1915 Old Taneytown Rd · Westminster, MD 21158

$275,000

3 bd · 1.0 ba · 1,800 sqft · SingleFamily public records · 96 Days on market

Built 1800 6,011 sqft lot $153/sqft · 31% below area Est $401k · 31% under

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Why this score? — see what drove the C- grade

The composite is a weighted blend of 9 inputs, each scored 0–100. Each bar is that input's sub-score; the figure is the points it added to the 100-point composite (weight × sub-score).

• Cash flow +17.3/30.0
• ARV discount +15.0/15.0
• DSCR +5.4/10.0
• 1% rule +3.8/10.0
• Schools +3.7/10.0
• Livability +3.5/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

BRING ANY AND ALL OFFERS! SELLER IS SUPER MOTIVATED!!!!!Discover the perfect blend of historic character and modern luxury in this completely renovated home, conveniently located on a quiet street corner in Westminster. From the moment you step inside, you’ll be struck by the bright, open feel, highlighted by brand-new flooring and fresh, neutral paint throughout. The main level is designed for effortless living and entertaining, featuring both a formal living room and a relaxed family room space. The heart of the home is the sparkling, brand-new kitchen, ready for you to create culinary memories. A full, beautifully updated bathroom on this level includes a convenient main-floor laundry, adding a touch of practical luxury. Upstairs, three spacious and private bedrooms offer peaceful retreats for every member of the household. Every detail has been thoughtfully addressed—from the conversion to modern drywall to the installation of new light fixtures. Outside, a newly added parking pad provides ample off-street parking. Major systems have been updated and verified, including a passed septic inspection, offering you complete peace of mind. This is more than just a house—it's a turnkey opportunity for a fresh start in a home where all the work has been done for you. Don’t miss your chance to own this incredible, low-maintenance property. Schedule your private showing today!

Key facts

• Relaxed family room
• Fresh neutral paint
• Brand new flooring

Tags

• COMPLETELY RENOVATED HOME
• BRAND NEW FLOORING
• FRESH NEUTRAL PAINT
• FORMAL LIVING ROOM
• RELAXED FAMILY ROOM
• SPARKLING BRAND NEW KITCHEN

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $275k.

Deal economics

• At list price, monthly cash flow is $201 ($2k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $242k (12.1% below list).
• Recommended offer: $242k (12.1% below list) — sets the bar for 1% rule.
• Cap rate 7.2% vs local median 2.5% in Westminster — top-decile yield for the area; either an underpriced asset or a hidden risk that comps aren't pricing in. Stress-test before assuming the spread holds.

Location & tenants

• Location reads 70/100 on livability (#176 in MD) — a middle-class / working-renter tenant base. Strengths: housing A+, health & safety A+; Watch: schools C-, amenities C-, commute F.
• Carroll County Public Schools (suburban): math 32% / reading 47% proficiency, ranked #2 of 24 in MD (top 8%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases; only 16% free/reduced lunch — higher-income household profile.
• Market conditions: 76 active listings in the ZIP; solid renter incomes; 156 units permitted in Carroll County in 2024 (12 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $2k of loan paydown is wiped out by about $8k of value loss. Plan a longer hold.
• Carroll County population projected to shrink 7% by 2050 — rents likely to lag national; underwrite the cash flow, not the appreciation.

Negotiation context

• It's been on market 96 days — a 9% lower offer ($250k) is reasonable based on typical stale-listing flexibility.
• 2 sale attempts; this cycle's ask has dropped $75k (21%) from the opening price — seller is motivated, your offer sets the floor, not the list.
• Current owner paid $125k; list at $275k implies a 120% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: built in 1800 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: extreme-heat days projected 7→15/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $241,840 (12.1% below list)

Questions for the listing agent

1. It's been on market 96 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
2. Built in 1800 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
4. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
5. What's the average days-on-market for RENTAL listings here right now (not sales)? A rising rental-DOM trend means longer vacancies and softer asking-rent achievability than the comps imply.
6. What's the recent tenant-quality profile in this submarket — average credit score on applications, eviction rate, late-payment / NSF rate, and stable-employment percentage? A property-management company in the area should have these aggregated.
7. How much new for-sale + rental construction is in the pipeline within 1–3 miles? Heavy new supply typically softens prices + rents 12–24 months out; constrained supply supports both.

