14407 Northfield Ave · East Cleveland, OH 44112

$69,000

3 bd · 1.0 ba · 1,188 sqft · SingleFamily public records · 167 Days on market

Built 1911 3,114 sqft lot

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Why this score? — see what drove the B- 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 +30.0/30.0
• 1% rule +10.0/10.0
• DSCR +10.0/10.0
• ARV discount +7.5/15.0
• Rent growth +3.8/5.0
• Livability +3.3/5.0
• Condition / age +2.5/5.0
• Schools +0.7/10.0
• Appreciation +0.0/10.0

Listing remarks

Fantastic home or investment property! Look at this 4 bedroom Colonial! Fully Renovated! This spacious home offers so much! Main level has welcoming front entrance, large living room, charming dining room, Full kitchen and plenty of closet space! The second level offers 3 nice sized bedrooms and a full bathroom plus closet space! Bonus: Third level offers a large 4th bedroom area, just needs your choice of carpet! Tenant occupied at $1150/month plus gas/electric. Basement is large with plenty of storage space! Fenced in backyard, asphalt driveway, cozy front porch, vinyl siding! Fully renovated home, updates include: vinyl siding, interior paint, concrete front steps, light fixtures, interi

Key facts

• Asphalt driveway
• Full kitchen
• Fenced in backyard

Tags

• FENCED IN BACKYARD
• ASPHALT DRIVEWAY
• VINYL SIDING
• LARGE LIVING ROOM
• CHARMING DINING ROOM
• FULL KITCHEN

Property features AI

Exterior

• Parking: Driveway; On-street parking
• Utilities: Public water; Public sewer
• Home design: 3-story property; Attached property; Above-grade finished area approximately 1,188 (source: Realist)
• Construction: Asphalt and fiberglass roof; Block foundation; Construction details: see remarks; Year built from public records
• Exterior features: Front porch; Partial wood fencing; Lot dimensions approximately 35 x 89

Interior

• Kitchen: Range; Refrigerator
• Bedrooms: Total of 8 rooms (bedroom count not specified)
• Bathrooms: 1 full bathroom
• Heating & cooling: Forced air heating; Ceiling fans
• Interior features: Full unfinished basement; 3 fireplaces
• Laundry & utility: Washer hookup; Electric dryer hookup

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $69k.

Deal economics

• At list price, monthly cash flow is $542 ($6k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $69k).
• Recommended offer: $61k (12.0% below list) — sets the bar for market timing.

Location & tenants

• Location reads 66/100 on livability (#650 in OH) — a middle-class / working-renter tenant base. Strengths: commute A+, cost of living A+, health & safety A+; Watch: schools F, crime F, employment F.
• East Cleveland City School District (suburban): math 4% / reading 17% proficiency, ranked #652 of 656 in OH (top 99%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover; 92% free/reduced lunch — lower-income household profile, screen leases tightly.
• Market conditions: Rents rising fast (+5.2%/yr); 99 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals at typical pace (median 24d 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).
• At $1,283/mo this rent would consume 53% of the median local household income ($29k/yr) (locally 1702% of renters already pay >50% of income on rent) — very limited rent-growth headroom before tenants either downsize or default.

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $477 of loan paydown is wiped out by about $2k 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 + 5.2% rent growth), your $19k cash investment doubles in ~4 years — after that, you're playing with house money.

Negotiation context

• It's been on market 167 days — a 12% lower offer ($61k) is reasonable based on typical stale-listing flexibility.
• 3 sale attempts; this cycle's ask has dropped $41k (37%) from the opening price — seller is motivated, your offer sets the floor, not the list.
• Current owner paid $14k; list at $69k implies a 393% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: built in 1911 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: moderate flood risk — expect insurance premiums to compound above CPI over the hold.

