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Real Estate Agent
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 Sam Miller, Knox County Ohio Real Estate Specialist
(RE/MAX Stars Realty)
Super gorgeous barn that has been converted into a spectacular home and they maintained the rustic feel of the original barn but they added some wonderful modern conveniences.  There is also an adorable guest house, a pole barn garage / shop space, walking paths and lots of beautiful trees.  It is VERY rare to find near 50 acres in Knox County that hasn't been made into corn fields and this property is a true "Survivor".  You can view a drone flight over the property by clicking hereView a 3D tour of the inside of the restored barn hereView additional listing details by visiting 13159 Old Mansfield Road, Mount Vernon, Ohio 43050.  This property is available for immediate possession and it is priced at $1,100,000.  Contact The Sam Miller Team of REMAX Stars Realty at 740-397-7800 SamMill...
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By Sam Miller, Knox County Ohio Real Estate Specialist
(RE/MAX Stars Realty)
A cabin in the woods and private country settings are a rare find in the Central Ohio housing market and this place is a hidden gem on nearly 20 acres of land. Custom log cabin with covered porch, deck and balcony 19.53 acres with pond, mature woods and trails Nice sized barn with garages and shop space  Situated back off the road down a private lane It's the perfect property for hunting and outdoors Easy commute to Columbus  $750,000  View the drone video by clicking here View a 3D tour of the inside of this cabin here Contact The Sam Miller Team of REMAX Stars Realty 740-397-7800 SamMillerSells.com
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By Doug Haney, Springfield Ohio Real Estate Agent
(The Haney Group / Coldwell Banker Heritage)
Is a Home Warranty Worth It When Buying a Home Near Tipp City, Ohio? What it actually costs, what it covers, and two real Ohio consumer-protection lawsuits worth knowing about before you sign. Talk to Douglas Haney & The Haney Group Published October 2026 · Updated October 2026 · By Douglas Haney & The Haney Group, Springfield, OHDouglas Haney leads The Haney Group at Coldwell Banker Heritage and helps buyers and sellers navigate Tipp City, Springfield, Ohio (our home base), and the surrounding Ohio market every day. Quick Answer A home warranty is an optional service contract, not a legal requirement in Ohio, and typically runs about $876 a year with a roughly $108 service-call fee per visit. Before a Tipp City-area buyer signs one, it's worth knowing Ohio's Attorney General has sued ...
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By Doug Haney, Springfield Ohio Real Estate Agent
(The Haney Group / Coldwell Banker Heritage)
How Much Earnest Money Do You Need to Buy a Home Near Yellow Springs, Ohio? What Clark, Greene & Montgomery County buyers should set aside — and how to protect it if the deal falls through. Talk to Douglas Haney & The Haney Group Published October 2026 · Updated October 2026 · By Douglas Haney & The Haney Group, Springfield, OHDouglas Haney leads The Haney Group at Coldwell Banker Heritage and helps buyers and sellers navigate Yellow Springs, Springfield, Ohio (our home base), and the surrounding Ohio market every day. Quick Answer Earnest money in Ohio typically runs 1–3% of the purchase price — roughly $2,700–$8,100 on the Dayton region's current median sale price, or $4,050–$12,150 on Yellow Springs, Ohio's 2025 median of $405,000. Your deposit is generally refundable if you cancel ...
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By Doug Haney, Springfield Ohio Real Estate Agent
(The Haney Group / Coldwell Banker Heritage)
How Long Can You Lock In a Mortgage Rate Building New Construction in Centerville, Ohio? What a 30-day resale lock and a 9-month new-construction build have in common — and why they need different strategies. Talk to Douglas Haney & The Haney Group Published October 2026 · Updated October 2026 · By Douglas Haney & The Haney Group, Springfield, OHDouglas Haney leads The Haney Group at Coldwell Banker Heritage and helps buyers and sellers navigate Centerville, Springfield, and the surrounding Ohio market every day. Quick Answer Most buyers in Centerville, Ohio can lock a mortgage rate for 30 to 60 days, but a new-construction purchase usually needs an extended builder lock of 90 days to a year because construction takes longer than a resale closing. As of October 1, 2026, Freddie Mac's s...
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By Doug Haney, Springfield Ohio Real Estate Agent
(The Haney Group / Coldwell Banker Heritage)
Oakwood, Ohio Home Values Jumped in the 2026 Reappraisal — Here's What It Means for Your Tax Bill Montgomery County's 2026 reappraisal and a Homestead Exemption guide for Oakwood, Springfield, Ohio, and Miami Valley homeowners Talk to Douglas Haney & The Haney Group Published October 2026 · Updated October 2026 · By Douglas Haney & The Haney Group, Springfield, OHDouglas Haney leads The Haney Group at Coldwell Banker Heritage, helping buyers and sellers navigate Oakwood, Springfield, Ohio, and the surrounding Dayton and Central Ohio market every day. Quick Answer Montgomery County's 2026 reappraisal raised residential property values in Oakwood, Ohio and the rest of the county by an average of about 19%. Clark County — home to Springfield, Ohio, where our team is based — saw an even bi...
