1101 Scott St · Baltimore, MD 21230

$125,000

1 bd · 1.0 ba · 1,024 sqft · Townhouse public records · 30 Days on market

Built 1900 871 sqft lot Est $228k · 45% 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 +29.4/30.0
• ARV discount +15.0/15.0
• DSCR +10.0/10.0
• 1% rule +9.0/10.0
• Livability +3.8/5.0
• Condition / age +2.5/5.0
• Rent growth +2.2/5.0
• Schools +1.0/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

The Columbia Bank acquired the property at a Sheriff's sale and has never occupied the property. All answers are provided in good faith but are made without warranty of any kind with respect to the property. The property is being sold as is, where is

Key facts

• Built 1900
• Listed 30 days

Property features AI

Finance

• Other: Total below-grade area 322; Above-grade finished area 1,024; Unfinished below-grade area 322; Accessibility features: Other
• Financial info: Fee simple ownership

Exterior

• Parking: On-street parking
• Utilities: Public water; Public sewer
• Home design: Interior townhouse/rowhouse
• Construction: Brick construction; Block foundation; Built-up roof
• Exterior features: No tidal water on property

Interior

• Bedrooms: One bedroom on the first upper level
• Bathrooms: One full bathroom
• Heating & cooling: 90% forced air heating (natural gas); Central air conditioning (natural gas)
• Interior features: Fully finished basement; Living area as recorded by assessor

What this means for you Summary

Snapshot

• This is a 1-bed/1.0-bath townhouse listed at $125k.

Deal economics

• At list price, monthly cash flow is $444 ($5k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $125k).
• Recommended offer: $123k (1.5% below list) — sets the bar for market timing.
• Cap rate 10.6% 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 soft (-1.0%/yr); 362 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals at typical pace (median 24d on market — plan ~3-4 weeks tenant-placement turnaround); solid renter incomes; 1,273 units permitted in Baltimore city in 2024 (1,104 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $864 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.

Negotiation context

• It's been on market 30 days — a 2% lower offer ($123k) is reasonable based on typical stale-listing flexibility.
• 9 sale attempts since 20y ago; this cycle's ask has dropped $15k (11%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Risks & watch-outs

• Watch-outs: built in 1900 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: major wind risk, 27% 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 $123,125 (1.5% below list)

Questions for the listing agent

1. Built in 1900 — 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: 1.40% ✓
• Cap rate: 10.56%
• Cash-on-cash: 15.23%
• DSCR: 1.68
• GRM: 5.9

CMA / ARV

• ARV (on-the-fly): $228,352
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
1125 Bayard St	0.46mi	1/2.0	1,032 (+1%)	0mo	$120,000	$116	73
703 Dover St	0.43mi	2/2.0 (+1)	1,008 (-2%)	1mo	$225,000	$223	68
1121 Cleveland St	0.18mi	2/1.0 (+1)	912 (-11%)	2mo	$109,900	$121	67
915 Washington Blvd	0.27mi	2/1.5 (+1)	1,142 (+12%)	2mo	$197,500	$173	59
1226 W Pratt St	0.64mi	2/1.5 (+1)	1,000 (-2%)	2mo	$80,000	$80	58
1145 W Cross St	0.21mi	2/1.5 (+1)	1,172 (+14%)	2mo	$121,900	$104	58
1133 Sargeant St	0.35mi	2/1.5 (+1)	912 (-11%)	2mo	$67,500	$74	57
538 Eislen St	0.38mi	2/1.0 (+1)	1,170 (+14%)	1mo	$345,000	$295	53
103 W Conway St Unit R 52	0.70mi	2/2.0 (+1)	975 (-5%)	1mo	$267,000	$274	49
138 W Barre St Unit R 31	0.66mi	2/2.0 (+1)	960 (-6%)	1mo	$270,000	$281	49
122 Burnett St	0.73mi	2/2.5 (+1)	984 (-4%)	1mo	$310,000	$315	47
421 S Sharp St S Unit R 11	0.67mi	2/2.0 (+1)	898 (-12%)	2mo	$220,000	$245	38

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 · 0.0% rent growth · sell at horizon

5-year hold

• IRR: 2.3%
• Equity multiple: 1.08×
• Total profit: $2,971
• Equity at exit: $18,638

