1372 Churchill Rd · Lyndhurst, OH 44124

$215,000

2 bd · 1.0 ba · 1,057 sqft · SingleFamily public records · 17 Days on market

Built 1960 6,969 sqft lot Est $201k · 7% over

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Why this score? — see what drove the F grade

The composite is a weighted blend of 9 inputs, each scored 0–100. Each bar is that input's sub-score; the figure is the points it added to the 100-point composite (weight × sub-score).

• Cash flow +9.3/30.0
• ARV discount +4.3/15.0
• Livability +4.1/5.0
• Rent growth +3.6/5.0
• 1% rule +3.2/10.0
• Schools +3.1/10.0
• DSCR +2.6/10.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Fully remodeled home offers one floor living with a finished basement. Beautifully updated kitchen with white shaker cabinets, pantry and pallet wall.

Key facts

• 6,969 sq ft lot
• 2 garage spots
• Built 1960

Property features AI

Exterior

• Parking: Driveway; Detached garage; 2-car garage
• Utilities: Public water; Public sewer
• Home design: Single-story; Updated/remodeled condition; Vinyl siding; Asphalt/fiberglass roof
• Construction: Vinyl siding construction; Asphalt/Fiberglass roof
• Exterior features: Smoke detectors

Interior

• Kitchen: Dishwasher; Microwave; Range; Refrigerator
• Bedrooms: 3 main-level bedrooms
• Bathrooms: 2 full bathrooms total; 1 main-level bathroom
• Heating & cooling: Forced air heating; Central air conditioning
• Interior features: Wired for sound; Partially finished basement
• Laundry & utility: Washer; Dryer; Laundry in basement

What this means for you Summary

Snapshot

• This is a 2-bed/1.0-bath single-family listed at $215k.

Deal economics

• At list price, monthly cash flow is $-157 ($-2k/yr) — negative.
• To cash-flow at today's rent, offer at most $187k (12.9% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $177k (17.6% below list).
• Recommended offer: $177k (17.6% below list) — sets the bar for 1% rule.

Location & tenants

• Location reads 82/100 on livability (#76 in OH, #1,152 nationally) — a professional / high-income tenant draw. Strengths: cost of living A+, housing A+, health & safety A+; Watch: amenities C-, commute F.
• South Euclid-Lyndhurst City (suburban): math 23% / reading 45% proficiency, ranked #556 of 656 in OH (top 85%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Zoned schools: Sunview Elementary School (math 57% / reading 47%, grade C-, #851 of 1,584 statewide, top 56%, 359 students, 36% FRL); Memorial Junior High School (math 19% / reading 45%, grade F, #559 of 654 statewide, top 87%, 497 students, 51% FRL); Brush High School (math 32% / reading 47%, grade F, #528 of 781 statewide, top 71%, 1,041 students, 44% FRL) — zoned schools at 44% FRL track the district average.
• Market conditions: Rents rising fast (+4.5%/yr); 179 active listings in the ZIP; 6 comparable units currently listed for rent nearby; rentals lingering (median 45d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 50% of comp listings sitting > 30 days — soft ceiling on asking rent; solid renter incomes; 1,441 units permitted in Cuyahoga County in 2024 (700 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $1k of loan paydown is wiped out by about $6k of value loss. Plan a longer hold.
• Cuyahoga County population projected to shrink 8% by 2050 — rents likely to lag national; underwrite the cash flow, not the appreciation.

Negotiation context

• It's been on market 17 days — a 2% lower offer ($212k) is reasonable based on typical stale-listing flexibility.
• 8 sale attempts since 24y ago with the ask held roughly flat each time — persistent listings suggest the price (not the market) is what's stuck; bring a comps-based counter.
• Current owner paid $127k; list at $215k implies a 69% gain — meaningful room to come down on a strong offer.

Recommended offer $177,140 (17.6% below list)

Questions for the listing agent

1. What do current leases actually rent for vs. the listed asking? Can we see a recent rent roll and the last 12 months of T-12 income?
2. Built in 1960 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. Schools are A-rated — typically a magnet for longer-tenancy family renters. What's the average tenant stay here, and is there a school-zone premium baked into asking?
5. The area grade is low — what's the realistic commute time and amenity access for the typical tenant pool here? Any planned neighborhood developments (good or bad) we should know about?
6. What's the average days-on-market for RENTAL listings here right now (not sales)? A rising rental-DOM trend means longer vacancies and softer asking-rent achievability than the comps imply.
7. What's the recent tenant-quality profile in this submarket — average credit score on applications, eviction rate, late-payment / NSF rate, and stable-employment percentage? A property-management company in the area should have these aggregated.
8. How much new for-sale + rental construction is in the pipeline within 1–3 miles? Heavy new supply typically softens prices + rents 12–24 months out; constrained supply supports both.

