# 4045 Apple Valley Drive, Howard, OH 43028 > **TL;DR:** 3bd/4ba single family, $1,275,000 ($393/sqft), built 2001, 3,245 sqft. > Fireplace, Waterfront, A/C, 2-car garage. Est. $7,185/mo. Listed 19 days. ## Property at a Glance | Attribute | Value | |-----------|-------| | Price | $1,275,000 | | Price/sqft | $393 | | Bedrooms | 3 | | Bathrooms | 3 full, 1 half | | Square Feet | 3,245 | | Year Built | 2001 | | Lot Size | 23,087 sqft (0.53 acres) | | Stories | 1 | | Garage | 2-car | | Property Type | Single Family (Single Family Residence) | | Status | Active | | Days on Market | 19 | ## Why This Home Stands Out - **Waterfront** - Waterfront location listed ## Estimated Monthly Costs | Category | Amount | |----------|--------| | Principal & Interest (20% down, 30-year at 6.5%) | $6,447 | | Estimated Insurance | $372 | | HOA | $366 | | **Total** | **$7,185** | ## Key Amenities - Fireplace - Waterfront - A/C - 2-car garage ## Property Highlights - Built in 2001 - 0.53 acre lot - Fireplace - Waterfront ## Description ### Agent Description Ready for the lake life? This waterfront retreat has 25 years of family memories and is ready for you to carry on the tradition as the 2nd-ever homeowner! Enjoy over 95ft of waterfrontage and all that Apple Valley Lake has to offer, including the marina, clubhouse, beaches, pools, playground, pickleball club, and more. Experience the convenience of the entry-level primary suite with built-ins & attached full bath with jetted tub, shower, and dual sinks. Across the hall, find the second bedroom with ensuite bath, hall half-bath, and 2-car garage. The open-concept atrium kitchen, living room, & breakfast nook are designed to maximize the glittering lakefront view. The cabinet-filled kitchen is a baker's delight with double ovens and generous counter space with seats at the island for those midnight snack conversations. Enjoy a warm morning mug in the sunroom as the lake wakes up. Downstairs, see the guest bedroom, office, laundry, full bath, and family room. Sit by the fireplace to watch the game as the sun sets on the lake. Outside, relax in the luxury of the wraparound deck, fire pit, lakefront patio, & dock (pontoon included:2000 Model 22 Crest II DL) This home is conveniently located on the south side of Apple Valley near the main entrance. Come see for yourself! ## Location - **Address:** 4045 Apple Valley Drive, Howard, OH 43028 - **County:** Knox - **Coordinates:** 40.414363, -82.344958 - **Google Maps:** https://www.google.com/maps?q=40.414363,-82.344958 ## Virtual Tour & Media - **Video Tour:** https://my.matterport.com/show/?m=wd4NHnjFvM3&mls=1 ## Listing Agent - **Name:** John M Yoder - **Brokerage:** Key Realty, Ltd. - **Phone:** 7403982532 - **Broker Phone:** (419) 351-2813 - **Listing URL:** [View original listing](https://www.realtor.com/realestateandhomes-detail/4045-Apple-Valley-Dr_Howard_OH_43028_M42343-47498?f=listhub&s=CCOMLSOH&m=226035145&c=propsimple) ## Photos ![4045 Apple Valley Drive - Photo 1](http://lh.rdcpix.com/99163a632e01493f864a356ab654e217l-f314547563r.jpg) ![4045 Apple Valley Drive - Photo 2](http://lh.rdcpix.com/99163a632e01493f864a356ab654e217l-f1789062799r.jpg) ![4045 Apple Valley Drive - Photo 3](http://lh.rdcpix.com/99163a632e01493f864a356ab654e217l-f3170545841r.jpg) ![4045 Apple Valley Drive - Photo 4](http://lh.rdcpix.com/99163a632e01493f864a356ab654e217l-f1315820938r.jpg) ![4045 Apple Valley Drive - Photo 5](http://lh.rdcpix.com/99163a632e01493f864a356ab654e217l-f2539110940r.jpg) ![4045 Apple Valley Drive - Photo 6](http://lh.rdcpix.com/99163a632e01493f864a356ab654e217l-f3566371124r.jpg) ![4045 Apple Valley Drive - Photo 