1730 Baugh St NE · Cleveland, TN 37311

$175,000

3 bd · 1.0 ba · 992 sqft · SingleFamily public records · 36 Days on market

Built 1900 7,840 sqft lot Est $140k · 25% over

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Why this score? — see what drove the D 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 +19.7/30.0
• DSCR +6.2/10.0
• 1% rule +3.9/10.0
• Livability +3.5/5.0
• Rent growth +3.2/5.0
• Condition / age +2.5/5.0
• Schools +2.1/10.0
• ARV discount +0.0/15.0
• Appreciation +0.0/10.0

Listing remarks MLS

* Affordable first home or investment opportunity just minutes from Lee University with potential for a 4th bedroom and plenty of upside in the heart of Cleveland * Welcome to 1730 Baugh St NE, a spacious older home full of character and opportunity just minutes from Lee University, downtown Cleveland, shopping, restaurants, and more. Whether you're looking for an affordable place to call home or a property with investment potential, this one offers a lot of flexibility at an attractive price point. Inside, you'll find a flexible layout with multiple living spaces and the potential for a 4th bedroom, giving buyers extra room for guests, a home office, or added functionality. Some renovations and updates have been completed over the years, including a newer HVAC system, while still leaving room for someone to continue adding value and making it their own. Outside, the large fenced backyard offers plenty of space for pets, entertaining, gardening, or simply enjoying the outdoors. Homes with this much space, this close to Lee University, and priced under $200,000 are becoming harder to find. If you've been looking for a home with character, space, location, and upside potential, this could be the one.

Key facts

• Flexible layout
• Newer hvac system
• 7,840 sq ft lot

Tags

• INVESTMENT OPPORTUNITY
• POTENTIAL FOR A 4TH BEDROOM
• FLEXIBLE LAYOUT
• NEWER HVAC SYSTEM
• LARGE FENCED BACKYARD
• SPACE FOR ENTERTAINING

Property features AI

Exterior

• Parking: Detached parking; Driveway
• Utilities: Public water; Public sewer; Electricity available
• Home design: Single-family residence; Residential property; Three or more levels; Builder-reported living area and building area
• Construction: Vinyl siding; Brick/mortar foundation; Existing (year built listed as existing)
• Exterior features: Chain link fence; Lot dimensions approximately 154 x 51 x 153 x 50; 0.18-acre lot

Interior

• Kitchen: Refrigerator; Electric oven; Dishwasher
• Bedrooms: 3 bedrooms
• Bathrooms: 2 full bathrooms
• Heating & cooling: Central electric cooling
• Interior features: Refrigerator; Electric oven; Dishwasher; Central electric air conditioning

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $175k.

Deal economics

• At list price, monthly cash flow is $204 ($2k/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 $156k (10.9% below list).
• Recommended offer: $156k (10.9% below list) — sets the bar for 1% rule.
• Cap rate 7.7% vs local median 3.5% in Cleveland — top-decile yield for the area; either an underpriced asset or a hidden risk that comps aren't pricing in. Stress-test before assuming the spread holds.

Location & tenants

• Location reads 70/100 on livability (#55 in TN) — a middle-class / working-renter tenant base. Strengths: cost of living A+, health & safety A+, housing A; Watch: employment D, crime F, amenities F.
• Cleveland (urban): math 23% / reading 28% proficiency, ranked #85 of 139 in TN (top 61%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover.
• Zoned schools: Mayfield Elementary (math 17% / reading 22%, grade F, #654 of 952 statewide, top 72%, 412 students, 0% FRL); Cleveland High (math 8% / reading 29%, grade F, #208 of 332 statewide, top 63%, 1,842 students, 0% FRL) — zoned schools average 0% FRL vs 53% district-wide (53 pts lower); this property's tenant base skews higher-income than the district average.
• Market conditions: Rents rising (+3.0%/yr); 196 active listings in the ZIP; 768 units permitted in Bradley County in 2024 (0 in 5+ unit buildings).
• This rent runs 40% of the median local income ($47k/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 $5k of value loss. Plan a longer hold.
• Bradley County population projected at +21% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.

Negotiation context

• It's been on market 36 days — a 3% lower offer ($170k) is reasonable based on typical stale-listing flexibility.
• 2 sale attempts 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 $115k; list at $175k implies a 52% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: built in 1900 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: extreme-heat days projected 7→19/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $155,956 (10.9% below list)

Questions for the listing agent

1. It's been on market 36 days. Have you received any prior offers? Is the seller open to a 11% concession, seller financing, or rate buy-down credit?
2. Built in 1900 — 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 D-rated, which usually means shorter tenancies and higher turnover. Who's the typical renter profile here, and what's been the actual vacancy rate?
5. 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?
6. 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?
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: 0.89% ✗
• Cap rate: 7.69%
• Cash-on-cash: 5.00%
• DSCR: 1.22
• GRM: 9.4

