3132 Ellerslie Ave · Baltimore, MD
Flood risk 1/10 · Minimal
- FEMA flood zone
- X (unshaded)
- Chance of flooding over 30 yrs
- 0.0%
- Est. flood insurance / yr
- $473 – $860
Fire risk 1/10 · Minimal
- Est. fire insurance / yr
- $755 – $1,403
Heat risk 7/10 · Major
- Hot days now (above 103°F)
- 7 days/yr
- Hot days in 30 yrs
- 14 days/yr
Wind risk 6/10 · Moderate
- Chance of severe wind over 30 yrs
- 27.0%
Air-quality risk 4/10 · Minor
- Unhealthy air days now
- 6 days/yr
- Unhealthy air days in 30 yrs
- 7 days/yr
Risk factors via First Street. Map © Google.
Why this score? — see what drove the D 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 +17.7/30.0
- DSCR +5.5/10.0
- ARV discount +5.0/15.0
- 1% rule +4.9/10.0
- Livability +3.8/5.0
- Rent growth +2.9/5.0
- Condition / age +2.5/5.0
- Schools +1.0/10.0
- Appreciation +0.0/10.0
$169,900
🖨 Deal sheet (PDF) 📄 Offer letter ✓ Due diligence
Listing remarks MLS
Imagine starting your Saturday morning with a coffee on your classic Baltimore front porch, greeting neighbors in the heart of the Better Waverly Historic District. Just a short stroll from the famous Waverly Farmers Market, Johns Hopkins Homewood Campus, and the serene shores of Lake Montebello, 3132 Ellerslie Ave offers the quintessential city lifestyle with updates that make move-in day a breeze. Inside, you're greeted by the warmth of original hardwood floors and a spacious layout that feels both historic and fresh. Whether you’re a first-time buyer looking for a solid investment or a professional wanting a creative retreat, this home delivers. The Standout Features: Designer Bathroom (2026): The crown jewel of the home. A top-to-bottom renovation featuring floor-to-ceiling marble-patterned porcelain tile, a sleek espresso vanity, and modern brushed-nickel fixtures. Updated Kitchen: A functional and stylish space with deep espresso flooring, modern gray cabinetry, and a suite of new appliances (including a stainless steel range and refrigerator). The "Bonus" Basement: Say goodbye to dark, dingy cellars. This expansive, ultra-clean basement features freshly painted concrete floors—the perfect blank canvas for your art studio, home gym, or workshop. The Rare X-Factor: Never circle for parking again. This home includes a private one-car garage, a premium amenity in this neighborhood that offers security and convenience. Move-In Ready: Recently updated flooring, fresh paint throughout, and efficient radiator heat. This home is vacant and ready for an immediate closing! Don’t miss the chance to own a piece of Baltimore history with the modern perks of a private garage and a designer bath.
Key facts
- Lake montebello
- Designer bathroom
- Garage
Tags
Neighborhood map
What this means for you Summary
Snapshot
- This is a 3-bed/2.0-bath townhouse listed at $170k.
Deal economics
- At list price, monthly cash flow is $135 ($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 $169k (0.8% below list).
- Recommended offer: $165k (3.0% below list) — sets the bar for market timing.
- Cap rate 7.2% vs local median 6.0% in Baltimore — meaningfully above typical; check what's discounted (condition, days-on-market, listing class) to confirm the premium yield is real.
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: 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.
- Zoned schools: Elmer A. Henderson: A Johns Hopkins Partnership (math 2% / reading 16%, grade F, #650 of 860 statewide, top 77%, 642 students, 80% FRL); Vanguard Collegiate Middle (math 3% / reading 15%, grade F, #212 of 225 statewide, top 95%, 343 students, 84% FRL); Baltimore Polytechnic Institute (math 71% / reading 84%, grade A-, #22 of 222 statewide, top 10%, 1,555 students, 43% FRL).
- Zoned-school proficiency averages 32% at this address vs 12% district-wide (+20 pts) — the actual schools serving this property are materially stronger than the Baltimore City Public Schools average implies; a family-tenant draw the district grade alone would hide.
- Market conditions: Rents rising (+1.6%/yr); 330 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals at typical pace (median 20d on market — plan ~3-4 weeks tenant-placement turnaround); 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 $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 31 days — a 3% lower offer ($165k) is reasonable based on typical stale-listing flexibility.
- 15 sale attempts since 26y ago; this cycle's ask has dropped $100k (37%) from the opening price — seller is motivated, your offer sets the floor, not the list.
