Cottage / Storybook home in 13520 Saint James Ave Cleveland, OH
This 1,500-square-foot Cottage home in Cleveland, OH includes 3 bedrooms and 1 bathroom. The Cottage styling carries through the home's design.
| Price | $164,990 |
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| Beds | 3 |
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| Baths | 1 |
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| Sqft | 1500 |
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| Architectural style | Cottage / Storybook (33% match) |
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| Address | 13520 Saint James Ave Cleveland, OH 44135 |
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Why buy this home
- Confirmed Cottage / Storybook architecture, matched from the listing photos by Enzo's vision model.
- Links directly to the original source listing on Movoto.
Is this a good buy?
Priced a little under the area.
- At $165K, this home is 10% above the $150K median for 243 similar Cottage / Storybook homes in Cleveland, OH.
- That works out to $110 per square foot, 6% below the $117 comparable rate.
- New to market (4 days), so expect competition.
| This home | $164,990 |
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| Cottage / Storybook median in Cleveland, OH | $149,900 (243 homes) |
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| Price per sq ft | $110 vs. $117 comps median |
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Enzo's reads public listing data and links to the original source. Confirm condition, HOA, taxes and fees there. This is a signal, not advice.
What it costs to own
Estimated at $1,184/month with 20% down at a 7.28% 30-year fixed rate. You would need about $50,725 in gross annual income to keep housing within a 28% ratio.
| Mortgage (P&I) | $903/mo |
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| Property tax (new-buyer reassessed rate) | $219/mo |
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| Homeowners insurance | $62/mo |
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| Total monthly | $1,184/mo |
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| Down payment (20%) | $32,998 |
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| Income needed | $50,725/yr |
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A signal to compare homes, not financial advice or a loan offer.
Financial outlook (modeled)
Enzo's grades this home B (72 out of 100) over a 5-year hold, from a Monte-Carlo of local home-price dynamics and the interest-rate path versus renting.
| Grade | B (72/100) |
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| Beats renting in | 30% of modeled paths |
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| Modeled 5-yr equity (median) | $95,007 |
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| Range (10th to 90th pct) | $61,844 to $134,184 |
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A probabilistic model built on public data (Zillow ZHVI, FRED rates), not a guarantee or financial advice. Local price dynamics are pooled toward Cleveland, OH where local data is thin.
Local home values
Typical home values in Cleveland, OH have risen about 32% over the past 5 years (+4% in the last year), per the Zillow Home Value Index. This reflects the metro market, not this specific home.
View this home on Movoto