4343 Roberton Ave · Baltimore, MD 21206

$170,000

3 bd · 1.0 ba · 1,046 sqft · Townhouse public records · 131 Days on market

Built 1956 $163/sqft · at area comps Est $164k · at est. ↓ 17% since listing

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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 +22.8/30.0
• DSCR +7.3/10.0
• 1% rule +6.0/10.0
• ARV discount +5.8/15.0
• Livability +3.8/5.0
• Rent growth +3.6/5.0
• Condition / age +2.5/5.0
• Schools +1.0/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

Welcome to 4343 Roberton Ave — a fully renovated 3-bed, 1.5-bath Baltimore home perfect for first-time buyers seeking style, comfort, and value. Freshly updated throughout, this home features bright living spaces, upgraded finishes, and a surprisingly functional lower-level kitchen that maximizes the main floor’s open feel while offering an efficient cooking and entertaining setup. With modern touches, a finished basement bonus area, and close proximity to city amenities, parks, schools, and commuter routes, this move-in-ready property delivers convenience, practicality, and affordability for your next chapter in homeownership.

Key facts

• Built 1956
• Listed 131 days

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath townhouse listed at $170k.

Deal economics

• At list price, monthly cash flow is $296 ($4k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $170k).
• Recommended offer: $150k (12.0% below list) — sets the bar for market timing.
• Cap rate 8.4% 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 (+4.4%/yr); 173 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); 40% of comp listings sitting > 30 days — soft ceiling on asking rent; 1,273 units permitted in Baltimore city in 2024 (1,104 in 5+ unit buildings).
• This rent runs 35% of the median local income ($65k/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 $5k 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 131 days — a 12% lower offer ($150k) is reasonable based on typical stale-listing flexibility.
• 2 sale attempts; this cycle's ask has dropped $35k (17%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Risks & watch-outs

• Watch-outs: built in 1956 — 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 $149,600 (12.0% below list)

Questions for the listing agent

1. It's been on market 131 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 1956 — 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. 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?
6. 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?
7. 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.
8. 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.
9. 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: 1.10% ✓
• Cap rate: 8.38%
• Cash-on-cash: 7.47%
• DSCR: 1.33
• GRM: 7.6

CMA / ARV

• ARV (median comp): $163,879
• List price: $170,000
• Delta: 3.74%
• Verdict: FAIR
• Comps: 20 within 1.0 mi

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
4726 Chatford Ave	0.07mi	2/2.0 (-1)	1,120 (+7%)	2mo	$164,000	$146	74
3514 Dudley Ave	0.46mi	3/1.0	1,080 (+3%)	3mo	$110,000	$102	71
4603 Chatford Ave	0.15mi	3/1.5	1,170 (+12%)	1mo	$205,000	$175	71
4218 Seidel Ave	0.47mi	3/1.0	1,008 (-4%)	2mo	$144,900	$144	70
4116 Raymonn Ave	0.57mi	3/1.5	1,096 (+5%)	3mo	$148,000	$135	61
4128 Balfern Ave	0.65mi	3/1.5	1,008 (-4%)	2mo	$177,000	$176	60
3131 Chesterfield Ave	0.69mi	2/1.0 (-1)	1,068 (+2%)	1mo	$75,000	$70	58
3912 Kenyon Ave	0.65mi	3/1.5	1,001 (-4%)	3mo	$120,000	$120	58
4000 Balfern Ave	0.59mi	3/1.5	1,120 (+7%)	1mo	$157,000	$140	58
4102 Dudley Ave	0.67mi	3/1.5	1,120 (+7%)	2mo	$165,000	$147	54
3532 Cliftmont Ave	0.63mi	3/2.0	1,200 (+15%)	2mo	$168,000	$140	40
3838 Lyndale Ave	0.73mi	2/2.0 (-1)	1,190 (+14%)	2mo	$113,500	$95	33

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 · 4.43% rent growth · sell at horizon

5-year hold

• IRR: -3.3%
• Equity multiple: 0.88×
• Total profit: $-5,904
• Equity at exit: $25,348

10-year hold

• IRR: 8.0%
• Equity multiple: 1.65×
• Total profit: $30,867
• Equity at exit: $14,698

Cash invested: $47,600 (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 21206