CMA / ARV

• ARV (on-the-fly): $139,872
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
1453 Barnes St NE	0.13mi	3/1.0	1,024 (+3%)	10mo	$199,900	$195	80
1935 Clemmer St NE	0.15mi	3/1.5	958 (-3%)	11mo	$220,000	$230	76
740 Railroad St NE	0.52mi	2/1.0 (-1)	984 (-1%)	1mo	$120,000	$122	69
1030 Hardwick St SE	0.31mi	3/2.0	1,036 (+4%)	9mo	$225,000	$217	66
1785 Greenwood Ave NE	0.24mi	3/2.0	1,064 (+7%)	12mo	$255,000	$240	62
960 Berry St NE	0.45mi	3/2.0	1,014 (+2%)	12mo	$130,000	$128	62
1705 NE Baugh St	0.05mi	3/1.0	1,120 (+13%)	22mo	$155,000	$138	58
980 15th St NE	0.60mi	3/1.0	960 (-3%)	17mo	$135,000	$141	53
561 Short St NE	0.59mi	2/1.0 (-1)	942 (-5%)	16mo	$98,500	$105	46
1083 NE High St NE	0.61mi	3/1.0	1,125 (+13%)	8mo	$40,000	$36	43
983 Gaut St NE	0.39mi	3/1.5	1,140 (+15%)	18mo	$99,000	$87	40
471 20th St NW	0.66mi	2/1.0 (-1)	864 (-13%)	12mo	$273,000	$316	33

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 · 2.95% rent growth · sell at horizon

5-year hold

• IRR: -8.6%
• Equity multiple: 0.68×
• Total profit: $-15,526
• Equity at exit: $26,093

10-year hold

• IRR: 0.7%
• Equity multiple: 1.05×
• Total profit: $2,539
• Equity at exit: $15,131

Cash invested: $49,000 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

• Overall (STATE): 87 Strongly Landlord-Friendly
• State Tennessee: 87 Strongly Landlord-Friendly · R+13
• County: — inherits STATE
• City: — inherits STATE

14-day notice (URLTA); generally landlord-favorable; Nashville court paced moderate.

Methodology + full state rankings →

ZIP-level market 37311

• Home prices YoY: -25.4%
• Rents YoY: 3.0%
• Active inventory: 196
• Price-to-rent: 9.4×

Monthly cashflow live

• Estimated rent: $1,560 medium
• Mortgage (P&I): −$918
• Tax from tax record: −$37 /mo · $448/yr
• Insurance: −$73
• HOA: −$0
• Vacancy / Maint / Mgmt: −$328
• Net cashflow: $204

Break-even live

Break-even rent $1,301

Max offer price $175,000

Occupancy floor 82%

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: $43,750
• Closing costs: $5,250
• Reserves months: —
• Total cash needed: —

Listing history 20 events

1. 2026-06-19
   days on market $175,000 Active 36 DOM
2. 2026-06-18
   days on market $175,000 Active 35 DOM
3. 2026-06-17
   days on market $175,000 Active 34 DOM
4. 2026-06-16
   days on market $175,000 Active 33 DOM
5. 2026-06-15
   days on market $175,000 Active 32 DOM
6. 2026-06-14
   days on market $175,000 Active 30 DOM
7. 2026-06-13
   days on market $175,000 Active 29 DOM
8. 2026-06-10
   days on market $175,000 Active 27 DOM
9. 2026-06-09
   days on market $175,000 Active 26 DOM
10. 2026-06-08
    days on market $175,000 Active 25 DOM
11. 2026-06-07
    days on market $175,000 Active 24 DOM
12. 2026-06-05
    days on market $175,000 Active 21 DOM
13. 2026-06-03
    days on market $175,000 Active 20 DOM
14. 2026-06-02
    days on market $175,000 Active 19 DOM
15. 2026-06-01
    days on market $175,000 Active 18 DOM
16. 2026-05-31
    days on market $175,000 Active 17 DOM
17. 2026-05-30
    days on market $175,000 Active 16 DOM
18. 2026-05-14
    listed $175,000 Active

    Show marketing remark (1221 chars)

    * Affordable first home or investment opportunity just minutes from Lee University with potential for a 4th bedroom and plenty of upside in the heart of Cleveland * Welcome to 1730 Baugh St NE, a spacious older home full of character and opportunity just minutes from Lee University, downtown Cleveland, shopping, restaurants, and more. Whether you're looking for an affordable place to call home or a property with investment potential, this one offers a lot of flexibility at an attractive price point. Inside, you'll find a flexible layout with multiple living spaces and the potential for a 4th bedroom, giving buyers extra room for guests, a home office, or added functionality. Some renovations and updates have been completed over the years, including a newer HVAC system, while still leaving room for someone to continue adding value and making it their own. Outside, the large fenced backyard offers plenty of space for pets, entertaining, gardening, or simply enjoying the outdoors. Homes with this much space, this close to Lee University, and priced under $200,000 are becoming harder to find. If you've been looking for a home with character, space, location, and upside potential, this could be the one.

