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Liz and Bill Spear
Our team serves residential home buyers and sellers throughout southwest Ohio, from Dayton to Cincinnati and all points in between. Your referrals are appreciated. Liz & Bill Spear
Cell: 513-520-5305
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Real Estate Agent
Joe Jackson
Licensed since 1979 CRS and E-Pro. I am a part owner of the Keller Williams Capital Partners Realty market center. We sell single family homes ,apartments and small commercial buildings.
Office: 614 431 1220
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All About Ohio Real Estate

By Doug Haney, Springfield Ohio Real Estate Agent
(The Haney Group / Coldwell Banker Heritage)
What Is PMI, and How Do You Get Rid of It Near Mad River Township, Ohio? A plain-English guide to mortgage insurance costs, cancellation rules, and how FHA, VA, and USDA loans compare for buyers near Mad River Township and Springfield, Ohio. Talk to Douglas Haney & The Haney Group Published September 2026 · Updated September 2026 · By Douglas Haney & The Haney Group, Springfield, OHDouglas Haney leads The Haney Group at Coldwell Banker Heritage, working alongside Lisa Ackerman, Brad Shuman, and Amanda Russell to help buyers and sellers navigate Mad River Township, Springfield, and the surrounding Ohio market every day. Quick Answer Private mortgage insurance (PMI) is required on most conventional loans with less than 20% down, and typically costs $30 to $70 a month for every $100,000 y...
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By Doug Haney, Springfield Ohio Real Estate Agent
(The Haney Group / Coldwell Banker Heritage)
What Is an Assumable Mortgage? How FHA & VA Loan Assumption Works Near Enon, Ohio With 30-year rates hovering near 6.8%, taking over a seller's existing FHA or VA loan near Enon, Ohio could lock in a payment from a 3-5% world. Here's how loan assumption actually works. Talk to Douglas Haney & The Haney Group Published September 2026 · Updated September 2026 · By Douglas Haney & The Haney Group, Springfield, OHDouglas Haney leads The Haney Group at Coldwell Banker Heritage, working alongside Lisa Ackerman, Brad Shuman, and Amanda Russell to help buyers and sellers navigate Enon, Springfield, and the surrounding Ohio market every day. Quick Answer An assumable mortgage lets a buyer take over the seller's existing loan balance, interest rate, and term instead of getting new financing. FHA...
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By inboundREM Market Updates
(InboundREM)
How Cincinnati prepaid taxes and insurance costs Affect BuyersFor buyers preparing to purchase a home, Cincinnati prepaid taxes and insurance costs can make the cash needed at closing higher than expected. These expenses are separate from the down payment and many standard loan fees. They can include prepaid homeowners insurance, property tax funds placed into escrow, and interest charged before the first regular mortgage payment.The exact amount depends on the property, loan, insurance premium, closing timing, and lender requirements. Buyers should review these items early because two homes with similar prices can require different prepaid amounts.Prepaid Costs Are Different From Closing FeesPrepaid expenses often appear beside closing costs, but they serve a different purpose. A lende...
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By Christopher Lotte, Realtor® with eXp Realty, 614-983-3277
(Realtor® with eXp Realty)
Every timeline in Plain City runs about three months. Homes that sold took 96 days. Homes under contract took 103. Listings still available have been sitting 102. Nothing here moves quickly, and for a market where the average home sells for $605,532, that patience is the defining feature rather than a warning sign.Below is a full breakdown of current Plain City housing market conditions — active inventory, pending sales, closed sales, price per square foot and days on market — plus what the numbers mean if you are planning to buy or sell in Madison County this fall.Plain City OH Market Snapshot – August 2026These figures come from live MLS data for the Plain City market area, covering active, pending and recently sold residential listings. Market Metric Active Listings Pending Sales Sol...
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By Christopher Lotte, Realtor® with eXp Realty, 614-983-3277
(Realtor® with eXp Realty)
Powell's active listings have been on the market an average of 73 days. The homes that went under contract took 88, and the ones that closed took 75. Read that ordering again — the inventory available right now is newer than what buyers have already committed to. Fresh supply is arriving in Powell, and it is arriving priced about 7% higher per square foot than what the market has been paying.Below is a full breakdown of current Powell housing market conditions — active inventory, pending sales, closed sales, price per square foot and days on market — plus what the numbers mean if you are planning to buy or sell in Delaware County this fall.Powell OH Market Snapshot – August 2026These figures come from live MLS data for the Powell market area, covering active, pending and recently sold r...
