Cottage / Storybook home in Cleveland, OH
Set in Cleveland, OH, this Cottage home provides 2 bedrooms and 2 bathrooms across 1,206 square feet. The Cottage styling carries through the home's design.
| Price | $99,900 |
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| Beds | 2 |
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| Baths | 2 |
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| Sqft | 1206 |
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| Architectural style | Cottage / Storybook (38% match) |
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| Address | 2164 W 45th St, Cleveland, OH 44102 |
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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 Zillow.
Is this a good buy?
Priced below comparable homes.
- At $100K, this home is 33% below the $150K median for 243 similar Cottage / Storybook homes in Cleveland, OH.
- That works out to $83 per square foot, 29% below the $117 comparable rate.
- On the market 22 days.
| This home | $99,900 |
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| Cottage / Storybook median in Cleveland, OH | $149,900 (243 homes) |
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| Price per sq ft | $83 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 $717/month with 20% down at a 7.28% 30-year fixed rate. You would need about $30,714 in gross annual income to keep housing within a 28% ratio.
| Mortgage (P&I) | $547/mo |
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| Property tax (new-buyer reassessed rate) | $132/mo |
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| Homeowners insurance | $37/mo |
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| Total monthly | $717/mo |
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| Down payment (20%) | $19,980 |
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| Income needed | $30,714/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 C (59 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 | C (59/100) |
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| Beats renting in | 11% of modeled paths |
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| Modeled 5-yr equity (median) | $44,572 |
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| Range (10th to 90th pct) | $25,993 to $67,246 |
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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 Zillow