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642 Springs Ln, Cincinnati, OH, 45255

3beds
3baths
3,416sqft
$515,000
$151price/sqft
$3,739/moest. monthly cost
$149,560/yrincome needed

About This Home

Welcome to 642 Springs Lane in Cincinnati, Ohiotucked away on a private drive and set on a beautiful 1.77-acre lot, offering a rare blend of privacy, space, and convenience. This well-maintained home features gorgeous hardwood floors and an updated kitchen designed for both everyday living and entertaining. The formal dining room offers flexibility and can easily serve as a home office. Spacious bedrooms provide comfort and generous closet space, while the oversized two-car garage offers plenty of room for storage. A main-level laundry room adds everyday convenience. The partially finished basement provides additional living space and includes a bathroom rough-inoffering great potential for future expansion. With numerous updates and pride of ownership throughout, this home has been thoughtfully cared for and is move-in ready. Enjoy a peaceful, private setting while still being just minutes from highways, shopping, and diningmaking daily life both easy and accessible.

Getting Around

5
WalkingCar-Dependent
0
TransitNo Nearby Transit
1
BikeSomewhat Bikeable

Schools

5/10
6/10
West Clermont High SchoolGrades 9-122.9 mi

Construction

Condition

  • Year built: 1988

Materials

  • Foundation: Concrete Perimeter
  • Roof: Shingle
  • Construction materials: Stone,Vinyl Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: Traditional
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Double Oven,Dryer,Electric Cooktop,Disposal,Microwave,Refrigerator,Washer,Propane Water Heater

Basement

  • Has basement: Yes
  • Basement: Full,Bath/Stubbed,Partially Finished,Concrete,WW Carpet,Glass Blk Wind

Bathroom1

  • Features: Full
  • Level: Second

Bathroom2

  • Features: Full
  • Level: Second

Bathroom3

  • Features: Partial
  • Level: First

Bedroom2

  • Level: Second
  • Area: 255

Bedroom3

  • Level: Second
  • Area: 210

Bedroom4

  • Area: 0

Bedroom5

  • Area: 0

Bedrooms & Bathrooms

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

Dining Room

  • Features: Chair Rail,Chandelier,Wood Floor
  • Level: First
  • Area: 130

Family Room

  • Features: Wall-to-Wall Carpet
  • Area: 540

Features

  • Ceiling Fan(s)
  • Window features: Bay/Bow,Insulated Windows
  • Number of fireplaces: 1
  • Fireplace features: Wood Burning,Living Room
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Forced Air,Gas
  • Cooling features: Central Air

Interior Area

  • Total structure area: 3,416
  • Total interior livable area: 3,416 sqft

Kitchen

  • Features: Pantry,Eat-in Kitchen,Wood Floor,Marble/Granite/Slate
  • Area: 180

Living Room

  • Features: Bookcases,Walkout,Wall-to-Wall Carpet,Fireplace,Window Treatment
  • Area: 450

Master Bathroom

  • Features: Shower,Tile Floor,Double Vanity,Window Treatment,Marb/Gran/Slate

Master Bedroom

  • Features: Bath Adjoins,Walk-In Closet(s),Wall-to-Wall Carpet,Window Treatment
  • Level: Second
  • Area: 285

Office

  • Area: 0

Property

Details

  • Parcel number: 413216E153
  • Zoning description: Residential

Features

  • Levels: Two
  • Stories: 2
  • Patio & porch: Patio
  • Has view: Yes
  • View description: Trees/Woods

Lot

  • Lot size: 1.77 Acres
  • Features: Wooded,1 to 4.9 Acres

Parking

  • Total spaces: 2
  • Parking features: Garage Door Opener
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered 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

  • Lightning
    LightningRelatively High
  • Cold Wave
    Cold WaveModerate
  • Heat Wave
    Heat WaveModerate
  • Ice Storm
    Ice StormModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Lightning
Cold Wave
Heat Wave
Ice Storm
Strong Wind
Tornado
Winter Weather

FEMA Declared Disasters Across Ohio Counties

Flood

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 $2,604$31,248
Home Insurance *$229$2,748
Property Taxes $540$6,480
Electricity $366$4,396
Total$3,739$44,868
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$128,194/yr
40% on housing$112,170/yr
45% on housing$99,706/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: 2.9%
2.9%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$151This listing

vs Other Active Listings

Avg $/sqft

ZIP 45255$190
Clermont County$192

vs Homes Sold Last Month

Median $/sqft

ZIP 45255$182
Clermont County$188

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
2026-04-28Listed for sale$535,000
2025-10-01Listing removed$560,000
2025-08-06Price change$560,000
2025-06-23Price change$565,000
2025-05-29Listed for sale$575,000
2025-05-21Pending sale$575,000
2025-05-02Listed for sale$575,000
2024-10-30Listing removed$579,900
2024-09-16Price change$579,900
2024-08-09Listed for sale$599,900
2024-07-30Listing removed--
2024-06-22Listed for sale$635,000
1988-09-01Sold$192,154

For Sale by Agent

AgentCara A. Chitwood
BrokerageKeller Williams Distinctive RE

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