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2890 N County Road 198, Fremont, OH, 43420

4beds
3baths
3,132sqft
$685,000
$219price/sqft
$4,871/moest. monthly cost
$194,840/yrincome needed

About This Home

Rare opportunities like this don't come along often! Nestled on approximately one acre and surrounded by water on three sides, this unique Sandusky River waterfront retreat offers the ultimate summer lifestyle. The property includes both a charming waterfront cottage and a separate three-bedroom, two-bath guest house, making it an ideal gathering place for family and friends or the perfect private getaway. Boating enthusiasts will appreciate the protected deep-water canal with a boathouse, 10,000-pound boat lift, 40-foot EasyDock floating dock, and over 300 feet of recently rebuilt riprap seawall. From your dock, enjoy direct access to the Sandusky River and Lake Erie, where world-class walleye fishing, water skiing, cruising, and unforgettable boating adventures await. Cruise to Cedar Point in about an hour by water or continue on to the Lake Erie Islands for a day on the lake. The main cottage features a renovated kitchen, spacious living room, one bedroom, one bath, and a spectacular 13' x 30' screened porch overlooking the river. Outside, enjoy the heated in-ground pool with automatic retractable cover, colorful underwater lighting, Sunsetter awnings, mature shade trees, gated entrance, and generous outdoor living space. The fully spray foam insulated guest house offers three bedrooms, including a bunk room, two full baths, laundry area, heat pump, city water, and a large garage with plenty of room for boats, jet skis, and recreational equipment. A concrete driveway provides ample parking for guests, boats, and even RVs. Whether you're searching for a family summer compound, a waterfront escape, or a property built around life on the water, this one-of-a-kind retreat offers endless opportunities to create memories that will last for generations. Listing agent is related to sellers.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
27
BikeSomewhat Bikeable

Schools

5/10
Croghan Elementary SchoolGrades PK-55.4 mi
6/10
Fremont Middle SchoolGrades 6-85.3 mi
4/10
Fremont Ross High SchoolGrades 9-125.1 mi

Construction

Condition

  • Year built: 1987

Materials

  • Foundation: Block

Type & Style

  • Home type: MobileManufactured
  • Architectural style: Ranch,Contemporary
  • Property subType: Manufactured Home

Interior

Appliances

  • Appliances included: Dishwasher,Electric Range,Electric Water Heater,Microwave,Refrigerator
  • Laundry features: Electric Dryer Hookup

Basement

  • Basement: Crawl Space

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 3
  • Main level bedrooms: 2

Features

  • Window features: Insulated Windows
  • Flooring: Carpet,Vinyl
  • Common walls with other units/homes: No Common Walls

Heating & Cooling

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

Interior Area

  • Total structure area: 816
  • Total interior livable area: 3,132 sqft

Property

Details

  • Parcel number: 080600001300

Features

  • Levels: One
  • Private pool: Yes
  • Patio & porch: Porch,Patio,Deck
  • Exterior features: Dock
  • On waterfront: Yes
  • Waterfront features: River Front

Lot

  • Lot size: 1.24 Acres

Parking

  • Total spaces: 3
  • Parking features: Garage Door Opener,Attached
  • Has garage: Yes
  • Attached garage spaces: 3
  • Covered spaces: 3

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

  • Inland Flooding
    Inland FloodingRelatively High
  • Ice Storm
    Ice StormRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Cold Wave
    Cold WaveModerate
  • Hail
    HailModerate
  • Lightning
    LightningModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Inland Flooding
Ice Storm
Strong Wind
Tornado
Winter Weather
Cold Wave
Hail
Lightning
Tsunami

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 $3,463$41,556
Home Insurance *$468$5,616
Property Taxes $605$7,260
Electricity $335$4,030
Total$4,871$58,452
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$167,005/yr
40% on housing$146,130/yr
45% on housing$129,893/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: 7.8%
7.8%
0%30.0%
Electricity Growth Rate10-year average: 5.9%
5.9%
0%15.0%
Property Taxes Growth Rate2-year average: -0.7%
-0.7%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$219This listing

vs Other Active Listings

Avg $/sqft

ZIP 43420$101
Sandusky County$97

vs Homes Sold Last Month

Median $/sqft

ZIP 43420$127
Sandusky County$127

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
2026-07-03Listed for sale$685,000
2009-03-13Sold$155,000
2000-05-08Sold$82,500

For Sale by Agent

AgentDerek W Schwyn
BrokerageRevolution Realty LLC

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