Score
0Cincinnati, OH
1437 Sutton Ave
220K
3 beds
2 baths
1,223 sqft
3 bd • 2 ba • 1,223 sf
This analysis was generated on 1/22/2025. It is for entertainment purposes only and should not be considered as real estate or investment advice.
List Price
$220,000
Price/Sq.Ft
$180
Year Built
1926
AI Property Analysis
A comprehensive evaluation of this property's features, market position, and investment potential.
The Good
This charming Cape Cod style home at 1437 Sutton Ave offers excellent value at $179.89/sqft, which is approximately 15% below the Cincinnati average of $211/sqft for similar properties. The 1,223 sqft layout maximizes space efficiency, providing 3 bedrooms and 2 bathrooms. Recent upgrades include newer windows, enhancing energy efficiency and potentially lowering utility costs. The property boasts hardwood floors throughout, a highly desirable feature that typically adds 2.5% to home value. The flexible bonus room on the 1st floor adds versatility, potentially serving as a 3rd bedroom, sunroom, or home office - a feature particularly valuable in today's remote work environment. The home's climate risk profile is exceptional, with minimal flood (1/10) and fire (1/10) risks, significantly better than the area averages of 3/10 and 2/10 respectively. This translates to lower insurance premiums, with the estimated annual cost of $792 being about 20% below the Cincinnati average of $989 for similar homes.
The Bad
While the property has many positives, there are some potential drawbacks. Built in 1926, the home is nearly 100 years old, which may necessitate more frequent maintenance and repairs compared to newer constructions. The electrical and plumbing systems, if original, could require costly updates to meet modern standards and safety requirements. The moderate heat risk (4/10) suggests that summer cooling costs might be higher than average, potentially increasing energy bills. The air quality risk of 3/10, while not severe, is slightly above the Cincinnati average of 2/10, which could be a concern for residents with respiratory sensitivities. Additionally, while the home's square footage is efficient, it's about 10% smaller than the Cincinnati average of 1,360 sqft for 3-bedroom homes, which might feel cramped for some families or those accustomed to more spacious living areas.
The Ugly
The most significant concern for this property is its potential for major system failures due to its age. With nearly a century of wear, critical components like the roof, foundation, and HVAC system may be nearing the end of their lifespan. A new roof for a home this size could cost $8,000-$12,000, while a full HVAC replacement might run $6,000-$10,000. Foundation issues, if present, could be even more costly, potentially exceeding $20,000 for major repairs. The presence of natural woodwork, while charming, could indicate the use of lead-based paint in the original construction, which was common until 1978. Professional lead abatement, if necessary, can cost $10,000-$30,000 depending on the extent of the issue. Additionally, the partial second bathroom might require a full renovation to meet modern standards, potentially costing $5,000-$10,000. These potential expenses could significantly impact the true cost of ownership, possibly exceeding $50,000 in the worst-case scenario.
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Original
Who is this property for?
These details are presented solely for entertainment purposes and are not meant to steer or limit any prospective buyer.
Best For
This property is ideal for first-time homebuyers or small families with a household income around $65,000-$75,000, based on the home's price and estimated monthly costs. It's particularly well-suited for those who appreciate historic charm and are willing to invest in maintaining an older home. The flexible layout and bonus room make it attractive for young professionals who work from home or need a dedicated office space. With its minimal flood and fire risks, it's excellent for risk-averse buyers concerned about climate-related property damage. The large yard is perfect for gardening enthusiasts or those with pets. Given the current rental rates in Cincinnati (around $1,464 for a 3-bedroom), investors could potentially achieve a gross rental yield of approximately 8% before expenses, making it an interesting option for those looking to enter the rental market.
Not For
This property is not suitable for large families needing more than 3 bedrooms or those requiring over 1,500 sqft of living space. It's also not ideal for buyers looking for a modern, move-in ready home with all the latest amenities. Given the potential for significant repairs and updates due to the home's age, it's not appropriate for buyers with limited budgets beyond the purchase price or those unwilling to deal with the challenges of an older home. The moderate heat risk (4/10) makes it less suitable for elderly residents or those with health conditions exacerbated by heat. Investors seeking a hands-off, low-maintenance rental property might find the potential upkeep requirements too demanding.
Demographics
Area Median Income
$78,447
Property History
Price History
Ownership Timeline
Property Taxes
$2,812
2023 Tax Assessment
31.5%from previous year
Assessed Value$43,215
Tax Rate6.51%
Sunlight Analysis
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Sunlight Analysis
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Risk Assessment
Climate Risks
heatMODERATE
7 extreme heat days per year
98th percentile: 103°F
airMINIMAL
2 bad air quality days per year
windMINIMAL
Insurance: Recommended
floodMINIMAL
FEMA Zone: Minimal Risk Area
Insurance: Optional
fireMINIMAL
Insurance: Optional
Risk Analysis
1. Age-related issues: Given the home's 99-year age, there's a high risk of major systems failing or requiring significant updates. This includes potential electrical, plumbing, and structural issues that may not be immediately apparent.
