209 S Tremont Rd · 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
- 16 days/yr
Wind risk 5/10 · Moderate
- Chance of severe wind over 30 yrs
- 24.0%
Air-quality risk 3/10 · Minor
- Unhealthy air days now
- 3 days/yr
- Unhealthy air days in 30 yrs
- 4 days/yr
Risk factors via First Street. Map © Google.
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
- 1% rule +10.0/10.0
- DSCR +10.0/10.0
- 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
$120,000
🖨 Deal sheet (PDF) 📄 Offer letter ✓ Due diligence
Listing remarks MLS
Come partner with me to get this Beautiful End unit SOLD . This home has a nice deck, Finished basement w/ full bath, gorgeous hardwood, carpet, whirlpool tub. garage. Separate entrance to basement. CAC. Gourmet granite kitchen w/ SS appliances. Custom tiled bathrooms. This home is occupied
Key facts
- Covered front porch
- Jetted soaking tub
- Spacious wood deck
Tags
Property features AI
Finance
- Other: Ownership interest: Ground rent; Total below-grade area and finished/unfinished areas recorded
- Financial info: Ground rent exists (paid semi-annually); Annual ground rent amount
Exterior
- Parking: On-street parking
- Utilities: Public water; Public sewer; Natural gas hot water; Natural gas heating; Electric cooling
- Home design: End of row townhouse
- Construction: Brick construction; Block foundation; Built-up roof; Year built per assessor
- Exterior features: Porch(es); Deck(s); Above-grade and below-grade structures
Interior
- Kitchen: Built-in microwave; Gas oven/range; Refrigerator
- Bedrooms: 3 bedrooms on the first upper level
- Bathrooms: 2 full bathrooms (1 on first upper level, 1 on first lower level)
- Heating & cooling: Central heating; Central air conditioning
- Interior features: Jetted tub; Walk-in shower; Breakfast area; Traditional floor plan; Basement present (other type)
- Laundry & utility: Washer; Dryer (laundry on lower floor)
Neighborhood map
What this means for you Summary
Snapshot
- This is a 3-bed/2.5-bath townhouse listed at $120k.
Deal economics
- At list price, monthly cash flow is $585 ($7k/yr) — positive.
- The deal already cash-flows at list — no discount required.
- Meets the 1% rule at list price ($2k rent vs $120k).
- Recommended offer: $118k (1.5% below list) — sets the bar for market timing.
- Cap rate 12.1% 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; 40 comparable units currently listed for rent nearby; rentals at typical pace (median 25d 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 39% 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 $830 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 $34k cash investment doubles in ~6 years — after that, you're playing with house money.
Negotiation context
- It's been on market 20 days — a 2% lower offer ($118k) is reasonable based on typical stale-listing flexibility.
- 15 sale attempts since 22y ago with the ask held roughly flat each time — persistent listings suggest the price (not the market) is what's stuck; bring a comps-based counter.
Risks & watch-outs
- Watch-outs: property tax is 2.8% of price; built in 1930 — expect roof / HVAC / electrical / plumbing capex.
- Climate carrying-cost: moderate wind risk, 24% chance of damaging wind over 30y; extreme-heat days projected 7→16/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.
Questions for the listing agent
- Built in 1930 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
- Property tax is high relative to price — has the assessment been appealed recently, and will the sale trigger a re-assessment?
- 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?