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By Christopher Lotte, Realtor® with eXp Realty, 614-983-3277
(Realtor® with eXp Realty)
The most alarming number in Hilliard's report is the one you should pay the least attention to. Active listings average $552,148 while closed sales averaged $426,484 — a gap of $125,664 that looks like sellers have lost the plot. They have not. Measured per square foot, today's inventory is priced at $211 against the $213 buyers actually paid, and Hilliard homes are closing for more than their asking price.Below is a full breakdown of current Hilliard housing market conditions — active inventory, pending sales, closed sales, price per square foot and days on market — plus what the numbers mean if you are planning to buy or sell in Franklin County this fall.Hilliard OH Market Snapshot – August 2026These figures come from live MLS data for the Hilliard market area, covering active, pendin...
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By Christopher Lotte, Realtor® with eXp Realty, 614-983-3277
(Realtor® with eXp Realty)
Across 784 closed sales, Westerville homes listed at an average of $467,515 and sold for $470,254. Sold price above list price — not at it, above it. That is the only submarket in Central Ohio where that is true this month, and it comes paired with the fastest sale times in the region at 52 days.Below is a full breakdown of current Westerville housing market conditions — active inventory, pending sales, closed sales, price per square foot and days on market — plus what the numbers mean if you are planning to buy or sell in Franklin County this fall.Westerville OH Market Snapshot – August 2026These figures come from live MLS data for the Westerville market area, covering active, pending and recently sold residential listings. Market Metric Active Listings Pending Sales Sold Listings Numb...
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By Christopher Lotte, Realtor® with eXp Realty, 614-983-3277
(Realtor® with eXp Realty)
There are two New Albany housing markets right now, and the averages blend them into something that describes neither. One of them sells in 59 days at $229 per square foot. The other has been sitting for 165 days asking $346. Knowing which one your house belongs to — or which one you are shopping in — is the entire game here this fall.Below is a full breakdown of current New Albany housing market conditions — active inventory, pending sales, closed sales, price per square foot and days on market — plus what the numbers mean if you are planning to buy or sell in Franklin County this fall.New Albany OH Market Snapshot – August 2026These figures come from live MLS data for the New Albany market area, covering active, pending and recently sold residential listings. Market Metric Active List...
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By Christopher Lotte, Realtor® with eXp Realty, 614-983-3277
(Realtor® with eXp Realty)
Homes sitting on the market in Delaware are priced at $190 per square foot. Homes that just went under contract are priced at $221. Buyers here are not hunting for the cheapest space available — they are stepping past it and paying a 16% premium per foot for the specific houses they want. That single comparison explains almost everything else in this month's numbers.Below is a full breakdown of current Delaware housing market conditions — active inventory, pending sales, closed sales, price per square foot and days on market — plus what the numbers mean if you are planning to buy or sell in Delaware County this fall.Delaware OH Market Snapshot – August 2026These figures come from live MLS data for the Delaware market area, covering active, pending and recently sold residential listings....
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By Christopher Lotte, Realtor® with eXp Realty, 614-983-3277
(Realtor® with eXp Realty)
The average home for sale in Newark is asking $213 per square foot. The average home that actually sold went for $177. That 20% gap is not a rounding difference or a mix effect — it is the sound of a market declining to pay what sellers are asking, and the 118-day average time on those active listings is the receipt.Below is a full breakdown of current Newark housing market conditions — active inventory, pending sales, closed sales, price per square foot and days on market — plus what the numbers mean if you are planning to buy or sell in Licking County this fall.Newark OH Market Snapshot – August 2026These figures come from live MLS data for the Newark market area, covering active, pending and recently sold residential listings. Market Metric Active Listings Pending Sales Sold Listings...
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By Christopher Lotte, Realtor® with eXp Realty, 614-983-3277
(Realtor® with eXp Realty)
Across 5,030 closed sales, the average Columbus home sold for $325,822. The average home currently on the market is asking $315,169. Read that again — in Ohio's capital city, sellers are asking roughly $10,700 less than what the market has been paying. That is the opposite of nearly every other Central Ohio submarket, and it changes what a smart offer looks like here.Below is a full breakdown of current Columbus housing market conditions — active inventory, pending sales, closed sales, price per square foot and days on market — plus what the numbers mean if you are planning to buy or sell in Franklin County this fall.Columbus OH Market Snapshot – August 2026These figures come from live MLS data for the Columbus market area, covering active, pending and recently sold residential listings...