2. Lead paint risk: Homes built before 1978 often contain lead-based paint. This property, built in 1926, likely has lead paint, which poses health risks if disturbed during renovations.
3. Asbestos risk: Given its age, there's a possibility of asbestos in insulation, flooring, or other materials, which could be costly to safely remove if found during renovations.
4. Heat vulnerability: With a heat risk of 4/10 and 7 hot days per year, the property may require upgrades to its cooling system or additional insulation to maintain comfort and energy efficiency.
5. Market volatility: While currently priced below market average, the Cincinnati real estate market has seen fluctuations. There's a risk that property values in this area might not appreciate as quickly as in other parts of the city.
6. Zoning changes: As an older neighborhood, there's always a risk of zoning changes that could affect property use or value, especially if the area is targeted for redevelopment.
7. Insurance cost increases: Despite current low risks, climate change could lead to increased severe weather events, potentially raising insurance costs in the future.
8. School quality impact: With nearby schools rated 5/10 or lower, there's a risk that school performance could negatively impact future property values if ratings decline further.
Insurance
Annual Cost
$792
$66 per month
Cost & Affordability
Monthly Costs
Breakdown of estimated monthly expenses for this property
Monthly Payment
$0
* Estimated at 1% of home value annually. Actual costs may vary.
Not Included in Estimate
• Utilities (electricity, gas, water, internet)
• Home improvements and upgrades
• Landscaping and yard maintenance
• Pest control and home services
• Emergency repairs and replacements
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20.0% of purchase price
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$220 monthly
$66 monthly
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Schools
Mt. Washington Elementary School
Public•Grades PK-6
5/5
Primary
0.5 mi
Withrow University High School
Public•Grades 5-12
2/5
Elementary
5.3 mi
Financials
Monthly Costs
Market Rent (3 bed)
Get a detailed estimate on Zillow®$1,464
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Location & Comparables
Subject Property
Comparable Sales
Subject Property
Price
$220,000
Price/sqft
$180
Layout
3 bd•2 ba
Days on market
7 daysat time of analysis
Stats in the Area
Based on 6 comparable properties nearby
Average Price
$231,050
4.8%
Your price is 4.8% below average
Median Price
$253,000
13.0%
Based on 6 recent sales
Price per Sq.Ft
$182
1.2%
Your price is 1.2% below average $/sqft
Comparable Properties
| Address | Price | Sq.Ft | Beds | Baths | $/Sq.Ft | Sale Date |
|---|---|---|---|---|---|---|
| 1523 Brandon Avenue, Cincinnati, OH 45230 | $275,000 | 1,221 | 4 | 2 | $22525.2% | 10/25/2024 |
| 5980 Wayside Court, Cincinnati, OH 45230 | $253,000 | 1,203 | 3 | 2 | $21016.9% | 9/18/2024 |
| 1311 Deliquia Drive, Cincinnati, OH 45230 | $150,000 | 1,411 | 3 | 2 | $10640.9% | 11/5/2024 |
| 1094 Baytree Court, Anderson Twp, OH 45230 | $283,300 | 1,280 | 4 | 2 | $22123.0% | 9/18/2024 |
| 1702 Tiffany Lane, Cincinnati, OH 45230 | $240,000 | 1,352 | 2 | 2 | $1781.3% | 10/8/2024 |
| 1470 Antoinette Avenue, Cincinnati, OH 45230 | $185,000 | 1,225 | 2 | 2 | $15116.0% | 8/22/2024 |
1523 Brandon Avenue, Cincinnati, OH 45230
Price: $275,000
Sq.Ft: 1,221
Beds/Baths: 4/2
$/Sq.Ft:
$22525.2%
Sale Date: 10/25/2024
5980 Wayside Court, Cincinnati, OH 45230
Price: $253,000
Sq.Ft: 1,203
Beds/Baths: 3/2
$/Sq.Ft:
$21016.9%
Sale Date: 9/18/2024
1311 Deliquia Drive, Cincinnati, OH 45230
Price: $150,000
Sq.Ft: 1,411
Beds/Baths: 3/2
$/Sq.Ft:
$10640.9%
Sale Date: 11/5/2024
1094 Baytree Court, Anderson Twp, OH 45230
Price: $283,300
Sq.Ft: 1,280
Beds/Baths: 4/2
$/Sq.Ft:
$22123.0%
Sale Date: 9/18/2024
1702 Tiffany Lane, Cincinnati, OH 45230
Price: $240,000
Sq.Ft: 1,352
Beds/Baths: 2/2
$/Sq.Ft:
$1781.3%
Sale Date: 10/8/2024
1470 Antoinette Avenue, Cincinnati, OH 45230
Price: $185,000
Sq.Ft: 1,225
Beds/Baths: 2/2
$/Sq.Ft:
$15116.0%
Sale Date: 8/22/2024
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