417 Rosecroft Ter · Baltimore, MD 21229

$146,000

4 bd · 1.5 ba · 1,752 sqft · Townhouse public records · 1 Days on market

Built 1924 3,485 sqft lot Est $210k · 31% under

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Why this score? — see what drove the B+ 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 +30.0/30.0
• ARV discount +15.0/15.0
• DSCR +10.0/10.0
• 1% rule +9.4/10.0
• Rent growth +3.8/5.0
• Livability +3.8/5.0
• Condition / age +2.5/5.0
• Schools +1.0/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

Welcome to 417 Rosecroft Terrace! This Beautiful spacious row house is on a quiet residential street with 1 Car Parking Pad in the back. With new floors and a fresh coat of paint, this home is move in ready. It has a Large Living and Dining room to allow for entertaining This home boasts 4 bedrooms upstairs with 1 updated bathroom. It has additional SPACE in the unfinished basement. Check the comps on the street. You could purchase this house and get instant equity. Contact me today to submit your offer! Close to shopping, recreation centers, and restaurants. Neighborhood highlights: - 5 minute drive to Wilkens Avenue (shopping center, hospital, restaurants) - 6 minute drive to Giant Food - 7 minute drive to Loudon Park - 3.5 miles from UMBC - 15 minute walk to UMBC shuttle (Paradise Route) - 5 minute Walk to CityLink Purple Line Bus

Key facts

• 2 parking spots
• Built 1924

Property features AI

Finance

• Other: Pets allowed with no pet restrictions

Exterior

• Parking: Two total parking spaces; Two off-street spaces
• Utilities: Public water; No septic system (public sewer); Natural gas heating and hot water
• Home design: Interior townhouse/rowhouse; Building not winterized; Below average condition; Fee simple ownership; Ground rent paid annually
• Construction: Brick construction; Flat roof; Concrete perimeter foundation; Above-grade finished living space per assessor
• Exterior features: Concrete driveway; On-street and off-street parking available; Not in a federal flood zone; Tidal water: none

Interior

• Bedrooms: Four bedrooms on the main level
• Bathrooms: One full bathroom on the main level
• Heating & cooling: Forced air heating; Natural gas hot water
• Interior features: Unfinished basement; Living area per assessor

What this means for you Summary

Snapshot

• This is a 4-bed/1.5-bath townhouse listed at $146k.

Deal economics

• At list price, monthly cash flow is $603 ($7k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $146k).
• Cap rate 11.2% vs local median 6.0% in Baltimore — 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 76/100 on livability (#90 in MD, #3,396 nationally) — a middle-class / working-renter tenant base. Strengths: amenities A+, commute A+, housing A+; Watch: schools D, crime F.
• Baltimore City Public Schools (urban): math 7% / reading 16% proficiency, ranked #24 of 24 in MD (top 100%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover; 79% free/reduced lunch — lower-income household profile, screen leases tightly.
• Market conditions: Rents rising fast (+5.4%/yr); 252 active listings in the ZIP; 34 comparable units currently listed for rent nearby; rentals at typical pace (median 24d on market — plan ~3-4 weeks tenant-placement turnaround); 1,273 units permitted in Baltimore city in 2024 (1,104 in 5+ unit buildings).
• This rent runs 42% of the median local income ($60k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $1k of loan paydown is wiped out by about $4k of value loss. Plan a longer hold.
• Baltimore County population projected to shrink 4% by 2050 — rents likely to lag national; underwrite the cash flow, not the appreciation.
• At projected returns (-3.0% appreciation + 5.4% rent growth), your $41k cash investment doubles in ~6 years — after that, you're playing with house money.

