116 S Loudon Ave · Baltimore, MD 21229

$139,900

3 bd · 1.0 ba · 1,204 sqft · Townhouse public records · 154 Days on market

Built 1920 1,806 sqft lot $116/sqft · at area comps Est $141k · at est.

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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 +27.5/30.0
• DSCR +9.6/10.0
• ARV discount +7.8/15.0
• 1% rule +7.5/10.0
• 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

Listing remarks MLS

Welcome to 116 S Loudon Avenue, a charming Baltimore City townhome offering classic character, comfortable living spaces, and a highly convenient location. The main level features a spacious living room and a dedicated dining area that flows seamlessly into the open kitchen—creating a functional layout ideal for both everyday living and entertaining. The kitchen offers ample cabinetry and plenty of space for gathering with friends and family. Upstairs, you’ll find three comfortable bedrooms designed for rest and privacy, along with a full shared hallway bathroom. Large windows throughout the home allow natural light to pour in, enhancing the timeless design and warm, welcoming atmosphere. The expansive lower level provides an excellent opportunity for customization, offering generous space for utilities and storage, or the potential to create additional living or recreational space to suit your needs. Conveniently located near major commuter routes including Route 40, I-695, and I-95, this home offers easy access throughout the Baltimore area. Enjoy close proximity to shopping and dining at Westside Shopping Center, Mondawmin Mall, and local neighborhood favorites, as well as nearby parks and green spaces for outdoor enjoyment. Just minutes from downtown Baltimore, Inner Harbor attractions, hospitals, and universities, this location is ideal for both homeowners and investors seeking accessibility and long-term value. Don't miss out on this great opportunity to call 116 S Loudon Ave your home!

Key facts

• Built 1920
• Listed 154 days

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath townhouse listed at $140k.

Deal economics

• At list price, monthly cash flow is $413 ($5k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $140k).
• Recommended offer: $123k (12.0% below list) — sets the bar for market timing.
• Cap rate 9.8% 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 24d 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 35% 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 $967 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 $39k cash investment doubles in ~8 years — after that, you're playing with house money.

Negotiation context

• It's been on market 154 days — a 12% lower offer ($123k) is reasonable based on typical stale-listing flexibility.
• 6 sale attempts since 21y ago; this cycle's ask has dropped $30k (18%) from the opening price — seller is motivated, your offer sets the floor, not the list.
• Current owner paid $35k; list at $140k implies a 300% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: built in 1920 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: moderate wind risk, 24% 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 $123,112 (12.0% below list)

Questions for the listing agent

1. It's been on market 154 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 1920 — 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: 1.25% ✓
• Cap rate: 9.83%
• Cash-on-cash: 12.64%
• DSCR: 1.56
• GRM: 6.7

CMA / ARV

• ARV (median comp): $140,944
• List price: $139,900
• Delta: -0.74%
• 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
48 Hillvale Rd	0.55mi	3/1.5	1,224 (+2%)	2mo	$180,000	$147	68
40 Hillvale Rd	0.54mi	3/2.0	1,224 (+2%)	1mo	$230,000	$188	67
21 Culver St	0.34mi	2/2.0 (-1)	1,260 (+5%)	1mo	$210,000	$167	66
222 N Hilton St	0.62mi	3/1.0	1,120 (-7%)	1mo	$89,775	$80	59
300 Denison St	0.61mi	3/2.0	1,260 (+5%)	2mo	$205,000	$163	58
28 S Bernice Ave	0.67mi	3/1.0	1,280 (+6%)	1mo	$147,000	$115	57
209 Mount Holly St	0.45mi	3/2.0	1,080 (-10%)	2mo	$228,000	$211	56
107 N Monastery Ave	0.44mi	2/1.5 (-1)	1,080 (-10%)	2mo	$65,000	$60	54
5 Rosedale St S	0.73mi	3/2.0	1,280 (+6%)	1mo	$110,000	$86	51
377 Marydell Rd	0.51mi	2/1.0 (-1)	1,040 (-14%)	2mo	$145,000	$139	47
118 Upmanor Rd	0.51mi	3/2.0	1,024 (-15%)	2mo	$235,000	$229	46
119 Hilton St	0.58mi	2/2.0 (-1)	1,040 (-14%)	0mo	$211,000	$203	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 · 5.38% rent growth · sell at horizon

5-year hold

• IRR: 5.1%
• Equity multiple: 1.20×
• Total profit: $7,927
• Equity at exit: $20,860

10-year hold

• IRR: 16.6%
• Equity multiple: 2.51×
• Total profit: $59,344
• Equity at exit: $12,096