Investment metrics

• 1% rule: 0.82% ✗
• Cap rate: 5.41%
• Cash-on-cash: -3.14%
• DSCR: 0.86
• GRM: 10.1

CMA / ARV

• ARV (on-the-fly): $200,830
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
1176 Irene Rd	0.38mi	2/2.0	1,056 (-0%)	6mo	$229,500	$217	73
1547 Commodore Rd	0.33mi	3/1.0 (+1)	980 (-7%)	1mo	$179,000	$183	66
1348 Churchill Rd	0.05mi	3/2.0 (+1)	1,152 (+9%)	9mo	$218,500	$190	66
1304 Irene Rd	0.15mi	3/2.0 (+1)	1,190 (+13%)	3mo	$229,000	$192	61
1516 Sunview Rd	0.33mi	3/1.5 (+1)	1,197 (+13%)	2mo	$165,000	$138	54
5100 Edenhurst Rd	0.60mi	2/2.0	1,014 (-4%)	11mo	$201,000	$198	52
5299 Haverford Dr	0.37mi	3/1.5 (+1)	1,200 (+14%)	1mo	$159,000	$133	52
1135 Blanchester Rd	0.48mi	3/1.0 (+1)	1,178 (+11%)	9mo	$215,000	$183	46
5115 Oakmont Dr	0.56mi	3/2.0 (+1)	1,180 (+12%)	0mo	$249,000	$211	45
5164 Edenhurst Rd	0.50mi	3/2.5 (+1)	1,190 (+13%)	5mo	$155,000	$130	40
5011 S Sedgewick Rd	0.74mi	3/1.5 (+1)	1,170 (+11%)	2mo	$210,000	$179	39
5431 Summit Rd	0.60mi	3/1.5 (+1)	1,176 (+11%)	9mo	$243,000	$207	38

Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.

Projected returns pro-forma

-3.0% appreciation · 4.45% rent growth · sell at horizon

5-year hold

• IRR: -19.8%
• Equity multiple: 0.30×
• Total profit: $-42,168
• Equity at exit: $32,057

10-year hold

• IRR: -9.7%
• Equity multiple: 0.36×
• Total profit: $-38,256
• Equity at exit: $18,589

Cash invested: $60,200 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

• Overall (STATE): 73 Landlord-Friendly
• State Ohio: 73 Landlord-Friendly · R+6
• County: — inherits STATE
• City: — inherits STATE

3-day notice; Cleveland / Columbus have some habitability code enforcement; otherwise landlord-leaning.

Methodology + full state rankings →

ZIP-level market 44124

• Rents YoY: 4.5%
• Active inventory: 179
• Price-to-rent: 10.1×

Monthly cashflow live

• Estimated rent: $1,771 high
• Mortgage (P&I): −$1,127
• Tax from tax record: −$340 /mo · $4,076/yr
• Insurance: −$90
• HOA: −$0
• Vacancy / Maint / Mgmt: −$372
• Net cashflow: $-157

Break-even live

Break-even rent $1,971

Max offer price $187,206

Occupancy floor —

Sensitivity live

Price	-10% $-36	-5% $-96	+0% $-157	+5% $-218	+10% $-279
Rent	-10% $-297	-5% $-227	+0% $-157	+5% $-87	+10% $-17
Rate	-1.0pp $-49	-0.5pp $-103	base $-157	+0.5pp $-213	+1.0pp $-270

UW: 25.0% down · 7.5% · 30yr · 1.5% tax · 5.0% vac · 8.0% maint · 8.0% mgmt

Financing live

Cash to close

• Down payment: $53,750
• Closing costs: $6,450
• Reserves months: —
• Total cash needed: —

Rent comps 6 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
1207 Churchill Rd Cleveland, OH	3.0	2.0	1134	$1,895	$1.67	25d	1	0.29mi
1547 Commodore Rd Cleveland, OH	3.0	1.0	980	$1,795	$1.83	16d	1	0.36mi
5112 Haverford Dr Cleveland, OH	2.0	2.0	850	$1,650	$1.94	21d	1	0.64mi
4994 N Sedgewick Rd Cleveland, OH	3.0	1.5	1400	$3,000	$2.14	45d	1	0.78mi
2112 Acacia Park Dr #220 Cleveland, OH	2.0	2.0	1222	$1,700	$1.39	45d	1	1.40mi
2111 Acacia Park Dr Lyndhurst, OH	1.0	1.0	790	$1,335	$1.69	45d	1	1.43mi

