8018 Sagramore Rd · Rosedale, MD 21237

$170,000

4 bd · 1.5 ba · 1,689 sqft · SingleFamily public records · 7 Days on market

Built 1974 6,490 sqft lot

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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
• 1% rule +10.0/10.0
• DSCR +10.0/10.0
• ARV discount +7.5/15.0
• Livability +4.0/5.0
• Rent growth +3.7/5.0
• Condition / age +2.5/5.0
• Schools +2.3/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

DIRECT ALL QUESTIONS TO ALTERNATE AGENT. Charming Cape Cod home with four bedrooms, two full baths, a driveway, and a finished basement! Energy efficient windows and central AC and furnace were installed around 2011! Come see it today!

Key facts

• 6,490 sq ft lot
• Built 1974
• Listed 7 days

Property features AI

Exterior

• Parking: Driveway; On-street parking
• Utilities: Public water; Public sewer; Electric cooling fuel; Natural gas heating and hot water
• Home design: Detached structure; Brick construction; Composite roof; Permanent foundation; Below-average condition
• Construction: Brick exterior; Composite roof; Permanent foundation; Above-grade and below-grade structures
• Exterior features: Awning(s); Patio(s)

Interior

• Kitchen: Gas range/oven; Refrigerator
• Bedrooms: Two bedrooms on the main level; Two bedrooms on the first upper level
• Bathrooms: One full bathroom (main level); One half bathroom (lower level)
• Heating & cooling: Forced-air heating (natural gas); Central air conditioning (electric); Natural gas hot water
• Interior features: Dry wall ceilings and walls; Living room, family room, and bonus room; One fireplace
• Laundry & utility: Front-loading washer and dryer

What this means for you Summary

Snapshot

• This is a 4-bed/1.5-bath single-family listed at $170k.

Deal economics

• At list price, monthly cash flow is $746 ($9k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($3k rent vs $170k).
• Cap rate 11.6% vs local median 4.9% in Rosedale — 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 81/100 on livability (#37 in MD, #1,338 nationally) — a professional / high-income tenant draw. Strengths: commute A+, housing A+, health & safety A+; Watch: crime F.
• Baltimore County Public Schools (suburban): math 15% / reading 34% proficiency, ranked #11 of 24 in MD (top 46%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover.
• Market conditions: Rents rising fast (+5.0%/yr); 101 active listings in the ZIP; 15 comparable units currently listed for rent nearby; rentals at typical pace (median 24d on market — plan ~3-4 weeks tenant-placement turnaround); 40% of comp listings sitting > 30 days — soft ceiling on asking rent; solid renter incomes; 1,511 units permitted in Baltimore County in 2024 (643 in 5+ unit buildings).
• This rent runs 34% of the median local income ($92k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $1k of loan paydown is wiped out by about $5k of value loss. Plan a longer hold.
• Baltimore County population projected at +12% by 2050 — modest demand growth; plan on rents tracking national, not racing it.
• At projected returns (-3.0% appreciation + 5.0% rent growth), your $48k cash investment doubles in ~6 years — after that, you're playing with house money.

Negotiation context

• Only 7 days on market — expect competitive offers; lowballing is unlikely to land.
• 3 sale attempts since 24y ago; this cycle's ask has dropped $10k (6%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Risks & watch-outs

• Climate carrying-cost: major wind risk, 27% chance of damaging wind over 30y; extreme-heat days projected 7→15/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $170,000

Questions for the listing agent

1. Built in 1974 — 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. 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?
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: 1.52% ✓
• Cap rate: 11.56%
• Cash-on-cash: 18.82%
• DSCR: 1.84
• GRM: 5.5