Negotiation context

• Only 1 days on market — expect competitive offers; lowballing is unlikely to land.
• 3 sale attempts since 7y ago; this cycle's ask has dropped $52k (26%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Risks & watch-outs

• Watch-outs: built in 1924 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: moderate wind risk, 24% chance of damaging wind over 30y; extreme-heat days projected 7→15/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $146,000

Questions for the listing agent

1. Built in 1924 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
2. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
3. Schools are D-rated, which usually means shorter tenancies and higher turnover. Who's the typical renter profile here, and what's been the actual vacancy rate?
4. Crime grade is F in this area — have there been break-ins, vandalism, or insurance claims at this property in the last 3 years? What carrier currently insures it and at what premium?
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: 1.44% ✓
• Cap rate: 11.25%
• Cash-on-cash: 17.70%
• DSCR: 1.79
• GRM: 5.8

CMA / ARV

• ARV (on-the-fly): $210,240
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
4231 Euclid Ave	0.30mi	3/1.0 (-1)	1,856 (+6%)	1mo	$90,100	$49	69
4404 Frederick Ave	0.38mi	4/2.0	1,880 (+7%)	5mo	$240,000	$128	64
428 S Augusta Ave	0.13mi	4/2.5	1,500 (-14%)	3mo	$249,900	$167	64
3804 Old Frederick Rd	0.36mi	5/2.5 (+1)	1,872 (+7%)	1mo	$250,000	$134	62
3356 Wilkens Ave	0.63mi	4/1.0	1,688 (-4%)	2mo	$96,000	$57	61
210 S Augusta Ave	0.27mi	3/2.0 (-1)	1,580 (-10%)	6mo	$170,000	$108	58
24 S Tremont Rd	0.72mi	4/2.0	1,800 (+3%)	5mo	$220,000	$122	55
46 Cobber Ln	0.59mi	3/2.5 (-1)	1,683 (-4%)	4mo	$245,000	$146	54
631 S Beechfield Ave S	0.72mi	3/1.5 (-1)	1,705 (-3%)	8mo	$185,000	$109	50
4626 Frederick Ave	0.58mi	3/2.0 (-1)	1,568 (-10%)	2mo	$165,000	$105	47
755 S Woodington Rd	0.58mi	4/1.5	1,542 (-12%)	7mo	$185,000	$120	47
123 S Monastery Ave	0.43mi	3/2.0 (-1)	1,512 (-14%)	6mo	$68,000	$45	46

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 · 5.38% rent growth · sell at horizon

5-year hold

• IRR: 11.9%
• Equity multiple: 1.49×
• Total profit: $19,969
• Equity at exit: $21,769

10-year hold

• IRR: 22.8%
• Equity multiple: 3.19×
• Total profit: $89,359
• Equity at exit: $12,623

Cash invested: $40,880 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

• Overall (CITY): 12 Strongly Tenant-Friendly
• State Maryland: 27 Tenant-Leaning · D+14
• County: — inherits STATE
• City Baltimore: 12 Strongly Tenant-Friendly · D+58

Just-cause for tenancies > 1 yr.

Methodology + full state rankings →

ZIP-level market 21229

• Rents YoY: 5.4%
• Active inventory: 252
• Price-to-rent: 5.8×

Monthly cashflow live

• Estimated rent: $2,108 high
• Mortgage (P&I): −$766
• Tax from tax record: −$236 /mo · $2,835/yr
• Insurance: −$61
• HOA: −$0
• Vacancy / Maint / Mgmt: −$443
• Net cashflow: $603

Break-even live

Break-even rent $1,345

Max offer price $146,000

Occupancy floor 66%

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: $36,500
• Closing costs: $4,380
• Reserves months: —
• Total cash needed: —