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By Christopher Lotte, Realtor® with eXp Realty, 614-983-3277
(Realtor® with eXp Realty)
Grove City has 163 homes on the market and 153 already under contract. That is 1.07 available listings for every home a buyer has locked up — and when those deals close, sellers are getting 99.6% of what they asked for. This is not a market with a lot of slack in it, and the widely-quoted $425,718 average asking price hides that fact rather than revealing it.Below is a full breakdown of current Grove City housing market conditions — active inventory, pending sales, closed sales, price per square foot and days on market — plus what the numbers mean if you are planning to buy or sell in Franklin County this fall.Grove City OH Market Snapshot – August 2026These figures come from live MLS data for the Grove City market area, covering active, pending and recently sold residential listings. M...
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By Christopher Lotte, Realtor® with eXp Realty, 614-983-3277
(Realtor® with eXp Realty)
The Pickerington Ohio real estate market heading into late August 2026 looks noticeably different than it did a year ago. Buyers have more choices, sellers are still getting close to full asking price, and the gap between what is listed and what actually closes has become the single most important number in this market.Below is a full breakdown of current Pickerington housing market conditions — active inventory, pending sales, closed sales, price per square foot and days on market — plus what the numbers mean if you are planning to buy or sell in Fairfield County this fall.Pickerington OH Market Snapshot – August 2026These figures come from live MLS data for the Pickerington market area, covering active, pending and recently sold residential listings. Market Metric Active Listings Pend...
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By Christopher Lotte, Realtor® with eXp Realty, 614-983-3277
(Realtor® with eXp Realty)
The Dublin Ohio real estate market is one of the most misread markets in Central Ohio right now. Look only at asking prices and you would conclude Dublin is wildly expensive and slowing down. Look at what is actually closing — and at what buyers are paying per square foot — and a very different picture emerges.Below is a full breakdown of the current Dublin housing market: active inventory, pending sales, closed sales, price per square foot and days on market, plus what the numbers mean if you are planning to buy or sell in Dublin this fall.Dublin OH Market Snapshot – August 2026These figures come from live MLS data for the Dublin market area, covering active, pending and recently sold residential listings. Market Metric Active Listings Pending Sales Sold Listings Number of Properties 1...
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By Sam Miller, Knox County Ohio Real Estate Specialist
(RE/MAX Stars Realty)
We are asked dozens of times each year whether you need to own a waterfront home to enjoy boating, jet skiing, and other activities on Apple Valley Lake. The answer is no! One of the best features of the Apple Valley community is that you do not have to own a lakefront property to enjoy the lake. As long as you own a home or even a vacant lot within Apple Valley and are current on your annual Property Owners Association assessment, you can enjoy many of the community's amenities, including access to the lake.This means that homeowners with homes located throughout the community—not just those on the waterfront—can launch a boat, take a jet ski out on the water, spend the day fishing, or simply enjoy the beautiful lake with family and friends. Many buyers are pleasantly surprised to lear...
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By Sam Miller, Knox County Ohio Real Estate Specialist
(RE/MAX Stars Realty)
One of the most common questions people ask when visiting Knox County is, "Is Apple Valley Lake open to the public?" The short answer is no. Apple Valley Lake is a private, member-owned lake located within the Apple Valley community. Access to the lake and many of its amenities is reserved for property owners and their guests. However, visitors can enjoy the community by staying in a vacation rental or visiting as the guest of a property owner, allowing them to experience the lake lifestyle while following the community's access guidelines.Property owners and their guests have access to a variety of amenities, including the private lake, beaches, marina, clubhouse, parks, campground, and other recreational facilities. Guest policies and access requirements vary depending on the amenity,...
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By Sam Miller, Knox County Ohio Real Estate Specialist
(RE/MAX Stars Realty)
If you're searching for a place where you can enjoy lake life without traveling hours from home, Apple Valley Lake in Howard, Ohio, is truly a hidden gem. Nestled in the scenic rolling hills of Knox County, Apple Valley offers something for everyone. Whether you're looking for a year-round residence, a relaxing vacation home, or the perfect place to gather with family and friends throughout the year, this vibrant lake community has become one of central Ohio's most desirable destinations. Residents enjoy the beauty of every season, from boating and swimming in the summer to colorful autumn views, peaceful winter scenery, and springtime adventures around the lake.One of the many reasons people love owning property at Apple Valley is its affordability. Unlike many lake communities that ch...
