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14386 Karnes Rd, Defiance, OH, 43512

5beds
4baths
1,890sqft
$575,000
$304price/sqft
$4,053/moest. monthly cost
$162,120/yrincome needed

About This Home

Country life at its ABSOLUTE BEST! TURN-KEY country property with 5 bedrooms, 3.5 baths, a 3-car garage, & a fully-finished basement giving you roughly 3400 sq ft of living space to spread out, relax & entertain in! New in the last 5 years: Windows, siding, house & barn roofs, geothermal heating/cooling, water heaters, 1st floor flooring, lighting & painting, walk-in pantry added, new appliances, above-ground pool & hot tub! Fall in love with the 28x60 barn with a 20x60 covered porch! So many places to relax...on the front porch, side porch, in the pool or hot tub, under the covered porch...truly an outdoor oasis for your enjoyment! Half-bath in the barn as well as plumbing ready for the upstairs loft area. This winter, entertain in your media room in the basement complete with bar area! Moving furniture is made easier with the 2nd entry to the basement through the garage! All that is left to do is MOVE IN & ENJOY!!

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
25
BikeSomewhat Bikeable

Schools

6/10
6/10
Defiance Middle SchoolGrades 6-82.2 mi
6/10
Defiance High SchoolGrades 9-122.2 mi

Construction

Condition

  • Year built: 2004

Materials

  • Roof: Shingle
  • Construction materials: Brick,Vinyl Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Microwave,Water Heater,Bar Fridge,Disposal,Electric Oven,Refrigerator,Smart Appliance(s)
  • Laundry features: Main Level

Basement

  • Has basement: Yes
  • Basement: Finished,Full

Bedroom2

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

Bedroom3

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

Bedroom4

  • Level: Lower

Bedroom5

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

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 4
  • Full bathrooms: 3
  • 1/2 bathrooms: 1

Family Room

  • Features: Crown Molding
  • Level: Lower

Features

  • Ceiling Fan(s),Pantry,Primary Bathroom,Storage,Vaulted Ceiling(s),Walk-In Closet(s),Wet Bar
  • Flooring: Carpet,Luxury Vinyl,Tile
  • Finished area below ground: 1,500
  • Common walls with other units/homes: No Common Walls

Heating & Cooling

  • Heating features: Electric,Geothermal
  • Cooling features: Electric

Interior Area

  • Total structure area: 1,890
  • Total interior livable area: 1,890 sqft

Kitchen

  • Level: Main

Laundry

  • Level: Main

Living Room

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

Other

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

Property

Details

  • Parcel number: B110011000516

Features

  • Private pool: Yes
  • Pool features: Above Ground
  • Patio & porch: Covered Patio,Side Porch,Front Porch
  • Has spa: Yes
  • Spa features: Spa/Hot Tub

Lot

  • Lot size: 1.18 Acres
  • Features: Landscaped
  • Lot size dimensions: 1.18 acres

Parking

  • Total spaces: 3
  • Parking features: Concrete,Gravel,Attached Garage,Garage Door Opener
  • Has garage: Yes
  • Attached garage 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
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Cold Wave
    Cold WaveModerate
  • Hail
    HailModerate
  • Ice Storm
    Ice StormModerate
  • Lightning
    LightningModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Inland Flooding
Strong Wind
Tornado
Cold Wave
Hail
Ice Storm
Lightning
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 $2,907$34,884
Home Insurance *$422$5,064
Property Taxes $522$6,264
Electricity $202$2,432
Total$4,053$48,636
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$138,960/yr
40% on housing$121,590/yr
45% on housing$108,080/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: 12.7%
12.7%
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

$304This listing

vs Other Active Listings

Avg $/sqft

ZIP 43512$115
Defiance County$116

vs Homes Sold Last Month

Median $/sqft

ZIP 43512$119
Defiance County$136

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
2026-07-31Price change$575,000
2026-07-15Listed for sale$595,000
2022-09-30Sold$415,000
2022-09-23Pending sale$415,000
2022-08-13Contingent$415,000
2022-08-12Listed for sale$415,000

For Sale by Agent

AgentCarissa Kost
BrokerageGo Giver Real Estate

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