145 E 190th St · Euclid, OH 44119

$145,000

3 bd · 1.5 ba · 1,345 sqft · SingleFamily public records · 4 Days on market

Built 1952 4,399 sqft lot $108/sqft · 14% below area Est $169k · 14% 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 +14.9/30.0
• ARV discount +14.0/15.0
• Rent growth +5.0/5.0
• 1% rule +4.7/10.0
• DSCR +4.6/10.0
• Livability +3.9/5.0
• Condition / age +2.5/5.0
• Schools +1.7/10.0
• Appreciation +0.0/10.0

Listing remarks

Discover the perfect blend of comfort and convenience in this well-loved bungalow, cherished by the same family for many years. Ideally situated just north of Lakeshore, this home places you moments away from Lake Erie's beauty, local parks, and essential amenities and conveniences. Enjoy a cozy living room that flows into a bright kitchen and a rear addition—perfect for a large dining area or an expanded eat-in kitchen. It features two comfortable bedrooms and a full bath on the main floor. The second level serves as a spacious, private retreat with ample closet and storage space. The basement offers a partially finished space ideal for a rec room or hobbies, plus a dedicated laundry

Key facts

• Vinyl sided home
• Rear addition
• Spacious bedroom

Tags

• VINYL SIDED HOME
• OVERSIZED 2CAR GARAGE
• QUIET DEAD END STREET
• REAR ADDITION
• LARGE DINING AREA
• SPACIOUS BEDROOM

Property features AI

Exterior

• Parking: Detached garage; Driveway; 2-car garage
• Utilities: Public water; Public sewer
• Home design: Vinyl-sided property; Asphalt/fiberglass roof; Block foundation
• Construction: Vinyl siding construction; Asphalt/fiberglass roof; Block foundation; Year built per public records
• Exterior features: Lot recorded at approximately 0.101 acres

Interior

• Kitchen: Range; Refrigerator
• Bedrooms: Two main-level bedrooms; Additional bedrooms on first and second levels
• Bathrooms: One full bathroom; One half bathroom; One main-level bathroom
• Heating & cooling: Forced air heating; Central air conditioning
• Interior features: Full, partially finished basement
• Laundry & utility: Washer; Dryer; Laundry located in basement

What this means for you Summary

Snapshot

• This is a 3-bed/1.5-bath single-family listed at $145k.

Deal economics

• At list price, monthly cash flow is $43 ($519/yr) — positive.
• The deal already cash-flows at list — no discount required.
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $141k (3.0% below list).
• Recommended offer: $141k (3.0% below list) — sets the bar for 1% rule.

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 (+15.3%/yr); 27 active listings in the ZIP; 27 comparable units currently listed for rent nearby; rentals at typical pace (median 23d on market — plan ~3-4 weeks tenant-placement turnaround); lower-income renter base — watch delinquency; 1,441 units permitted in Cuyahoga County in 2024 (700 in 5+ unit buildings).
• This rent runs 38% of the median local income ($44k/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 $1k 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.

Negotiation context

• Only 4 days on market — expect competitive offers; lowballing is unlikely to land.

Risks & watch-outs

• Watch-outs: built in 1952 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $140,611 (3.0% below list)

Questions for the listing agent

1. Built in 1952 — 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: 0.97% ✗
• Cap rate: 6.65%
• Cash-on-cash: 1.28%
• DSCR: 1.06
• GRM: 8.6

CMA / ARV

• ARV (median comp): $169,299
• List price: $145,000
• Delta: -14.35%
• Verdict: UNDERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
19401 Meredith Ave	0.33mi	4/1.5 (+1)	1,344 (-0%)	2mo	$62,500	$47	78
18870 Monterey Ave	0.52mi	3/1.5	1,321 (-2%)	0mo	$99,000	$75	72
19381 Monterey Ave	0.53mi	3/2.0	1,404 (+4%)	2mo	$145,000	$103	64
19251 Abby Ave	0.59mi	3/1.5	1,407 (+5%)	1mo	$160,000	$114	64
19330 Naumann Ave	0.46mi	3/1.5	1,234 (-8%)	2mo	$127,500	$103	63
20700 Crystal Ave	0.60mi	4/1.5 (+1)	1,287 (-4%)	2mo	$109,600	$85	58
20801 Morris Ave	0.68mi	3/2.0	1,244 (-8%)	2mo	$174,500	$140	52
19071 Naumann Ave	0.41mi	4/1.5 (+1)	1,163 (-14%)	3mo	$147,900	$127	51
19771 Monterey Ave	0.58mi	3/2.0	1,200 (-11%)	3mo	$105,000	$88	51
20330 S Lake Shore Blvd	0.49mi	4/1.0 (+1)	1,184 (-12%)	0mo	$164,000	$139	50
20931 Priday	0.69mi	3/1.0	1,200 (-11%)	2mo	$109,600	$91	47
273 E 208th St	0.71mi	3/1.0	1,174 (-13%)	1mo	$150,000	$128	43

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 · 8.0% rent growth · sell at horizon

5-year hold

• IRR: -8.4%
• Equity multiple: 0.67×
• Total profit: $-13,251
• Equity at exit: $21,620

10-year hold

• IRR: 6.9%
• Equity multiple: 1.64×
• Total profit: $26,076
• Equity at exit: $12,537

Cash invested: $40,600 (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 44119

• Home prices YoY: -33.4%
• Rents YoY: 15.3%
• Active inventory: 27
• Price-to-rent: 8.6×

Monthly cashflow live

• Estimated rent: $1,406 high
• Mortgage (P&I): −$760
• Tax from tax record: −$247 /mo · $2,962/yr
• Insurance: −$60
• HOA: −$0
• Vacancy / Maint / Mgmt: −$295
• Net cashflow: $43