• Rents YoY: 4.4%
• Active inventory: 173
• Price-to-rent: 7.6×

Monthly cashflow live

• Estimated rent: $1,876 high
• Mortgage (P&I): −$891
• Tax from tax record: −$223 /mo · $2,681/yr
• Insurance: −$71
• HOA: −$0
• Vacancy / Maint / Mgmt: −$394
• Net cashflow: $296

Break-even live

Break-even rent $1,501

Max offer price $170,000

Occupancy floor 79%

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: $42,500
• Closing costs: $5,100
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
4901 Gunther Ave Baltimore, MD	1.0–3.0	1.0–2.0	742	$1,463	$1.97	2d	1	0.25mi
4409 Moravia Rd Baltimore, MD	2.0	1.0	861	$1,385	$1.61	44d	3	0.26mi
5305 Moravia Rd Baltimore, MD	3.0	1.0	679	$1,993	$2.93	2d	1	0.36mi
4517 Woodlea Ave Baltimore, MD	2.0	2.0	1326	$1,900	$1.43	3d	1	0.41mi
3551 Shannon Dr Baltimore, MD	3.0	2.0	1485	$2,358	$1.59	24d	1	0.42mi
4320 Sheldon Ave Baltimore, MD	3.0	1.5	1280	$1,800	$1.41	24d	1	0.42mi
3573 Shannon Dr Baltimore, MD	4.0	2.0	1493	$2,300	$1.54	18d	1	0.43mi
3566 Dudley Ave Baltimore, MD	2.0	1.0	896	$1,800	$2.01	24d	1	0.46mi
4400 Asbury Ave Baltimore, MD	3.0	2.0	1270	$1,995	$1.57	4d	1	0.50mi
4022 Ardley Ave Baltimore, MD	2.0	1.0	896	$1,750	$1.95	44d	1	0.50mi
3305 Dudley Ave Baltimore, MD	3.0	2.0	1413	$1,950	$1.38	44d	1	0.56mi
4116 Raymonn Ave Baltimore, MD	3.0	1.5	1244	$1,950	$1.57	44d	1	0.57mi
3544 Chesterfield Ave Baltimore, MD	3.0	1.5	1200	$1,635	$1.36	44d	1	0.58mi
5731 Denwood Ave Baltimore, MD	3.0	1.5	1440	$1,700	$1.18	24d	1	0.61mi
5731 Denwood Ave Baltimore, MD	3.0	1.5	1152	$1,700	$1.48	22d	1	0.61mi
4024 Eierman Ave Baltimore, MD	3.0	2.0	1136	$1,825	$1.61	44d	1	0.68mi
3028 Kenyon Ave Baltimore, MD	2.0	2.0	1075	$1,395	$1.30	44d	1	0.70mi
4104 Parkwood Ave Baltimore, MD	3.0	1.0	1224	$2,800	$2.29	24d	1	0.77mi
4924 Frankford Ave Baltimore, MD	4.0	2.0	1176	$2,600	$2.21	24d	1	0.77mi
6004 Amberwood Rd Baltimore, MD	2.0	1.0	751	$1,220	$1.62	20d	1	0.83mi
4023 Belwood Ave Baltimore, MD	3.0	1.0	1080	$1,995	$1.85	44d	1	0.84mi
2848 Pelham Ave Baltimore, MD	3.0	2.0	1164	$1,700	$1.46	44d	1	0.86mi
3646 Lyndale Ave Baltimore, MD	2.0	1.5	840	$1,475	$1.76	44d	1	0.87mi
4300 Orchard Ridge Blvd Baltimore, MD	1.0–3.0	1.0–2.0	1021	$1,809	$1.77	44d	1	0.88mi
2837 Pelham Ave Baltimore, MD	4.0	2.0	1164	$1,675	$1.44	44d	1	0.89mi
4007 Biddison Ln Apt 1 Baltimore, MD	2.0	1.0	1000	$1,279	$1.28	18d	1	0.89mi
3610 Elmley Ave Baltimore, MD	2.0	1.5	1200	$1,550	$1.29	20d	1	0.90mi
2817 Pelham Ave Baltimore, MD	3.0	2.0	1464	$1,950	$1.33	24d	1	0.91mi
5313 Todd Ave Baltimore, MD	3.0	1.5	1280	$1,800	$1.41	16d	1	0.92mi
2828 Lake Ave Baltimore, MD	3.0	2.0	1164	$1,850	$1.59	4d	1	0.98mi
3902 Erdman Ave Unit 1 Baltimore, MD	2.0	1.0	1000	$1,275	$1.27	24d	1	0.99mi
3914 Erdman Ave #1 Baltimore, MD	3.0	1.0	1200	$1,319	$1.10	18d	1	1.00mi
3515 Parklawn Ave Baltimore, MD	3.0	2.0	1240	$1,700	$1.37	3d	1	1.01mi
3436 Cardenas Ave Baltimore, MD	2.0	1.0	1146	$1,395	$1.22	44d	1	1.03mi
5611 Force Rd Baltimore, MD	3.0	1.5	1296	$1,850	$1.43	44d	1	1.04mi
3802 Biddison Ln Baltimore, MD	4.0	1.5	1443	$2,024	$1.40	11d	1	1.08mi
3512 Elmora Ave Baltimore, MD	3.0	1.5	1472	$1,900	$1.29	20d	1	1.10mi
5424 Belle Vista Ave Baltimore, MD	2.0	1.0	932	$1,300	$1.39	44d	1	1.20mi
5253 Cedgate Rd Unit 1 Baltimore, MD	3.0	1.5	1152	$2,200	$1.91	44d	1	1.20mi
5632 Belair Rd Baltimore, MD	3.0	1.5	1260	$2,100	$1.67	24d	1	1.25mi