- 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
- 1.63% ✓
- Cap rate
- 12.14%
- Cash-on-cash
- 20.88%
- DSCR
- 1.93
- GRM
- 5.1
CMA / ARV
- ARV (on-the-fly)
- $234,900
- Comps found
- 12
Show comp detail 12 sales within ~0.75 mi
| Address | Dist | Beds/Ba | Sqft | Sold | Price | $/sf | Match |
|---|---|---|---|---|---|---|---|
| 4626 Frederick Ave | 0.10mi | 3/2.0 | 1,568 (-3%) | 2mo | $165,000 | $105 | 86 |
| 46 Cobber Ln | 0.48mi | 3/2.5 | 1,683 (+4%) | 4mo | $245,000 | $146 | 68 |
| 4420 Parkton St | 0.36mi | 3/2.0 | 1,450 (-10%) | 1mo | $140,000 | $97 | 63 |
| 5170 Stafford Rd | 0.39mi | 3/1.5 | 1,450 (-10%) | 2mo | $125,000 | $86 | 59 |
| 4516 Pen Lucy Rd | 0.40mi | 3/2.0 | 1,416 (-13%) | 2mo | $205,000 | $145 | 57 |
| 428 S Augusta Ave | 0.57mi | 4/2.5 (+1) | 1,500 (-7%) | 3mo | $249,900 | $167 | 54 |
| 4702 Vancouver Rd | 0.56mi | 4/2.0 (+1) | 1,512 (-7%) | 4mo | $225,000 | $149 | 52 |
| 347 Yale Ave | 0.51mi | 3/1.5 | 1,436 (-11%) | 3mo | $215,000 | $150 | 50 |
| 528 Random Rd | 0.41mi | 4/2.0 (+1) | 1,840 (+14%) | 2mo | $240,000 | $130 | 50 |
| 101 Upmanor Rd | 0.49mi | 3/1.0 | 1,408 (-13%) | 1mo | $205,000 | $146 | 49 |
| 4231 Euclid Ave | 0.44mi | 3/1.0 | 1,856 (+15%) | 1mo | $90,100 | $49 | 48 |
| 748 Bethnal Rd | 0.54mi | 3/1.5 | 1,408 (-13%) | 2mo | $183,000 | $130 | 47 |
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
- IRR
- 16.2%
- Equity multiple
- 1.68×
- Total profit
- $22,686
- Equity at exit
- $17,892
- IRR
- 26.7%
- Equity multiple
- 3.64×
- Total profit
- $88,780
- Equity at exit
- $10,375
Cash invested: $33,600 (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
ZIP-level market 21229
- Rents YoY
- 5.4%
- Active inventory
- 252
- Price-to-rent
- 5.1×
Monthly cashflow live
- Estimated rent
- $1,954 high interval (Pro) →
- Mortgage (P&I)
- −$629
- Tax from tax record
- −$280 /mo · $3,357/yr
- Insurance
- −$50
- HOA
- −$0
- Vacancy / Maint / Mgmt
- −$410
- Net cashflow
- $585
Break-even live
Sensitivity live
| Price | -10% $653 | -5% $619 | +0% $585 | +5% $551 | +10% $517 |
|---|---|---|---|---|---|
| Rent | -10% $430 | -5% $507 | +0% $585 | +5% $662 | +10% $739 |
| Rate | -1.0pp $645 | -0.5pp $615 | base $585 | +0.5pp $553 | +1.0pp $522 |
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
- $30,000
- Closing costs
- $3,600
- 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 |
|---|---|---|---|---|---|---|---|---|
| 19 S Tremont Rd Baltimore, MD | 3.0 | 1.0 | 1350 | $1,850 | $1.37 | 44d | 1 | 0.07mi |
| 2 S Tremont Rd Baltimore, MD | 3.0 | 2.0 | 1450 | $1,800 | $1.24 | 11d | 1 | 0.10mi |
| 2 S Tremont Rd Baltimore, MD | 3.0 | 2.0 | 1450 | $1,800 | $1.24 | 24d | 1 | 0.10mi |
| 402 Colleen Rd Baltimore, MD | 1.0–2.0 | 1.0 | 910 | $1,450 | $1.59 | 3d | 11 | 0.19mi |