Investment metrics

• 1% rule: 0.88% ✗
• Cap rate: 7.17%
• Cash-on-cash: 3.14%
• DSCR: 1.14
• GRM: 9.5

CMA / ARV

• ARV (median comp): $401,200
• List price: $275,000
• Delta: -31.46%
• Verdict: UNDERPRICED
• Comps: 14 within 1.0 mi

Show comp detail 1 sale within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
2032 Frizzellburg Rd	0.30mi	2/2.0 (-1)	1,608 (-11%)	19mo	$375,000	$233	44

Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.

Projected returns pro-forma

-3.0% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: -11.4%
• Equity multiple: 0.59×
• Total profit: $-31,817
• Equity at exit: $41,003

10-year hold

• IRR: -2.2%
• Equity multiple: 0.85×
• Total profit: $-11,519
• Equity at exit: $23,777

Cash invested: $77,000 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

• Overall (STATE): 27 Tenant-Leaning
• State Maryland: 27 Tenant-Leaning · D+14
• County: — inherits STATE
• City: — inherits STATE

Failure-to-pay is dismissed if cured before judgment; Baltimore has just-cause; strict deposit rules.

Methodology + full state rankings →

ZIP-level market 21158

• Active inventory: 76
• Price-to-rent: 9.5×

Monthly cashflow live

• Estimated rent: $2,418 medium
• Mortgage (P&I): −$1,442
• Tax from tax record: −$152 /mo · $1,829/yr
• Insurance: −$115
• HOA: −$0
• Vacancy / Maint / Mgmt: −$508
• Net cashflow: $201

Break-even live

Break-even rent $2,163

Max offer price $275,000

Occupancy floor 87%

UW: 25.0% down · 7.5% · 30yr · 1.5% tax · 5.0% vac · 8.0% maint · 8.0% mgmt

Financing live

Cash to close

• Down payment: $68,750
• Closing costs: $8,250
• Reserves months: —
• Total cash needed: —

Listing history 19 events

1. 2026-06-13
   days on market $275,000 Active 96 DOM
2. 2026-06-09
   days on market $275,000 Active 92 DOM
3. 2026-06-08
   days on market $275,000 Active 91 DOM
4. 2026-06-07
   days on market $275,000 Active 90 DOM
5. 2026-06-04
   days on market $275,000 Active 87 DOM
6. 2026-06-03
   days on market $275,000 Active 86 DOM
7. 2026-06-02
   days on market $275,000 Active 85 DOM
8. 2026-06-01
   days on market $275,000 Active 84 DOM
9. 2026-05-31
   days on market $275,000 Active 83 DOM
10. 2026-05-13
    price $295,000 1417-char remark

    Show marketing remark (1417 chars)

    BRING ANY AND ALL OFFERS! SELLER IS SUPER MOTIVATED!!!!!Discover the perfect blend of historic character and modern luxury in this completely renovated home, conveniently located on a quiet street corner in Westminster. From the moment you step inside, you’ll be struck by the bright, open feel, highlighted by brand-new flooring and fresh, neutral paint throughout. The main level is designed for effortless living and entertaining, featuring both a formal living room and a relaxed family room space. The heart of the home is the sparkling, brand-new kitchen, ready for you to create culinary memories. A full, beautifully updated bathroom on this level includes a convenient main-floor laundry, adding a touch of practical luxury. Upstairs, three spacious and private bedrooms offer peaceful retreats for every member of the household. Every detail has been thoughtfully addressed—from the conversion to modern drywall to the installation of new light fixtures. Outside, a newly added parking pad provides ample off-street parking. Major systems have been updated and verified, including a passed septic inspection, offering you complete peace of mind. This is more than just a house—it's a turnkey opportunity for a fresh start in a home where all the work has been done for you. Don’t miss your chance to own this incredible, low-maintenance property. Schedule your private showing today!

