Mortgage Loans in Cleveland
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All about Cleveland
Cleveland, officially the City of Cleveland, is a major city in the U.S. state of Ohio, and the county seat of Cuyahoga County. It is located along the southern shore of Lake Erie, across the U.S. maritime border with Canada and approximately 60 miles (100 kilometers) west of the Ohio-Pennsylvania state border.
The largest city on Lake Erie, Cleveland anchors the Greater Cleveland Metropolitan Statistical Area (MSA) and the Cleveland–Akron–Canton Combined Statistical Area (CSA). The CSA is the most populous combined statistical area in Ohio and the 18th largest in the United States, with an estimated population of 3,586,918 in 2019. The city proper, with an estimated 2019 population of 381,009, ranks as the 53rd-largest city in the U.S., as a larger portion of the metropolitan population lives outside the central city. The seven-county metropolitan Cleveland economy, which includes Akron, is the largest in the state.
Architecture in Cleveland
Cleveland’s downtown architecture is diverse. Many of the city’s government and civic buildings, including City Hall, the Cuyahoga County Courthouse, the Cleveland Public Library, and Public Auditorium, are clustered around the open Cleveland Mall and share a common neoclassical architecture. They were built in the early 20th century as the result of the 1903 Group Plan. They constitute one of the most complete examples of City Beautiful design in the United States.
Completed in 1927 and dedicated in 1930 as part of the Cleveland Union Terminal complex, the Terminal Tower was the tallest building in North America outside New York City until 1964 and the tallest in the city until 1991. It is a prototypical Beaux-Arts skyscraper. The two newer skyscrapers on Public Square, Key Tower (currently the tallest building in Ohio) and the 200 Public Square, combine elements of Art Deco architecture with postmodern designs. Cleveland’s architectural treasures also include the Cleveland Trust Company Building, completed in 1907 and renovated in 2015 as a downtown Heinen’s supermarket, and the Cleveland Arcade (sometimes called the Old Arcade), a five-story arcade built in 1890 and renovated in 2001 as a Hyatt Regency Hotel.
Running east from Public Square through University Circle is Euclid Avenue, which was known for its prestige and elegance as a residential street. In the late 1880s, writer Bayard Taylor described it as “the most beautiful street in the world”. Known as “Millionaires’ Row”, Euclid Avenue was world-renowned as the home of such major figures as John D. Rockefeller, Mark Hanna, and John Hay.
Cleveland’s landmark ecclesiastical architecture includes the historic Old Stone Church in downtown Cleveland and the onion domed St. Theodosius Russian Orthodox Cathedral in Tremont, along with myriad ethnically inspired Roman Catholic churches.
Parks in Cleveland
Known locally as the “Emerald Necklace”, the Olmsted-inspired Cleveland Metroparks encircle Cleveland and Cuyahoga County. The city proper is home to the Metroparks’ Brookside and Lakefront Reservations, as well as significant parts of the Rocky River, Washington, and Euclid Creek Reservations. The Lakefront Reservation, which provides public access to Lake Erie, consists of four parks: Edgewater Park, Whiskey Island–Wendy Park, East 55th Street Marina, and Gordon Park. Three more parks fall under the jurisdiction of the Euclid Creek Reservation: Euclid Beach, Villa Angela, and Wildwood Marina. Bike and hiking trails in the Brecksville and Bedford Reservations, along with Garfield Park further north, provide access to trails in the Cuyahoga Valley National Park. The extensive system of trails within Cuyahoga Valley National Park extends south into Summit County, offering access to Summit Metro Parks as well. Also included in the system is the renowned Cleveland Metroparks Zoo, established in 1882. Located in Big Creek Valley, the zoo has one of the largest collections of primates in North America.
The Cleveland Metroparks provides ample opportunity for outdoor recreational activities. Hiking and biking trails, including single-track mountain bike trails, wind extensively throughout the parks. Rock climbing is available at Whipp’s Ledges at the Hinckley Reservation. During the summer months, kayakers, paddle boarders, and rowing and sailing crews can be seen on the Cuyahoga River and Lake Erie. In the winter months, downhill skiing, snowboarding, and tubing are available not far from downtown at the Boston Mills/Brandywine and Alpine Valleyski resorts.
In addition to the Metroparks, the Cleveland Public Parks District oversees the city’s neighborhood parks, the largest of which is the historic Rockefeller Park. The latter is notable for its late 19th century landmark bridges, the Rockefeller Park Greenhouse, and the Cleveland Cultural Gardens, which celebrate the city’s ethnic diversity. Just outside of Rockefeller Park, the Cleveland Botanical Garden in University Circle, established in 1930, is the oldest civic garden center in the nation. In addition, the Greater Cleveland Aquarium, located in the historic FirstEnergy Powerhouse in the Flats, is the only independent, free-standing aquarium in the state of Ohio.
