5703 Tobery Rd · Bartonsville, MD 21704

$295,000

5 bd · 1.0 ba · 1,746 sqft · SingleFamily public records · 7 Days on market

Built 1945 1.38 ac lot $169/sqft · 32% below area Est $556k · 47% under ↓ 8% 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 +22.5/30.0
• ARV discount +15.0/15.0
• DSCR +7.2/10.0
• 1% rule +5.6/10.0
• Schools +3.4/10.0
• Rent growth +3.1/5.0
• Livability +3.1/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Single family home with 1746 SF on the main level, on 1.38 acres. NO city tax, private location, fast and easy access to 70/270/15. Main level has a spacious living room freshly painted, eat-in kitchen, 3-4 BR and a full bath. The rear part of the house was used as an in-law suite so there is a second kitchen, and it’s is open to the main part of the house. If you don’t need 2 kitchens, lose one and have a huge family room with a fireplace. (Wood stove will be removed if desired. ) MANY possibilities here. The walkout basement needs a * total * re-do, has a 2nd full bath and a kitchenette. Beautiful view from the back of the house of the yard and the trees and woods beyond. TONS of parking, double detached garage with a recently added on storage shed/workroom. * * * ROOF is 3 years old, WATER HEATER is new (2025), WELL PUMP is 2 years old and has a lifetime warranty, SEPTIC was pumped and inspected in 2024. * * * This home is a diamond in the rough, needs a good bit of work and updating, but ready to roll - just move right in and make it your own. Won't go FHA or VA. Sold as-is. Your chance to get a single family home on land for less than the price of a townhomeo. BRING OFFERS.

Key facts

• 1.38 acre lot
• 2 garage spots
• Built 1945

What this means for you Summary

Snapshot

• This is a 5-bed/1.0-bath single-family listed at $295k.

Deal economics

• At list price, monthly cash flow is $499 ($6k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($3k rent vs $295k).

Location & tenants

• Location reads 61/100 on livability (#335 in MD) — a middle-class / working-renter tenant base. Strengths: crime A+, employment A+, housing A+; Watch: amenities F, commute F, cost of living F.
• Frederick County Public Schools (other): math 27% / reading 43% proficiency, ranked #4 of 24 in MD (top 17%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Zoned schools: Oakdale Elementary (math 39% / reading 43%, grade F, #92 of 860 statewide, top 11%, 1,028 students, 16% FRL); Oakdale Middle (math 24% / reading 58%, grade F, #20 of 225 statewide, top 10%, 1,057 students, 11% FRL); Oakdale High (math 77% / reading 87%, grade A, #15 of 222 statewide, top 6%, 1,622 students, 14% FRL).
• Zoned-school proficiency averages 55% at this address vs 35% district-wide (+20 pts) — the actual schools serving this property are materially stronger than the Frederick County Public Schools average implies; a family-tenant draw the district grade alone would hide.
• Market conditions: Rents rising (+2.5%/yr); 86 active listings in the ZIP; high-income renter base; 1,562 units permitted in Frederick County in 2024 (374 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 $9k of value loss. Plan a longer hold.
• Frederick County population projected at +15% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.

Negotiation context

• Only 7 days on market — expect competitive offers; lowballing is unlikely to land.

Risks & watch-outs

• Watch-outs: built in 1945 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: extreme-heat days projected 7→16/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $295,000

Questions for the listing agent

1. Built in 1945 — 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 F-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. 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.
5. 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.
6. 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: 1.06% ✓
• Cap rate: 8.32%
• Cash-on-cash: 7.25%
• DSCR: 1.32
• GRM: 7.8

CMA / ARV

• ARV (median comp): $555,607
• List price: $295,000
• Delta: -46.90%
• 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
5718 Mains Ln	0.74mi	4/2.5 (-1)	1,686 (-3%)	10mo	$495,000	$294	41

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 · 2.48% rent growth · sell at horizon

5-year hold

• IRR: -5.8%
• Equity multiple: 0.79×
• Total profit: $-17,639
• Equity at exit: $43,985

10-year hold

• IRR: 3.3%
• Equity multiple: 1.23×
• Total profit: $18,983
• Equity at exit: $25,506

Cash invested: $82,600 (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 21704

• Home prices YoY: -22.9%
• Rents YoY: 2.5%
• Active inventory: 86
• Price-to-rent: 7.8×