11. 2026-05-06
    price $299,995 1417-char remark

    Show marketing remark (1417 chars)

    BRING ANY AND ALL OFFERS! SELLER IS SUPER MOTIVATED!!!!!Discover the perfect blend of historic character and modern luxury in this completely renovated home, conveniently located on a quiet street corner in Westminster. From the moment you step inside, you’ll be struck by the bright, open feel, highlighted by brand-new flooring and fresh, neutral paint throughout. The main level is designed for effortless living and entertaining, featuring both a formal living room and a relaxed family room space. The heart of the home is the sparkling, brand-new kitchen, ready for you to create culinary memories. A full, beautifully updated bathroom on this level includes a convenient main-floor laundry, adding a touch of practical luxury. Upstairs, three spacious and private bedrooms offer peaceful retreats for every member of the household. Every detail has been thoughtfully addressed—from the conversion to modern drywall to the installation of new light fixtures. Outside, a newly added parking pad provides ample off-street parking. Major systems have been updated and verified, including a passed septic inspection, offering you complete peace of mind. This is more than just a house—it's a turnkey opportunity for a fresh start in a home where all the work has been done for you. Don’t miss your chance to own this incredible, low-maintenance property. Schedule your private showing today!

12. 2026-04-28
    price $299,999 1417-char remark

    Show marketing remark (1417 chars)

    BRING ANY AND ALL OFFERS! SELLER IS SUPER MOTIVATED!!!!!Discover the perfect blend of historic character and modern luxury in this completely renovated home, conveniently located on a quiet street corner in Westminster. From the moment you step inside, you’ll be struck by the bright, open feel, highlighted by brand-new flooring and fresh, neutral paint throughout. The main level is designed for effortless living and entertaining, featuring both a formal living room and a relaxed family room space. The heart of the home is the sparkling, brand-new kitchen, ready for you to create culinary memories. A full, beautifully updated bathroom on this level includes a convenient main-floor laundry, adding a touch of practical luxury. Upstairs, three spacious and private bedrooms offer peaceful retreats for every member of the household. Every detail has been thoughtfully addressed—from the conversion to modern drywall to the installation of new light fixtures. Outside, a newly added parking pad provides ample off-street parking. Major systems have been updated and verified, including a passed septic inspection, offering you complete peace of mind. This is more than just a house—it's a turnkey opportunity for a fresh start in a home where all the work has been done for you. Don’t miss your chance to own this incredible, low-maintenance property. Schedule your private showing today!

13. 2026-04-13
    price $335,000 1417-char remark

    Show marketing remark (1417 chars)

    BRING ANY AND ALL OFFERS! SELLER IS SUPER MOTIVATED!!!!!Discover the perfect blend of historic character and modern luxury in this completely renovated home, conveniently located on a quiet street corner in Westminster. From the moment you step inside, you’ll be struck by the bright, open feel, highlighted by brand-new flooring and fresh, neutral paint throughout. The main level is designed for effortless living and entertaining, featuring both a formal living room and a relaxed family room space. The heart of the home is the sparkling, brand-new kitchen, ready for you to create culinary memories. A full, beautifully updated bathroom on this level includes a convenient main-floor laundry, adding a touch of practical luxury. Upstairs, three spacious and private bedrooms offer peaceful retreats for every member of the household. Every detail has been thoughtfully addressed—from the conversion to modern drywall to the installation of new light fixtures. Outside, a newly added parking pad provides ample off-street parking. Major systems have been updated and verified, including a passed septic inspection, offering you complete peace of mind. This is more than just a house—it's a turnkey opportunity for a fresh start in a home where all the work has been done for you. Don’t miss your chance to own this incredible, low-maintenance property. Schedule your private showing today!

