14784 Stone Creek Oval · Strongsville, OH 44149

$307,900

3 bd · 2.0 ba · 1,830 sqft · SingleFamily public records · 7 Days on market

Built 1982 0.30 ac lot $168/sqft · at area comps Est $318k · at est.

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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 +11.7/30.0
• ARV discount +9.0/15.0
• Schools +6.7/10.0
• Livability +4.4/5.0
• DSCR +3.4/10.0
• 1% rule +3.3/10.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

First floor living at its best! Move right in this light and bright immaculate ranch. Eat-in kitchen with gorgeous large window that overlooks the wooded yard w/ huge 36x33+ deck - great for entertaining family and friends. Family room with wood burning fireplace is open to kitchen and has French doors that also lead to deck. Formal living room and dining room, master bedroom with master bath and first floor laundry room complete this amazing home. 2 car attached garage, newer drive and walkway 2009, newer windows, H2O, roof, all appliances will stay. .. move in today!

Key facts

• Well-manicured yard
• Firepit
• Brick fireplace

Tags

• GOURMET KITCHEN
• BRICK FIREPLACE
• MULTI-LEVEL DECK
• WELL-MANICURED YARD
• FIREPIT
• ATTACHED GARAGE

Property features AI

Exterior

• Parking: Attached garage; Two garage spaces; Driveway parking
• Utilities: Public water; Public sewer
• Home design: Single-story home; Entry level: main level living; Aluminum siding exterior
• Construction: Built (year per public records); Asphalt/fiberglass roof; Slab foundation
• Exterior features: Lot approximately 0.30 acres; Public sewer; Public water

Interior

• Kitchen: Dishwasher; Microwave; Range; Refrigerator
• Bedrooms: Three main-level bedrooms
• Bathrooms: Two full bathrooms on the main level
• Heating & cooling: Forced air heating; Gas heating; Heat pump; Ceiling fan(s) for cooling
• Interior features: Seven total rooms; Ceiling fans
• Laundry & utility: Washer; Dryer

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $308k.

Deal economics

• At list price, monthly cash flow is $-90 ($-1k/yr) — negative.
• To cash-flow at today's rent, offer at most $292k (5.2% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $254k (17.5% below list).
• Recommended offer: $254k (17.5% below list) — sets the bar for 1% rule.
• Cap rate 5.9% vs local median 3.2% in Strongsville — 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 88/100 on livability (#27 in OH, #243 nationally) — a professional / high-income tenant draw. Strengths: crime A+, amenities A+, employment A+; Watch: commute F.
• Strongsville City (suburban): math 73% / reading 79% proficiency, ranked #62 of 656 in OH (top 10%) — strong family-tenant draw, lease renewals of 3-5y typical; only 15% free/reduced lunch — higher-income household profile.
• Zoned schools: Muraski Elementary School (math 78% / reading 82%, grade A+, #167 of 1,584 statewide, top 11%, 511 students, 19% FRL); Strongsville Middle School (math 70% / reading 76%, grade A, #105 of 654 statewide, top 17%, 1,270 students, 20% FRL); Strongsville High School (math 63% / reading 82%, grade B+, #87 of 781 statewide, top 11%, 1,844 students, 17% FRL) — zoned schools at 18% FRL track the district average.
• Market conditions: 121 active listings in the ZIP; 4 comparable units currently listed for rent nearby; rentals leasing fast (median 5d on market — plan ~1-2 weeks tenant-placement turnaround); high-income renter base; 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 $2k of loan paydown is wiped out by about $9k 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 7 days on market — expect competitive offers; lowballing is unlikely to land.
• 4 sale attempts since 32y 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.

Recommended offer $254,094 (17.5% 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. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
3. 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?
4. 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?
5. 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.
6. 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.
7. 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: 0.83% ✗
• Cap rate: 5.94%
• Cash-on-cash: -1.25%
• DSCR: 0.94
• GRM: 10.1

CMA / ARV

• ARV (median comp): $318,488
• List price: $307,900
• Delta: -3.32%
• Verdict: FAIR
• Comps: 20 within 1.0 mi

