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232 W Lima St, Findlay, OH, 45840

2beds
2baths
1,276sqft
$199,900
$157price/sqft
$1,469/moest. monthly cost
$58,760/yrincome needed

About This Home

This rare corner-lot home, just two blocks from downtown, is a true gem. Enjoy off-street parking and a fully privacy-fenced backyard with a patio and fire pit. Inside, a spacious open living and family room flow effortlessly with their high ceilings. The galley kitchen, fully equipped, opens to a romantic vaulted-ceiling breakfast nook. Upstairs, two large bedrooms and a full bath await—plus a loft space perfect for a clubhouse vibe. With a new roof with gutters and leaf filter guards (23), a new hot water heater (26), a fully remodeled half bath, and a new furnace (2021) with AC, new carpet w/ pet protected pad, this home is move-in ready. Don't wait—this dream home won't last long!

Getting Around

82
WalkingVery Walkable
0
TransitVery Limited Transit
52
BikeBikeable

Schools

--
Northview Primary SchoolGrades K-22.3 mi
6/10
Donnell Middle SchoolGrades 6-80.5 mi
6/10
Findlay High SchoolGrades 9-121.7 mi

Construction

Condition

  • Year built: 1880

Materials

  • Foundation: Crawl Space
  • Roof: Shingle
  • Construction materials: Vinyl Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Dryer,Electric Range,Refrigerator,Washer
  • Laundry features: Main Level

Bedroom2

  • Features: Ceiling Fan(s)
  • Level: Upper

Bedrooms & Bathrooms

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

Dining Room

  • Features: Ceiling Fan(s)
  • Level: Main

Family Room

  • Features: Ceiling Fan(s)
  • Level: Main

Features

  • Eat-in Kitchen,Vaulted Ceiling(s)
  • Window features: Shutters
  • Flooring: Carpet,Luxury Vinyl
  • Common walls with other units/homes: No Common Walls

Heating & Cooling

  • Heating features: Forced Air,Natural Gas
  • Cooling features: Ceiling Fan(s),Central Air

Interior Area

  • Total structure area: 1,276
  • Total interior livable area: 1,276 sqft

Kitchen

  • Level: Main

Living Room

  • Features: Ceiling Fan(s)
  • Level: Main

Other

  • Features: Ceiling Fan(s)
  • Level: Upper

Property

Details

  • Parcel number: 600000319790

Features

  • Patio & porch: Rear Patio,Front Porch
  • Exterior features: Fire Pit
  • Fencing: Privacy

Lot

  • Lot size: 2,178 sqft
  • Features: Corner Lot,Landscaped
  • Lot size dimensions: 33x69

Parking

  • Total spaces: 2
  • Parking features: Driveway
  • Has uncovered spaces: Yes

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
    HailRelatively High
  • Inland Flooding
    Inland FloodingModerate
  • Ice Storm
    Ice StormModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Hail
Inland Flooding
Ice Storm
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 $1,010$12,120
Home Insurance *$107$1,284
Property Taxes $159$1,908
Electricity $193$2,320
Total$1,469$17,628
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$50,365/yr
40% on housing$44,070/yr
45% on housing$39,173/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: 8.7%
8.7%
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

$157This listing

vs Other Active Listings

Avg $/sqft

ZIP 45840$137
Hancock County$135

vs Homes Sold Last Month

Median $/sqft

ZIP 45840$158
Hancock County$157

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
2026-08-14Contingent$189,900
2026-08-12Price change$189,900
2026-06-26Price change$199,900
2026-06-22Price change$200,000
2026-05-23Listed for sale$209,900
2021-08-20Sold$115,000
2021-07-22Contingent$110,000
2021-07-20Listed for sale$110,000
2018-04-23Sold$93,900
2018-03-21Pending sale$96,900
2018-01-23Price change$96,900
2017-10-26Listed for sale$99,900
2017-02-27Sold$94,000
2009-08-31Listing removed$95,000
2009-06-20Price change$95,000
2009-04-30Listed for sale$98,500
2004-10-13Sold$82,500

For Sale by Agent

AgentCharity Ritzler
BrokerageKey Realty

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