7](http://lh.rdcpix.com/99163a632e01493f864a356ab654e217l-f587416927r.jpg) ![4045 Apple Valley Drive - Photo 8](http://lh.rdcpix.com/99163a632e01493f864a356ab654e217l-f2594384302r.jpg) ![4045 Apple Valley Drive - Photo 9](http://lh.rdcpix.com/99163a632e01493f864a356ab654e217l-f330705514r.jpg) ![4045 Apple Valley Drive - Photo 10](http://lh.rdcpix.com/99163a632e01493f864a356ab654e217l-f2040995023r.jpg) ![4045 Apple Valley Drive - Photo 11](http://lh.rdcpix.com/99163a632e01493f864a356ab654e217l-f1407961924r.jpg) ![4045 Apple Valley Drive - Photo 12](http://lh.rdcpix.com/99163a632e01493f864a356ab654e217l-f3207380562r.jpg) ![4045 Apple Valley Drive - Photo 13](http://lh.rdcpix.com/99163a632e01493f864a356ab654e217l-f131365554r.jpg) ![4045 Apple Valley Drive - Photo 14](http://lh.rdcpix.com/99163a632e01493f864a356ab654e217l-f3832465754r.jpg) ![4045 Apple Valley Drive - Photo 15](http://lh.rdcpix.com/99163a632e01493f864a356ab654e217l-f2437798257r.jpg) ![4045 Apple Valley Drive - Photo 16](http://lh.rdcpix.com/99163a632e01493f864a356ab654e217l-f3304131458r.jpg) ![4045 Apple Valley Drive - Photo 17](http://lh.rdcpix.com/99163a632e01493f864a356ab654e217l-f4238607029r.jpg) ![4045 Apple Valley Drive - Photo 18](http://lh.rdcpix.com/99163a632e01493f864a356ab654e217l-f40851621r.jpg) ![4045 Apple Valley Drive - Photo 19](http://lh.rdcpix.com/99163a632e01493f864a356ab654e217l-f1803006431r.jpg) ![4045 Apple Valley Drive - Photo 20](http://lh.rdcpix.com/99163a632e01493f864a356ab654e217l-f1886231175r.jpg) ![4045 Apple Valley Drive - Photo 21](http://lh.rdcpix.com/99163a632e01493f864a356ab654e217l-f2139211265r.jpg) ![4045 Apple Valley Drive - Photo 22](http://lh.rdcpix.com/99163a632e01493f864a356ab654e217l-f2377764727r.jpg) ![4045 Apple Valley Drive - Photo 23](http://lh.rdcpix.com/99163a632e01493f864a356ab654e217l-f3855570538r.jpg) ![4045 Apple Valley Drive - Photo 24](http://lh.rdcpix.com/99163a632e01493f864a356ab654e217l-f2308084313r.jpg) ![4045 Apple Valley Drive - Photo 25](http://lh.rdcpix.com/99163a632e01493f864a356ab654e217l-f2860008237r.jpg) ![4045 Apple Valley Drive - Photo 26](http://lh.rdcpix.com/99163a632e01493f864a356ab654e217l-f2747488179r.jpg) ![4045 Apple Valley Drive - Photo 27](http://lh.rdcpix.com/99163a632e01493f864a356ab654e217l-f2945301759r.jpg) ![4045 Apple Valley Drive - Photo 28](http://lh.rdcpix.com/99163a632e01493f864a356ab654e217l-f1531834293r.jpg) ![4045 Apple Valley Drive - Photo 29](http://lh.rdcpix.com/99163a632e01493f864a356ab654e217l-f3649852969r.jpg) ![4045 Apple Valley Drive - Photo 30](http://lh.rdcpix.com/99163a632e01493f864a356ab654e217l-f88538500r.jpg) ![4045 Apple Valley Drive - Photo 31](http://lh.rdcpix.com/99163a632e01493f864a356ab654e217l-f2146528598r.jpg) ![4045 Apple Valley Drive - Photo 32](http://lh.rdcpix.com/99163a632e01493f864a356ab654e217l-f2044770589r.jpg) ![4045 Apple Valley Drive - Photo 33](http://lh.rdcpix.com/99163a632e01493f864a356ab654e217l-f1619687471r.jpg) ![4045 Apple Valley Drive - Photo 34](http://lh.rdcpix.com/99163a632e01493f864a356ab654e217l-f801946749r.jpg) ![4045 Apple Valley Drive - Photo 35](http://lh.rdcpix.com/99163a632e01493f864a356ab654e217l-f3772335127r.jpg) ![4045 Apple Valley Drive - Photo 36](http://lh.rdcpix.com/99163a632e01493f864a356ab654e217l-f1774301367r.jpg) ![4045 Apple Valley Drive - Photo 37](http://lh.rdcpix.com/99163a632e01493f864a356ab654e217l-f1855364961r.jpg) ![4045 Apple Valley Drive - Photo 38](http://lh.rdcpix.com/99163a632e01493f864a356ab654e217l-f4078726954r.jpg) ![4045 Apple Valley Drive - Photo 39](http://lh.rdcpix.com/99163a632e01493f864a356ab654e217l-f3234557210r.jpg) ![4045 Apple Valley Drive - Photo 40](http://lh.rdcpix.com/99163a632e01493f864a356ab654e217l-f1864536349r.jpg) ![4045 