| 114 S Rock Glen Rd Baltimore, MD | 4.0 | 1.5 | 1160 | $2,350 | $2.03 | 13d | 1 | 0.20mi |
| 5147 Frederick Ave Baltimore, MD | 3.0 | 2.0 | 1216 | $1,950 | $1.60 | 4d | 1 | 0.33mi |
| 501 Hazlett Ave Baltimore, MD | 2.0–3.0 | 1.5–2.0 | 1044 | $1,879 | $1.80 | 2d | 8 | 0.34mi |
| 500 Lucia Ave Baltimore, MD | 3.0 | 2.0 | 1472 | $2,100 | $1.43 | 17d | 1 | 0.45mi |
| 4227 Euclid Ave Unit B Baltimore, MD | 2.0 | 1.0 | 2200 | $1,050 | $0.48 | 44d | 1 | 0.47mi |
| 565 Brisbane Rd Baltimore, MD | 2.0 | 2.0 | 1146 | $1,675 | $1.46 | 24d | 1 | 0.47mi |
| 111 Upmanor Rd Baltimore, MD | 3.0 | 1.5 | 1224 | $2,163 | $1.77 | 44d | 1 | 0.49mi |
| 586 Lucia Ave Baltimore, MD | 3.0 | 1.5 | 1178 | $2,100 | $1.78 | 18d | 1 | 0.57mi |
| 670 Queensgate Rd Baltimore, MD | 3.0 | 2.0 | 1600 | $2,100 | $1.31 | 5d | 1 | 0.60mi |
| 738 Yale Ave Baltimore, MD | 2.0 | 1.0 | 1346 | $1,900 | $1.41 | 24d | 1 | 0.61mi |
| 613 S Beechfield Ave Baltimore, MD | 3.0 | 1.5 | 1080 | $1,950 | $1.81 | 44d | 1 | 0.62mi |
| 4018 Massachusetts Ave Baltimore, MD | 3.0 | 1.0 | 1050 | $1,400 | $1.33 | 24d | 1 | 0.65mi |
| 117 Collins Ave Baltimore, MD | 3.0 | 3.0 | 1617 | $2,350 | $1.45 | 44d | 1 | 0.66mi |
| 5364 Jamestowne Ct Baltimore, MD | 3.0 | 1.0–1.5 | 787 | $1,905 | $2.42 | 5d | 13 | 0.66mi |
| 212 S Loudon Ave Baltimore, MD | 3.0 | 1.5 | 1310 | $1,550 | $1.18 | 44d | 1 | 0.69mi |
| 603 Braeside Rd Baltimore, MD | 3.0 | 2.0 | 1416 | $2,400 | $1.69 | 44d | 1 | 0.97mi |
| 409 Normandy Ave Baltimore, MD | 4.0 | 1.0 | 1640 | $1,500 | $0.91 | 24d | 1 | 1.01mi |
| 3706 W Saratoga St Unit 1 Baltimore, MD | 2.0 | 1.0 | 1540 | $1,350 | $0.88 | 44d | 1 | 1.06mi |
| 3607 W Lexington St Baltimore, MD | 3.0 | 2.0 | 1050 | $1,895 | $1.80 | 5d | 1 | 1.12mi |
| 917 Kevin Rd Baltimore, MD | 3.0 | 2.0 | 1151 | $1,795 | $1.56 | 2d | 1 | 1.13mi |
| 4020 Gelston Dr Baltimore, MD | 3.0 | 2.0 | 1270 | $1,875 | $1.48 | 44d | 1 | 1.14mi |
| 24 Laurence Brooke Rd Catonsville, MD | 4.0 | 3.5 | 1980 | $2,800 | $1.41 | 3d | 1 | 1.15mi |
| 24 Laurence Brooke Rd Catonsville, MD | 4.0 | 3.0 | 1440 | $2,800 | $1.94 | 13d | 1 | 1.15mi |
| 6300 Mount Ridge Rd Unit A Catonsville, MD | 2.0 | 1.0 | 1100 | $1,750 | $1.59 | 44d | 1 | 1.17mi |
| 202 N Edgewood St Baltimore, MD | 3.0 | 2.0 | 1710 | $2,250 | $1.32 | 24d | 1 | 1.17mi |
| 3336 W Caton Ave Baltimore, MD | 3.0 | 2.0 | 1236 | $1,625 | $1.31 | 24d | 1 | 1.20mi |
| 41 N Kossuth St Baltimore, MD | 3.0 | 2.0 | 1216 | $1,800 | $1.48 | 24d | 1 | 1.22mi |
| 3619 Edmondson Ave Baltimore, MD | 4.0 | 3.5 | 1962 | $2,800 | $1.43 | 44d | 1 | 1.23mi |
| 51 Briarwood Rd Catonsville, MD | 3.0 | 1.0 | 1200 | $2,100 | $1.75 | 44d | 1 | 1.23mi |
| 4610 College Ave Baltimore, MD | 4.0 | 2.0 | 1440 | $2,200 | $1.53 | 18d | 1 | 1.23mi |
