simply relaxing by the water. Entertain family and friends under a 18' x 18' pergola on stamped concrete patio. The property also includes a whole house GENERAC generator and an insulated 40' x 30' pole barn with concrete flooring. Country charm, modern comfort, and unbeatable location - this is the lifestyle you've been waiting for.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
25
BikeSomewhat Bikeable

Schools

6/10
West Elementary SchoolGrades K-62.3 mi
5/10
Celina High SchoolGrades 8-123.6 mi
6/10
Celina Middle SchoolGrades 7-83.8 mi

Construction

Condition

  • Year built: 1991

Materials

  • Roof: Asphalt

Type & Style

  • Home type: SingleFamily

Interior

Appliances

  • Appliances included: Dishwasher,Microwave,Range / Oven,Refrigerator

Basement

  • Basement: Partially finished

Bedrooms & Bathrooms

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

Features

  • Flooring: Tile,Carpet,Hardwood
  • Fireplace: Yes

Interior Area

  • Total interior livable area: 2,568 sqft

Property

Features

  • Exterior features: Shingle,Vinyl
  • Has spa: Yes

Lot

  • Lot size: 5 Acres

Parking

  • Parking features: Garage - Attached

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
  • Tornado
    TornadoRelatively High
  • Cold Wave
    Cold WaveModerate
  • Earthquake
    EarthquakeModerate
  • Hail
    HailModerate
  • Inland Flooding
    Inland FloodingModerate
  • Ice Storm
    Ice StormModerate
  • Lightning
    LightningModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Strong Wind
Tornado
Cold Wave
Earthquake
Hail
Inland Flooding
Ice Storm
Lightning
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 $4,525$54,300
Home Insurance *$489$5,868
Property Taxes $730$8,760
Electricity $275$3,305
Total$6,019$72,228
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$206,365/yr
40% on housing$180,570/yr
45% on housing$160,506/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: 12.4%
12.4%
0%30.0%
Electricity Growth Rate10-year average: 5.9%
5.9%
0%15.0%
Property Taxes Growth Rate2-year average: 0.3%
0.3%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$349This listing

vs Other Active Listings

Avg $/sqft

ZIP 45822$125
Mercer County$131

vs Homes Sold Last Month

Median $/sqft

ZIP 45822$161
Mercer County$157

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
2026-07-13Listed for sale$895,000

For Sale by Owner

AgentProperty Owner

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