Listing history 27 events

1. 2026-06-07
   statusdays on market $215,000 Pending 17 DOM
2. 2026-06-05
   days on market $215,000 Active 15 DOM
3. 2026-06-03
   days on market $215,000 Active 14 DOM
4. 2026-06-02
   days on market $215,000 Active 13 DOM
5. 2026-06-01
   days on market $215,000 Active 12 DOM
6. 2026-05-31
   days on market $215,000 Active 11 DOM
7. 2026-05-18
   listed $215,000 Active
8. 2019-07-19
   soldstatus $127,100 Closed 150-char remark

   Show marketing remark (150 chars)

   Fully remodeled home offers one floor living with a finished basement. Beautifully updated kitchen with white shaker cabinets, pantry and pallet wall.

9. 2019-07-19
   soldstatus $127,100

   Show marketing remark (150 chars)

   Fully remodeled home offers one floor living with a finished basement. Beautifully updated kitchen with white shaker cabinets, pantry and pallet wall.

10. 2019-06-27
    status Pending 150-char remark

    Show marketing remark (150 chars)

    Fully remodeled home offers one floor living with a finished basement. Beautifully updated kitchen with white shaker cabinets, pantry and pallet wall.

11. 2019-06-04
    historical Contingent 150-char remark

    Show marketing remark (150 chars)

    Fully remodeled home offers one floor living with a finished basement. Beautifully updated kitchen with white shaker cabinets, pantry and pallet wall.

12. 2019-06-02
    listed $124,900 Active 150-char remark

    Show marketing remark (150 chars)

    Fully remodeled home offers one floor living with a finished basement. Beautifully updated kitchen with white shaker cabinets, pantry and pallet wall.

13. 2018-02-22
    soldstatus $64,800 Sold 193-char remark

    Show marketing remark (193 chars)

    HUD Case # 412-533387. Sharp three bedroom ranch. Hardwood floors, vinyl replacement windows and much more. Second full bath in the partially finished lower level. FHA Insured IE Repair Escrow

14. 2018-01-24
    status Pending 193-char remark

    Show marketing remark (193 chars)

    HUD Case # 412-533387. Sharp three bedroom ranch. Hardwood floors, vinyl replacement windows and much more. Second full bath in the partially finished lower level. FHA Insured IE Repair Escrow

15. 2018-01-18
    status Active 193-char remark

    Show marketing remark (193 chars)

    HUD Case # 412-533387. Sharp three bedroom ranch. Hardwood floors, vinyl replacement windows and much more. Second full bath in the partially finished lower level. FHA Insured IE Repair Escrow

16. 2018-01-16
    status Pending 193-char remark

    Show marketing remark (193 chars)

    HUD Case # 412-533387. Sharp three bedroom ranch. Hardwood floors, vinyl replacement windows and much more. Second full bath in the partially finished lower level. FHA Insured IE Repair Escrow

17. 2018-01-04
    listed $68,000 Active 193-char remark

    Show marketing remark (193 chars)

    HUD Case # 412-533387. Sharp three bedroom ranch. Hardwood floors, vinyl replacement windows and much more. Second full bath in the partially finished lower level. FHA Insured IE Repair Escrow

18. 2017-11-07
    historical
19. 2017-10-31
    listed $78,000 Active
20. 2005-09-06
    soldstatus $135,000
21. 2005-08-31
    soldstatus $135,000
22. 2005-07-13
    listed $138,900
23. 2002-06-13
    soldstatus $123,000
24. 2002-06-13
    soldstatus $123,000
25. 2002-05-03
    listed $124,900
26. 2002-04-10
    historical
27. 2002-01-10
    listed $129,900

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

Tax reassessment forecast OH · Partial reset (capped growth)

• Current annual tax: $4,076 · $340/mo
• Projected year-2 tax: $4,076 · $340/mo
• Expected delta: $0/yr ($0/mo · 0.0%)

ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.

Climate risk First Street

• 🌊 Flood 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
• 🔥 Wildfire 1/10 Low
• 🌡 Heat 2/10 Low 7 d/yr ≥96°F today · 17 d/yr by 30 yrs out
• 💨 Wind 1/10 Low
• 🫁 Air quality 3/10 Moderate 2 unhealthy d/yr today · 5 by 30 yrs out

Taxation est. · year 1

• Rental income: $21,257
• − Mortgage interest: −$12,043
• − Property taxes: −$4,076
• − Insurance: −$1,075
• − Repairs & maintenance: −$1,701
• − Management: −$1,701
• − Depreciation: −$6,255
• Taxable loss: −$5,593
• Est. tax savings @ 24.0%: +$1,342
• After-tax cash flow: $-546/yr

For passive investors: Depreciation is non-cash, so a rental often shows a tax loss while cash-flowing — sheltering income. Rental losses are passive: they offset passive income freely, and up to $25,000/yr can offset ordinary (W-2) income if you actively participate and your MAGI is under $100k (phasing out to $0 by $150k); unused losses carry forward. On sale, claimed depreciation is recaptured at up to 25%, and gains may owe capital-gains tax (a 1031 exchange can defer both). Figures are a year-1 estimate at your 24.0% rate — not tax advice; consult a CPA.