Monthly cashflow live

• Estimated rent: $3,133 medium
• Mortgage (P&I): −$1,547
• Tax from tax record: −$306 /mo · $3,668/yr
• Insurance: −$123
• HOA: −$0
• Vacancy / Maint / Mgmt: −$658
• Net cashflow: $499

Break-even live

Break-even rent $2,501

Max offer price $295,000

Occupancy floor 79%

Sensitivity live

Price	-10% $666	-5% $583	+0% $499	+5% $416	+10% $332
Rent	-10% $252	-5% $375	+0% $499	+5% $623	+10% $747
Rate	-1.0pp $648	-0.5pp $574	base $499	+0.5pp $423	+1.0pp $345

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: $73,750
• Closing costs: $8,850
• Reserves months: —
• Total cash needed: —

Listing history 4 events

1. 2026-05-06
   status Pending 1222-char remark

   Show marketing remark (1222 chars)

   Single family home with 1746 SF on the main level, on 1.38 acres. NO city tax, private location, fast and easy access to 70/270/15. Main level has a spacious living room freshly painted, eat-in kitchen, 3-4 BR and a full bath. The rear part of the house was used as an in-law suite so there is a second kitchen, and it’s is open to the main part of the house. If you don’t need 2 kitchens, lose one and have a huge family room with a fireplace. (Wood stove will be removed if desired. ) MANY possibilities here. The walkout basement needs a * total * re-do, has a 2nd full bath and a kitchenette. Beautiful view from the back of the house of the yard and the trees and woods beyond. TONS of parking, double detached garage with a recently added on storage shed/workroom. * * * ROOF is 3 years old, WATER HEATER is new (2025), WELL PUMP is 2 years old and has a lifetime warranty, SEPTIC was pumped and inspected in 2024. * * * This home is a diamond in the rough, needs a good bit of work and updating, but ready to roll - just move right in and make it your own. Won't go FHA or VA. Sold as-is. Your chance to get a single family home on land for less than the price of a townhomeo. BRING OFFERS.

2. 2026-05-04
   price $295,000 1222-char remark

   Show marketing remark (1222 chars)

   Single family home with 1746 SF on the main level, on 1.38 acres. NO city tax, private location, fast and easy access to 70/270/15. Main level has a spacious living room freshly painted, eat-in kitchen, 3-4 BR and a full bath. The rear part of the house was used as an in-law suite so there is a second kitchen, and it’s is open to the main part of the house. If you don’t need 2 kitchens, lose one and have a huge family room with a fireplace. (Wood stove will be removed if desired. ) MANY possibilities here. The walkout basement needs a * total * re-do, has a 2nd full bath and a kitchenette. Beautiful view from the back of the house of the yard and the trees and woods beyond. TONS of parking, double detached garage with a recently added on storage shed/workroom. * * * ROOF is 3 years old, WATER HEATER is new (2025), WELL PUMP is 2 years old and has a lifetime warranty, SEPTIC was pumped and inspected in 2024. * * * This home is a diamond in the rough, needs a good bit of work and updating, but ready to roll - just move right in and make it your own. Won't go FHA or VA. Sold as-is. Your chance to get a single family home on land for less than the price of a townhomeo. BRING OFFERS.

3. 2026-04-30
   listed $320,000 Active 1222-char remark

   Show marketing remark (1222 chars)

   Single family home with 1746 SF on the main level, on 1.38 acres. NO city tax, private location, fast and easy access to 70/270/15. Main level has a spacious living room freshly painted, eat-in kitchen, 3-4 BR and a full bath. The rear part of the house was used as an in-law suite so there is a second kitchen, and it’s is open to the main part of the house. If you don’t need 2 kitchens, lose one and have a huge family room with a fireplace. (Wood stove will be removed if desired. ) MANY possibilities here. The walkout basement needs a * total * re-do, has a 2nd full bath and a kitchenette. Beautiful view from the back of the house of the yard and the trees and woods beyond. TONS of parking, double detached garage with a recently added on storage shed/workroom. * * * ROOF is 3 years old, WATER HEATER is new (2025), WELL PUMP is 2 years old and has a lifetime warranty, SEPTIC was pumped and inspected in 2024. * * * This home is a diamond in the rough, needs a good bit of work and updating, but ready to roll - just move right in and make it your own. Won't go FHA or VA. Sold as-is. Your chance to get a single family home on land for less than the price of a townhomeo. BRING OFFERS.

