20710 Fuller Ave · Euclid, OH 44123

$119,900

3 bd · 1.0 ba · 1,486 sqft · SingleFamily public records · 12 Days on market

Built 1924 0.26 ac lot Est $174k · 31% under

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Why this score? — see what drove the C+ 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 +23.2/30.0
• ARV discount +15.0/15.0
• DSCR +7.4/10.0
• 1% rule +6.9/10.0
• Livability +3.9/5.0
• Rent growth +3.8/5.0
• Condition / age +2.5/5.0
• Schools +1.7/10.0
• Appreciation +0.0/10.0

Listing remarks

Own or invest in this generously sized home in Euclid! Two parcels mean a little extra room to roam and more space while still in the city near amenities. The main floor includes a large living area, dining room, kitchen and half bath. The second floor includes 3 bedrooms and a full bath. Large walk-up attic for extra storage or whatever else your imagination can come up with. Full basement with additional full bath. Two car detached garage and plenty of off-street parking.

Key facts

• Half bath
• Two parcels
• Large living area

Tags

• GENEROUSLY SIZED HOME
• TWO PARCELS
• LARGE LIVING AREA
• DINING ROOM
• KITCHEN
• HALF BATH

Property features AI

Exterior

• Parking: Detached 2-car garage
• Utilities: Public water; Public sewer; Electric service (standard connections implied)
• Home design: Two-story home; Above-grade finished area recorded (1,486)
• Construction: Vinyl siding construction; Shingle roof
• Exterior features: Vinyl siding; Shingle roof; Lot approximately 0.264 acres

Interior

• Bedrooms: Total of 6 rooms (bedrooms included within total room count)
• Bathrooms: Two full bathrooms; One half bathroom; One main-level bathroom
• Heating & cooling: Forced air heating
• Interior features: Full basement

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $120k.

Deal economics

• At list price, monthly cash flow is $217 ($3k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $120k).
• Cap rate 8.5% vs local median 6.8% in Euclid — meaningfully above typical; check what's discounted (condition, days-on-market, listing class) to confirm the premium yield is real.

Location & tenants

• Location reads 77/100 on livability (#204 in OH, #3,149 nationally) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, crime B+; Watch: schools C-, commute F, employment D-.
• Euclid City (suburban): math 14% / reading 28% proficiency, ranked #625 of 656 in OH (top 95%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover; 70% free/reduced lunch — lower-income household profile, screen leases tightly.
• Market conditions: Rents rising fast (+5.3%/yr); 93 active listings in the ZIP; 36 comparable units currently listed for rent nearby; rentals at typical pace (median 22d on market — plan ~3-4 weeks tenant-placement turnaround); 1,441 units permitted in Cuyahoga County in 2024 (700 in 5+ unit buildings).
• This rent runs 31% of the median local income ($56k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $829 of loan paydown is wiped out by about $4k 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.
• At projected returns (-3.0% appreciation + 5.3% rent growth), your $34k cash investment doubles in ~10 years — after that, you're playing with house money.

Negotiation context

• Only 12 days on market — expect competitive offers; lowballing is unlikely to land.
• 3 sale attempts since 20y 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 $74k; list at $120k implies a 63% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: built in 1924 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $119,900

Questions for the listing agent

1. Built in 1924 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
2. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
3. 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.
4. 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.
5. 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: 1.19% ✓
• Cap rate: 8.46%
• Cash-on-cash: 7.74%
• DSCR: 1.34
• GRM: 7.0

CMA / ARV

• ARV (on-the-fly): $173,862
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
21131 Morris Ave	0.25mi	4/1.0 (+1)	1,440 (-3%)	0mo	$134,500	$93	78
304 E 197th St	0.30mi	3/1.5	1,537 (+3%)	3mo	$185,000	$120	76
20700 Crystal Ave	0.10mi	4/1.5 (+1)	1,287 (-13%)	2mo	$109,600	$85	64
311 E 197th St	0.27mi	3/2.0	1,340 (-10%)	4mo	$165,000	$123	64
174 E 200th St	0.37mi	3/1.5	1,679 (+13%)	1mo	$215,000	$128	58
19381 Monterey Ave	0.63mi	3/2.0	1,404 (-6%)	2mo	$145,000	$103	56
19450 Naumann Ave	0.56mi	3/1.0	1,352 (-9%)	4mo	$152,000	$112	55
19251 Abby Ave	0.72mi	3/1.5	1,407 (-5%)	1mo	$160,000	$114	55
19401 Meredith Ave	0.49mi	4/1.5 (+1)	1,344 (-10%)	2mo	$62,500	$47	52
91 E 212th St	0.71mi	3/2.0	1,393 (-6%)	1mo	$205,000	$147	52
174 E 208th St	0.47mi	4/1.5 (+1)	1,707 (+15%)	0mo	$265,000	$155	46
21250 Milan Ave	0.55mi	4/1.0 (+1)	1,285 (-14%)	3mo	$150,000	$117	45