Recommended offer $60,720 (12.0% below list)

Questions for the listing agent

1. It's been on market 167 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
2. Built in 1911 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
4. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
5. Schools are F-rated, which usually means shorter tenancies and higher turnover. Who's the typical renter profile here, and what's been the actual vacancy rate?
6. Crime grade is F in this area — have there been break-ins, vandalism, or insurance claims at this property in the last 3 years? What carrier currently insures it and at what premium?
7. 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.
8. 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.
9. 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: 1.86% ✓
• Cap rate: 15.71%
• Cash-on-cash: 33.64%
• DSCR: 2.50
• GRM: 4.5

CMA / ARV

• ARV (on-the-fly): $40,392
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
14312 Scioto Ave	0.07mi	3/1.0	1,090 (-8%)	2mo	$23,500	$22	81
14205 Savannah Ave	0.13mi	3/1.5	1,160 (-2%)	17mo	$40,000	$34	74
14200 Scioto Ave	0.12mi	3/1.0	1,256 (+6%)	17mo	$48,500	$39	71
1524 E 133rd St	0.45mi	3/1.0	1,232 (+4%)	6mo	$30,000	$24	68
1367 Shawview Ave	0.32mi	3/1.0	1,273 (+7%)	8mo	$22,000	$17	66
13500 Claiborne Rd	0.36mi	3/1.0	1,297 (+9%)	5mo	$44,500	$34	64
15801 Hazel Rd	0.70mi	3/1.0	1,246 (+5%)	4mo	$35,000	$28	56
1273 E 135th St	0.63mi	4/1.0 (+1)	1,256 (+6%)	3mo	$65,000	$52	53
1278 E 152nd St	0.67mi	3/2.0	1,128 (-5%)	14mo	$31,000	$27	45
1921 Taylor Rd	0.65mi	4/1.0 (+1)	1,258 (+6%)	16mo	$5,650	$4	41
1227 E 135th St	0.71mi	3/1.0	1,312 (+10%)	15mo	$65,000	$50	37
1929 Taylor Rd	0.66mi	4/2.0 (+1)	1,344 (+13%)	15mo	$128,000	$95	26

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 · 5.16% rent growth · sell at horizon

5-year hold

• IRR: 31.4%
• Equity multiple: 2.36×
• Total profit: $26,181
• Equity at exit: $10,288

10-year hold

• IRR: 39.7%
• Equity multiple: 5.11×
• Total profit: $79,501
• Equity at exit: $5,966

Cash invested: $19,320 (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 44112

• Rents YoY: 5.2%
• Active inventory: 99
• Price-to-rent: 4.5×

Monthly cashflow live

• Estimated rent: $1,283 high
• Mortgage (P&I): −$362
• Tax from tax record: −$81 /mo · $975/yr
• Insurance: −$29
• HOA: −$0
• Vacancy / Maint / Mgmt: −$269
• Net cashflow: $542