14. 2026-04-03
    price $345,000 1417-char remark

    Show marketing remark (1417 chars)

    BRING ANY AND ALL OFFERS! SELLER IS SUPER MOTIVATED!!!!!Discover the perfect blend of historic character and modern luxury in this completely renovated home, conveniently located on a quiet street corner in Westminster. From the moment you step inside, you’ll be struck by the bright, open feel, highlighted by brand-new flooring and fresh, neutral paint throughout. The main level is designed for effortless living and entertaining, featuring both a formal living room and a relaxed family room space. The heart of the home is the sparkling, brand-new kitchen, ready for you to create culinary memories. A full, beautifully updated bathroom on this level includes a convenient main-floor laundry, adding a touch of practical luxury. Upstairs, three spacious and private bedrooms offer peaceful retreats for every member of the household. Every detail has been thoughtfully addressed—from the conversion to modern drywall to the installation of new light fixtures. Outside, a newly added parking pad provides ample off-street parking. Major systems have been updated and verified, including a passed septic inspection, offering you complete peace of mind. This is more than just a house—it's a turnkey opportunity for a fresh start in a home where all the work has been done for you. Don’t miss your chance to own this incredible, low-maintenance property. Schedule your private showing today!

15. 2026-03-09
    listed $350,000 Active 1417-char remark

    Show marketing remark (1417 chars)

    BRING ANY AND ALL OFFERS! SELLER IS SUPER MOTIVATED!!!!!Discover the perfect blend of historic character and modern luxury in this completely renovated home, conveniently located on a quiet street corner in Westminster. From the moment you step inside, you’ll be struck by the bright, open feel, highlighted by brand-new flooring and fresh, neutral paint throughout. The main level is designed for effortless living and entertaining, featuring both a formal living room and a relaxed family room space. The heart of the home is the sparkling, brand-new kitchen, ready for you to create culinary memories. A full, beautifully updated bathroom on this level includes a convenient main-floor laundry, adding a touch of practical luxury. Upstairs, three spacious and private bedrooms offer peaceful retreats for every member of the household. Every detail has been thoughtfully addressed—from the conversion to modern drywall to the installation of new light fixtures. Outside, a newly added parking pad provides ample off-street parking. Major systems have been updated and verified, including a passed septic inspection, offering you complete peace of mind. This is more than just a house—it's a turnkey opportunity for a fresh start in a home where all the work has been done for you. Don’t miss your chance to own this incredible, low-maintenance property. Schedule your private showing today!

16. 2025-11-19
    historical
17. 2025-11-01
    listed $175,000 Active
18. 2025-10-28
    historical
19. 2025-09-30
    soldstatus $125,000

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

Tax reassessment forecast MD · Partial reset (capped growth)

• Current annual tax: $1,829 · $152/mo
• Projected year-2 tax: $2,413 · $201/mo
• Expected delta: +$584/yr (+$49/mo · 31.9%)

ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.

Climate risk First Street

• 🌊 Flood 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
• 🔥 Wildfire 3/10 Moderate
• 🌡 Heat 5/10 Major 7 d/yr ≥103°F today · 15 d/yr by 30 yrs out
• 💨 Wind 4/10 Moderate 14% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 1 unhealthy d/yr today · 3 by 30 yrs out

Taxation est. · year 1

• Rental income: $29,021
• − Mortgage interest: −$15,404
• − Property taxes: −$1,829
• − Insurance: −$1,375
• − Repairs & maintenance: −$2,322
• − Management: −$2,322
• − Depreciation: −$8,000
• Taxable loss: −$2,231
• Est. tax savings @ 24.0%: +$535
• After-tax cash flow: $2,952/yr

For passive investors: Depreciation is non-cash, so a rental often shows a tax loss while cash-flowing — sheltering income. Rental losses are passive: they offset passive income freely, and up to $25,000/yr can offset ordinary (W-2) income if you actively participate and your MAGI is under $100k (phasing out to $0 by $150k); unused losses carry forward. On sale, claimed depreciation is recaptured at up to 25%, and gains may owe capital-gains tax (a 1031 exchange can defer both). Figures are a year-1 estimate at your 24.0% rate — not tax advice; consult a CPA.

