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315 Liberty St, Eaton, OH, 45320

3beds
2baths
1,250sqft
$220,000
$176price/sqft
$1,623/moest. monthly cost
$64,920/yrincome needed

About This Home

Charming 3-Bedroom Home with Modern Updates This well-maintained single-family home features 3 spacious bedrooms and 1.5 bathrooms, offering both comfort and functionality. Situated on a generous 7,384 sq ft lot, the property provides plenty of outdoor space for relaxing or entertaining. Inside, you’ll find a newly remodeled kitchen complete with modern finishes and brand-new appliances, including a refrigerator, microwave, dishwasher, and stove. The home has been thoughtfully updated with new carpet, interior doors, fresh paint throughout, and stylish ceiling fans and light fixtures. Brand new windows . Major systems have also been recently upgraded, with a 2 year-old AC unit and furnace, giving added peace of mind and energy efficiency. This move-in-ready home blends classic charm with modern updates—perfect for homeowners or investors alike.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
25
BikeSomewhat Bikeable

Schools

6/10
Eaton Middle SchoolGrades 6-81.6 mi
6/10
Eaton High SchoolGrades 9-121.7 mi

Construction

Condition

  • Year built: 1954

Materials

  • Roof: Shake / Shingle
  • Construction materials: Frame

Type & Style

  • Home type: SingleFamily

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Freezer,Garbage disposal,Microwave,Range / Oven,Refrigerator,Washer

Basement

  • Basement: Partially finished

Bedrooms & Bathrooms

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

Features

  • Flooring: Carpet,Laminate

Heating & Cooling

  • Heating features: Forced air
  • Cooling features: Central

Interior Area

  • Total interior livable area: 1,250 sqft

Property

Details

  • Parcel number: M40000607703011000

Features

  • Exterior features: Other,Cement / Concrete

Lot

  • Lot size: 7,384 sqft

Parking

  • Parking features: Garage - Detached

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
  • Cold Wave
    Cold WaveModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Strong Wind
Cold 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 $1,112$13,344
Home Insurance *$139$1,668
Property Taxes $179$2,148
Electricity $193$2,320
Total$1,623$19,476
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$55,645/yr
40% on housing$48,690/yr
45% on housing$43,280/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: 12.3%
12.3%
0%30.0%
Electricity Growth Rate10-year average: 5.9%
5.9%
0%15.0%
Property Taxes Growth Rate2-year average: -0.8%
-0.8%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$176This listing

vs Other Active Listings

Avg $/sqft

ZIP 45320$131
Preble County$143

vs Homes Sold Last Month

Median $/sqft

ZIP 45320
Preble County$161

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
2026-05-12Price change$199,000
2026-05-06Listed for sale$210,000
2024-06-27Sold$93,000
2024-05-17Pending sale$89,900
2024-05-17Listed for sale$89,900
2024-05-14Pending sale$89,900
2024-05-06Listed for sale$89,900
1996-01-18Sold$58,800

For Sale by Owner

AgentProperty Owner

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