Listing history 8 events

1. 2026-05-12
   status Pending 647-char remark

   Show marketing remark (647 chars)

   Welcome to 4343 Roberton Ave — a fully renovated 3-bed, 1.5-bath Baltimore home perfect for first-time buyers seeking style, comfort, and value. Freshly updated throughout, this home features bright living spaces, upgraded finishes, and a surprisingly functional lower-level kitchen that maximizes the main floor’s open feel while offering an efficient cooking and entertaining setup. With modern touches, a finished basement bonus area, and close proximity to city amenities, parks, schools, and commuter routes, this move-in-ready property delivers convenience, practicality, and affordability for your next chapter in homeownership.

2. 2026-04-21
   price $170,000 647-char remark

   Show marketing remark (647 chars)

   Welcome to 4343 Roberton Ave — a fully renovated 3-bed, 1.5-bath Baltimore home perfect for first-time buyers seeking style, comfort, and value. Freshly updated throughout, this home features bright living spaces, upgraded finishes, and a surprisingly functional lower-level kitchen that maximizes the main floor’s open feel while offering an efficient cooking and entertaining setup. With modern touches, a finished basement bonus area, and close proximity to city amenities, parks, schools, and commuter routes, this move-in-ready property delivers convenience, practicality, and affordability for your next chapter in homeownership.

3. 2026-04-21
   status Active 647-char remark

   Show marketing remark (647 chars)

   Welcome to 4343 Roberton Ave — a fully renovated 3-bed, 1.5-bath Baltimore home perfect for first-time buyers seeking style, comfort, and value. Freshly updated throughout, this home features bright living spaces, upgraded finishes, and a surprisingly functional lower-level kitchen that maximizes the main floor’s open feel while offering an efficient cooking and entertaining setup. With modern touches, a finished basement bonus area, and close proximity to city amenities, parks, schools, and commuter routes, this move-in-ready property delivers convenience, practicality, and affordability for your next chapter in homeownership.

4. 2026-04-02
   historical 647-char remark

   Show marketing remark (647 chars)

   Welcome to 4343 Roberton Ave — a fully renovated 3-bed, 1.5-bath Baltimore home perfect for first-time buyers seeking style, comfort, and value. Freshly updated throughout, this home features bright living spaces, upgraded finishes, and a surprisingly functional lower-level kitchen that maximizes the main floor’s open feel while offering an efficient cooking and entertaining setup. With modern touches, a finished basement bonus area, and close proximity to city amenities, parks, schools, and commuter routes, this move-in-ready property delivers convenience, practicality, and affordability for your next chapter in homeownership.