10-year hold

• IRR: 8.5%
• Equity multiple: 1.56×
• Total profit: $19,469
• Equity at exit: $10,808

Cash invested: $35,000 (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 21230

• Rents YoY: -1.0%
• Active inventory: 362
• Price-to-rent: 5.9×

Monthly cashflow live

• Estimated rent: $1,752 high
• Mortgage (P&I): −$656
• Tax from tax record: −$232 /mo · $2,786/yr
• Insurance: −$52
• HOA: −$0
• Vacancy / Maint / Mgmt: −$368
• Net cashflow: $444

Break-even live

Break-even rent $1,190

Max offer price $125,000

Occupancy floor 70%

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: $31,250
• Closing costs: $3,750
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
1108 Sterrett St Baltimore, MD	2.0	1.0	1400	$2,300	$1.64	23d	1	0.05mi
519 Scott St Unit 1 Baltimore, MD	2.0	2.0	800	$2,000	$2.50	43d	1	0.17mi
1132 Nanticoke St Baltimore, MD	2.0	2.5	1500	$1,875	$1.25	23d	1	0.17mi
805 Washington Blvd Unit B Baltimore, MD	2.0	2.0	1106	$1,650	$1.49	20d	1	0.21mi
805 Washington Blvd Unit A Baltimore, MD	2.0	2.0	1050	$1,650	$1.57	43d	1	0.21mi
853 Reinhart St Baltimore, MD	2.0	2.5	780	$1,800	$2.31	43d	1	0.21mi
776 Washington Blvd Unit 3F Baltimore, MD	1.0	1.0	800	$1,000	$1.25	43d	1	0.21mi
1205 Cleveland St Baltimore, MD	2.0	2.0	1232	$1,900	$1.54	43d	1	0.25mi
1163 Washington Blvd Baltimore, MD	2.0	2.5	1012	$1,700	$1.68	12d	1	0.32mi
1160 Washington Blvd Baltimore, MD	2.0	1.0	960	$1,575	$1.64	23d	1	0.34mi
1127 Sargeant St Baltimore, MD	2.0	1.5	1080	$1,275	$1.18	23d	1	0.35mi
847 McHenry St Baltimore, MD	2.0	2.0	952	$1,795	$1.89	4d	1	0.37mi
656 Portland St Baltimore, MD	2.0	1.5	1300	$1,950	$1.50	43d	1	0.39mi
1253 Sargeant St Baltimore, MD	2.0	1.5	1200	$1,695	$1.41	23d	1	0.40mi
657 Dover St Baltimore, MD	1.0	2.0	1080	$1,400	$1.30	12d	1	0.41mi
653 Dover St Baltimore, MD	1.0	1.5	936	$1,500	$1.60	20d	1	0.41mi
1215 James St Baltimore, MD	2.0	1.0	960	$1,500	$1.56	43d	1	0.41mi
725 W Pratt St Baltimore, MD	1.0	1.0	584	$1,925	$3.29	10d	9	0.42mi
1101 S Carey St Baltimore, MD	2.0	2.0	1400	$1,200	$0.86	21d	1	0.45mi
1303 James St Baltimore, MD	2.0	1.5	1160	$1,350	$1.16	23d	1	0.46mi
1432 Carroll St Baltimore, MD	2.0	1.5	912	$1,900	$2.08	43d	1	0.47mi
1262 Glyndon Ave Baltimore, MD	2.0	3.0	1258	$1,850	$1.47	23d	1	0.48mi
519 W Pratt St Baltimore, MD	1.0	1.0	576	$1,400	$2.43	2d	2	0.49mi
869 Hollins St Unit 3F Baltimore, MD	—	1.0	700	$949	$1.36	12d	1	0.56mi
410 W Lombard St Baltimore, MD	1.0	1.0	611	$1,995	$3.26	1d	4	0.62mi
123 W Barre St #112 Baltimore, MD	2.0	1.5	975	$2,200	$2.26	43d	1	0.63mi
101 W Cross St Baltimore, MD	2.0	1.0–2.0	937	$2,566	$2.74	1d	23	0.65mi
305 S Calhoun St Baltimore, MD	2.0	1.0	1000	$1,300	$1.30	21d	1	0.67mi
300 W Lombard St Baltimore, MD	2.0	1.0–2.0	686	$1,565	$2.28	2d	7	0.70mi
1021 S Hanover St Baltimore, MD	2.0	2.5	1300	$2,800	$2.15	23d	1	0.70mi
11 S Eutaw St Baltimore, MD	1.0–2.0	1.0–2.0	1023	$1,781	$1.74	1d	11	0.71mi
910 S Charles St Unit B Baltimore, MD	2.0	1.0	700	$1,700	$2.43	17d	1	0.72mi
126 Burnett St Baltimore, MD	2.0	2.5	984	$2,200	$2.24	23d	1	0.72mi
3 Andrew Pl Unit R98 Baltimore, MD	2.0	2.0	975	$2,100	$2.15	12d	1	0.72mi
611 S Charles St Baltimore, MD	2.0	1.0–2.0	823	$2,468	$3.00	1d	8	0.73mi
1 S Eutaw St Unit 2BR Baltimore, MD	2.0	2.0	1165	$1,580	$1.36	21d	1	0.74mi
300 W Redwood St Baltimore, MD	1.0	1.0	565	$2,400	$4.25	17d	1	0.74mi
1324 W Lombard St Unit 1 Baltimore, MD	2.0	2.0	1100	$1,500	$1.36	23d	1	0.75mi
1324 W Lombard St Unit 2 Baltimore, MD	2.0	1.5	1100	$1,450	$1.32	43d	1	0.75mi
10 E Lee St Baltimore, MD	2.0	2.0	1487	$2,825	$1.90	12d	1	0.75mi