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
14784 Stone Creek Oval	0.00mi	3/2.0	1,830 (0%)	0mo	$335,000	$183	100
19254 Temple Dr	0.11mi	3/2.0	1,752 (-4%)	16mo	$345,000	$197	74
15033 Wilmington Dr	0.37mi	3/2.5	1,836 (+0%)	9mo	$335,000	$182	73
19445 Lunn Rd	0.19mi	3/2.0	1,676 (-8%)	8mo	$310,000	$185	70
18457 Potomac Dr	0.43mi	3/2.0	1,854 (+1%)	15mo	$346,000	$187	65
15279 Walnut Creek Dr	0.68mi	3/1.5	1,960 (+7%)	3mo	$344,000	$176	52
18313 Potomac Dr	0.47mi	3/2.5	2,100 (+15%)	3mo	$402,500	$192	49
19267 Bradford Ct	0.72mi	3/2.5	1,742 (-5%)	10mo	$270,000	$155	48
13755 Brigadoon Way	0.60mi	3/2.0	1,692 (-8%)	15mo	$295,000	$174	47
20343 Lunn Rd	0.67mi	3/1.5	1,960 (+7%)	12mo	$352,000	$180	45
18312 Potomac Dr	0.47mi	3/2.0	1,620 (-12%)	17mo	$315,000	$194	45
15609 Walnut Creek Dr	0.74mi	4/2.0 (+1)	2,068 (+13%)	16mo	$364,000	$176	25

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 · 3.0% rent growth · sell at horizon

5-year hold

• IRR: -18.4%
• Equity multiple: 0.36×
• Total profit: $-55,606
• Equity at exit: $45,909

10-year hold

• IRR: -10.7%
• Equity multiple: 0.35×
• Total profit: $-55,723
• Equity at exit: $26,622

Cash invested: $86,212 (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 44149

• Active inventory: 121
• Price-to-rent: 10.1×

Monthly cashflow live

• Estimated rent: $2,541 medium
• Mortgage (P&I): −$1,615
• Tax from tax record: −$354 /mo · $4,253/yr
• Insurance: −$128
• HOA: −$0
• Vacancy / Maint / Mgmt: −$534
• Net cashflow: $-90

Break-even live

Break-even rent $2,655

Max offer price $292,000

Occupancy floor 99%

Sensitivity live

Price	-10% $84	-5% $-3	+0% $-90	+5% $-177	+10% $-264
Rent	-10% $-291	-5% $-190	+0% $-90	+5% $10	+10% $111
Rate	-1.0pp $65	-0.5pp $-12	base $-90	+0.5pp $-170	+1.0pp $-251

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: $76,975
• Closing costs: $9,237
• Reserves months: —
• Total cash needed: —

Rent comps 4 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
14448 Settlers Way Strongsville, OH	2.0	2.0	1546	$2,425	$1.57	21d	1	0.25mi
13187 Yager Dr Strongsville, OH	4.0	1.5	1850	$2,700	$1.46	5d	1	0.97mi
20368 Westwood Dr Strongsville, OH	4.0	2.0	1864	$2,400	$1.29	5d	1	1.10mi
21600 Royalton Rd Strongsville, OH	2.0–3.0	2.0	1287	$3,225	$2.51	3d	1	1.37mi

Listing history 14 events

1. 2026-05-05
   status Pending 1523-char remark
2. 2026-04-23
   listed $307,900 Active 1523-char remark
3. 2010-07-27
   soldstatus $157,500 575-char remark

   Show marketing remark (575 chars)

   First floor living at its best! Move right in this light and bright immaculate ranch. Eat-in kitchen with gorgeous large window that overlooks the wooded yard w/ huge 36x33+ deck - great for entertaining family and friends. Family room with wood burning fireplace is open to kitchen and has French doors that also lead to deck. Formal living room and dining room, master bedroom with master bath and first floor laundry room complete this amazing home. 2 car attached garage, newer drive and walkway 2009, newer windows, H2O, roof, all appliances will stay. .. move in today!

4. 2010-05-25
   listed $164,900 575-char remark

   Show marketing remark (575 chars)

   First floor living at its best! Move right in this light and bright immaculate ranch. Eat-in kitchen with gorgeous large window that overlooks the wooded yard w/ huge 36x33+ deck - great for entertaining family and friends. Family room with wood burning fireplace is open to kitchen and has French doors that also lead to deck. Formal living room and dining room, master bedroom with master bath and first floor laundry room complete this amazing home. 2 car attached garage, newer drive and walkway 2009, newer windows, H2O, roof, all appliances will stay. .. move in today!