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 · 5.28% rent growth · sell at horizon

5-year hold

• IRR: -1.7%
• Equity multiple: 0.93×
• Total profit: $-2,205
• Equity at exit: $17,877

10-year hold

• IRR: 10.5%
• Equity multiple: 1.91×
• Total profit: $30,570
• Equity at exit: $10,367

Cash invested: $33,572 (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 44123

• Home prices YoY: -25.0%
• Rents YoY: 5.3%
• Active inventory: 93
• Price-to-rent: 7.0×

Monthly cashflow live

• Estimated rent: $1,430 high
• Mortgage (P&I): −$629
• Tax from tax record: −$235 /mo · $2,816/yr
• Insurance: −$50
• HOA: −$0
• Vacancy / Maint / Mgmt: −$300
• Net cashflow: $217

Break-even live

Break-even rent $1,156

Max offer price $119,900

Occupancy floor 80%

Sensitivity live

Price	-10% $284	-5% $251	+0% $217	+5% $183	+10% $149
Rent	-10% $104	-5% $160	+0% $217	+5% $273	+10% $330
Rate	-1.0pp $277	-0.5pp $247	base $217	+0.5pp $186	+1.0pp $154

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: $29,975
• Closing costs: $3,597
• Reserves months: —
• Total cash needed: —

Rent comps 36 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
20500 Priday Ave Euclid, OH	4.0	1.5	1698	$1,750	$1.03	45d	1	0.07mi
21000 Priday Ave Euclid, OH	3.0	1.0	1200	$1,300	$1.08	44d	1	0.12mi
20500 Morris Ave Euclid, OH	3.0	1.0	1104	$1,399	$1.27	44d	1	0.24mi
21251 S Lake Shore Blvd Euclid, OH	3.0	2.0	1246	$1,595	$1.28	44d	1	0.26mi
299 E 197th St Cleveland, OH	4.0	2.0	1328	$1,400	$1.05	17d	1	0.27mi
404 E 200th St Cleveland, OH	2.0	1.0	884	$1,095	$1.24	44d	1	0.32mi
21751 Priday Ave Euclid, OH	3.0	1.0	1174	$1,545	$1.32	22d	1	0.35mi
21271 Nicholas Ave Euclid, OH	3.0	2.0	1300	$1,689	$1.30	44d	1	0.36mi
455 E 200th St Cleveland, OH	2.0	1.0	950	$1,150	$1.21	24d	1	0.37mi
21301 Arbor Ave Euclid, OH	3.0	1.0	1050	$1,450	$1.38	20d	1	0.46mi
540 E 208th St Cleveland, OH	2.0	1.0	1189	$1,025	$0.86	44d	1	0.46mi
488 E 222nd St Unit Up Euclid, OH	2.0	1.0	900	$1,100	$1.22	22d	1	0.50mi
26200 S Lake Shr Euclid, OH	3.0	1.5	1305	$1,225	$0.94	8d	1	0.50mi
21860 Roberts Ave Euclid, OH	3.0	1.0	1253	$1,450	$1.16	8d	1	0.51mi
21980 Ivan Ave Euclid, OH	4.0	2.0	1348	$1,350	$1.00	44d	1	0.57mi
22370 Tracy Ave Euclid, OH	3.0	1.0	1202	$1,575	$1.31	17d	1	0.61mi
21252 Goller Ave Euclid, OH	3.0	1.0	1161	$1,275	$1.10	21d	1	0.62mi
21250 Goller Ave Cleveland, OH	3.0	1.0	1161	$1,275	$1.10	13d	1	0.62mi
19430 Monterey Ave Cleveland, OH	3.0	1.5	898	$1,236	$1.38	22d	1	0.65mi
20664 Miller Ave Unit Down Unit Euclid, OH	3.0	2.0	1100	$1,200	$1.09	44d	1	0.66mi
19330 Monterey Ave Cleveland, OH	4.0	1.5	1578	$1,450	$0.92	2d	1	0.67mi
19330 Monterey Ave Cleveland, OH	4.0	1.5	1200	$1,450	$1.21	3d	1	0.67mi
18800 Pasnow Ave Cleveland, OH	3.0	1.0	1348	$1,350	$1.00	17d	1	0.71mi
22501 Arms Ave Euclid, OH	3.0	1.0	1044	$1,350	$1.29	24d	1	0.73mi
871 E 212th St Cleveland, OH	3.0	1.5	1092	$1,399	$1.28	44d	1	0.82mi
961 E 224th St Euclid, OH	3.0	1.0	1034	$1,300	$1.26	17d	1	0.85mi
824 E 236th St Euclid, OH	3.0	2.0	1100	$1,720	$1.56	2d	1	0.88mi
645 Babbitt Rd Euclid, OH	3.0	1.0	1200	$1,400	$1.17	13d	1	0.91mi
797 Babbitt Rd #22 Euclid, OH	3.0	1.5	1360	$1,600	$1.18	44d	1	1.05mi
374 E 232nd St Euclid, OH	3.0	1.0	1222	$1,995	$1.63	44d	1	1.07mi
23214 Gay St Euclid, OH	3.0	1.0	1634	$1,864	$1.14	24d	1	1.09mi
23901 Puritan Rd Euclid, OH	3.0	1.0	1326	$1,595	$1.20	15d	1	1.13mi
655 E 240th St Euclid, OH	3.0	1.0	1341	$1,550	$1.16	44d	1	1.15mi
23307 Williams Ave Euclid, OH	4.0	1.0	1220	$1,700	$1.39	24d	1	1.15mi
24200 Puritan Rd Euclid, OH	3.0	1.0	1100	$1,199	$1.09	13d	1	1.24mi
884 E 248th St Euclid, OH	3.0	2.0	1440	$1,699	$1.18	2d	1	1.27mi