| 21 Holland Hill Ct Catonsville, MD | 4.0 | 1.5 | 1320 | $2,200 | $1.67 | 44d | 1 | 1.24mi |
| 405 N Edgewood St Baltimore, MD | 4.0 | 2.0 | 1408 | $2,950 | $2.10 | 5d | 1 | 1.27mi |
| 3712 Gelston Dr Baltimore, MD | 3.0 | 2.0 | 1250 | $2,500 | $2.00 | 24d | 1 | 1.27mi |
| 3507 Edmondson Ave Baltimore, MD | 4.0 | 2.0 | 1428 | $2,300 | $1.61 | 44d | 1 | 1.31mi |
| 4630 Warren Tree Way Baltimore, MD | 3.0 | 1.5 | 1736 | $2,500 | $1.44 | 5d | 1 | 1.31mi |
| 623 N Grantley St Baltimore, MD | 4.0 | 2.0 | 1250 | $2,000 | $1.60 | 24d | 1 | 1.32mi |
Listing history 50 events
-
2026-06-18days on market $120,000 Active 20 DOM
-
2026-06-17days on market $120,000 Active 19 DOM
-
2026-06-16days on market $120,000 Active 18 DOM
-
2026-06-15days on market $120,000 Active 17 DOM
-
2026-06-13days on market $120,000 Active 15 DOM
-
2026-06-10pricestatus $120,000 Active 11 DOM
-
2026-04-20historical Active Under Contract
-
2026-04-09$119,900 Active
-
2021-09-27soldstatus $177,000
-
2021-06-16soldstatus $177,000 Closed 293-char remark
Show marketing remark (293 chars)
Come partner with me to get this Beautiful End unit SOLD . This home has a nice deck, Finished basement w/ full bath, gorgeous hardwood, carpet, whirlpool tub. garage. Separate entrance to basement. CAC. Gourmet granite kitchen w/ SS appliances. Custom tiled bathrooms. This home is occupied
-
2021-06-04status Pending 293-char remark
Show marketing remark (293 chars)
Come partner with me to get this Beautiful End unit SOLD . This home has a nice deck, Finished basement w/ full bath, gorgeous hardwood, carpet, whirlpool tub. garage. Separate entrance to basement. CAC. Gourmet granite kitchen w/ SS appliances. Custom tiled bathrooms. This home is occupied
-
2021-06-04status Active 293-char remark
Show marketing remark (293 chars)
Come partner with me to get this Beautiful End unit SOLD . This home has a nice deck, Finished basement w/ full bath, gorgeous hardwood, carpet, whirlpool tub. garage. Separate entrance to basement. CAC. Gourmet granite kitchen w/ SS appliances. Custom tiled bathrooms. This home is occupied
-
2021-04-25status Pending 293-char remark
Show marketing remark (293 chars)
Come partner with me to get this Beautiful End unit SOLD . This home has a nice deck, Finished basement w/ full bath, gorgeous hardwood, carpet, whirlpool tub. garage. Separate entrance to basement. CAC. Gourmet granite kitchen w/ SS appliances. Custom tiled bathrooms. This home is occupied
-
2021-04-25price $177,000 293-char remark
Show marketing remark (293 chars)
Come partner with me to get this Beautiful End unit SOLD . This home has a nice deck, Finished basement w/ full bath, gorgeous hardwood, carpet, whirlpool tub. garage. Separate entrance to basement. CAC. Gourmet granite kitchen w/ SS appliances. Custom tiled bathrooms. This home is occupied