- Current owner paid $24k; list at $170k implies a 608% gain — meaningful room to come down on a strong offer.
Risks & watch-outs
- Watch-outs: built in 1931 — expect roof / HVAC / electrical / plumbing capex.
- Climate carrying-cost: major wind risk, 27% chance of damaging wind over 30y; extreme-heat days projected 7→14/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.
Questions for the listing agent
- It's been on market 31 days. Have you received any prior offers? Is the seller open to a 3% concession, seller financing, or rate buy-down credit?
- Built in 1931 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
- Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
- 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?
- 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?
- The area grade is low — what's the realistic commute time and amenity access for the typical tenant pool here? Any planned neighborhood developments (good or bad) we should know about?
- 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.
- 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.
- 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
- 0.99% ✗
- Cap rate
- 7.25%
- Cash-on-cash
- 3.42%
- DSCR
- 1.15
- GRM
- 8.4
CMA / ARV
- ARV (median comp)
- $161,035
- List price
- $169,900
- Delta
- 5.51%
- 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 |
|---|---|---|---|---|---|---|---|
| 3132 Ellerslie Ave | 0.00mi | 3/1.0 | 870 (0%) | 0mo | $170,000 | $195 | 96 |
| 3103 Independence St | 0.13mi | 2/1.0 (-1) | 930 (+7%) | 5mo | $145,000 | $156 | 70 |
| 3050 Mathews St | 0.11mi | 3/2.0 | 940 (+8%) | 15mo | $197,000 | $210 | 69 |
| 1157 Gorsuch Ave | 0.22mi | 2/1.0 (-1) | 832 (-4%) | 14mo | $80,000 | $96 | 61 |
| 704 E 36th St | 0.45mi | 2/1.5 (-1) | 976 (+12%) | 3mo | $60,000 | $61 | 49 |
| 738 E 37th St | 0.53mi | 3/1.5 | 986 (+13%) | 3mo | $215,000 | $218 | 49 |
| 1 E University Pkwy E #1303 | 0.75mi | 2/1.0 (-1) | 916 (+5%) | 3mo | $120,500 | $132 | 45 |
| 1 E University Pkwy #603 | 0.75mi | 2/1.0 (-1) | 914 (+5%) | 6mo | $100,000 | $109 | 42 |
| 1 E University Pkwy #1502 | 0.75mi | 2/1.5 (-1) | 933 (+7%) | 7mo | $155,500 | $167 | 40 |
| 716 Mckewin Ave | 0.49mi | 2/2.0 (-1) | 986 (+13%) | 17mo | $140,000 | $142 | 36 |
| 742 E 37th St | 0.53mi | 2/1.0 (-1) | 986 (+13%) | 12mo | $200,000 | $203 | 34 |
| 1 E University Pkwy #703 | 0.75mi | 2/1.0 (-1) | 916 (+5%) | 16mo | $160,000 | $175 | 34 |
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 · 1.63% rent growth · sell at horizon
- IRR
- -12.5%
- Equity multiple
- 0.56×
- Total profit
- $-21,155
- Equity at exit
- $25,333
- IRR
- -5.6%
- Equity multiple
- 0.66×
- Total profit
- $-16,301
- Equity at exit
- $14,690
Cash invested: $47,572 (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
ZIP-level market 21218
- Rents YoY
- 1.6%
- Active inventory
- 330
- Price-to-rent
- 8.4×
Monthly cashflow live
- Estimated rent
- $1,685 high interval (Pro) →
- Mortgage (P&I)
- −$891
- Tax from tax record
- −$234 /mo · $2,809/yr
- Insurance
- −$71
- HOA
- −$0
- Vacancy / Maint / Mgmt
- −$354
- Net cashflow
- $135
Break-even live
Sensitivity live
| Price | -10% $232 | -5% $184 | +0% $135 | +5% $87 | +10% $39 |
|---|---|---|---|---|---|
| Rent | -10% $2 | -5% $69 | +0% $135 | +5% $202 | +10% $269 |
| Rate | -1.0pp $221 | -0.5pp $179 | base $135 | +0.5pp $91 | +1.0pp $47 |
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
- $42,475
- Closing costs
- $5,097
- Reserves months
- —
- Total cash needed
- —
Loan-product check · same deal, 3 products live
Conventional
25% down · 7.5% · 30yr
- Down + closing
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
Personal DTI + credit; lowest rate.