Rent comps 34 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
212 S Loudon Ave Baltimore, MD	3.0	1.5	1310	$1,550	$1.18	44d	1	0.29mi
117 Collins Ave Baltimore, MD	3.0	3.0	1617	$2,350	$1.45	44d	1	0.39mi
500 Lucia Ave Baltimore, MD	3.0	2.0	1472	$2,100	$1.43	16d	1	0.57mi
3336 W Caton Ave Baltimore, MD	3.0	2.0	1236	$1,625	$1.31	24d	1	0.68mi
19 S Tremont Rd Baltimore, MD	3.0	1.0	1350	$1,850	$1.37	44d	1	0.73mi
2 S Tremont Rd Baltimore, MD	3.0	2.0	1450	$1,800	$1.24	24d	1	0.77mi
2 S Tremont Rd Baltimore, MD	3.0	2.0	1450	$1,800	$1.24	11d	1	0.77mi
202 N Edgewood St Baltimore, MD	3.0	2.0	1710	$2,250	$1.32	24d	1	0.85mi
409 Normandy Ave Baltimore, MD	4.0	1.0	1640	$1,500	$0.91	24d	1	0.90mi
405 N Edgewood St Baltimore, MD	4.0	2.0	1408	$2,950	$2.10	4d	1	0.97mi
670 Queensgate Rd Baltimore, MD	3.0	2.0	1600	$2,100	$1.31	4d	1	0.99mi
3619 Edmondson Ave Baltimore, MD	4.0	3.5	1962	$2,800	$1.43	44d	1	1.04mi
3507 Edmondson Ave Baltimore, MD	4.0	2.0	1428	$2,300	$1.61	44d	1	1.07mi
623 N Grantley St Baltimore, MD	4.0	2.0	1250	$2,000	$1.60	24d	1	1.14mi
3324 Edmondson Ave Baltimore, MD	3.0	2.5	2300	$1,995	$0.87	22d	1	1.15mi
4020 Gelston Dr Baltimore, MD	3.0	2.0	1270	$1,875	$1.48	44d	1	1.16mi
3712 Gelston Dr Baltimore, MD	3.0	2.0	1250	$2,500	$2.00	24d	1	1.17mi
2737 Wilkens Ave Baltimore, MD	3.0	1.5	1232	$1,650	$1.34	4d	1	1.20mi
730 Linnard St Unit 1 Baltimore, MD	4.0	1.0	1360	$1,750	$1.29	24d	1	1.22mi
3700 Woodridge Rd Baltimore, MD	3.0	1.5	1955	$1,950	$1.00	44d	1	1.28mi
941 Brunswick St Baltimore, MD	3.0	1.5	1516	$1,650	$1.09	18d	1	1.31mi
941 Brunswick St Baltimore, MD	3.0	1.5	1558	$1,600	$1.03	44d	1	1.31mi
798 N Grantley St Baltimore, MD	3.0	2.0	1360	$2,295	$1.69	24d	1	1.33mi
4610 College Ave Baltimore, MD	4.0	2.0	1440	$2,200	$1.53	18d	1	1.34mi
4630 Warren Tree Way Baltimore, MD	3.0	1.5	1736	$2,500	$1.44	5d	1	1.38mi
2922 Edmondson Ave Baltimore, MD	3.0	2.0	1620	$1,900	$1.17	44d	1	1.39mi
715 N Rosedale St Baltimore, MD	5.0	3.0	1542	$2,550	$1.65	44d	1	1.41mi
21 Holland Hill Ct Catonsville, MD	4.0	1.5	1320	$2,200	$1.67	44d	1	1.42mi
2509 Christian St Baltimore, MD	4.0	2.0	1248	$1,699	$1.36	4d	1	1.44mi
2514 Wilkens Ave Baltimore, MD	4.0	1.0	1344	$1,800	$1.34	11d	1	1.46mi
2514 Wilkens Ave Baltimore, MD	4.0	1.0	1344	$1,800	$1.34	44d	1	1.46mi
24 Laurence Brooke Rd Catonsville, MD	4.0	3.5	1980	$2,800	$1.41	3d	1	1.47mi
24 Laurence Brooke Rd Catonsville, MD	4.0	3.0	1440	$2,800	$1.94	13d	1	1.47mi
4113 Mountwood Rd Baltimore, MD	3.0	1.0	1520	$1,795	$1.18	44d	1	1.50mi

Listing history 7 events

1. 2026-06-19
   statusdays on market $146,000 Active 1 DOM
2. 2026-06-18
   days on market $146,000 Coming Soon 10 DOM
3. 2026-06-17
   days on market $146,000 Coming Soon 9 DOM
4. 2026-06-16
   days on market $146,000 Coming Soon 8 DOM
5. 2026-06-15
   days on market $146,000 Coming Soon 7 DOM
6. 2026-06-13
   pricedays on market $146,000 Coming Soon 5 DOM
7. 2026-06-09
   listed $165,000 Coming Soon 1 DOM