-
2021-04-17$169,000 Active 293-char remark
Show marketing remark (293 chars)
Come partner with me to get this Beautiful End unit SOLD . This home has a nice deck, Finished basement w/ full bath, gorgeous hardwood, carpet, whirlpool tub. garage. Separate entrance to basement. CAC. Gourmet granite kitchen w/ SS appliances. Custom tiled bathrooms. This home is occupied
-
2017-12-27historical 284-char remark
Show marketing remark (284 chars)
Beautiful End unit with deck. Finished basement w/ full bath, gorgeous hardwood, carpet, wihrlpool tub. garage. Seaprate entrance to basement could potentially be rented out. CAC. Gourmet granite kitchen w/ SS appliances. Custom tiled bathrooms. New windows, will dazzle your clients.
-
2017-12-27soldstatus $134,000
Show marketing remark (284 chars)
Beautiful End unit with deck. Finished basement w/ full bath, gorgeous hardwood, carpet, wihrlpool tub. garage. Seaprate entrance to basement could potentially be rented out. CAC. Gourmet granite kitchen w/ SS appliances. Custom tiled bathrooms. New windows, will dazzle your clients.
-
2017-12-22soldstatus $134,000 284-char remark
Show marketing remark (284 chars)
Beautiful End unit with deck. Finished basement w/ full bath, gorgeous hardwood, carpet, wihrlpool tub. garage. Seaprate entrance to basement could potentially be rented out. CAC. Gourmet granite kitchen w/ SS appliances. Custom tiled bathrooms. New windows, will dazzle your clients.
-
2017-12-22soldstatus $134,000 Sold
Show marketing remark (284 chars)
Beautiful End unit with deck. Finished basement w/ full bath, gorgeous hardwood, carpet, wihrlpool tub. garage. Seaprate entrance to basement could potentially be rented out. CAC. Gourmet granite kitchen w/ SS appliances. Custom tiled bathrooms. New windows, will dazzle your clients.
-
2017-11-08status Contract
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2017-10-16status Active
-
2017-07-31status Contract
-
2017-07-07$129,900 Active
Show marketing remark (284 chars)
Beautiful End unit with deck. Finished basement w/ full bath, gorgeous hardwood, carpet, wihrlpool tub. garage. Seaprate entrance to basement could potentially be rented out. CAC. Gourmet granite kitchen w/ SS appliances. Custom tiled bathrooms. New windows, will dazzle your clients.
-
2017-07-07$129,900 284-char remark
Show marketing remark (284 chars)
Beautiful End unit with deck. Finished basement w/ full bath, gorgeous hardwood, carpet, wihrlpool tub. garage. Seaprate entrance to basement could potentially be rented out. CAC. Gourmet granite kitchen w/ SS appliances. Custom tiled bathrooms. New windows, will dazzle your clients.