DSCR
20% down · 8.5% · 30yr
- Down + closing
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
No personal income docs; deal must DSCR.
Hard money
10% down · 12.0% · 12mo
- Down + closing
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
Short-term bridge; refi at stabilization.
Rent comps 40 comps
| Address | Beds | Baths | Sqft | Rent | $/sqft | DOM | Units | Dist |
|---|---|---|---|---|---|---|---|---|
| 3026 Mathews St Baltimore, MD | 2.0 | 1.0 | 996 | $1,350 | $1.36 | 16d | 1 | 0.12mi |
| 3012 Mathews St Baltimore, MD | 2.0 | 1.0 | 996 | $1,100 | $1.10 | 19d | 1 | 0.14mi |
| 2821 Mathews St Unit 27-668 Baltimore, MD | 2.0 | 1.0 | 730 | $1,050 | $1.44 | 25d | 1 | 0.27mi |
| 436 Ilchester Ave Unit 1 Baltimore, MD | 2.0 | 2.0 | 1002 | $1,350 | $1.35 | 45d | 1 | 0.34mi |
| 1040 E 33rd St Baltimore, MD | 1.0–2.0 | 1.0–2.0 | 775 | $1,525 | $1.97 | 0d | 9 | 0.39mi |
| 3221 Guilford Ave Apt A Baltimore, MD | 3.0 | 1.5 | 1025 | $2,925 | $2.85 | 19d | 1 | 0.46mi |
| 3126 Guilford Ave Apt A Baltimore, MD | 2.0 | 1.0 | 700 | $1,770 | $2.53 | 5d | 1 | 0.47mi |
| 3130 Guilford Ave Apt B Baltimore, MD | 2.0 | 1.0 | 700 | $1,790 | $2.56 | 19d | 1 | 0.47mi |
| 2535 Greenmount Ave Unit 2 Baltimore, MD | 2.0 | 1.0 | 800 | $1,195 | $1.49 | 45d | 1 | 0.54mi |
| 3221 The Alameda Unit 2 Baltimore, MD | 2.0 | 1.0 | 750 | $1,200 | $1.60 | 25d | 1 | 0.57mi |
| 612 Chestnut Hill Ave Unit 1 Baltimore, MD | 2.0 | 1.0 | 900 | $1,999 | $2.22 | 45d | 1 | 0.58mi |
| 2516 Barclay St Baltimore, MD | 3.0 | 1.0 | 992 | $1,375 | $1.39 | 18d | 1 | 0.59mi |
| 1519 E 28th St Baltimore, MD | 3.0 | 2.0 | 1100 | $1,350 | $1.23 | 45d | 1 | 0.60mi |
| 3721 Ellerslie Ave Baltimore, MD | 1.0–3.0 | 1.0–2.0 | 924 | $1,603 | $1.73 | 0d | 1 | 0.62mi |
| 3501 Saint Paul St Baltimore, MD | 2.0 | 1.0 | 673 | $2,030 | $3.02 | 0d | 186 | 0.63mi |
| 2637 Saint Paul St Unit 1A Baltimore, MD | 2.0 | 1.0 | 850 | $1,395 | $1.64 | 0d | 1 | 0.66mi |
| 1 E University Pkwy Baltimore, MD | 1.0–3.0 | 1.0–2.0 | 1045 | $2,500 | $2.39 | 6d | 2 | 0.73mi |
| 2310 Aisquith St Baltimore, MD | 4.0 | 3.0 | 900 | $2,000 | $2.22 | 6d | 1 | 0.74mi |
| 1504 Upshire Rd Unit 1E Baltimore, MD | 2.0 | 1.0 | 1000 | $1,400 | $1.40 | 45d | 1 | 0.80mi |
| 2752 Maryland Ave Unit 2ND FLOOR Baltimore, MD | 2.0 | 1.0 | 900 | $1,500 | $1.67 | 19d | 1 | 0.80mi |
| 2440 Saint Paul St Unit 4E Baltimore, MD | 2.0 | 2.0 | 891 | $1,625 | $1.82 | 45d | 1 | 0.81mi |
| 1832 E 28th St Baltimore, MD | 3.0 | 1.0 | 1066 | $1,495 | $1.40 | 25d | 1 | 0.83mi |
| 2315 St Paul St Baltimore, MD | 1.0–2.0 | 1.0 | 579 | $1,595 | $2.75 | 3d | 5 | 0.86mi |
| 2300 N Calvert St Baltimore, MD | 1.0–2.0 | 1.0–2.0 | 1100 | $1,995 | $1.81 | 4d | 2 | 0.88mi |
| 956 Argonne Dr Baltimore, MD | 1.0–2.0 | 1.0 | 662 | $1,295 | $1.95 | 6d | 6 | 0.99mi |
| 3811 Canterbury Rd Baltimore, MD | 2.0 | 1.0–2.0 | 975 | $2,495 | $2.56 | 14d | 5 | 1.02mi |
| 815 Gilrubin Ct Baltimore, MD | 2.0 | 1.0 | 900 | $1,695 | $1.88 | 45d | 1 | 1.07mi |