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Geography of Cleveland
The Cleveland City Planning Commission has officially designated 34 neighborhoods in Cleveland. Centered on Public Square, Downtown Cleveland is the city’s central business district, encompassing a wide range of subdistricts, such as the Nine-Twelve District, the Campus District, the Civic Center, and Playhouse Square. It also historically included the lively Short Vincent entertainment district, which emerged in the 1920s, reached its height in the 1940s and 1950s, and disappeared with the expansion of National City Bank in the late 1970s. Mixed-use areas, such as the Warehouse District and the Superior Arts District, are occupied by industrial and office buildings as well as restaurants, cafes, and bars. The number of downtown condominiums, lofts, and apartments has been on the increase since 2000 and especially 2010, reflecting the neighborhood’s dramatic population growth. Recent downtown developments also include the Euclid Corridor Project and the revival of East 4th Street.
Clevelanders geographically define themselves in terms of whether they live on the east or west side of the Cuyahoga River. The East Side includes the neighborhoods of Buckeye–Shaker, Buckeye–Woodhill, Central, Collinwood (including Nottingham), Euclid–Green, Fairfax, Glenville, Goodrich–Kirtland Park (including Asiatown), Hough, Kinsman, Lee–Miles (including Lee–Harvard and Lee–Seville), Mount Pleasant, St. Clair–Superior, Union–Miles Park, and University Circle (including Little Italy). The West Side includes the neighborhoods of Brooklyn Centre, Clark–Fulton, Cudell, Detroit–Shoreway, Edgewater, Ohio City, Old Brooklyn, Stockyards, Tremont (including Duck Island), West Boulevard, and the four neighborhoods colloquially known as West Park: Kamm’s Corners, Jefferson, Bellaire–Puritas, and Hopkins. The Cuyahoga Valley neighborhood (including the Flats) is situated between the East and West Sides, while the Broadway–Slavic Village neighborhood is sometimes referred to as the South Side.
Several neighborhoods have begun to attract the return of the middle class that left the city for the suburbs in the 1960s and 1970s. These neighborhoods are on both the West Side (Ohio City, Tremont, Detroit–Shoreway, and Edgewater) and the East Side (Collinwood, Hough, Fairfax, and Little Italy). Much of the growth has been spurred on by attracting creative class members, which in turn is spurring new residential development. A live-work zoning overlay for the city’s near East Side has facilitated the transformation of old industrial buildings into loft spaces for artists.
Climate in Cleveland
Typical of the Great Lakes region, Cleveland exhibits a continental climate with four distinct seasons, which lies in the humid continental zone. Summers are hot and humid while winters are cold and snowy. The Lake Erie shoreline is very close to due east–west from the mouth of the Cuyahoga west to Sandusky, but at the mouth of the Cuyahoga it turns sharply northeast. This feature is the principal contributor to the lake-effect snow that is typical in Cleveland (especially on the city’s East Side) from mid-November until the surface of Lake Erie freezes, usually in late January or early February. The lake effect also causes a relative differential in geographical snowfall totals across the city: while Hopkins Airport, on the city’s far West Side, has only reached 100 inches (254 cm) of snowfall in a season three times since record-keeping for snow began in 1893, seasonal totals approaching or exceeding 100 inches (254 cm) are not uncommon as the city ascends into the Heights on the east, where the region known as the ‘Snow Belt‘ begins. Extending from the city’s East Side and its suburbs, the Snow Belt reaches up the Lake Erie shore as far as Buffalo.
The all-time record high in Cleveland of 104 °F (40 °C) was established on June 25, 1988, and the all-time record low of −20 °F (−29 °C) was set on January 19, 1994. On average, July is the warmest month with a mean temperature of 74.5 °F (23.6 °C), and January, with a mean temperature of 29.1 °F (−1.6 °C), is the coldest. Normal yearly precipitation based on the 30-year average from 1991 to 2020 is 41.03 inches (1,042 mm). The least precipitation occurs on the western side and directly along the lake, and the most occurs in the eastern suburbs. Parts of Geauga County to the east receive over 44 inches (1,100 mm) of liquid precipitation annually.
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Kim Ricci
Division Regional Manager // NMLS #270262
Hi, My name is Kim. I am a Division Regional Manager with the Mortgage Banking Firm, LeaderOne Financial Corporation. We specialize in residential home loans for real estate purchase and refinances, including VA loans. Our vision is honest and integrity, our customer service is phenomenal, I go above and beyond to help you with your financing needs. I carry licenses in OH, FL, IL, MA, CT, VT, SC, NC, GA, AL, WI, MI, PA and AZ.