Cash invested: $39,172 (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 21229

• Rents YoY: 5.4%
• Active inventory: 252
• Price-to-rent: 6.7×

Monthly cashflow live

• Estimated rent: $1,751 high
• Mortgage (P&I): −$734
• Tax from tax record: −$179 /mo · $2,142/yr
• Insurance: −$58
• HOA: −$0
• Vacancy / Maint / Mgmt: −$368
• Net cashflow: $413

Break-even live

Break-even rent $1,228

Max offer price $139,900

Occupancy floor 71%

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: $34,975
• Closing costs: $4,197
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
212 S Loudon Ave Baltimore, MD	3.0	1.5	1310	$1,550	$1.18	43d	1	0.06mi
4018 Massachusetts Ave Baltimore, MD	3.0	1.0	1050	$1,400	$1.33	23d	1	0.06mi
304 Collins Ave Unit 2 Baltimore, MD	3.0	1.0	1016	$2,100	$2.07	43d	1	0.22mi
2 S Woodington Rd Baltimore, MD	2.0	1.0	856	$1,160	$1.36	14d	1	0.30mi
2 N Woodington Rd Baltimore, MD	1.0–2.0	1.0	738	$1,335	$1.81	2d	5	0.30mi
3336 W Caton Ave Baltimore, MD	3.0	2.0	1236	$1,625	$1.31	23d	1	0.50mi
3607 W Lexington St Baltimore, MD	3.0	2.0	1050	$1,895	$1.80	4d	1	0.51mi
111 Upmanor Rd Baltimore, MD	3.0	1.5	1224	$2,163	$1.77	43d	1	0.51mi
4301 Parkton St Baltimore, MD	1.0–3.0	1.0	730	$1,550	$2.12	43d	1	0.52mi
3310 Elbert St Baltimore, MD	2.0	1.0	920	$1,550	$1.68	23d	1	0.52mi
41 N Kossuth St Baltimore, MD	3.0	2.0	1216	$1,800	$1.48	23d	1	0.53mi
3706 W Franklin St Unit 1 Baltimore, MD	2.0	1.0	735	$1,100	$1.50	4d	1	0.63mi
405 N Edgewood St Baltimore, MD	4.0	2.0	1408	$2,950	$2.10	4d	1	0.67mi
4601 Pen Lucy Rd Unit 4718-F Baltimore, MD	2.0	1.0	879	$1,225	$1.39	1d	1	0.67mi
4601 Pen Lucy Rd Unit 4714-B Baltimore, MD	2.0	1.0	730	$1,205	$1.65	14d	1	0.67mi
4601 Pen Lucy Rd Unit 103-H Baltimore, MD	2.0	1.0	798	$1,315	$1.65	23d	1	0.67mi
4601 Pen Lucy Rd Unit 4615-G Baltimore, MD	2.0	1.0	798	$1,200	$1.50	21d	1	0.67mi
19 S Tremont Rd Baltimore, MD	3.0	1.0	1350	$1,850	$1.37	43d	1	0.68mi
4431 Eldone Rd Baltimore, MD	3.0	2.0	896	$2,000	$2.23	23d	1	0.70mi
2 S Tremont Rd Baltimore, MD	3.0	2.0	1450	$1,800	$1.24	10d	1	0.71mi
2 S Tremont Rd Baltimore, MD	3.0	2.0	1450	$1,800	$1.24	23d	1	0.71mi
3507 Edmondson Ave Baltimore, MD	4.0	2.0	1428	$2,300	$1.61	43d	1	0.75mi
3130 Stafford St Baltimore, MD	3.0	1.0	1200	$1,500	$1.25	20d	1	0.76mi
500 Lucia Ave Baltimore, MD	3.0	2.0	1472	$2,100	$1.43	16d	1	0.76mi
4520 Scarlet Oak Ln Baltimore, MD	2.0	1.0	1025	$1,500	$1.46	43d	1	0.76mi
402 Colleen Rd Baltimore, MD	1.0–2.0	1.0	910	$1,450	$1.59	2d	11	0.77mi
3423 Edmondson Ave Baltimore, MD	2.0	1.5	1400	$1,710	$1.22	43d	1	0.78mi
219 Atholgate Ln Baltimore, MD	1.0–3.0	1.0–1.5	814	$1,500	$1.84	2d	2	0.79mi
738 Yale Ave Baltimore, MD	2.0	1.0	1346	$1,900	$1.41	23d	1	0.80mi
3392 Saint Benedict St Baltimore, MD	2.0	1.0	864	$1,450	$1.68	23d	1	0.81mi
623 N Grantley St Baltimore, MD	4.0	2.0	1250	$2,000	$1.60	23d	1	0.81mi
4020 Gelston Dr Baltimore, MD	3.0	2.0	1270	$1,875	$1.48	43d	1	0.82mi
751 Yale Ave Baltimore, MD	3.0	1.5	1024	$1,750	$1.71	43d	1	0.82mi
3712 Gelston Dr Baltimore, MD	3.0	2.0	1250	$2,500	$2.00	23d	1	0.83mi
586 Lucia Ave Baltimore, MD	3.0	1.5	1178	$2,100	$1.78	17d	1	0.89mi
730 Linnard St Unit 1 Baltimore, MD	4.0	1.0	1360	$1,750	$1.29	23d	1	0.89mi
114 S Rock Glen Rd Baltimore, MD	4.0	1.5	1160	$2,350	$2.03	12d	1	0.90mi
627 Lucia Ave Baltimore, MD	3.0	1.0	892	$1,750	$1.96	23d	1	0.91mi
709 Denison St Baltimore, MD	2.0	2.0	840	$1,630	$1.94	23d	1	0.92mi
565 Brisbane Rd Baltimore, MD	2.0	2.0	1146	$1,675	$1.46	23d	1	0.92mi