| 812 Nat Ct Apt 12 Baltimore, MD | 2.0 | 1.0 | 900 | $1,295 | $1.44 | 45d | 1 | 1.08mi |
| 105 W 39th St Baltimore, MD | 2.0 | 1.0 | 753 | $2,250 | $2.99 | 6d | 1 | 1.14mi |
| 1711 Latrobe St Baltimore, MD | 2.0 | 1.5 | 1000 | $1,700 | $1.70 | 25d | 1 | 1.19mi |
| 430 Fawcett St Baltimore, MD | 2.0 | 1.0 | 1008 | $1,996 | $1.98 | 0d | 1 | 1.19mi |
| 1708 Latrobe St Baltimore, MD | 2.0 | 1.0 | 750 | $2,250 | $3.00 | 25d | 1 | 1.20mi |
| 612 Harding Pl Baltimore, MD | 2.0 | 1.0 | 800 | $2,200 | $2.75 | 6d | 1 | 1.20mi |
| 448 Pitman Pl Baltimore, MD | 2.0 | 1.5 | 940 | $2,145 | $2.28 | 25d | 1 | 1.22mi |
| 412 E Federal St Baltimore, MD | 2.0 | 2.5 | 1100 | $1,700 | $1.55 | 25d | 1 | 1.27mi |
| 500 W University Pkwy Baltimore, MD | 3.0 | 1.0–2.0 | 955 | $3,015 | $3.16 | 0d | 55 | 1.30mi |
| 3429 Chestnut Ave Unit 5 Baltimore, MD | 2.0 | 2.5 | 900 | $1,800 | $2.00 | 25d | 1 | 1.31mi |
| 3429 Chestnut Ave Unit 2 Baltimore, MD | 2.0 | 1.5 | 750 | $1,899 | $2.53 | 25d | 1 | 1.31mi |
| 1627 Rutland Ave Baltimore, MD | 3.0 | 2.0 | 1100 | $1,950 | $1.77 | 25d | 1 | 1.32mi |
| 210 Federal St Baltimore, MD | 3.0 | 1.0 | 900 | $1,350 | $1.50 | 22d | 1 | 1.33mi |
Listing history 43 events
-
2026-05-11status Pending 1744-char remark
Show marketing remark (1744 chars)
Imagine starting your Saturday morning with a coffee on your classic Baltimore front porch, greeting neighbors in the heart of the Better Waverly Historic District. Just a short stroll from the famous Waverly Farmers Market, Johns Hopkins Homewood Campus, and the serene shores of Lake Montebello, 3132 Ellerslie Ave offers the quintessential city lifestyle with updates that make move-in day a breeze. Inside, you're greeted by the warmth of original hardwood floors and a spacious layout that feels both historic and fresh. Whether you’re a first-time buyer looking for a solid investment or a professional wanting a creative retreat, this home delivers. The Standout Features: Designer Bathroom (2026): The crown jewel of the home. A top-to-bottom renovation featuring floor-to-ceiling marble-patterned porcelain tile, a sleek espresso vanity, and modern brushed-nickel fixtures. Updated Kitchen: A functional and stylish space with deep espresso flooring, modern gray cabinetry, and a suite of new appliances (including a stainless steel range and refrigerator). The "Bonus" Basement: Say goodbye to dark, dingy cellars. This expansive, ultra-clean basement features freshly painted concrete floors—the perfect blank canvas for your art studio, home gym, or workshop. The Rare X-Factor: Never circle for parking again. This home includes a private one-car garage, a premium amenity in this neighborhood that offers security and convenience. Move-In Ready: Recently updated flooring, fresh paint throughout, and efficient radiator heat. This home is vacant and ready for an immediate closing! Don’t miss the chance to own a piece of Baltimore history with the modern perks of a private garage and a designer bath.