Break-even live

Break-even rent $597

Max offer price $69,000

Occupancy floor 53%

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: $17,250
• Closing costs: $2,070
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
14312 Scioto Ave Cleveland, OH	3.0	1.0	1090	$1,300	$1.19	4d	1	0.07mi
14200 Scioto Ave Cleveland, OH	3.0	1.0	1256	$1,350	$1.07	16d	1	0.11mi
14205 Savannah Ave Cleveland, OH	3.0	1.0	1160	$1,350	$1.16	16d	1	0.12mi
14005 Scioto Ave Cleveland, OH	3.0	1.0	1056	$1,570	$1.49	16d	1	0.15mi
14009 Mayfair Ave Unit 2 East Cleveland, OH	4.0	2.0	1144	$1,390	$1.22	44d	1	0.16mi
14009 Mayfair Ave Unit 1 East Cleveland, OH	2.0	1.0	764	$1,200	$1.57	44d	1	0.16mi
13900 Potomac Ave Cleveland, OH	3.0	1.0	1172	$1,355	$1.16	24d	1	0.21mi
14835 Euclid Ave Cleveland, OH	1.0–2.0	1.0	712	$850	$1.19	44d	12	0.22mi
1801 Stanwood Rd Unit 13 East Cleveland, OH	2.0	1.0	800	$900	$1.12	44d	1	0.33mi
1459 E 134th St Unit up East Cleveland, OH	2.0	1.0	1150	$850	$0.74	11d	1	0.39mi
15421 Plymouth Pl East Cleveland, OH	2.0	1.0	950	$972	$1.02	44d	1	0.44mi
1726 Taylor Rd East Cleveland, OH	2.0	1.0	900	$972	$1.08	44d	1	0.47mi
14813 Alder Ave Cleveland, OH	3.0	1.0	1188	$1,150	$0.97	24d	1	0.54mi
12819 Edmonton Ave Cleveland, OH	4.0	1.0	1423	$1,795	$1.26	16d	1	0.60mi
1867 N Taylor Rd Apt 309 Cleveland, OH	2.0	1.0	850	$700	$0.82	44d	1	0.62mi
16000 Terrace Rd Cleveland, OH	1.0–3.0	1.0–2.0	1000	$1,210	$1.21	2d	39	0.89mi
13605 Terrace Rd Unit RD-5 East Cleveland, OH	2.0	1.0	700	$850	$1.21	44d	1	0.92mi
14120 Superior Ave Unit 4 East Cleveland, OH	3.0	1.0	1408	$1,350	$0.96	44d	1	0.97mi
14120 Superior Ave Unit 1 East Cleveland, OH	3.0	1.0	1400	$1,350	$0.96	11d	1	0.97mi
13540 Superior Rd Cleveland, OH	1.0–2.0	1.0	655	$850	$1.30	16d	2	0.99mi
13420 Euclid Ave Unit 1817-307 East Cleveland, OH	2.0	1.0	800	$850	$1.06	24d	1	1.03mi
13420 Euclid Ave Unit 13444-214 East Cleveland, OH	2.0	1.0	800	$850	$1.06	44d	1	1.03mi
876 Eloise Dr Unit Upper Cleveland Heights, OH	2.0	1.0	1233	$1,200	$0.97	16d	1	1.05mi
886 Helmsdale Rd Cleveland Heights, OH	2.0	1.0	1037	$995	$0.96	16d	1	1.13mi
915 Nela View Rd Cleveland, OH	4.0	1.0	1300	$2,600	$2.00	16d	1	1.20mi
3337 Sylvanhurst Rd Cleveland, OH	3.0	1.0	1334	$1,800	$1.35	8d	1	1.22mi
983 Greyton Rd Cleveland, OH	3.0	2.0	1457	$1,495	$1.03	16d	1	1.23mi
953 Whitby Rd Cleveland, OH	3.0	2.0	1188	$1,575	$1.33	24d	1	1.30mi
1545 Glenmont Rd Unit 1 East Cleveland, OH	2.0	1.0	1428	$800	$0.56	24d	1	1.32mi
14120 Superior Rd Cleveland, OH	3.0	1.0	1390	$1,400	$1.01	44d	1	1.33mi
963 Selwyn Rd Cleveland, OH	4.0	1.0	1300	$2,650	$2.04	2d	1	1.35mi
967 Selwyn Rd Cleveland, OH	3.0	1.5	1214	$1,595	$1.31	16d	1	1.35mi
3406 Henderson Rd Cleveland, OH	4.0	1.5	1343	$2,250	$1.68	16d	1	1.36mi
1338 Lakeview Rd Unit Down Cleveland, OH	3.0	1.0	1000	$1,900	$1.90	24d	1	1.37mi
14172 Superior Rd Unit 2 Cleveland Heights, OH	2.0	1.0	1446	$1,195	$0.83	24d	1	1.44mi
14172 Superior Rd Unit 1 Cleveland Heights, OH	3.0	1.0	1446	$1,295	$0.90	24d	1	1.44mi
1605 Hillcrest Rd Cleveland, OH	2.0	1.0	1180	$1,245	$1.06	16d	1	1.45mi
2401 N Taylor Rd Cleveland, OH	3.0	1.0	1347	$1,325	$0.98	8d	1	1.47mi
1635 Belmar Rd Unit 1 Cleveland Heights, OH	2.0	1.0	900	$1,200	$1.33	24d	1	1.48mi
1099 Woodview Rd Cleveland, OH	4.0	1.0	1500	$2,500	$1.67	2d	1	1.48mi