CMA / ARV

• ARV (on-the-fly): $346,245
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
8007 Sagramore Rd	0.08mi	4/1.5	1,692 (+0%)	2mo	$370,000	$219	94
8029 Neighbors Ave	0.09mi	4/2.0	1,692 (+0%)	1mo	$339,000	$200	92
8020 Neighbors Ave	0.11mi	4/2.5	1,759 (+4%)	8mo	$360,000	$205	77
8022 Neighbors Ave	0.11mi	3/2.5 (-1)	1,576 (-7%)	6mo	$365,000	$232	69
7932 Philadelphia Rd	0.54mi	4/2.5	1,740 (+3%)	2mo	$360,000	$207	65
7 Weyhill Ct	0.49mi	3/1.5 (-1)	1,668 (-1%)	9mo	$330,000	$198	62
7927 Underhill Rd	0.38mi	4/3.0	1,745 (+3%)	10mo	$335,000	$192	62
8100 Old Philadelphia Rd	0.49mi	4/2.5	1,868 (+11%)	6mo	$325,000	$174	50
5543 Lanham Way	0.56mi	5/2.0 (+1)	1,872 (+11%)	3mo	$417,500	$223	46
5617 Daybreak Ter	0.67mi	3/2.0 (-1)	1,572 (-7%)	10mo	$385,000	$245	42
1814 Weyburn Rd	0.74mi	3/1.5 (-1)	1,884 (+12%)	4mo	$265,000	$141	38
8426 Coco Rd	0.70mi	4/3.0	1,869 (+11%)	10mo	$359,900	$193	35

Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.

Projected returns pro-forma

-3.0% appreciation · 4.97% rent growth · sell at horizon

5-year hold

• IRR: 13.0%
• Equity multiple: 1.53×
• Total profit: $25,319
• Equity at exit: $25,348

10-year hold

• IRR: 23.5%
• Equity multiple: 3.23×
• Total profit: $105,985
• Equity at exit: $14,698

Cash invested: $47,600 (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 21237

• Rents YoY: 5.0%
• Active inventory: 101
• Price-to-rent: 5.5×

Monthly cashflow live

• Estimated rent: $2,579 high
• Mortgage (P&I): −$891
• Tax from tax record: −$329 /mo · $3,944/yr
• Insurance: −$71
• HOA: −$0
• Vacancy / Maint / Mgmt: −$542
• Net cashflow: $746

Break-even live

Break-even rent $1,634

Max offer price $170,000

Occupancy floor 66%

UW: 25.0% down · 7.5% · 30yr · 1.5% tax · 5.0% vac · 8.0% maint · 8.0% mgmt

Financing live

Cash to close

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

Rent comps 15 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
8006 Woodhaven Ct Rosedale, MD	4.0	3.0	1680	$3,200	$1.90	23d	1	0.21mi
8212 Dorset Ave Rosedale, MD	4.0	1.5	1479	$2,250	$1.52	43d	1	0.24mi
1732 Chesaco Ave Rosedale, MD	3.0	1.0	1260	$2,295	$1.82	43d	1	0.29mi
8133 Bartholomew Ct Baltimore, MD	3.0	2.5	1600	$2,700	$1.69	23d	1	0.50mi
2009 Longview Ave Rosedale, MD	3.0	2.0	1062	$2,500	$2.35	14d	1	0.85mi
5248 Darien Rd Baltimore, MD	3.0	1.0	1584	$2,100	$1.33	43d	1	0.93mi
6512 Golden Ring Rd Rosedale, MD	4.0	3.0	1089	$2,800	$2.57	16d	1	0.95mi
5253 Cedgate Rd Unit 1 Baltimore, MD	3.0	1.5	1152	$2,200	$1.91	43d	1	0.96mi
32 Tameron Pl Rosedale, MD	3.0	2.5	1720	$2,300	$1.34	2d	1	1.07mi
5611 Force Rd Baltimore, MD	3.0	1.5	1296	$1,850	$1.43	43d	1	1.22mi
4905 Greencrest Rd Baltimore, MD	3.0	1.5	1536	$1,950	$1.27	43d	1	1.22mi
5313 Todd Ave Baltimore, MD	3.0	1.5	1280	$1,800	$1.41	16d	1	1.25mi
5938 Clayton Ave Baltimore, MD	4.0	2.0	1296	$2,872	$2.22	16d	1	1.30mi
30 Morning Ct Rosedale, MD	3.0	3.5	1980	$3,350	$1.69	17d	1	1.33mi
4924 Frankford Ave Baltimore, MD	4.0	2.0	1176	$2,600	$2.21	23d	1	1.47mi