5. 2026-03-08
   price $189,000 647-char remark

   Show marketing remark (647 chars)

   Welcome to 4343 Roberton Ave — a fully renovated 3-bed, 1.5-bath Baltimore home perfect for first-time buyers seeking style, comfort, and value. Freshly updated throughout, this home features bright living spaces, upgraded finishes, and a surprisingly functional lower-level kitchen that maximizes the main floor’s open feel while offering an efficient cooking and entertaining setup. With modern touches, a finished basement bonus area, and close proximity to city amenities, parks, schools, and commuter routes, this move-in-ready property delivers convenience, practicality, and affordability for your next chapter in homeownership.

6. 2025-12-19
   price $190,000 647-char remark

   Show marketing remark (647 chars)

   Welcome to 4343 Roberton Ave — a fully renovated 3-bed, 1.5-bath Baltimore home perfect for first-time buyers seeking style, comfort, and value. Freshly updated throughout, this home features bright living spaces, upgraded finishes, and a surprisingly functional lower-level kitchen that maximizes the main floor’s open feel while offering an efficient cooking and entertaining setup. With modern touches, a finished basement bonus area, and close proximity to city amenities, parks, schools, and commuter routes, this move-in-ready property delivers convenience, practicality, and affordability for your next chapter in homeownership.

7. 2025-12-13
   listed $205,000 Active 647-char remark

   Show marketing remark (647 chars)

   Welcome to 4343 Roberton Ave — a fully renovated 3-bed, 1.5-bath Baltimore home perfect for first-time buyers seeking style, comfort, and value. Freshly updated throughout, this home features bright living spaces, upgraded finishes, and a surprisingly functional lower-level kitchen that maximizes the main floor’s open feel while offering an efficient cooking and entertaining setup. With modern touches, a finished basement bonus area, and close proximity to city amenities, parks, schools, and commuter routes, this move-in-ready property delivers convenience, practicality, and affordability for your next chapter in homeownership.

8. 2025-12-10
   historical $205,000 647-char remark

   Show marketing remark (647 chars)

   Welcome to 4343 Roberton Ave — a fully renovated 3-bed, 1.5-bath Baltimore home perfect for first-time buyers seeking style, comfort, and value. Freshly updated throughout, this home features bright living spaces, upgraded finishes, and a surprisingly functional lower-level kitchen that maximizes the main floor’s open feel while offering an efficient cooking and entertaining setup. With modern touches, a finished basement bonus area, and close proximity to city amenities, parks, schools, and commuter routes, this move-in-ready property delivers convenience, practicality, and affordability for your next chapter in homeownership.

ⓘ 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: $2,681 · $223/mo
• Projected year-2 tax: $2,681 · $223/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 4/10 Moderate FEMA zone X (unshaded) · 24% 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 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: $22,512
• − Mortgage interest: −$9,523
• − Property taxes: −$2,681
• − Insurance: −$850
• − Repairs & maintenance: −$1,801
• − Management: −$1,801
• − Depreciation: −$4,945
• Taxable income: $911
• Est. tax owed @ 24.0%: −$219
• After-tax cash flow: $3,337/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): 48,902
• Household income: $64,531
• Rent vs Own: 46.8% rent · 53.2% own
• Severe rent burden: 2317.0

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 20% Two or more races 3% Hispanic / Latino 3% Asian 2%
• Common ancestry: Romanian 3% Ukrainian 1%
• Foreign-born: 8% · Canada
• Languages at home: 92% English-only · Spanish 2% Arabic 2% Other Indo-European 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: ▼ -191.83%
• Current HPI: 284.5645
• Rent YoY: ▲ 4.43%
• 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

-17.1% since first listed

8 events — show timeline

• 2026-05-12 Pending — BRIGHT MLS
• 2026-04-21 Price Changed $170,000 BRIGHT MLS
• 2026-04-21 Relisted — BRIGHT MLS
• 2026-04-02 Listing Removed — BRIGHT MLS
• 2026-03-08 Price Changed $189,000 BRIGHT MLS
• 2025-12-19 Price Changed $190,000 BRIGHT MLS
• 2025-12-13 Listed $205,000 BRIGHT MLS
• 2025-12-10 Coming Soon $205,000 BRIGHT MLS

Property tax history

+0.7%/yr

Latest (2025): $2,681 · +5.6% YoY. Source: county tax records.