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785 Inverness Dr, Defiance, OH, 43512

3beds
4baths
2,250sqft
$450,000
$200price/sqft
$3,254/moest. monthly cost
$130,160/yrincome needed

About This Home

Beautiful Custom-built home on sought after lot overlooking lake with dock access. Open floor plan with gorgeous windows and hardwoods. Maintenance free decking off of main floor. Full basement with extra rooms and unfinished storage galore. Walk out three season room with access to large yard and dock on lake. Oversized garage with added shop. Many quality upgrades. LOCATION is ideal.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
17
BikeSomewhat Bikeable

Schools

7/10
7/10
Tinora High SchoolGrades 9-124.1 mi
8/10
Tinora Elementary SchoolGrades K-44.3 mi

Construction

Condition

  • Year built: 1987

Materials

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

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Water Heater,Disposal,Dryer,Electric Oven,Refrigerator,Washer
  • Laundry features: Laundry Closet,Main Level

Basement

  • Has basement: Yes
  • Basement: Finished,Interior Entry,Walk-Out Access

Bedroom2

  • Level: Upper

Bedroom3

  • Level: Upper

Bedrooms & Bathrooms

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

Dining Room

  • Level: Main

Exercise Room

  • Level: Lower

Family Room

  • Features: Skylight
  • Level: Main

Features

  • Built-in Features,Cathedral Ceiling(s),Eat-in Kitchen,Entrance Foyer,Open Floorplan,Primary Bathroom,Storage,Walk-In Closet(s),Wet Bar
  • Flooring: Carpet
  • Number of fireplaces: 1
  • Fireplace features: Gas Log,Living Room
  • Fireplace: Yes
  • Finished area below ground: 1,000
  • Common walls with other units/homes: No Common Walls

Game Room

  • Level: Lower

Heating & Cooling

  • Heating features: Forced Air,Natural Gas
  • Cooling features: Central Air

Interior Area

  • Total structure area: 2,250
  • Total interior livable area: 2,250 sqft

Kitchen

  • Features: Kitchen Island
  • Level: Main

Living Room

  • Features: Fireplace
  • Level: Main

Loft

  • Level: Upper

Office

  • Level: Lower

Other

  • Level: Main

Sun Room

  • Level: Lower

Utility Room

  • Level: Main

Property

Details

  • Parcel number: J050182A06100

Features

  • Patio & porch: Front Porch,Deck
  • Exterior features: Balcony,Other
  • Has view: Yes
  • View description: Water,See Remarks
  • Has water view: Yes
  • Water view: Water
  • On waterfront: Yes
  • Waterfront features: Lake

Lot

  • Lot size: 0.50 Acres
  • Lot size dimensions: 92X238

Parking

  • Total spaces: 2
  • Parking features: Concrete,Attached Garage,Driveway
  • Has garage: Yes
  • Attached garage spaces: 2
  • 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

  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Cold Wave
    Cold WaveModerate
  • Hail
    HailModerate
  • Inland Flooding
    Inland FloodingModerate
  • Ice Storm
    Ice StormModerate
  • Lightning
    LightningModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Strong Wind
Tornado
Cold Wave
Hail
Inland Flooding
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 $2,275$27,300
Home Insurance *$330$3,960
Property Taxes $408$4,896
Electricity $241$2,895
Total$3,254$39,048
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$111,565/yr
40% on housing$97,620/yr
45% on housing$86,773/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

$200This listing

vs Other Active Listings

Avg $/sqft

ZIP 43512$117
Defiance County$118

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
2026-07-09Price change$450,000
2026-06-22Listed for sale$474,900

For Sale by Agent

AgentAnne R. Murray
BrokerageHoward Hanna

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