Listing history 7 events

1. 2026-06-15
   status $170,000 Pending 7 DOM
2. 2026-06-15
   days on market $170,000 Active 7 DOM
3. 2026-06-13
   days on market $170,000 Active 5 DOM
4. 2026-06-09
   statusdays on market $170,000 Active 1 DOM
5. 2026-06-08
   days on market $170,000 Coming Soon 4 DOM
6. 2026-06-07
   remarks 693-char remark
7. 2026-06-07
   listed $170,000 Coming Soon 3 DOM

ⓘ 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: $3,944 · $329/mo
• Projected year-2 tax: $3,944 · $329/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 8/10 Severe 7 d/yr ≥103°F today · 15 d/yr by 30 yrs out
• 💨 Wind 6/10 Major 27% chance of damaging wind over 30 yrs
• 🫁 Air quality 5/10 Major 6 unhealthy d/yr today · 8 by 30 yrs out

Taxation est. · year 1

• Rental income: $30,949
• − Mortgage interest: −$9,523
• − Property taxes: −$3,944
• − Insurance: −$850
• − Repairs & maintenance: −$2,476
• − Management: −$2,476
• − Depreciation: −$4,945
• Taxable income: $6,735
• Est. tax owed @ 24.0%: −$1,616
• After-tax cash flow: $7,341/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 County Public Schools
• NCES district ID: 2400120
• Math proficiency: 15% ▼ -16.00%
• Reading proficiency: 34% ▼ -5.00%
• Median HH income: $66,746
• Composite: 23.17/100
• National rank: #7948
• State rank: #11 of 24 in MD

Livability — Rosedale

• Score: 81/100
• State rank: #37
• US rank: #1338

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Rosedale, MD
• County: Baltimore County · 769,527 people
• City population: 30,851
• Metro: Baltimore-Columbia-Towson, MD
• Population (ZIP): 31,425
• Household income: $91,693
• Rent vs Own: 37.9% rent · 62.1% own
• Severe rent burden: 887.0

Population outlook (Baltimore County) Hauer SSP2

• Today (2025): 885,518 people
• By 2030: 909,272 · +2.7%
• By 2040: 951,547 · +7.5%
• By 2050: 990,955 · +11.9%
• By 2075: 1,086,411 · +22.7%
• By 2100: 1,135,078 · +28.2%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Diverse neighborhood (Simpson 0.66)
• Race & ethnicity: White 42% Black 38% Hispanic / Latino 9% Asian 7% Two or more races 5%
• Hispanic origin (detail): Mexican 1% Puerto Rican 2% Cuban 1%
• Common ancestry: Romanian 5% Lithuanian 1% Slovak 1%
• Foreign-born: 17% · Canada, India, South Korea
• Languages at home: 78% English-only · Spanish 7% Other Indo-European 4% Tagalog/Filipino 2%

Political lean MEDSL · Baltimore

• 2024 margin: Strong D (+24.5) · D 61.0% · R 36.5% · Other 2.5%
• 2008→2024 swing: +9.9pp toward D · 2008: 14.6pp · 2024: 24.5pp
• All cycles: 2024: D+24.5 2020: D+27.0 2016: D+17.4 2012: D+16.4 2008: D+14.6

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -151.40%
• Current HPI: 242.8057
• Rent YoY: ▲ 4.97%
• 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

+486.2% since first listed

14 events — show timeline

• 2026-06-04 Coming Soon $170,000 BRIGHT MLS
• 2018-06-15 Sold (Public Records) $185,000 Public Records
• 2018-05-25 Sold (MLS) $185,000 BRIGHT MLS
• 2018-05-25 Sold (MLS) $185,000 MRIS
• 2018-04-21 Pending — BRIGHT MLS
• 2018-04-21 Pending — MRIS
• 2018-04-02 Listed $179,900 BRIGHT MLS
• 2018-04-02 Listed $179,900 MRIS
• 2003-04-22 Sold (Public Records) $139,900 Public Records
• 2003-03-28 Sold (MLS) $139,900 MRIS
• 2003-02-25 Delisted — MRIS
• 2002-10-17 Listed $139,900 MRIS
• 1989-03-15 Sold (Public Records) $92,500 Public Records
• 1974-06-18 Sold (Public Records) $29,000 Public Records

Property tax history

+4.7%/yr

Latest (2025): $3,944 · +7.9% YoY. Source: county tax records.