5. 2001-08-02
   soldstatus $165,000
6. 1997-02-27
   soldstatus $140,000

   Show marketing remark (297 chars)

   Great Home In Great Location/Freshly Painted Exterior & Some Interior/Very Private Wooded Backyard/Fantastic 2 Tier Deck Across Entire Back Of Home/Bay Window In Kit/French Doors Off Fm Rm To Deck/Full Wall Brick Frpl/Lots Of Living Space 2 Fruit Trees To Be Removed By Seller In March 1997.

7. 1997-02-21
   soldstatus $140,000
8. 1996-12-04
   listed $145,900

   Show marketing remark (297 chars)

   Great Home In Great Location/Freshly Painted Exterior & Some Interior/Very Private Wooded Backyard/Fantastic 2 Tier Deck Across Entire Back Of Home/Bay Window In Kit/French Doors Off Fm Rm To Deck/Full Wall Brick Frpl/Lots Of Living Space 2 Fruit Trees To Be Removed By Seller In March 1997.

9. 1994-07-15
   soldstatus $131,000
10. 1994-07-15
    soldstatus $131,000
11. 1994-07-10
    historical
12. 1994-04-12
    listed $134,900
13. 1987-07-29
    soldstatus $97,000
14. 1982-02-09
    soldstatus $19,000

ⓘ 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: $4,253 · $354/mo
• Projected year-2 tax: $4,528 · $377/mo
• Expected delta: +$275/yr (+$23/mo · 6.5%)

ⓘ 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 ≥96°F today · 16 d/yr by 30 yrs out
• 💨 Wind 1/10 Low
• 🫁 Air quality 2/10 Low 1 unhealthy d/yr today · 2 by 30 yrs out

Taxation est. · year 1

• Rental income: $30,491
• − Mortgage interest: −$17,247
• − Property taxes: −$4,253
• − Insurance: −$1,540
• − Repairs & maintenance: −$2,439
• − Management: −$2,439
• − Depreciation: −$8,957
• Taxable loss: −$6,384
• Est. tax savings @ 24.0%: +$1,532
• After-tax cash flow: $452/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: Strongsville City
• NCES district ID: 3904484
• Math proficiency: 73% ▼ -10.00%
• Reading proficiency: 79% ▼ -2.00%
• Median HH income: $78,206
• Composite: 67.02/100
• National rank: #395
• State rank: #62 of 656 in OH

Livability — Strongsville

• Score: 88/100
• State rank: #27
• US rank: #243

Category grades

Amenities A+ 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: Strongsville, OH
• County: Cuyahoga · 1,045,444 people
• City population: 46,110
• Metro: Cleveland, OH
• Population (ZIP): 21,042
• Household income: $114,107
• Rent vs Own: 5.7% rent · 94.3% own
• Severe rent burden: 2.7

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 (91%)
• Race & ethnicity: White 91% Asian 3% Two or more races 3% Hispanic / Latino 3% Black 1%
• Common ancestry: Romanian 11% Italian 2% Slovak 2%
• Foreign-born: 7% · Canada, China
• Languages at home: 92% English-only · Other Indo-European 2% Arabic 1% 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: ▼ -238.17%
• Current HPI: 196.9311
• Rent YoY: —
• Metro: —
• 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

+1663.2% since first listed

15 events — show timeline

• 2026-06-08 Sold (MLS) $335,000 MLSNOW
• 2026-05-05 Pending — MLSNOW
• 2026-04-23 Listed $307,900 MLSNOW
• 2010-07-27 Sold (MLS) $157,500 MLSNOW
• 2010-05-25 Listed $164,900 MLSNOW
• 2001-08-02 Sold (Public Records) $165,000 Public Records
• 1997-02-27 Sold (MLS) $140,000 MLSNOW
• 1997-02-21 Sold (Public Records) $140,000 Public Records
• 1996-12-04 Listed $145,900 MLSNOW
• 1994-07-15 Sold (Public Records) $131,000 Public Records
• 1994-07-15 Sold (MLS) $131,000 MLSNOW
• 1994-07-10 Listing Removed — MLSNOW
• 1994-04-12 Listed $134,900 MLSNOW
• 1987-07-29 Sold (Public Records) $97,000 Public Records
• 1982-02-09 Sold (Public Records) $19,000 Public Records

Property tax history

+1.3%/yr

Latest (2025): $4,253 · -0.0% YoY. Source: county tax records.