4. 2026-04-16
   historical $320,000 1222-char remark

   Show marketing remark (1222 chars)

   Single family home with 1746 SF on the main level, on 1.38 acres. NO city tax, private location, fast and easy access to 70/270/15. Main level has a spacious living room freshly painted, eat-in kitchen, 3-4 BR and a full bath. The rear part of the house was used as an in-law suite so there is a second kitchen, and it’s is open to the main part of the house. If you don’t need 2 kitchens, lose one and have a huge family room with a fireplace. (Wood stove will be removed if desired. ) MANY possibilities here. The walkout basement needs a * total * re-do, has a 2nd full bath and a kitchenette. Beautiful view from the back of the house of the yard and the trees and woods beyond. TONS of parking, double detached garage with a recently added on storage shed/workroom. * * * ROOF is 3 years old, WATER HEATER is new (2025), WELL PUMP is 2 years old and has a lifetime warranty, SEPTIC was pumped and inspected in 2024. * * * This home is a diamond in the rough, needs a good bit of work and updating, but ready to roll - just move right in and make it your own. Won't go FHA or VA. Sold as-is. Your chance to get a single family home on land for less than the price of a townhomeo. BRING OFFERS.

ⓘ 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: $3,668 · $306/mo
• Projected year-2 tax: $3,668 · $306/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 3/10 Moderate
• 🌡 Heat 5/10 Major 7 d/yr ≥105°F today · 16 d/yr by 30 yrs out
• 💨 Wind 4/10 Moderate 7% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 1 unhealthy d/yr today · 2 by 30 yrs out

Taxation est. · year 1

• Rental income: $37,590
• − Mortgage interest: −$16,525
• − Property taxes: −$3,668
• − Insurance: −$1,475
• − Repairs & maintenance: −$3,007
• − Management: −$3,007
• − Depreciation: −$8,582
• Taxable income: $1,326
• Est. tax owed @ 24.0%: −$318
• After-tax cash flow: $5,671/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: Frederick County Public Schools
• NCES district ID: 2400330
• Math proficiency: 27% ▼ -23.00%
• Reading proficiency: 43% ▼ -15.00%
• Median HH income: $84,020
• Composite: 33.54/100
• National rank: #5429
• State rank: #4 of 24 in MD

Livability — Bartonsville

• Score: 61/100
• State rank: #335
• US rank: #17782

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Bartonsville, MD
• County: Frederick County · 171,753 people
• Metro: Washington-Arlington-Alexandria, DC-VA-MD-WV
• Population (ZIP): 20,006
• Household income: $161,063
• Rent vs Own: 18.0% rent · 82.0% own
• Severe rent burden: 81.0

Population outlook (Frederick County) Hauer SSP2

• Today (2025): 269,438 people
• By 2030: 280,160 · +4.0%
• By 2040: 298,408 · +10.8%
• By 2050: 311,062 · +15.4%
• By 2075: 342,819 · +27.2%
• By 2100: 351,361 · +30.4%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Diverse neighborhood (Simpson 0.67)
• Race & ethnicity: White 52% Asian 17% Two or more races 14% Hispanic / Latino 13% Black 12%
• Hispanic origin (detail): Mexican 1%
• Common ancestry: Lithuanian 2% Romanian 2% Slovak 2%
• Foreign-born: 21% · Canada, China, South Korea
• Languages at home: 70% English-only · Spanish 9% Other Indo-European 6% Other Asian/Pacific 4%

Political lean MEDSL · Frederick

• 2024 margin: Lean D (+8.8) · D 53.2% · R 44.4% · Other 2.5%
• 2008→2024 swing: +9.9pp toward D · 2008: -1.0pp · 2024: 8.8pp
• All cycles: 2024: D+8.8 2020: D+9.6 2016: R+4.0 2012: R+3.9 2008: R+1.0

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -78.95%
• Current HPI: 265.6266
• Rent YoY: ▲ 2.48%
• Metro: Washington-Arlington-Alexandria, DC-VA-MD-WV
• 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

-7.8% since first listed

4 events — show timeline

• 2026-05-06 Pending — BRIGHT MLS
• 2026-05-04 Price Changed $295,000 BRIGHT MLS
• 2026-04-30 Listed $320,000 BRIGHT MLS
• 2026-04-16 Coming Soon $320,000 BRIGHT MLS

Property tax history

+3.4%/yr

Latest (2025): $3,668 · +4.9% YoY. Source: county tax records.