Listing history 21 events

1. 2026-05-14
   status Active 1529-char remark

   Show marketing remark (1529 chars)

   Welcome to 116 S Loudon Avenue, a charming Baltimore City townhome offering classic character, comfortable living spaces, and a highly convenient location. The main level features a spacious living room and a dedicated dining area that flows seamlessly into the open kitchen—creating a functional layout ideal for both everyday living and entertaining. The kitchen offers ample cabinetry and plenty of space for gathering with friends and family. Upstairs, you’ll find three comfortable bedrooms designed for rest and privacy, along with a full shared hallway bathroom. Large windows throughout the home allow natural light to pour in, enhancing the timeless design and warm, welcoming atmosphere. The expansive lower level provides an excellent opportunity for customization, offering generous space for utilities and storage, or the potential to create additional living or recreational space to suit your needs. Conveniently located near major commuter routes including Route 40, I-695, and I-95, this home offers easy access throughout the Baltimore area. Enjoy close proximity to shopping and dining at Westside Shopping Center, Mondawmin Mall, and local neighborhood favorites, as well as nearby parks and green spaces for outdoor enjoyment. Just minutes from downtown Baltimore, Inner Harbor attractions, hospitals, and universities, this location is ideal for both homeowners and investors seeking accessibility and long-term value. Don't miss out on this great opportunity to call 116 S Loudon Ave your home!

2. 2026-05-01
   status Pending 1529-char remark

   Show marketing remark (1529 chars)

   Welcome to 116 S Loudon Avenue, a charming Baltimore City townhome offering classic character, comfortable living spaces, and a highly convenient location. The main level features a spacious living room and a dedicated dining area that flows seamlessly into the open kitchen—creating a functional layout ideal for both everyday living and entertaining. The kitchen offers ample cabinetry and plenty of space for gathering with friends and family. Upstairs, you’ll find three comfortable bedrooms designed for rest and privacy, along with a full shared hallway bathroom. Large windows throughout the home allow natural light to pour in, enhancing the timeless design and warm, welcoming atmosphere. The expansive lower level provides an excellent opportunity for customization, offering generous space for utilities and storage, or the potential to create additional living or recreational space to suit your needs. Conveniently located near major commuter routes including Route 40, I-695, and I-95, this home offers easy access throughout the Baltimore area. Enjoy close proximity to shopping and dining at Westside Shopping Center, Mondawmin Mall, and local neighborhood favorites, as well as nearby parks and green spaces for outdoor enjoyment. Just minutes from downtown Baltimore, Inner Harbor attractions, hospitals, and universities, this location is ideal for both homeowners and investors seeking accessibility and long-term value. Don't miss out on this great opportunity to call 116 S Loudon Ave your home!