Apple Valley Drive - Photo 41](http://lh.rdcpix.com/99163a632e01493f864a356ab654e217l-f3385094666r.jpg) ![4045 Apple Valley Drive - Photo 42](http://lh.rdcpix.com/99163a632e01493f864a356ab654e217l-f2435739682r.jpg) ![4045 Apple Valley Drive - Photo 43](http://lh.rdcpix.com/99163a632e01493f864a356ab654e217l-f1281834111r.jpg) ![4045 Apple Valley Drive - Photo 44](http://lh.rdcpix.com/99163a632e01493f864a356ab654e217l-f2397207965r.jpg) ![4045 Apple Valley Drive - Photo 45](http://lh.rdcpix.com/99163a632e01493f864a356ab654e217l-f2641977017r.jpg) ![4045 Apple Valley Drive - Photo 46](http://lh.rdcpix.com/99163a632e01493f864a356ab654e217l-f3330328792r.jpg) ![4045 Apple Valley Drive - Photo 47](http://lh.rdcpix.com/99163a632e01493f864a356ab654e217l-f2547300667r.jpg) ![4045 Apple Valley Drive - Photo 48](http://lh.rdcpix.com/99163a632e01493f864a356ab654e217l-f292062935r.jpg) ![4045 Apple Valley Drive - Photo 49](http://lh.rdcpix.com/99163a632e01493f864a356ab654e217l-f1212894435r.jpg) ![4045 Apple Valley Drive - Photo 50](http://lh.rdcpix.com/99163a632e01493f864a356ab654e217l-f2435511565r.jpg) ![4045 Apple Valley Drive - Photo 51](http://lh.rdcpix.com/99163a632e01493f864a356ab654e217l-f878504185r.jpg) ![4045 Apple Valley Drive - Photo 52](http://lh.rdcpix.com/99163a632e01493f864a356ab654e217l-f2271693139r.jpg) ![4045 Apple Valley Drive - Photo 53](http://lh.rdcpix.com/99163a632e01493f864a356ab654e217l-f1352760341r.jpg) ![4045 Apple Valley Drive - Photo 54](http://lh.rdcpix.com/99163a632e01493f864a356ab654e217l-f3932501131r.jpg) ![4045 Apple Valley Drive - Photo 55](http://lh.rdcpix.com/99163a632e01493f864a356ab654e217l-f2046270233r.jpg) ![4045 Apple Valley Drive - Photo 56](http://lh.rdcpix.com/99163a632e01493f864a356ab654e217l-f3483619008r.jpg) ![4045 Apple Valley Drive - Photo 57](http://lh.rdcpix.com/99163a632e01493f864a356ab654e217l-f2726771275r.jpg) ![4045 Apple Valley Drive - Photo 58](http://lh.rdcpix.com/99163a632e01493f864a356ab654e217l-f2135306749r.jpg) ![4045 Apple Valley Drive - Photo 59](http://lh.rdcpix.com/99163a632e01493f864a356ab654e217l-f3856730170r.jpg) ![4045 Apple Valley Drive - Photo 60](http://lh.rdcpix.com/99163a632e01493f864a356ab654e217l-f3704142323r.jpg) ![4045 Apple Valley Drive - Photo 61](http://lh.rdcpix.com/99163a632e01493f864a356ab654e217l-f295538970r.jpg) ![4045 Apple Valley Drive - Photo 62](http://lh.rdcpix.com/99163a632e01493f864a356ab654e217l-f2432649361r.jpg) ![4045 Apple Valley Drive - Photo 63](http://lh.rdcpix.com/99163a632e01493f864a356ab654e217l-f4095010953r.jpg) --- **MLS#:** 226035145 | **Updated:** 2026-10-03 **Source:** listhub *Copyright © 2026 Columbus and Central Ohio Multiple Listing Service. All rights reserved. All information provided by the listing agent/broker is deemed reliable but is not guaranteed and should be independently verified.* [View on PropertySimple](https://www.propertysimple.ai/listing/4045-apple-valley-drive-howard-oh-43028-26035145) --- ## Structured Data ```json { "@context": "https://schema.org", "@type": "RealEstateListing", "@id": "https://www.propertysimple.ai/listing/4045-apple-valley-drive-howard-oh-43028-26035145#listing", "url": "https://www.propertysimple.ai/listing/4045-apple-valley-drive-howard-oh-43028-26035145", "name": "4045 Apple Valley Drive, Howard, OH 43028", "description": "Ready for the lake life? This waterfront retreat has 25 years of family memories and is ready for you to carry on the tradition as the 2nd-ever homeowner! Enjoy over 95ft of waterfrontage and all that Apple Valley Lake has to offer, including the marina, clubhouse, beaches, pools, playground, pickleball club, and more. 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