Listing history 9 events

1. 2026-04-29
   status Pending
2. 2026-04-17
   listed $119,900 Active
3. 2007-04-11
   historical
4. 2006-11-10
   historical
5. 2006-10-11
   listed $99,900
6. 2006-05-10
   listed $104,000
7. 1994-09-22
   soldstatus $73,500
8. 1988-07-18
   soldstatus $49,000
9. 1988-07-18
   soldstatus $49,000

ⓘ 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: $2,816 · $235/mo
• Projected year-2 tax: $2,816 · $235/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 3/10 Moderate 7 d/yr ≥94°F today · 17 d/yr by 30 yrs out
• 💨 Wind 1/10 Low
• 🫁 Air quality 3/10 Moderate 3 unhealthy d/yr today · 4 by 30 yrs out

Taxation est. · year 1

• Rental income: $17,164
• − Mortgage interest: −$6,716
• − Property taxes: −$2,816
• − Insurance: −$600
• − Repairs & maintenance: −$1,373
• − Management: −$1,373
• − Depreciation: −$3,488
• Taxable income: $798
• Est. tax owed @ 24.0%: −$192
• After-tax cash flow: $2,407/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: Euclid City
• NCES district ID: 3904395
• Math proficiency: 14% ▼ -19.00%
• Reading proficiency: 28% ▼ -14.00%
• Median HH income: $36,385
• Composite: 17.39/100
• National rank: #9067
• State rank: #625 of 656 in OH

Livability — Euclid

• Score: 77/100
• State rank: #204
• US rank: #3149

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Euclid, OH
• County: Cuyahoga County · 1,090,369 people
• City population: 41,855
• Metro: Cleveland-Elyria, OH
• Population (ZIP): 18,050
• Household income: $55,676
• Rent vs Own: 54.6% rent · 45.4% own
• Severe rent burden: 1085.0

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: Majority Black (65%)
• Race & ethnicity: Black 65% White 28% Two or more races 6% Hispanic / Latino 1%
• Common ancestry: Romanian 5%
• Foreign-born: 2% · Canada
• Languages at home: 96% English-only · Spanish 2% Chinese 1%

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: ▼ -62.82%
• Current HPI: 188.4932
• Rent YoY: ▲ 5.28%
• 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

+144.7% since first listed

9 events — show timeline

• 2026-04-29 Pending — MLSNOW
• 2026-04-17 Listed $119,900 MLSNOW
• 2007-04-11 Listing Removed — MLSNOW
• 2006-11-10 Listing Removed — MLSNOW
• 2006-10-11 Listed $99,900 MLSNOW
• 2006-05-10 Listed $104,000 MLSNOW
• 1994-09-22 Sold (Public Records) $73,500 Public Records
• 1988-07-18 Sold (Public Records) $49,000 Public Records
• 1988-07-18 Sold (Public Records) $49,000 Public Records

Property tax history

+5.2%/yr

Latest (2025): $2,816 · -3.0% YoY. Source: county tax records.