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3 Oakwood Ln, Saint Marys, OH, 45885

2beds
1baths
1,312sqft
$349,900
$267price/sqft
$2,445/moest. monthly cost
$97,800/yrincome needed

About This Home

This beautifully remodeled 2-bed, 1-bath ranch is tucked away in the quiet and scenic Breezewood Addition on the south side of Grand Lake St. Marys. Situated on a large channel-front lot, this home offers direct access to open water just minutes away--perfect for enjoying the lake life. Enjoy the convenience of a covered boat parking right in your backyard, along with a substantial seawall that provides space for multiple watercraft and easy access to the channel. Inside, the home is light, bright, and fully updated, featuring expansive windows that frame gorgeous water views. Open concept living and kitchen space with vaulted ceiling. Enjoy a bonus loft space for the kids while you enjoy the sunroom to catch the views of the lake and the nature she brings. Step outside to two inviting covered porches--one screened-in and equipped with a relaxing hot tub--ideal for year-round enjoyment. A spacious 2-car attached garage offers plenty of room for vehicles, lake toys, and storage. Whether you're seeking a full-time residence or a weekend retreat, this property delivers comfort, convenience, and unbeatable waterfront living.

Getting Around

1
WalkingCar-Dependent
0
TransitVery Limited Transit
25
BikeSomewhat Bikeable

Schools

7/10
5/10
St. Marys Middle SchoolGrades 6-85.3 mi
4/10

Construction

Condition

  • Year built: 1966

Materials

  • Construction materials: Vinyl Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Microwave,Range,Refrigerator

Basement

  • Basement: Crawl Space

Bedrooms & Bathrooms

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

Features

  • Ceiling Fan(s)
  • Window features: Window Coverings
  • Flooring: Laminate
  • Fireplace features: Gas
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Electric,Forced Air,Heat Pump
  • Cooling features: Central Air,Heat Pump

Interior Area

  • Total structure area: 1,312
  • Total interior livable area: 1,312 sqft

Property

Details

  • Parcel number: K3106304500

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Porch,Patio
  • Exterior features: Dock
  • On waterfront: Yes
  • Waterfront features: Canal Access,Lake Related

Lot

  • Lot size: 0.45 Acres
  • Features: Residential Lot
  • Lot size dimensions: Regular

Parking

  • Total spaces: 2
  • Parking features: Other,Garage Door Opener
  • 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

  • Hail
    HailModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Hail
Strong Wind
Tornado
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 $1,769$21,228
Home Insurance *$209$2,508
Property Taxes $274$3,288
Electricity $193$2,320
Total$2,445$29,340
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$83,828/yr
40% on housing$73,350/yr
45% on housing$65,200/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: 9.3%
9.3%
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

$267This listing

vs Other Active Listings

Avg $/sqft

ZIP 45885$129
Auglaize County$143

vs Homes Sold Last Month

Median $/sqft

ZIP 45885$141
Auglaize County$144

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
2026-08-11Pending sale$349,900
2026-08-11Listed for sale$349,900
2026-08-11Pending sale$349,900
2026-07-31Listed for sale$349,900
2018-09-14Sold$83,500
2018-09-04Pending sale$99,900
2017-07-28Price change$99,900
2017-03-08Listed for sale$115,000
2016-01-05Listing removed$122,900
2015-02-25Price change$122,900
2012-07-11Price change$129,900
2009-05-16Listed for sale$165,000

For Sale by Agent

AgentElizabeth Obringer
BrokerageGray Realty, LLC

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