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637 E Main St, Xenia, OH, 45385

2beds
1baths
1,000sqft
$134,900
$135price/sqft
$1,126/moest. monthly cost
$45,040/yrincome needed

About This Home

Move right into this beautifully updated ranch in the Heart of Xenia that combines classic character with modern updates. Inside, you'll find decorative trim, charming arched doorways, and a built-in bookcase in the living room that add warmth and personality to the home. Fresh interior paint and luxury vinyl plank flooring flow throughout the home. The updated kitchen features all-new cabinetry, countertops, and stainless-steel appliances, creating a bright and functional space for everyday living. Additional improvements include a New Roof, updated plumbing fixtures, all new light fixtures, outlets, switches, cover plates, and new interior door hardware. Conveniently located near shopping, restaurants, schools, and major highways, this move-in-ready home offers comfort, style, and easy access to everything you need. Whether you're a first-time buyer, looking to downsize, or searching for a low-maintenance home, this ranch is ready to welcome its next owner.

Getting Around

33
WalkingCar-Dependent
0
TransitVery Limited Transit
45
BikeSomewhat Bikeable

Schools

7/10
Arrowood ElementaryGrades K-52.2 mi
5/10
Warner Middle SchoolGrades 6-82.2 mi
3/10
Xenia High SchoolGrades 9-121.6 mi

Construction

Condition

  • Year built: 1905

Materials

  • Construction materials: Vinyl Siding

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Range,Refrigerator,Gas Water Heater

Basement

  • Basement: Crawl Space

Bedroom

  • Level: Main
  • Dimensions: 12 x 10

Bedroom

  • Level: Main
  • Dimensions: 13 x 12

Bedrooms & Bathrooms

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

Breakfast Room Nook

  • Level: Main
  • Dimensions: 14 x 9

Dining Room

  • Level: Main
  • Dimensions: 10 x 7

Features

  • Quartz Counters,Remodeled,Solid Surface Counters

Heating & Cooling

  • Heating features: Natural Gas
  • Cooling features: None

Interior Area

  • Total structure area: 1,000
  • Total interior livable area: 1,000 sqft

Kitchen

  • Level: Main
  • Dimensions: 13 x 9

Living Room

  • Level: Main
  • Dimensions: 16 x 13

Property

Details

  • Parcel number: M40000200110000400
  • Zoning: Residential
  • Zoning description: Residential

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Patio
  • Exterior features: Fence,Patio

Lot

  • Lot size: 7,588 sqft
  • Lot size dimensions: .

Parking

  • Parking features: No Garage

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

  • Cold Wave
    Cold WaveRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Hail
    HailModerate
  • Inland Flooding
    Inland FloodingModerate
  • Ice Storm
    Ice StormModerate
  • Lightning
    LightningModerate
  • Tornado
    TornadoModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Strong Wind
Hail
Inland Flooding
Ice Storm
Lightning
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 $682$8,184
Home Insurance *$73$876
Property Taxes $178$2,136
Electricity $193$2,320
Total$1,126$13,512
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$38,605/yr
40% on housing$33,780/yr
45% on housing$30,026/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: 12.0%
12.0%
0%30.0%
Electricity Growth Rate10-year average: 5.9%
5.9%
0%15.0%
Property Taxes Growth Rate2-year average: -1.8%
-1.8%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$135This listing

vs Other Active Listings

Avg $/sqft

ZIP 45385$150
Greene County$159

vs Homes Sold Last Month

Median $/sqft

ZIP 45385$167
Greene County$158

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
2026-08-09Price change$124,900
2026-08-01Listed for sale$134,900
2026-05-05Sold$35,000
2026-04-21Pending sale$43,000
2026-04-17Price change$43,000
2026-03-27Pending sale$50,000
2026-03-18Listed for sale$50,000
2026-02-20Pending sale$50,000
2026-02-14Listed for sale$50,000
2008-02-21Sold$20,000

For Sale by Agent

AgentTommy Hoskins
BrokerageKeller Williams Community Part

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