3. 2026-02-06
   price $139,900 1529-char remark

   Show marketing remark (1529 chars)

   Welcome to 116 S Loudon Avenue, a charming Baltimore City townhome offering classic character, comfortable living spaces, and a highly convenient location. The main level features a spacious living room and a dedicated dining area that flows seamlessly into the open kitchen—creating a functional layout ideal for both everyday living and entertaining. The kitchen offers ample cabinetry and plenty of space for gathering with friends and family. Upstairs, you’ll find three comfortable bedrooms designed for rest and privacy, along with a full shared hallway bathroom. Large windows throughout the home allow natural light to pour in, enhancing the timeless design and warm, welcoming atmosphere. The expansive lower level provides an excellent opportunity for customization, offering generous space for utilities and storage, or the potential to create additional living or recreational space to suit your needs. Conveniently located near major commuter routes including Route 40, I-695, and I-95, this home offers easy access throughout the Baltimore area. Enjoy close proximity to shopping and dining at Westside Shopping Center, Mondawmin Mall, and local neighborhood favorites, as well as nearby parks and green spaces for outdoor enjoyment. Just minutes from downtown Baltimore, Inner Harbor attractions, hospitals, and universities, this location is ideal for both homeowners and investors seeking accessibility and long-term value. Don't miss out on this great opportunity to call 116 S Loudon Ave your home!

4. 2026-01-02
   price $150,000 1529-char remark

   Show marketing remark (1529 chars)

   Welcome to 116 S Loudon Avenue, a charming Baltimore City townhome offering classic character, comfortable living spaces, and a highly convenient location. The main level features a spacious living room and a dedicated dining area that flows seamlessly into the open kitchen—creating a functional layout ideal for both everyday living and entertaining. The kitchen offers ample cabinetry and plenty of space for gathering with friends and family. Upstairs, you’ll find three comfortable bedrooms designed for rest and privacy, along with a full shared hallway bathroom. Large windows throughout the home allow natural light to pour in, enhancing the timeless design and warm, welcoming atmosphere. The expansive lower level provides an excellent opportunity for customization, offering generous space for utilities and storage, or the potential to create additional living or recreational space to suit your needs. Conveniently located near major commuter routes including Route 40, I-695, and I-95, this home offers easy access throughout the Baltimore area. Enjoy close proximity to shopping and dining at Westside Shopping Center, Mondawmin Mall, and local neighborhood favorites, as well as nearby parks and green spaces for outdoor enjoyment. Just minutes from downtown Baltimore, Inner Harbor attractions, hospitals, and universities, this location is ideal for both homeowners and investors seeking accessibility and long-term value. Don't miss out on this great opportunity to call 116 S Loudon Ave your home!

5. 2025-12-11
   listed $170,000 Active 1529-char remark

   Show marketing remark (1529 chars)

   Welcome to 116 S Loudon Avenue, a charming Baltimore City townhome offering classic character, comfortable living spaces, and a highly convenient location. The main level features a spacious living room and a dedicated dining area that flows seamlessly into the open kitchen—creating a functional layout ideal for both everyday living and entertaining. The kitchen offers ample cabinetry and plenty of space for gathering with friends and family. Upstairs, you’ll find three comfortable bedrooms designed for rest and privacy, along with a full shared hallway bathroom. Large windows throughout the home allow natural light to pour in, enhancing the timeless design and warm, welcoming atmosphere. The expansive lower level provides an excellent opportunity for customization, offering generous space for utilities and storage, or the potential to create additional living or recreational space to suit your needs. Conveniently located near major commuter routes including Route 40, I-695, and I-95, this home offers easy access throughout the Baltimore area. Enjoy close proximity to shopping and dining at Westside Shopping Center, Mondawmin Mall, and local neighborhood favorites, as well as nearby parks and green spaces for outdoor enjoyment. Just minutes from downtown Baltimore, Inner Harbor attractions, hospitals, and universities, this location is ideal for both homeowners and investors seeking accessibility and long-term value. Don't miss out on this great opportunity to call 116 S Loudon Ave your home!

6. 2025-12-08
   historical $170,000 1529-char remark

   Show marketing remark (1529 chars)

   Welcome to 116 S Loudon Avenue, a charming Baltimore City townhome offering classic character, comfortable living spaces, and a highly convenient location. The main level features a spacious living room and a dedicated dining area that flows seamlessly into the open kitchen—creating a functional layout ideal for both everyday living and entertaining. The kitchen offers ample cabinetry and plenty of space for gathering with friends and family. Upstairs, you’ll find three comfortable bedrooms designed for rest and privacy, along with a full shared hallway bathroom. Large windows throughout the home allow natural light to pour in, enhancing the timeless design and warm, welcoming atmosphere. The expansive lower level provides an excellent opportunity for customization, offering generous space for utilities and storage, or the potential to create additional living or recreational space to suit your needs. Conveniently located near major commuter routes including Route 40, I-695, and I-95, this home offers easy access throughout the Baltimore area. Enjoy close proximity to shopping and dining at Westside Shopping Center, Mondawmin Mall, and local neighborhood favorites, as well as nearby parks and green spaces for outdoor enjoyment. Just minutes from downtown Baltimore, Inner Harbor attractions, hospitals, and universities, this location is ideal for both homeowners and investors seeking accessibility and long-term value. Don't miss out on this great opportunity to call 116 S Loudon Ave your home!