Schools (NCES district)

• District: South Euclid-Lyndhurst City
• NCES district ID: 3904479
• Math proficiency: 23% ▼ -22.00%
• Reading proficiency: 45% ▼ -11.00%
• Median HH income: $61,244
• Composite: 30.51/100
• National rank: #6212
• State rank: #556 of 656 in OH

Livability — Lyndhurst

• Score: 82/100
• State rank: #76
• US rank: #1152

Category grades

Amenities C- Commute F Cost of living A+ Crime A Employment A Housing A+ Health & safety A+ User ratings A

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Lyndhurst, OH
• County: Cuyahoga County · 1,090,369 people
• Metro: Cleveland-Elyria, OH
• Population (ZIP): 39,779
• Household income: $82,392
• Rent vs Own: 35.6% rent · 64.4% own
• Severe rent burden: 1286.0

Population outlook (Cuyahoga County) Hauer SSP2

• Today (2025): 1,244,621 people
• By 2030: 1,230,093 · -1.2%
• By 2040: 1,189,108 · -4.5%
• By 2050: 1,145,706 · -7.9%
• By 2075: 1,076,557 · -13.5%
• By 2100: 978,987 · -21.3%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (69%)
• Race & ethnicity: White 69% Black 15% Two or more races 7% Asian 6% Hispanic / Latino 4%
• Common ancestry: Romanian 6% Scotch-Irish 4% Lithuanian 3%
• Foreign-born: 14% · Canada, China, Vietnam
• Languages at home: 84% English-only · Russian/Polish/Slavic 4% Other Indo-European 4% Spanish 3%

Political lean MEDSL · Cuyahoga

• 2024 margin: Solid D (+31.5) · D 65.4% · R 33.9%
• 2008→2024 swing: -7.4pp toward R · 2008: 38.9pp · 2024: 31.5pp
• All cycles: 2024: D+31.5 2020: D+34.1 2016: D+35.0 2012: D+38.7 2008: D+38.9

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -212.96%
• Current HPI: 164.108
• Rent YoY: ▲ 4.45%
• Metro: Cleveland-Elyria, OH
• State GDP YoY: ▲ 1.98%
• F500 in state: 48

Industry mix (Fortune 500 HQ in OH)

Industry	F500 HQs	Revenue
▸Insurance	3	$145B
▸Industrial Machinery	3	$49B
▸Financial Services	3	$24B
▸Consumer Goods	2	$93B
▸Aerospace / Defense	2	$47B
▸Utilities	2	$33B

Price history

+65.5% since first listed

21 events — show timeline

• 2026-05-18 Listed $215,000 MLSNOW
• 2019-07-19 Sold (Public Records) $127,100 Public Records
• 2019-07-19 Sold (MLS) $127,100 MLSNOW
• 2019-06-27 Pending — MLSNOW
• 2019-06-04 Contingent — MLSNOW
• 2019-06-02 Listed $124,900 MLSNOW
• 2018-02-22 Sold (MLS) $64,800 MLSNOW
• 2018-01-24 Pending — MLSNOW
• 2018-01-18 Relisted — MLSNOW
• 2018-01-16 Pending — MLSNOW
• 2018-01-04 Listed $68,000 MLSNOW
• 2017-11-07 Listing Removed — MLSNOW
• 2017-10-31 Listed $78,000 MLSNOW
• 2005-09-06 Sold (MLS) $135,000 MLSNOW
• 2005-08-31 Sold (Public Records) $135,000 Public Records
• 2005-07-13 Listed $138,900 MLSNOW
• 2002-06-13 Sold (Public Records) $123,000 Public Records
• 2002-06-13 Sold (MLS) $123,000 MLSNOW
• 2002-05-03 Listed $124,900 MLSNOW
• 2002-04-10 Listing Removed — MLSNOW
• 2002-01-10 Listed $129,900 MLSNOW

Property tax history

+2.0%/yr

Latest (2025): $4,076 · +11.2% YoY. Source: county tax records.