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By Doug Haney, Springfield Ohio Real Estate Agent
(The Haney Group / Coldwell Banker Heritage)
How Much Does Title Insurance Cost in Ohio? What Springfield Buyers Pay And why the answer to "who pays for it" in Springfield, Ohio is different than what you'd hear in Columbus or Cleveland. Talk to Douglas Haney & The Haney Group Published October 2026 · Updated October 2026 · By Douglas Haney & The Haney Group, Springfield, OHDouglas Haney leads The Haney Group at Coldwell Banker Heritage, helping buyers and sellers navigate Springfield, Ohio, the greater Dayton area, and the surrounding Ohio market every day. Quick Answer In Ohio, title insurance is priced off a filed statewide rate schedule — about $5.80 per $1,000 of your purchase price for an owner's policy up to $250,000, plus roughly $150-$175 more for a lender's policy issued at the same time. In Springfield, Ohio and across...
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By Doug Haney, Springfield Ohio Real Estate Agent
(The Haney Group / Coldwell Banker Heritage)
Should You Offer a Mortgage Rate Buydown Instead of Cutting Your Price Near Enon Countryside, Ohio? With 30-year rates back above 7%, sellers near Enon Countryside, Ohio have two tools to keep a listing moving — a price cut or a seller-paid rate buydown. Here's the real dollar-for-dollar comparison. 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 and helps buyers and sellers navigate Enon Countryside, Mad River Township, Springfield, Ohio, and the surrounding Ohio market every day. Quick Answer Near Enon Countryside, Ohio, a seller-paid mortgage rate buydown often delivers more real payment relief to a buyer than an equal-dollar ...
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By Doug Haney, Springfield Ohio Real Estate Agent
(The Haney Group / Coldwell Banker Heritage)
Should You Accept a Contingent Offer? A Mad River Township, Ohio Seller's Guide Backup offers, kick-out clauses, and what to do when your buyer's offer depends on selling their own house first. 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, Enon, Springfield, and the surrounding Ohio market every day. Quick Answer Yes, you can accept a contingent offer when selling your house near Mad River Township, Ohio — but you don't have to give up your leverage to do it. Adding a kick-out clause lets you keep marketing ...
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By Doug Haney, Springfield Ohio Real Estate Agent
(The Haney Group / Coldwell Banker Heritage)
New Construction or Resale? What Buyers Near Springboro, Ohio Are Really Paying in 2026 A side-by-side look at cost, incentives, and trade-offs for buyers weighing Clear Creek Township's active builder market against an existing home. 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 Clear Creek Township, Springboro, and Springfield, Ohio, and the surrounding Ohio market every day. Quick Answer Nationally, new construction ran about $410,700 in Q2 2026 versus roughly $435,700 for an existing home — resale was actually the pricier o...
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By Doug Haney, Springfield Ohio Real Estate Agent
(The Haney Group / Coldwell Banker Heritage)
Can You Sell a House With Tenants in It in Bellbrook, Ohio? What Ohio law says about leases, showings, and security deposits when you sell a rental home in Bellbrook, Sugarcreek Township, and across the Dayton area. 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, sellers, and investors in Bellbrook, our Springfield home base, and the surrounding Ohio market every day. Quick Answer Yes. You can sell a rental home in Bellbrook, Ohio with tenants living in it. The sale doesn't end the lease, so the buyer takes over the tenant and the lease terms. Ohio ...
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By Doug Haney, Springfield Ohio Real Estate Agent
(The Haney Group / Coldwell Banker Heritage)
How Does BAH Affect What You Can Afford Near Wright-Patterson AFB in Beavercreek, Ohio? A plain-English look at 2026 housing allowance rates, how VA lenders count BAH as income, and what it can actually buy in Beavercreek 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 Beavercreek, Springfield, and the surrounding Ohio market every day — including military families PCSing to Wright-Patterson AFB. Quick Answer In 2026, Basic Allowance for Housing (BAH) for Wright-Patterson AFB ranges from about $1,533 to $2,742 a month depending o...
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By Doug Haney, Springfield Ohio Real Estate Agent
(The Haney Group / Coldwell Banker Heritage)
What Closing Costs Do Buyers Pay When Buying a House in Centerville, Ohio? A line-by-line breakdown of what you'll actually owe at the closing table — before you're standing there with a check in your hand 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 Centerville, Springfield, and the surrounding Ohio market every day. Quick Answer Buyers purchasing a home in Centerville, Ohio typically pay 2% to 5% of the purchase price in closing costs — on a $300,000 home, that's roughly $6,000 to $15,000. This covers lender fees, the apprai...
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By Doug Haney, Springfield Ohio Real Estate Agent
(The Haney Group / Coldwell Banker Heritage)
What Happens During a Home Inspection When You Buy a Home in Dayton, Ohio? A step-by-step walkthrough of what your inspector checks, what it costs, and what to do if problems turn up — before you're standing at the closing table. 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 Dayton, Springfield, and the surrounding Ohio market every day. Quick Answer A standard Dayton, Ohio home inspection is a visual, non-invasive walkthrough of a home's roof, foundation, plumbing, electrical, and HVAC systems, usually taking two to four hours...
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By Doug Haney, Springfield Ohio Real Estate Agent
(The Haney Group / Coldwell Banker Heritage)
Ohio's Title Insurance Rates Just Went Up: What Springfield, Ohio Buyers & Sellers Need to Know in 2026 The first rate change since 2002 is now in effect statewide — here's what it actually costs and how to save. 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 Springfield, Ohio, the greater Dayton area, and the surrounding Ohio market every day. Quick Answer Ohio's title insurance rates increased on January 1, 2026 — the first change since 2002 — under a new statewide-filed rate table: a $225 minimum premium, then $5.80 per $1,00...
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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 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 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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