Thinking about buying a split-level home in Westerville? You are not alone. These mid-century designs offer a practical footprint, separate living zones, and a price point that can be appealing compared to some two-story options. If you want function, location, and value, a split-level can check the boxes.
In this guide, you will learn what makes split-levels unique, the pros and cons to consider, the key inspection items to prioritize, renovation ideas that modernize the layout, financing options, and the local due diligence to do for Westerville addresses. Let’s dive in.
What is a split-level?
A split-level is a multi-level home with short stair runs that separate living areas. You often see a main level for kitchen and living, a half flight up for bedrooms, and a half flight down for a family room or finished lower level. Common layouts include tri-level, side-split, and bi-level or raised ranch.
Typical features include compact footprints, partially below-grade lower levels, short staircases, and lower-level utility areas. Many Westerville subdivisions that grew during the 1950s to 1970s include these homes, which helped families gain square footage without a full two-story build.
Why Westerville split-levels appeal
Split-levels make efficient use of lot size and create natural privacy between living and sleeping zones. You may find finished lower levels that work well for playrooms, home offices, or media rooms. Many buyers appreciate that split-levels can be competitively priced against similarly sized two-story homes.
Location still drives value. Proximity to Uptown Westerville, Hoover Reservoir, parks, and major corridors can boost livability and resale potential. Work with local market data, and compare similar split-level sales to benchmark value.
First-tour checklist for buyers
Use this quick checklist when you view a split-level in Westerville:
- Ask for any prior inspection reports and waterproofing history for lower levels.
- Request ages and service records for roof, HVAC, and water heater.
- Look closely at drainage. Note grading, gutter extensions, and downspout routing.
- Count the stairs and note their location. Consider current and future mobility needs.
- Confirm property details and tax history through the Franklin County Auditor.
- Verify school boundary information with Westerville City Schools, and consult the Ohio Department of Education for state-level resources.
- Check flood risk at the FEMA Flood Map Service Center.
Inspection priorities that matter
Split-levels are not more risky than other styles, but their staggered levels and partially below-grade spaces make certain items a priority.
Structure and drainage
Look for step cracks, evidence of settlement, or gaps where different levels meet. In lower levels, check for water stains, musty odors, or efflorescence on concrete. Exterior grading, clean gutters, and properly extended downspouts are essential to steer water away from the foundation.
Systems and safety
Many split-levels were built with a single HVAC system. Ask about the equipment age, service history, and whether zoning was added. Confirm electrical panel capacity and clear access. For families with kids or older adults, review stair and railing safety, including consistent treads and secure handrails.
Environmental health
Homes built before 1978 may include lead-based paint. Learn about safe renovation practices from the EPA Renovation, Repair and Painting Program. Radon is also a consideration in central Ohio. The EPA’s radon guidance outlines testing steps and mitigation basics.
Renovation ideas that modernize
Split-levels can live like today’s homes with the right updates. Popular projects include:
- Opening the kitchen to the main living area where structure allows. Removing walls across level transitions often requires beams or headers, so consult a structural engineer.
- Finishing or waterproofing the lower level for flexible space. Consider ceiling height, egress, and moisture control.
- Updating original bathrooms, which may be smaller in older layouts.
- Boosting energy performance with insulation, air sealing, and modern windows. The ENERGY STAR seal and insulate guidance is a helpful starting point.
Always confirm permits for structural, electrical, plumbing, and HVAC work with the City of Westerville Planning and Development. A permitted project helps protect safety, insurance coverage, and future resale.
Accessibility and aging-in-place
Split-levels offer short stair runs, which can be easier than full flights, but there are still level changes. If you have mobility needs now or expect them in the future, consider solutions such as reconfiguring a bedroom and bath on one level, adding railings, or installing lifts. For practical, consumer-facing tips, explore AARP’s housing resources on the AARP Livable Communities Housing hub.
Financing and appraisal tips
Lenders and appraisers generally treat split-levels like other single-family homes. In neighborhoods where split-levels are common, finding similar comparable sales is straightforward. In mixed-style areas, your appraiser may need more time to source appropriate comps, especially if you bought a fully renovated home.
If you plan updates, renovation financing can bundle purchase and improvements. The HUD FHA 203(k) program is one option that may fund eligible repairs and upgrades in a single loan. Your lender can outline requirements, timelines, and contractor documentation.
For all loans, property condition matters. Moisture in lower levels and safety issues like damaged stair railings often need to be corrected to meet underwriting standards.
Local due diligence for Westerville
A little homework goes a long way. Here is how to vet a specific address:
Property records and taxes
Confirm year built, lot size, legal description, and tax history through the Franklin County Auditor. Compare listed square footage to public records and clarify any finished basement square footage and egress.
Permits and code
Verify past permits and required approvals for planned work with the City of Westerville Planning and Development. Unpermitted finish work is a common red flag.
Schools and boundaries
If school boundaries are important to you, confirm the current boundary for the specific address with Westerville City Schools. For statewide data and resources, visit the Ohio Department of Education. Keep your language neutral and focus on fit for your needs.
Flood and drainage risk
Check the parcel on the FEMA Flood Map Service Center and ask your inspector about site drainage. Even outside mapped flood zones, lower-level moisture can occur if grading and gutter systems are not performing.
Market context
Ask your agent to pull recent split-level comps from local MLS data and review any neighborhood-level trends. The association at Columbus REALTORS publishes market reports that can provide useful context on inventory and activity.
Resale and marketability
Resale outcomes for split-levels vary by location, layout, and updates. Buyers today often want open flow and efficient mechanicals. Homes that celebrate the split-level’s strengths, such as flexible lower-level living, refreshed kitchens and baths, good natural light, and usable outdoor space, tend to stand out. Energy improvements and documented waterproofing also help.
When pricing, compare to similar-age and similar-condition split-levels nearby. While tasteful renovations can boost value, structural limits like ceiling height or narrow kitchens may set an upper bound. Good marketing will highlight functional flow, storage, outdoor areas, and proximity to local amenities.
Your next step
If a split-level feels like the right fit, line up your team. A thorough inspector, a responsive lender, and a local agent who knows Westerville’s micro-markets will smooth your path. We help you evaluate layout, condition, permits, and resale through a clear, low-stress process. When you are ready to tour, compare comps, or explore renovation-friendly loan options, connect with The Oracle Group. We will guide you from search to closing.
FAQs
How common are split-level homes in Westerville?
- Many Westerville subdivisions that expanded in the 1950s to 1970s include split-levels, so you will see a steady presence in mid-century neighborhoods.
What maintenance issues are unique to split-levels?
- Pay close attention to lower-level moisture, exterior grading and downspouts, stair and railing safety, insulation gaps, and the capacity and age of mechanical systems.
Can I open up the floor plan in a split-level?
- Often yes, but you must evaluate load-bearing walls and level transitions, then plan beams or headers and secure permits through the City of Westerville.
What inspections should I insist on before buying a split-level?
- In addition to a general home inspection, consider radon testing, moisture evaluation for lower levels, and detailed checks of HVAC zoning, insulation, windows, and electrical capacity.
How do I research a specific Westerville address?
- Confirm records with the Franklin County Auditor, check permits with the City of Westerville, verify school boundaries, and review FEMA flood maps for risk context.
What loan options help if I plan renovations?
- Ask lenders about renovation financing, including the HUD FHA 203(k) program, which can combine purchase and improvement costs into one loan.