-
2016-05-18historical
-
2016-05-13soldstatus $32,694 Sold
-
2016-05-13soldstatus $32,694
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2016-02-19status Contract
-
2016-02-11price $34,600
-
2016-02-02status Active
-
2016-01-20status Contract
-
2016-01-11$37,600 Active
-
2012-07-17historical Withdrawn
-
2012-07-17historical
-
2012-03-22Active
-
2012-03-22$108,000
-
2012-02-20historical
-
2012-02-20historical
-
2011-09-02price
-
2011-07-23Active
-
2011-07-23$118,400
-
2005-12-08soldstatus $80,000
-
2004-12-29soldstatus $25,000
-
2004-12-20historical
-
2004-09-09$33,750
-
2004-08-25historical
-
2004-01-14
-
2004-01-14historical
-
2004-01-08
-
1987-04-15soldstatus $40,000
ⓘ 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
- $3,357 · $280/mo
- Projected year-2 tax
- $3,357 · $280/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 · 16 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
Nearby sold comps map
Loading sold comps map…
Walkable amenities ~0.75 mi
Loading nearby amenities…
Taxation est. · year 1
- Rental income
- $23,448
- − Mortgage interest
- −$6,722
- − Property taxes
- −$3,357
- − Insurance
- −$600
- − Repairs & maintenance
- −$1,876
- − Management
- −$1,876
- − Depreciation
- −$3,491
- Taxable income
- $5,526
- Est. tax owed @ 24.0%
- −$1,326
- After-tax cash flow
- $5,689/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)
- 46,679
- Household income
- $60,047
- Rent vs 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%
- Hispanic origin (detail)
- 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 |
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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
+274.7% since first listed45 events — show timeline
- 2026-04-20 Contingent — BRIGHT MLS
- 2026-04-09 Listed $119,900 BRIGHT MLS
- 2021-09-27 Sold (Public Records) $177,000 Public Records
- 2021-06-16 Sold (MLS) $177,000 BRIGHT MLS
- 2021-06-04 Pending — BRIGHT MLS
- 2021-06-04 Relisted — BRIGHT MLS
- 2021-04-25 Pending — BRIGHT MLS
- 2021-04-25 Price Changed $177,000 BRIGHT MLS
- 2021-04-17 Listed $169,000 BRIGHT MLS
- 2017-12-27 Sold (Public Records) $134,000 Public Records
- 2017-12-27 Listing Removed — BRIGHT MLS
- 2017-12-22 Sold (MLS) $134,000 MRIS
- 2017-12-22 Sold (MLS) $134,000 BRIGHT MLS
- 2017-11-08 Pending — MRIS
- 2017-10-16 Relisted — MRIS
- 2017-07-31 Pending — MRIS
- 2017-07-07 Listed $129,900 MRIS
- 2017-07-07 Listed $129,900 BRIGHT MLS
- 2016-05-18 Delisted — MRIS
- 2016-05-13 Sold (MLS) $32,694 BRIGHT MLS
- 2016-05-13 Sold (MLS) $32,694 MRIS
- 2016-02-19 Pending — MRIS
- 2016-02-11 Price Changed $34,600 MRIS
- 2016-02-02 Relisted — MRIS
- 2016-01-20 Pending — MRIS
- 2016-01-11 Listed $37,600 MRIS
- 2012-07-17 Delisted — MRIS
- 2012-07-17 Listing Removed — BRIGHT MLS
- 2012-03-22 Listed — MRIS
- 2012-03-22 Listed $108,000 BRIGHT MLS
- 2012-02-20 Listing Removed — BRIGHT MLS
- 2012-02-20 Delisted — MRIS
- 2011-09-02 Price Changed — MRIS
- 2011-07-23 Listed — MRIS
- 2011-07-23 Listed $118,400 BRIGHT MLS
- 2005-12-08 Sold (Public Records) $80,000 Public Records
- 2004-12-29 Sold (MLS) $25,000 MRIS
- 2004-12-20 Delisted — MRIS
- 2004-09-09 Listed $33,750 MRIS
- 2004-08-25 Delisted — MRIS
- 2004-01-14 Delisted — MRIS
- 2004-01-14 Listed — MRIS
- 2004-01-08 Listed — MRIS
- 1987-04-15 Sold (Public Records) $40,000 Public Records
- 1984-12-28 Sold (Public Records) $32,000 Public Records
Property tax history
+2.7%/yrLatest (2025): $3,357 · +21.5% YoY. Source: county tax records.
Cash-flow waterfall
monthlySold comps — $/sqft
last 12 mo · ≤1 miLoading sold comps…