ⓘ 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: $2,835 · $236/mo
• Projected year-2 tax: $2,835 · $236/mo
• Expected delta: $0/yr ($0/mo · 0.0%)

ⓘ 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 1/10 Low
• 🌡 Heat 7/10 Severe 7 d/yr ≥103°F today · 15 d/yr by 30 yrs out
• 💨 Wind 5/10 Major 24% chance of damaging wind over 30 yrs
• 🫁 Air quality 3/10 Moderate 3 unhealthy d/yr today · 4 by 30 yrs out

Taxation est. · year 1

• Rental income: $25,299
• − Mortgage interest: −$8,178
• − Property taxes: −$2,835
• − Insurance: −$730
• − Repairs & maintenance: −$2,024
• − Management: −$2,024
• − Depreciation: −$4,247
• Taxable income: $5,261
• Est. tax owed @ 24.0%: −$1,263
• After-tax cash flow: $5,971/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: Baltimore City Public Schools
• NCES district ID: 2400090
• Math proficiency: 7% ▼ -9.00%
• Reading proficiency: 16% ▼ -5.00%
• Median HH income: $42,108
• Composite: 10.08/100
• National rank: #9805
• State rank: #24 of 24 in MD

Livability — Baltimore

• Score: 76/100
• State rank: #90
• US rank: #3396

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Baltimore, MD
• County: Baltimore City · 558,601 people
• City population: 588,727
• Metro: Baltimore-Columbia-Towson, MD
• Population (ZIP): 46,679
• Household income: $60,047
• Rent vs Own: 43.1% rent · 56.9% own
• Severe rent burden: 2776.0

Population outlook (Baltimore County) Hauer SSP2

• Today (2025): 624,249 people
• By 2030: 621,541 · -0.4%
• By 2040: 609,756 · -2.3%
• By 2050: 597,249 · -4.3%
• By 2075: 552,236 · -11.5%
• By 2100: 513,934 · -17.7%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly Black (73%)
• Race & ethnicity: Black 73% White 15% Hispanic / Latino 6% Two or more races 4% Asian 3%
• Common ancestry: Lithuanian 1% Romanian 1% Serbian 1%
• Foreign-born: 5% · Canada, Philippines
• Languages at home: 91% English-only · Spanish 4% Other Indo-European 2% Other Asian/Pacific 1%

Political lean MEDSL · Baltimore

• 2024 margin: Solid D (+73.0) · D 85.2% · R 12.2% · Other 2.6%
• 2008→2024 swing: -2.5pp toward R · 2008: 75.5pp · 2024: 73.0pp
• All cycles: 2024: D+73.0 2020: D+76.6 2016: D+74.6 2012: D+76.4 2008: D+75.5

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -259.07%
• Current HPI: 226.896
• Rent YoY: ▲ 5.38%
• 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

+725.0% since first listed

14 events — show timeline

• 2026-06-09 Coming Soon $165,000 BRIGHT MLS
• 2025-01-03 Sold (MLS) $180,000 BRIGHT MLS
• 2024-11-06 Contingent — BRIGHT MLS
• 2024-10-15 Price Changed $180,000 BRIGHT MLS
• 2024-10-15 Relisted — BRIGHT MLS
• 2024-10-02 Listing Removed — BRIGHT MLS
• 2024-08-30 Price Changed $189,900 BRIGHT MLS
• 2024-07-09 Price Changed $192,500 BRIGHT MLS
• 2024-06-18 Listed $198,500 BRIGHT MLS
• 2019-11-21 Sold (Public Records) $70,000 Public Records
• 2019-09-11 Listing Removed — BRIGHT MLS
• 2019-08-27 Sold (MLS) $59,000 BRIGHT MLS
• 2019-03-13 Pending — BRIGHT MLS
• 2019-01-23 Listed $20,000 BRIGHT MLS

Property tax history

+2.7%/yr

Latest (2025): $2,835 · +11.4% YoY. Source: county tax records.