19. 2026-05-14
    listed $175,000 Active 1221-char remark

    Show marketing remark (1221 chars)

    * Affordable first home or investment opportunity just minutes from Lee University with potential for a 4th bedroom and plenty of upside in the heart of Cleveland * Welcome to 1730 Baugh St NE, a spacious older home full of character and opportunity just minutes from Lee University, downtown Cleveland, shopping, restaurants, and more. Whether you're looking for an affordable place to call home or a property with investment potential, this one offers a lot of flexibility at an attractive price point. Inside, you'll find a flexible layout with multiple living spaces and the potential for a 4th bedroom, giving buyers extra room for guests, a home office, or added functionality. Some renovations and updates have been completed over the years, including a newer HVAC system, while still leaving room for someone to continue adding value and making it their own. Outside, the large fenced backyard offers plenty of space for pets, entertaining, gardening, or simply enjoying the outdoors. Homes with this much space, this close to Lee University, and priced under $200,000 are becoming harder to find. If you've been looking for a home with character, space, location, and upside potential, this could be the one.

20. 2023-06-26
    soldstatus $115,000

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

Tax reassessment forecast TN · Resets to sale price

• Current annual tax: $448 · $37/mo
• Projected year-2 tax: $1,242 · $104/mo
• Expected delta: +$794/yr (+$66/mo · 177.3%)

ⓘ 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 6/10 Major 7 d/yr ≥104°F today · 19 d/yr by 30 yrs out
• 💨 Wind 3/10 Moderate 5% chance of damaging wind over 30 yrs
• 🫁 Air quality 3/10 Moderate 2 unhealthy d/yr today · 3 by 30 yrs out

Taxation est. · year 1

• Rental income: $18,715
• − Mortgage interest: −$9,803
• − Property taxes: −$448
• − Insurance: −$875
• − Repairs & maintenance: −$1,497
• − Management: −$1,497
• − Depreciation: −$5,091
• Taxable loss: −$496
• Est. tax savings @ 24.0%: +$119
• After-tax cash flow: $2,568/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: Cleveland
• NCES district ID: 4700690
• Math proficiency: 23% ▼ -9.00%
• Reading proficiency: 28% ▼ -6.00%
• Median HH income: $37,612
• Composite: 21.28/100
• National rank: #8394
• State rank: #85 of 139 in TN

Livability — Cleveland

• Score: 70/100
• State rank: #55
• US rank: #7689

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Cleveland, TN
• County: Bradley County · 99,337 people
• City population: 99,337
• Metro: Cleveland, TN
• Population (ZIP): 30,720
• Household income: $47,153
• Rent vs Own: 53.4% rent · 46.6% own
• Severe rent burden: 1184.0

Population outlook (Bradley County) Hauer SSP2

• Today (2025): 114,901 people
• By 2030: 120,137 · +4.6%
• By 2040: 130,125 · +13.2%
• By 2050: 139,257 · +21.2%
• By 2075: 161,664 · +40.7%
• By 2100: 179,767 · +56.5%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (74%)
• Race & ethnicity: White 74% Hispanic / Latino 12% Black 9% Two or more races 6%
• Hispanic origin (detail): Mexican 7% Puerto Rican 2%
• Common ancestry: Slovak 3% Serbian 2% Italian 1%
• Foreign-born: 6% · Canada
• Languages at home: 88% English-only · Spanish 9% Russian/Polish/Slavic 1%

Political lean MEDSL · Bradley

• 2024 margin: Solid R (+58.9) · D 20.0% · R 78.9% · Other 1.1%
• 2008→2024 swing: -9.2pp toward R · 2008: -49.7pp · 2024: -58.9pp
• All cycles: 2024: R+58.9 2020: R+55.3 2016: R+59.1 2012: R+53.9 2008: R+49.7

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -97.10%
• Current HPI: 285.0723
• Rent YoY: ▲ 2.95%
• Metro: Cleveland, TN
• State GDP YoY: ▲ 2.78%
• F500 in state: 22

Industry mix (Fortune 500 HQ in TN)

Industry	F500 HQs	Revenue
▸Healthcare	3	$91B
▸Retail	3	$72B
▸Transportation / Logistics	1	$88B
▸Paper / Packaging	1	$19B
▸Insurance	1	$13B
▸Energy	1	$12B

Price history

+52.2% since first listed

3 events — show timeline

• 2026-05-14 Listed $175,000 REALTRACS as Distributed by MLS Grid
• 2026-05-14 Listed $175,000 GCAR
• 2023-06-26 Sold (Public Records) $115,000 Public Records

Property tax history

+4.3%/yr

Latest (2025): $448 · +26.9% YoY. Source: county tax records.