-
2026-04-10price $169,900 1744-char remark
Show marketing remark (1744 chars)
Imagine starting your Saturday morning with a coffee on your classic Baltimore front porch, greeting neighbors in the heart of the Better Waverly Historic District. Just a short stroll from the famous Waverly Farmers Market, Johns Hopkins Homewood Campus, and the serene shores of Lake Montebello, 3132 Ellerslie Ave offers the quintessential city lifestyle with updates that make move-in day a breeze. Inside, you're greeted by the warmth of original hardwood floors and a spacious layout that feels both historic and fresh. Whether you’re a first-time buyer looking for a solid investment or a professional wanting a creative retreat, this home delivers. The Standout Features: Designer Bathroom (2026): The crown jewel of the home. A top-to-bottom renovation featuring floor-to-ceiling marble-patterned porcelain tile, a sleek espresso vanity, and modern brushed-nickel fixtures. Updated Kitchen: A functional and stylish space with deep espresso flooring, modern gray cabinetry, and a suite of new appliances (including a stainless steel range and refrigerator). The "Bonus" Basement: Say goodbye to dark, dingy cellars. This expansive, ultra-clean basement features freshly painted concrete floors—the perfect blank canvas for your art studio, home gym, or workshop. The Rare X-Factor: Never circle for parking again. This home includes a private one-car garage, a premium amenity in this neighborhood that offers security and convenience. Move-In Ready: Recently updated flooring, fresh paint throughout, and efficient radiator heat. This home is vacant and ready for an immediate closing! Don’t miss the chance to own a piece of Baltimore history with the modern perks of a private garage and a designer bath.
-
2026-04-10$269,900 Active 1744-char remark
Show marketing remark (1744 chars)
Imagine starting your Saturday morning with a coffee on your classic Baltimore front porch, greeting neighbors in the heart of the Better Waverly Historic District. Just a short stroll from the famous Waverly Farmers Market, Johns Hopkins Homewood Campus, and the serene shores of Lake Montebello, 3132 Ellerslie Ave offers the quintessential city lifestyle with updates that make move-in day a breeze. Inside, you're greeted by the warmth of original hardwood floors and a spacious layout that feels both historic and fresh. Whether you’re a first-time buyer looking for a solid investment or a professional wanting a creative retreat, this home delivers. The Standout Features: Designer Bathroom (2026): The crown jewel of the home. A top-to-bottom renovation featuring floor-to-ceiling marble-patterned porcelain tile, a sleek espresso vanity, and modern brushed-nickel fixtures. Updated Kitchen: A functional and stylish space with deep espresso flooring, modern gray cabinetry, and a suite of new appliances (including a stainless steel range and refrigerator). The "Bonus" Basement: Say goodbye to dark, dingy cellars. This expansive, ultra-clean basement features freshly painted concrete floors—the perfect blank canvas for your art studio, home gym, or workshop. The Rare X-Factor: Never circle for parking again. This home includes a private one-car garage, a premium amenity in this neighborhood that offers security and convenience. Move-In Ready: Recently updated flooring, fresh paint throughout, and efficient radiator heat. This home is vacant and ready for an immediate closing! Don’t miss the chance to own a piece of Baltimore history with the modern perks of a private garage and a designer bath.