Listing history 36 events

1. 2026-06-18
   days on market $125,000 Active 30 DOM
2. 2026-06-17
   days on market $125,000 Active 29 DOM
3. 2026-06-16
   days on market $125,000 Active 28 DOM
4. 2026-06-15
   days on market $125,000 Active 27 DOM
5. 2026-06-13
   pricedays on market $125,000 Active 25 DOM
6. 2026-06-09
   days on market $135,000 Active 21 DOM
7. 2026-06-08
   days on market $135,000 Active 20 DOM
8. 2026-06-07
   days on market $135,000 Active 19 DOM
9. 2026-06-04
   days on market $135,000 Active 16 DOM
10. 2026-06-03
    days on market $135,000 Active 15 DOM
11. 2026-06-02
    days on market $135,000 Active 14 DOM
12. 2026-06-01
    days on market $135,000 Active 13 DOM
13. 2026-05-31
    days on market $135,000 Active 12 DOM
14. 2026-05-22
    price $135,000
15. 2026-05-19
    listed $140,000 Active
16. 2018-03-01
    soldstatus $4,552,396
17. 2011-05-13
    soldstatus $53,000 250-char remark

    Show marketing remark (250 chars)

    The Columbia Bank acquired the property at a Sheriff's sale and has never occupied the property. All answers are provided in good faith but are made without warranty of any kind with respect to the property. The property is being sold as is, where is

18. 2011-05-13
    soldstatus $53,000 Sold 250-char remark

    Show marketing remark (250 chars)

    The Columbia Bank acquired the property at a Sheriff's sale and has never occupied the property. All answers are provided in good faith but are made without warranty of any kind with respect to the property. The property is being sold as is, where is

19. 2011-05-03
    status Contingent (No Kick Out) 250-char remark

    Show marketing remark (250 chars)

    The Columbia Bank acquired the property at a Sheriff's sale and has never occupied the property. All answers are provided in good faith but are made without warranty of any kind with respect to the property. The property is being sold as is, where is

20. 2011-05-03
    historical 250-char remark

    Show marketing remark (250 chars)

    The Columbia Bank acquired the property at a Sheriff's sale and has never occupied the property. All answers are provided in good faith but are made without warranty of any kind with respect to the property. The property is being sold as is, where is

21. 2011-04-06
    price $69,900 250-char remark

    Show marketing remark (250 chars)

    The Columbia Bank acquired the property at a Sheriff's sale and has never occupied the property. All answers are provided in good faith but are made without warranty of any kind with respect to the property. The property is being sold as is, where is

22. 2011-01-04
    status Active 250-char remark

    Show marketing remark (250 chars)

    The Columbia Bank acquired the property at a Sheriff's sale and has never occupied the property. All answers are provided in good faith but are made without warranty of any kind with respect to the property. The property is being sold as is, where is