Break-even live

Break-even rent $1,351

Max offer price $145,000

Occupancy floor 92%

Sensitivity live

Price	-10% $125	-5% $84	+0% $43	+5% $2	+10% $-39
Rent	-10% $-68	-5% $-12	+0% $43	+5% $99	+10% $154
Rate	-1.0pp $116	-0.5pp $80	base $43	+0.5pp $6	+1.0pp $-33

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: $36,250
• Closing costs: $4,350
• Reserves months: —
• Total cash needed: —

Rent comps 27 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
18800 Pasnow Ave Cleveland, OH	3.0	1.0	1348	$1,350	$1.00	17d	1	0.34mi
299 E 197th St Cleveland, OH	4.0	2.0	1328	$1,400	$1.05	17d	1	0.36mi
404 E 200th St Cleveland, OH	2.0	1.0	884	$1,095	$1.24	45d	1	0.44mi
455 E 200th St Cleveland, OH	2.0	1.0	950	$1,150	$1.21	25d	1	0.52mi
19330 Monterey Ave Cleveland, OH	4.0	1.5	1578	$1,450	$0.92	3d	1	0.53mi
19330 Monterey Ave Cleveland, OH	4.0	1.5	1200	$1,450	$1.21	4d	1	0.53mi
19430 Monterey Ave Cleveland, OH	3.0	1.5	898	$1,236	$1.38	22d	1	0.54mi
20500 Priday Ave Euclid, OH	4.0	1.5	1698	$1,750	$1.03	45d	1	0.56mi
20500 Morris Ave Euclid, OH	3.0	1.0	1104	$1,399	$1.27	45d	1	0.60mi
21000 Priday Ave Euclid, OH	3.0	1.0	1200	$1,300	$1.08	45d	1	0.74mi
540 E 208th St Cleveland, OH	2.0	1.0	1189	$1,025	$0.86	45d	1	0.75mi
21251 S Lake Shore Blvd Euclid, OH	3.0	2.0	1246	$1,595	$1.28	45d	1	0.84mi
21271 Nicholas Ave Euclid, OH	3.0	2.0	1300	$1,689	$1.30	45d	1	0.88mi
20664 Miller Ave Unit Down Unit Euclid, OH	3.0	2.0	1100	$1,200	$1.09	45d	1	0.90mi
21301 Arbor Ave Euclid, OH	3.0	1.0	1050	$1,450	$1.38	21d	1	0.92mi
21751 Priday Ave Euclid, OH	3.0	1.0	1174	$1,545	$1.32	22d	1	0.97mi
21250 Goller Ave Cleveland, OH	3.0	1.0	1161	$1,275	$1.10	13d	1	1.00mi
21252 Goller Ave Euclid, OH	3.0	1.0	1161	$1,275	$1.10	21d	1	1.02mi
21860 Roberts Ave Euclid, OH	3.0	1.0	1253	$1,450	$1.16	9d	1	1.06mi
488 E 222nd St Unit Up Euclid, OH	2.0	1.0	900	$1,100	$1.22	22d	1	1.10mi
21980 Ivan Ave Euclid, OH	4.0	2.0	1348	$1,350	$1.00	45d	1	1.10mi
26200 S Lake Shr Euclid, OH	3.0	1.5	1305	$1,225	$0.94	9d	1	1.11mi
871 E 212th St Cleveland, OH	3.0	1.5	1092	$1,399	$1.28	45d	1	1.14mi
22370 Tracy Ave Euclid, OH	3.0	1.0	1202	$1,575	$1.31	17d	1	1.20mi
22501 Arms Ave Euclid, OH	3.0	1.0	1044	$1,350	$1.29	25d	1	1.29mi
961 E 224th St Euclid, OH	3.0	1.0	1034	$1,300	$1.26	17d	1	1.36mi
824 E 236th St Euclid, OH	3.0	2.0	1100	$1,720	$1.56	3d	1	1.50mi

Listing history 3 events

1. 2026-05-06
   status Pending 1014-char remark
2. 2026-05-01
   listed $145,000 Active 1014-char remark
3. 1970-06-01
   soldstatus $26,600

ⓘ 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: $2,962 · $247/mo
• Projected year-2 tax: $2,962 · $247/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: $16,873
• − Mortgage interest: −$8,122
• − Property taxes: −$2,962
• − Insurance: −$725
• − Repairs & maintenance: −$1,350
• − Management: −$1,350
• − Depreciation: −$4,218
• Taxable loss: −$1,853
• Est. tax savings @ 24.0%: +$445
• After-tax cash flow: $963/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): 13,243
• Household income: $44,077
• Rent vs Own: 46.7% rent · 53.3% own
• Severe rent burden: 657.0

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 (58%)
• Race & ethnicity: Black 58% White 38% Hispanic / Latino 2% Two or more races 2%
• Common ancestry: Romanian 4% Italian 1% Slovak 1%
• Foreign-born: 2%
• Languages at home: 96% English-only · Other Indo-European 1% Russian/Polish/Slavic 1% French/Haitian/Cajun 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: ▼ -81.78%
• Current HPI: 163.1502
• Rent YoY: ▲ 15.32%
• 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

+463.9% since first listed

4 events — show timeline

• 2026-05-28 Sold (Public Records) $150,000 Public Records
• 2026-05-06 Pending — MLSNOW
• 2026-05-01 Listed $145,000 MLSNOW
• 1970-06-01 Sold (Public Records) $26,600 Public Records

Property tax history

+2.8%/yr

Latest (2025): $2,962 · -3.7% YoY. Source: county tax records.