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By Sam Miller, Knox County Ohio Real Estate Specialist
(RE/MAX Stars Realty)
One of the most peaceful and picturesque areas of Ariel Foundation Park in Mount Vernon, Ohio, is The Lakes. Located within the park's 250-acre landscape, the three beautiful lakes were once gravel quarries and have since been transformed into a scenic destination for recreation and relaxation. Surrounded by paved walking paths, benches, and open green spaces, The Lakes offer visitors a tranquil setting to enjoy nature while experiencing one of Knox County's most unique parks.The Lakes provide something for everyone to enjoy. Visitors can walk or bike along the paved pathways, cast a line while fishing, or launch a kayak or canoe for a peaceful paddle across the water, following park regulations. Seven picnic pavilions are located throughout the area, making it a popular spot for family...
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By Sam Miller, Knox County Ohio Real Estate Specialist
(RE/MAX Stars Realty)
The Knox County real estate market is showing a somewhat slow pace as we move into August 2026. There are currently 97 active single-family homes available for sale, with 16 additional properties pending a contract. This creates a pending ratio of 14.2%, which helps indicate the relationship between the supply of available homes and buyer demand. The median list price for homes currently on the market is $387,900, with the $300,000–$400,000 price range having the largest inventory at 32 active listings. The $400,000–$500,000 price range also has a relatively large number of contracts pending, suggesting continued activity in that segment of the market.Looking at the past six months, 187 homes have sold in Knox County, with a median sold price of $289,900. The $200,000–$300,000 price ran...
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By Sam Miller, Knox County Ohio Real Estate Specialist
(RE/MAX Stars Realty)
The Mount Vernon, Ohio real estate market is showing a somewhat slow pace as we move into August 2026. There are currently 51 active single-family homes available for sale, with six additional properties pending a contract. This creates a pending ratio of 10.5%, which provides insight into the balance between the number of homes available and the level of buyer demand. The median list price for homes currently on the market is $379,900, while the $300,000–$400,000 price range has the largest number of active listings, with 19 homes currently available.Looking at sales over the past six months, 96 homes have sold in the Mount Vernon market, with a median sold price of $257,500. The $200,000–$300,000 price range had the highest number of sold listings during this period. Homes that sold s...
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By Sam Miller, Knox County Ohio Real Estate Specialist
(RE/MAX Stars Realty)
Tucked along the Mohican Valley Trail in Knox County, Ohio, the Bridge of Dreams is one of the area's most unique and memorable landmarks. This impressive 370-foot covered bridge spans the Mohican River valley and offers visitors a chance to experience a piece of Ohio's railroad history while enjoying the beauty of the surrounding countryside. The Mohican Valley Trail stretches 4.5 miles from Danville to the Holmes County line near Brinkhaven, connecting with both the Kokosing Gap Trail and the Holmes County Trail.The Bridge of Dreams has its roots in the area's railroad history. The original railroad bridge at the site was constructed in the 1920s and once carried the Pennsylvania Railroad line across the Mohican River. After the railroad line was abandoned in the early 1990s, local re...
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By Sam Miller, Knox County Ohio Real Estate Specialist
(RE/MAX Stars Realty)
Explore the Kokosing Gap Trail The Kokosing Gap Trail is one of Knox County's most popular destinations for enjoying the outdoors and exploring the area's beautiful scenery. This 14-mile paved recreational trail follows a former Pennsylvania Railroad line and connects Mount Vernon, Gambier, Howard, and Danville. Whether you're walking, jogging, biking, or rollerblading, the trail offers an easy and enjoyable way to experience the natural beauty of central Ohio. The trail is open year-round and provides access to forests, wetlands, farmland, and the scenic Kokosing River.Along the route, trail users can enjoy a variety of unique sights and natural features. The trail crosses the Kokosing River twice on railroad bridges that are more than 250 feet long, offering beautiful views of the sur...
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By Sam Miller, Knox County Ohio Real Estate Specialist
(RE/MAX Stars Realty)
Explore the Heart of Ohio Trail in Knox County, OhioThe Heart of Ohio Trail is a beautiful multi-use trail that offers nearly 20 miles of opportunities to walk, bike, inline skate, and explore the outdoors in Knox County. Beginning at the historic C.A. & C. Depot at 501 South Main Street in Mount Vernon, the trail stretches to the Village of Centerburg, providing a scenic way to experience the countryside and communities of central Ohio. The trail is part of a larger regional trail system that includes the Kokosing Gap Trail and Mohican Valley Trail, which together form part of the Ohio to Erie Trail—a 326-mile route connecting Cincinnati and Cleveland.One of the highlights of the Heart of Ohio Trail is its smooth, high-quality asphalt surface, making it accessible for a variety of recr...
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