23. 2011-01-01
    historical Expired 250-char remark

    Show marketing remark (250 chars)

    The Columbia Bank acquired the property at a Sheriff's sale and has never occupied the property. All answers are provided in good faith but are made without warranty of any kind with respect to the property. The property is being sold as is, where is

24. 2010-09-21
    listed $85,000 Active 250-char remark

    Show marketing remark (250 chars)

    The Columbia Bank acquired the property at a Sheriff's sale and has never occupied the property. All answers are provided in good faith but are made without warranty of any kind with respect to the property. The property is being sold as is, where is

25. 2010-09-21
    listed $69,900 250-char remark

    Show marketing remark (250 chars)

    The Columbia Bank acquired the property at a Sheriff's sale and has never occupied the property. All answers are provided in good faith but are made without warranty of any kind with respect to the property. The property is being sold as is, where is

26. 2009-05-11
    historical
27. 2009-05-11
    historical
28. 2008-12-15
    listed
29. 2008-12-15
    listed $179,900
30. 2008-09-15
    historical
31. 2008-03-14
    listed
32. 2007-09-01
    historical
33. 2007-03-19
    listed
34. 2006-04-15
    historical
35. 2006-03-15
    listed
36. 1997-02-20
    soldstatus $33,500

ⓘ 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: $2,786 · $232/mo
• Projected year-2 tax: $2,786 · $232/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 8/10 Severe 7 d/yr ≥103°F today · 15 d/yr by 30 yrs out
• 💨 Wind 6/10 Major 27% chance of damaging wind over 30 yrs
• 🫁 Air quality 4/10 Moderate 6 unhealthy d/yr today · 7 by 30 yrs out

Taxation est. · year 1

• Rental income: $21,022
• − Mortgage interest: −$7,002
• − Property taxes: −$2,786
• − Insurance: −$625
• − Repairs & maintenance: −$1,682
• − Management: −$1,682
• − Depreciation: −$3,636
• Taxable income: $3,609
• Est. tax owed @ 24.0%: −$866
• After-tax cash flow: $4,464/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): 32,977
• Household income: $91,842
• Rent vs Own: 49.3% rent · 50.7% own
• Severe rent burden: 1463.0

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: Diverse neighborhood (Simpson 0.63)
• Race & ethnicity: White 55% Black 23% Hispanic / Latino 13% Two or more races 6% Asian 4%
• Hispanic origin (detail): Mexican 1% Puerto Rican 1%
• Common ancestry: Romanian 5% Lithuanian 2% Italian 2%
• Foreign-born: 10% · Canada, China
• Languages at home: 85% English-only · Spanish 9% Other Indo-European 1% 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: ▼ -311.43%
• Current HPI: 284.338
• Rent YoY: ▼ -1.00%
• 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

+303.0% since first listed

23 events — show timeline

• 2026-05-22 Price Changed $135,000 BRIGHT MLS
• 2026-05-19 Listed $140,000 BRIGHT MLS
• 2018-03-01 Sold (Public Records) $4,552,396 Public Records
• 2011-05-13 Sold (MLS) $53,000 MRIS
• 2011-05-13 Sold (MLS) $53,000 BRIGHT MLS
• 2011-05-03 Pending — MRIS
• 2011-05-03 Listing Removed — BRIGHT MLS
• 2011-04-06 Price Changed $69,900 MRIS
• 2011-01-04 Relisted — MRIS
• 2011-01-01 Delisted — MRIS
• 2010-09-21 Listed $85,000 MRIS
• 2010-09-21 Listed $69,900 BRIGHT MLS
• 2009-05-11 Delisted — MRIS
• 2009-05-11 Listing Removed — BRIGHT MLS
• 2008-12-15 Listed — MRIS
• 2008-12-15 Listed $179,900 BRIGHT MLS
• 2008-09-15 Delisted — MRIS
• 2008-03-14 Listed — MRIS
• 2007-09-01 Delisted — MRIS
• 2007-03-19 Listed — MRIS
• 2006-04-15 Delisted — MRIS
• 2006-03-15 Listed — MRIS
• 1997-02-20 Sold (Public Records) $33,500 Public Records

Property tax history

+3.1%/yr

Latest (2025): $2,786 · +4.7% YoY. Source: county tax records.