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3650 W 4th St, Ontario, OH, 44903

5beds
4baths
2,947sqft
$685,000
$232price/sqft
$4,905/moest. monthly cost
$196,200/yrincome needed

About This Home

Nestled On 6.66 Private Acres, This Custom-built 5-bedroom, 4 Full-bath Home Offers 2,947 Sq. Ft. Of Thoughtfully Designed Living Space With Quality Craftsmanship And A Peaceful Country Setting Just Minutes From All The Conveniences Of Ontario. Built In 2003, The Home Welcomes You With An Impressive 18-foot Foyer That Flows Into A Stunning Two-story Family Room Filled With Natural Light. The Rest Of The Main Level Features Airy 9-foot Ceilings Throughout, Offering A Spacious Formal Living Room, Formal Dining Room, And A Beautifully Appointed Kitchen With Granite Countertops, Solid Wood Cabinetry, And A Walk-in Pantry. A First-floor Guest Bedroom And Full Bath Complete This Level, Providing Excellent Potential For Guests Or Multigenerational Living.upstairs, The Second Level Features Comfortable 8-foot Ceilings Across Four Spacious Bedrooms. This Includes A Private Owner's Suite With A Tray Ceiling, Bay Window, Oversized Walk-in Closet, And An Ensuite Featuring A Soaking Tub, Separate Shower, Dual-sink Vanity, And Private Water Closet. The Second-floor Laundry Room Adds Everyday Convenience. The Oversized 3.5-car Attached Garage Includes A Dedicated Workshop Area, While A 14' X 18' Utility Building And 12' X 8' Storage Building Provide Even More Room For Equipment, Hobbies, Or Additional Storage.additional Features Include Engineered Floor Joists, Advanced Insulation For Energy Efficiency, An Owned Propane Tank, Whole-house Generator, Furnace And Central Air Replaced In 2024, And A Water Heater Installed In 2025. This Property Delivers The Perfect Combination Of Country Living And Modern Convenience. Pictures Have Been Digitally Enhanced By Ai To Remove Personal Property And Improve Presentation.

Getting Around

7
WalkingCar-Dependent
0
TransitVery Limited Transit
27
BikeSomewhat Bikeable

Schools

7/10
Ontario Middle SchoolGrades 6-81.1 mi
6/10
Ontario High SchoolGrades 9-121.0 mi

Construction

Condition

  • Year built: 2003

Materials

  • Foundation: Basement
  • Roof: Asphalt,Original Roof
  • Construction materials: Aluminum,Other,Vinyl Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Cooktop,Dishwasher,Wall Oven
  • Laundry features: Laundry Room

Basement

  • Has basement: Yes
  • Basement: Full

Bathroom

  • Level: Main

Bathroom1

  • Level: Second

Bathroom2

  • Level: Second

Bedroom2

  • Level: Second
  • Area: 153

Bedroom3

  • Level: Second
  • Area: 147

Bedroom4

  • Level: Second
  • Area: 159

Bedroom5

  • Level: Main
  • Area: 147

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 4
  • Full bathrooms: 4

Dining Room

  • Features: Formal
  • Level: Main
  • Area: 159

Family Room

  • Level: Main
  • Area: 326.625

Features

  • Ceiling Fan(s)
  • Fireplace features: Decorative
  • Fireplace: Yes

Heating & Cooling

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

Interior Area

  • Total structure area: 2,947
  • Total interior livable area: 2,947 sqft

Kitchen

  • Level: Main
  • Area: 304.6875

Living Room

  • Level: Main
  • Area: 162.3125

Master Bedroom

  • Level: Second
  • Area: 301.1875

Property

Accessibility

  • Accessibility features: 36" Door Width

Details

  • Parcel number: 0386015216001

Features

  • Levels: Two
  • Stories: 2

Lot

  • Lot size: 6.66 Acres

Parking

  • Total spaces: 3.5
  • Parking features: Attached,Garage Door Opener
  • Has garage: Yes
  • Attached garage spaces: 3.5
  • Covered spaces: 3.5

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
  • Ice Storm
    Ice StormRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Hail
Ice Storm
Winter Weather
Lightning
Strong Wind
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 $3,463$41,556
Home Insurance *$447$5,364
Property Taxes $679$8,148
Electricity $316$3,792
Total$4,905$58,860
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$168,171/yr
40% on housing$147,150/yr
45% on housing$130,800/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: 9.9%
9.9%
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

$232This listing

vs Other Active Listings

Avg $/sqft

ZIP 44903$129
Richland County$139

vs Homes Sold Last Month

Median $/sqft

ZIP 44903$122
Richland County$123

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
2026-07-09Listed for sale$685,000

For Sale by Agent

AgentSullivan McKinley
BrokerageSimply Better Realty, LLC

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