-
2016-03-18historical Withdrawn
-
2016-03-18historical
-
2016-02-14Active
-
2016-02-14$149,999
-
2015-05-05soldstatus $24,000
-
2015-05-05soldstatus $24,000 Sold
-
2015-03-09status Contract
-
2015-03-05historical
-
2015-02-26price $28,500
-
2015-02-26status Active
-
2015-01-28status Contract
-
2015-01-15price $30,900
-
2014-12-10price $35,820
-
2014-11-25price $40,820
-
2014-10-16price $45,820
-
2014-09-03$49,820 Active
-
2014-09-03$28,500
-
2011-06-20historical Withdrawn
-
2011-06-20historical
-
2011-04-06status Active
-
2011-04-01historical Expired
-
2011-01-18historical Withdrawn
-
2011-01-17Active
-
2011-01-17$95,000
-
2011-01-17historical
-
2010-08-05Active
-
2010-08-05$99,900
-
2007-05-18historical
-
2007-01-31
-
2005-11-02soldstatus $113,000
-
2005-11-02soldstatus $113,000
-
2005-10-28soldstatus $113,000
-
2005-09-14historical
-
2004-01-08$109,900
-
2003-10-15soldstatus $35,000
-
2003-09-05soldstatus $35,000
-
2003-07-14historical
-
2003-05-12$45,000
-
2001-05-14historical
-
2000-11-15
ⓘ 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
- $2,809 · $234/mo
- Projected year-2 tax
- $2,809 · $234/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 · 14 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
Nearby sold comps map
Loading sold comps map…
Walkable amenities ~0.75 mi
Loading nearby amenities…
Taxation est. · year 1
- Rental income
- $20,223
- − Mortgage interest
- −$9,517
- − Property taxes
- −$2,809
- − Insurance
- −$850
- − Repairs & maintenance
- −$1,618
- − Management
- −$1,618
- − Depreciation
- −$4,943
- Taxable loss
- −$1,131
- Est. tax savings @ 24.0%
- +$271
- After-tax cash flow
- $1,897/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
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)
- 44,014
- Household income
- $62,488
- Rent vs Own
- Severe rent burden
- 2564.0
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 0.58)
- Race & ethnicity
- Black 60% White 26% Two or more races 6% Hispanic / Latino 5% Asian 5%
- Hispanic origin (detail)
- Common ancestry
- Romanian 2% Italian 1% Scotch-Irish 1%
- Foreign-born
- 10% · Canada, China, South Korea
- Languages at home
- 87% English-only · Spanish 4% French/Haitian/Cajun 2% Chinese 2%
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
- ▼ -463.14%
- Current HPI
- 292.3986
- Rent YoY
- ▲ 1.63%
- 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 |
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| Utilities | 1 | $25B |
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| Hotels | 1 | $24B |
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| Consumer Goods | 1 | $7B |
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| Real Estate | 1 | $6B |
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| Chemicals | 1 | $2B |
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Price history
+277.6% since first listed43 events — show timeline
- 2026-05-11 Pending — BRIGHT MLS
- 2026-04-10 Price Changed $169,900 BRIGHT MLS
- 2026-04-10 Listed $269,900 BRIGHT MLS
- 2016-03-18 Listing Removed — BRIGHT MLS
- 2016-03-18 Delisted — MRIS
- 2016-02-14 Listed — MRIS
- 2016-02-14 Listed $149,999 BRIGHT MLS
- 2015-05-05 Sold (MLS) $24,000 MRIS
- 2015-05-05 Sold (MLS) $24,000 BRIGHT MLS
- 2015-03-09 Pending — MRIS
- 2015-03-05 Listing Removed — BRIGHT MLS
- 2015-02-26 Price Changed $28,500 MRIS
- 2015-02-26 Relisted — MRIS
- 2015-01-28 Pending — MRIS
- 2015-01-15 Price Changed $30,900 MRIS
- 2014-12-10 Price Changed $35,820 MRIS
- 2014-11-25 Price Changed $40,820 MRIS
- 2014-10-16 Price Changed $45,820 MRIS
- 2014-09-03 Listed $49,820 MRIS
- 2014-09-03 Listed $28,500 BRIGHT MLS
- 2011-06-20 Delisted — MRIS
- 2011-06-20 Listing Removed — BRIGHT MLS
- 2011-04-06 Relisted — MRIS
- 2011-04-01 Delisted — MRIS
- 2011-01-18 Delisted — MRIS
- 2011-01-17 Listed — MRIS
- 2011-01-17 Listing Removed — BRIGHT MLS
- 2011-01-17 Listed $95,000 BRIGHT MLS
- 2010-08-05 Listed — MRIS
- 2010-08-05 Listed $99,900 BRIGHT MLS
- 2007-05-18 Delisted — MRIS
- 2007-01-31 Listed — MRIS
- 2005-11-02 Sold (Public Records) $113,000 Public Records
- 2005-11-02 Sold (Public Records) $113,000 Public Records
- 2005-10-28 Sold (MLS) $113,000 MRIS
- 2005-09-14 Delisted — MRIS
- 2004-01-08 Listed $109,900 MRIS
- 2003-10-15 Sold (Public Records) $35,000 Public Records
- 2003-09-05 Sold (MLS) $35,000 MRIS
- 2003-07-14 Delisted — MRIS
- 2003-05-12 Listed $45,000 MRIS
- 2001-05-14 Delisted — MRIS
- 2000-11-15 Listed — MRIS
Property tax history
+2.1%/yrLatest (2025): $2,809 · +5.7% YoY. Source: county tax records.
Cash-flow waterfall
monthlySold comps — $/sqft
last 12 mo · ≤1 miLoading sold comps…