7. 2010-08-31
   soldstatus $35,000 233-char remark

   Show marketing remark (233 chars)

   Attention Investors and First time buyers! This spacious 3 bedroom 1 bath townhome is priced to sell. Close to shopping, public transportation, and all commuter routes. Centrally located close to Downtown, Inner Harbor, and stadiums.

8. 2010-08-31
   soldstatus $35,000 Sold

   Show marketing remark (233 chars)

   Attention Investors and First time buyers! This spacious 3 bedroom 1 bath townhome is priced to sell. Close to shopping, public transportation, and all commuter routes. Centrally located close to Downtown, Inner Harbor, and stadiums.

9. 2010-07-26
   status Contract
10. 2010-07-22
    historical 233-char remark

    Show marketing remark (233 chars)

    Attention Investors and First time buyers! This spacious 3 bedroom 1 bath townhome is priced to sell. Close to shopping, public transportation, and all commuter routes. Centrally located close to Downtown, Inner Harbor, and stadiums.

11. 2010-07-16
    listed $43,400 Active

    Show marketing remark (233 chars)

    Attention Investors and First time buyers! This spacious 3 bedroom 1 bath townhome is priced to sell. Close to shopping, public transportation, and all commuter routes. Centrally located close to Downtown, Inner Harbor, and stadiums.

12. 2010-07-16
    listed $43,400 233-char remark

    Show marketing remark (233 chars)

    Attention Investors and First time buyers! This spacious 3 bedroom 1 bath townhome is priced to sell. Close to shopping, public transportation, and all commuter routes. Centrally located close to Downtown, Inner Harbor, and stadiums.

13. 2007-05-09
    soldstatus $115,000
14. 2007-02-20
    soldstatus $115,000
15. 2007-01-24
    historical
16. 2006-10-24
    listed $114,999
17. 2005-06-27
    soldstatus $79,000
18. 2005-06-27
    soldstatus $79,000
19. 2005-05-01
    historical
20. 2005-04-22
    listed $78,500
21. 1986-09-23
    soldstatus $13,500

ⓘ 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: $2,142 · $179/mo
• Projected year-2 tax: $2,142 · $179/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 · 15 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

Taxation est. · year 1

• Rental income: $21,008
• − Mortgage interest: −$7,837
• − Property taxes: −$2,142
• − Insurance: −$700
• − Repairs & maintenance: −$1,681
• − Management: −$1,681
• − Depreciation: −$4,070
• Taxable income: $2,898
• Est. tax owed @ 24.0%: −$696
• After-tax cash flow: $4,255/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): 46,679
• Household income: $60,047
• Rent vs Own: 43.1% rent · 56.9% 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%
• 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
▸Utilities	1	$25B
▸Hotels	1	$24B
▸Consumer Goods	1	$7B
▸Real Estate	1	$6B
▸Chemicals	1	$2B

Price history

+936.3% since first listed

21 events — show timeline

• 2026-05-14 Relisted — BRIGHT MLS
• 2026-05-01 Pending — BRIGHT MLS
• 2026-02-06 Price Changed $139,900 BRIGHT MLS
• 2026-01-02 Price Changed $150,000 BRIGHT MLS
• 2025-12-11 Listed $170,000 BRIGHT MLS
• 2025-12-08 Coming Soon $170,000 BRIGHT MLS
• 2010-08-31 Sold (MLS) $35,000 MRIS
• 2010-08-31 Sold (MLS) $35,000 BRIGHT MLS
• 2010-07-26 Pending — MRIS
• 2010-07-22 Listing Removed — BRIGHT MLS
• 2010-07-16 Listed $43,400 MRIS
• 2010-07-16 Listed $43,400 BRIGHT MLS
• 2007-05-09 Sold (Public Records) $115,000 Public Records
• 2007-02-20 Sold (MLS) $115,000 MRIS
• 2007-01-24 Delisted — MRIS
• 2006-10-24 Listed $114,999 MRIS
• 2005-06-27 Sold (Public Records) $79,000 Public Records
• 2005-06-27 Sold (MLS) $79,000 MRIS
• 2005-05-01 Delisted — MRIS
• 2005-04-22 Listed $78,500 MRIS
• 1986-09-23 Sold (Public Records) $13,500 Public Records

Property tax history

+0.1%/yr

Latest (2025): $2,142 · +11.1% YoY. Source: county tax records.