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495 North St, Chagrin Falls, OH, 44022

5beds
5baths
5,034sqft
$1,150,000
$228price/sqft
$8,610/moest. monthly cost
$344,400/yrincome needed

About This Home

Welcome to this beautiful 5-bedroom, 4.5-bath colonial in picturesque Chagrin Falls! This home is convenient to the Village’s charming downtown area and its array of shops, restaurants, & local businesses, as well as the scenic waterfall. Several parks, including a nature preserve, & a public library further enhance the community. The home has fabulous curb appeal with an expansive front lawn and professional landscaping. Light-filled spaces, a thoughtful layout, neutral colors, and excellent storage are among the outstanding features of this home. As you enter, you are greeted by a gracious foyer and attractive wood floors. The family room features a fireplace insert, brick hearth, built-in curio, & a wall of windows. The living room is highlighted by French doors, floor-to-ceiling windows, natural woodwork, and a coffered ceiling. The dining room provides complementary space with its expansive windows and chair rail. The adjacent eat-in kitchen features luxury appliances, excellent work space, & impressive storage. A nice-sized guest bedroom with walk-in closet and ensuite bath offers inviting accommodations. A vaulted sunroom offering peaceful views of the yard is accessible from the guest room and family room. A convenient laundry room with sink and storage and a half bath complete this floor. Continue to the second floor, where you will find a sizable bedroom with built-in features and large closet. A bonus room beyond the closet provides great office space. A shared bathroom with dual sinks and ample storage leads to another bedroom. The generously-sized owner’s bedroom is complemented by three closets and an ensuite bath. The lower level offers terrific space and walk-out access. A fifth bedroom is adjacent to a full bath with storage. A recreation room and family room offer comfortable spaces to relax. A spacious home office, two large storage areas, and a mechanical closet round out this level. Three-car garage & whole-house generator; 1-year home warranty.

Getting Around

11
WalkingCar-Dependent
0
TransitVery Limited Transit
8
BikeSomewhat Bikeable

Schools

Construction

Condition

  • Year built: 1993

Materials

  • Foundation: Block
  • Roof: Asphalt,Fiberglass
  • Construction materials: Cedar

Type & Style

  • Home type: SingleFamily
  • Architectural style: Colonial
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Built-In Oven,Dryer,Dishwasher,Disposal,Humidifier,Microwave,Range,Refrigerator,Washer
  • Laundry features: Main Level

Basement

  • Has basement: Yes
  • Basement: Full,Finished,Storage Space,Walk-Out Access,Sump Pump

Bathroom

  • Level: First
  • Dimensions: 8 x 5

Bathroom

  • Level: Lower
  • Dimensions: 8 x 6

Bathroom

  • Level: First
  • Dimensions: 9 x 3

Bathroom

  • Level: Second
  • Dimensions: 16 x 4

Bedroom

  • Features: Walk-In Closet(s),Window Treatments
  • Level: First
  • Dimensions: 13 x 12

Bedroom

  • Features: Walk-In Closet(s)
  • Level: Lower
  • Dimensions: 15 x 11

Bedroom

  • Features: Built-in Features,Walk-In Closet(s)
  • Level: Second
  • Dimensions: 15 x 11

Bedroom

  • Features: Track Lighting
  • Level: Second
  • Dimensions: 12 x 11

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 5
  • Full bathrooms: 4
  • 1/2 bathrooms: 1
  • Main level bathrooms: 2
  • Main level bedrooms: 1

Bonus Room

  • Level: Second
  • Dimensions: 14 x 8

Dining Room

  • Features: Chandelier
  • Level: First
  • Dimensions: 15 x 11

Eat In Kitchen

  • Level: First
  • Dimensions: 20 x 15

Family Room

  • Features: Built-in Features,Fireplace
  • Level: First
  • Dimensions: 18 x 16

Family Room

  • Level: Lower
  • Dimensions: 24 x 11

Features

  • Built-in Features,Ceiling Fan(s),Chandelier,Crown Molding,Coffered Ceiling(s),Entrance Foyer,Eat-in Kitchen,Kitchen Island,Pantry,Recessed Lighting,Storage,Walk-In Closet(s)
  • Window features: Blinds
  • Number of fireplaces: 1
  • Fireplace features: Blower Fan,Insert,Wood Burning
  • Fireplace: Yes
  • Finished area below ground: 1,500
  • Finished area above ground: 3,534

Heating & Cooling

  • Heating features: Forced Air,Gas
  • Cooling features: Central Air,Ceiling Fan(s)

Interior Area

  • Total structure area: 5,034
  • Total interior livable area: 5,034 sqft

Laundry

  • Level: First
  • Dimensions: 8 x 6

Living Room

  • Features: Coffered Ceiling(s)
  • Level: First
  • Dimensions: 13 x 12

Office

  • Level: Lower
  • Dimensions: 19 x 18

Primary Bathroom

  • Level: Second
  • Dimensions: 12 x 10

Primary Bedroom

  • Features: Walk-In Closet(s),Window Treatments
  • Level: Second
  • Dimensions: 19 x 16

Recreation

  • Level: Lower
  • Dimensions: 25 x 13

Sunroom

  • Features: Window Treatments
  • Level: First
  • Dimensions: 17 x 14

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 93104008
  • Special condition: Standard

Features

  • Levels: Two
  • Stories: 2
  • Patio & porch: Deck,Front Porch
  • Exterior features: Sprinkler/Irrigation
  • Fencing: Wood
  • Has view: Yes
  • View description: Trees/Woods

Lot

  • Lot size: 0.68 Acres
  • Features: Gentle Sloping

Parking

  • Total spaces: 3
  • Parking features: Attached,Drain,Electricity,Garage,Garage Door Opener,Paved,Garage Faces Side
  • Has garage: Yes
  • Attached garage spaces: 3
  • Covered spaces: 3

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Inland Flooding
    Inland FloodingRelatively High
  • Cold Wave
    Cold WaveModerate
  • Heat Wave
    Heat WaveModerate
  • Tornado
    TornadoModerate
  • Winter Weather
    Winter WeatherModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Inland Flooding
Cold Wave
Heat Wave
Tornado
Winter Weather
Tsunami

FEMA Declared Disasters Across Ohio Counties

Flood
Tornado

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $5,815$69,780
Home Insurance *$445$5,340
Property Taxes $1,811$21,732
Electricity $539$6,478
Total$8,610$103,320
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$295,200/yr
40% on housing$258,300/yr
45% on housing$229,600/yr

Ohio FAIR Plan Programs

Ohio FAIR Plan Underwriting Association

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 13,942Commercial: 466
Total Premiums$18.03M
Total Exposure$5.92B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 7.3%
7.3%
0%30.0%
Electricity Growth Rate10-year average: 5.9%
5.9%
0%15.0%
Property Taxes Growth Rate2-year average: -0.7%
-0.7%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$228This listing

vs Other Active Listings

Avg $/sqft

ZIP 44022$299
Cuyahoga County$124

vs Homes Sold Last Month

Median $/sqft

ZIP 44022$283
Cuyahoga County$144

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-07-16Price change$1,150,000
2026-06-06Listed for sale$1,275,000
2011-05-04Listing removed$639,000
2010-11-05Listed for sale$639,000
2002-05-16Sold$470,000

For Sale by Agent

AgentStephen N Gates
BrokerageKeller Williams Elevate

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