Schools (NCES district)

• District: Carroll County Public Schools
• NCES district ID: 2400210
• Math proficiency: 32% ▼ -25.00%
• Reading proficiency: 47% ▼ -16.00%
• Median HH income: $84,594
• Composite: 37.33/100
• National rank: #4441
• State rank: #2 of 24 in MD

Livability — Westminster

• Score: 70/100
• State rank: #176
• US rank: #7864

Category grades

Amenities C- Commute F Cost of living C+ Crime C+ Employment B- Housing A+ Health & safety A+ User ratings D+

Schools grade is shown separately in the Schools card above.

Census & demographics

• County: Carroll County · 100,325 people
• City population: 61,067
• Metro: Baltimore-Columbia-Towson, MD
• Population (ZIP): 22,083
• Household income: $109,827
• Rent vs Own: 20.8% rent · 79.2% own
• Severe rent burden: 374.0

Population outlook (Carroll County) Hauer SSP2

• Today (2025): 169,677 people
• By 2030: 169,605 · +-0.0%
• By 2040: 166,205 · -2.0%
• By 2050: 158,312 · -6.7%
• By 2075: 143,013 · -15.7%
• By 2100: 122,431 · -27.8%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (85%)
• Race & ethnicity: White 85% Two or more races 5% Black 5% Hispanic / Latino 4% Asian 2%
• Common ancestry: Romanian 5% Slovak 3% Italian 2%
• Foreign-born: 4% · Canada, China, Vietnam
• Languages at home: 94% English-only · Spanish 2% Other Indo-European 2% French/Haitian/Cajun 1%

Political lean MEDSL · Carroll

• 2024 margin: Strong R (+24.9) · D 36.2% · R 61.2% · Other 2.6%
• 2008→2024 swing: +6.2pp toward D · 2008: -31.2pp · 2024: -24.9pp
• All cycles: 2024: R+24.9 2020: R+23.7 2016: R+36.9 2012: R+34.0 2008: R+31.2

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -189.59%
• Current HPI: 273.9044
• Rent YoY: —
• Metro: Baltimore-Columbia-Towson, MD
• State GDP YoY: ▲ 2.97%
• F500 in state: 12

Industry mix (Fortune 500 HQ in MD)

Industry	F500 HQs	Revenue
▸Aerospace / Defense	1	$71B
▸Utilities	1	$25B
▸Hotels	1	$24B
▸Consumer Goods	1	$7B
▸Real Estate	1	$6B
▸Chemicals	1	$2B

Price history

+136.0% since first listed

10 events — show timeline

• 2026-05-13 Price Changed $295,000 BRIGHT MLS
• 2026-05-06 Price Changed $299,995 BRIGHT MLS
• 2026-04-28 Price Changed $299,999 BRIGHT MLS
• 2026-04-13 Price Changed $335,000 BRIGHT MLS
• 2026-04-03 Price Changed $345,000 BRIGHT MLS
• 2026-03-09 Listed $350,000 BRIGHT MLS
• 2025-11-19 Listing Removed — BRIGHT MLS
• 2025-11-01 Listed $175,000 BRIGHT MLS
• 2025-10-28 Coming Soon — BRIGHT MLS
• 2025-09-30 Sold (Public Records) $125,000 Public Records

Property tax history

-0.3%/yr

Latest (2025): $1,829 · +5.2% YoY. Source: county tax records.