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523 S Detroit St, Xenia, OH, 45385

4beds
3baths
3,481sqft
$344,900
$99price/sqft
$2,760/moest. monthly cost
$110,400/yrincome needed

About This Home

Step into timeless elegance with this Victorian-style home offering 3,481 square feet of preserved character and modern comfort. Featuring 4 bedrooms, 2 full bathrooms, and 1 half bath, this home also boasts a versatile third-floor bonus room that can serve as a 5th bedroom or creative space. From the moment you enter through the front door, you’re welcomed by an inviting foyer that sets the tone for the home’s historic charm. Original woodwork, pocket doors, and hardwood floors carry throughout the main level. The dining room showcases original built-in cabinetry, while the living room is highlighted by a beautiful stained glass window that adds character. The updated kitchen blends style and function with custom wood cabinetry, under-cabinet lighting, a custom tile backsplash, a pantry, and a central island that is perfect for meal prep or casual dining. Stainless steel appliances, including a gas range with kettle faucet and double oven, make this space ideal for everyday living. Upstairs, the primary suite offers a walk-in closet and an updated en-suite bathroom featuring both a soaking tub and walk-in shower. The second level also includes new carpet and padding throughout, along with a laundry room complete with a folding area, making everyday living easier with close proximity to the bedrooms. Outside, relax & enjoy the charm of a wrap-around porch with a cut limestone base and granite pillars. As well as garden boxes and fruit trees, 2-car detached garage with electricity, a 12x8 shed with power. Updates include; fully updated plumbing, 95% updated electrical, and a modern boiler and multi-zone heating system installed in 2024, a tankless on-demand water heater (2018), a new water softener (2025), and energy-efficient double/triple-pane insulated vinyl windows throughout. Heated floors in the kitchen and primary bathroom add a touch of luxury. A rare opportunity to own a beautifully maintained Victorian home where historic charm meets modern updates.

Getting Around

64
WalkingSomewhat Walkable
0
TransitVery Limited Transit
64
BikeBikeable

Schools

7/10
5/10
Warner Middle SchoolGrades 6-81.5 mi
3/10
Xenia High SchoolGrades 9-122.1 mi

Construction

Condition

  • Year built: 1900

Materials

  • Construction materials: Frame,Vinyl Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Dryer,Dishwasher,Microwave,Range,Refrigerator,Water Softener,Gas Water Heater,Tankless Water Heater

Basement

  • Has basement: Yes
  • Basement: Unfinished

Bedroom

  • Level: Second
  • Dimensions: 13 x 13

Bedroom

  • Level: Second
  • Dimensions: 10 x 12

Bedroom

  • Level: Second
  • Dimensions: 11 x 8

Bedrooms & Bathrooms

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

Bonus Room

  • Level: Third
  • Dimensions: 14 x 18

Dining Room

  • Level: Main
  • Dimensions: 14 x 12

Entry Foyer

  • Level: Main
  • Dimensions: 6 x 10

Family Room

  • Level: Main
  • Dimensions: 13 x 15

Features

  • Ceiling Fan(s),Kitchen Island,Kitchen/Family Room Combo,Pantry,Quartz Counters,Remodeled,Solid Surface Counters,Walk-In Closet(s)
  • Window features: Double Pane Windows,Insulated Windows,Vinyl
  • Fireplace features: Decorative,Multiple
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Hot Water,Natural Gas,Steam
  • Cooling features: Window Unit(s)

Interior Area

  • Total structure area: 3,481
  • Total interior livable area: 3,481 sqft

Kitchen

  • Level: Main
  • Dimensions: 11 x 15

Laundry

  • Level: Second
  • Dimensions: 6 x 15

Living Room

  • Level: Main
  • Dimensions: 17 x 13

Master Bedroom

  • Level: Second
  • Dimensions: 16 x 13

Office

  • Level: Main
  • Dimensions: 13 x 13

Property

Details

  • Parcel number: M40000200130023400
  • Zoning: Residential
  • Zoning description: Residential

Features

  • Levels: Three Or More
  • Stories: 3
  • Patio & porch: Porch
  • Exterior features: Porch,Storage

Lot

  • Lot size: 0.40 Acres
  • Lot size dimensions: 113 x 187 157 x 90

Parking

  • Total spaces: 2
  • Parking features: Detached,Garage,Two Car Garage,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

  • Cold Wave
    Cold WaveRelatively High
  • Ice Storm
    Ice StormModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Ice Storm
Lightning
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 $1,744$20,928
Home Insurance *$187$2,244
Property Taxes $456$5,472
Electricity $373$4,480
Total$2,760$33,120
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$94,628/yr
40% on housing$82,800/yr
45% on housing$73,600/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

$99This 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)

No zestimate history available

Price History

DateEventPrice
2026-04-28Price change$389,900
2026-04-16Price change$399,900
2026-04-07Listed for sale$425,000
2014-08-01Sold$117,000
2014-05-22Price change$119,900
2014-04-12Price change$122,000
2014-02-23Listed for sale$124,500
2012-08-30Listing removed$132,000
2012-06-12Listed for sale$132,000
2012-04-24Listing removed$132,000
2012-03-28Listed for sale$132,000
2011-12-30Listing removed$134,000
2011-11-15Price change$134,000
2011-06-23Listed for sale$138,000
2002-10-23Sold$128,000

For Sale by Agent

AgentKristi Robinette, Howard Hanna Real Estate Serv, Tyler Robinette, Howard Hanna Real Estate Serv
BrokerageHoward Hanna Real Estate Serv

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