Listing history 14 events

1. 2026-06-07
   days on market $69,000 Active 167 DOM
2. 2026-06-05
   pricestatusdays on market $69,000 Active 164 DOM
3. 2026-05-04
   status Pending
4. 2026-04-23
   historical Contingent
5. 2026-03-19
   price $73,000
6. 2026-03-19
   status Active
7. 2026-03-19
   price $79,000
8. 2026-03-10
   historical Contingent
9. 2026-02-03
   price $85,000
10. 2026-01-03
    status Active
11. 2026-01-03
    price $89,000
12. 2025-12-13
    historical Contingent
13. 2025-11-22
    listed $110,000 Active
14. 1976-10-01
    soldstatus $14,000

ⓘ 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: $975 · $81/mo
• Projected year-2 tax: $1,026 · $85/mo
• Expected delta: +$51/yr (+$4/mo · 5.2%)

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

Climate risk First Street

• 🌊 Flood 5/10 Major FEMA zone X (unshaded) · 52% chance over 30 yrs
• 🔥 Wildfire 1/10 Low
• 🌡 Heat 3/10 Moderate 7 d/yr ≥95°F today · 17 d/yr by 30 yrs out
• 💨 Wind 1/10 Low
• 🫁 Air quality 3/10 Moderate 3 unhealthy d/yr today · 5 by 30 yrs out

Taxation est. · year 1

• Rental income: $15,395
• − Mortgage interest: −$3,865
• − Property taxes: −$975
• − Insurance: −$345
• − Repairs & maintenance: −$1,232
• − Management: −$1,232
• − Depreciation: −$2,007
• Taxable income: $5,739
• Est. tax owed @ 24.0%: −$1,377
• After-tax cash flow: $5,122/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: East Cleveland City School District
• NCES district ID: 3904390
• Math proficiency: 4% ▼ -16.00%
• Reading proficiency: 17% ▼ -13.00%
• Median HH income: $22,726
• Composite: 7.38/100
• National rank: #9954
• State rank: #652 of 656 in OH

Livability — East Cleveland

• Score: 66/100
• State rank: #650
• US rank: #11510

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: East Cleveland, OH
• County: Cuyahoga County · 1,090,369 people
• City population: 17,848
• Metro: Cleveland-Elyria, OH
• Population (ZIP): 17,848
• Household income: $28,799
• Rent vs Own: 54.9% rent · 45.1% own
• Severe rent burden: 1702.0

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 Black (89%)
• Race & ethnicity: Black 89% White 7% Two or more races 2% Hispanic / Latino 1%
• Common ancestry: Lithuanian 1%
• Foreign-born: 4% · Canada
• Languages at home: 93% English-only · French/Haitian/Cajun 3% Spanish 2% Russian/Polish/Slavic 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: ▼ -115.61%
• Current HPI: 67.2162
• Rent YoY: ▲ 5.16%
• 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

+421.4% since first listed

12 events — show timeline

• 2026-05-04 Pending — MLSNOW
• 2026-04-23 Contingent — MLSNOW
• 2026-03-19 Price Changed $73,000 MLSNOW
• 2026-03-19 Relisted — MLSNOW
• 2026-03-19 Price Changed $79,000 MLSNOW
• 2026-03-10 Contingent — MLSNOW
• 2026-02-03 Price Changed $85,000 MLSNOW
• 2026-01-03 Relisted — MLSNOW
• 2026-01-03 Price Changed $89,000 MLSNOW
• 2025-12-13 Contingent — MLSNOW
• 2025-11-22 Listed $110,000 MLSNOW
• 1976-10-01 Sold (Public Records) $14,000 Public Records

Property tax history

-2.1%/yr

Latest (2025): $975 · +0.0% YoY. Source: county tax records.