2916 Ridgewood Ave · Baltimore, MD
Flood risk 4/10 · Minor
- FEMA flood zone
- X (unshaded)
- Chance of flooding over 30 yrs
- 0.21%
- 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 104°F)
- 7 days/yr
- Hot days in 30 yrs
- 15 days/yr
Wind risk 6/10 · Moderate
- Chance of severe wind over 30 yrs
- 27.0%
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
- DSCR +10.0/10.0
- 1% rule +8.8/10.0
- Livability +3.8/5.0
- Rent growth +3.1/5.0
- Condition / age +2.5/5.0
- Schools +1.0/10.0
- Appreciation +0.0/10.0
$120,000
🖨 Deal sheet 📄 Offer letter ✓ Due diligence
Listing remarks MLS
Back on the market with a price improvement to $120,000! Licensed rooming house in Lucille Park with existing rental income in place and additional upside through two currently vacant rooms ready for immediate rental. Updated kitchen with newer cabinets, countertops and appliances, refreshed flooring throughout, central heat and air, and Baltimore City Rental License through December 2027. Strong opportunity for an investor seeking cash flow and value-add potential. Ground rent $90 semi-annually. Sold strictly as-is. Seller closing cost assistance available.
Key facts
- Built 1920
- Listed 78 days
Neighborhood map
What this means for you Summary
Snapshot
- This is a 3-bed/2.0-bath townhouse listed at $120k.
Deal economics
- At list price, monthly cash flow is $503 ($6k/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: $113k (6.0% below list) — sets the bar for market timing.
- Cap rate 11.3% 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 (+2.4%/yr); 351 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); 48% of comp listings sitting > 30 days — soft ceiling on asking rent; 1,273 units permitted in Baltimore city in 2024 (1,104 in 5+ unit buildings).
- This rent runs 39% of the median local income ($52k/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 + 2.4% rent growth), your $34k cash investment doubles in ~7 years — after that, you're playing with house money.
Negotiation context
- It's been on market 79 days — a 6% lower offer ($113k) is reasonable based on typical stale-listing flexibility.
- 5 sale attempts since 3y ago; this cycle's ask has dropped $10k (8%) from the opening price — seller is motivated, your offer sets the floor, not the list.
- Current owner paid $85k; 41% above their basis — modest negotiation headroom, anchor on the comps not their cost.
Risks & watch-outs
- Watch-outs: built in 1920 — expect roof / HVAC / electrical / plumbing capex.
- 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.
Questions for the listing agent
- It's been on market 79 days. Have you received any prior offers? Is the seller open to a 6% concession, seller financing, or rate buy-down credit?
- Built in 1920 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
- Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
- 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
- 1.38% ✓
- Cap rate
- 11.33%
- Cash-on-cash
- 17.98%
- DSCR
- 1.80
- GRM
- 6.0
CMA / ARV
- ARV (median comp)
- $194,103
- List price
- $120,000
- Delta
- -38.18%
- Verdict
- UNDERPRICED
- Comps
- 20 within 1.0 mi
Show comp detail 12 sales within ~0.75 mi
| Address | Dist | Beds/Ba | Sqft | Sold | Price | $/sf | Match |
|---|---|---|---|---|---|---|---|
| 3824 Beehler Ave | 0.29mi | 3/1.5 | 1,080 (-2%) | 3mo | $88,000 | $81 | 79 |
| 3709 Columbus Dr | 0.27mi | 3/1.5 | 1,200 (+9%) | 0mo | $133,900 | $112 | 70 |
| 3912 Reisterstown Rd | 0.60mi | 3/1.5 | 1,100 (0%) | 1mo | $55,000 | $50 | 69 |
| 3906 Grantley Rd | 0.41mi | 3/1.5 | 1,178 (+7%) | 1mo | $127,000 | $108 | 66 |
| 2904 Virginia Ave | 0.60mi | 3/1.5 | 1,116 (+2%) | 2mo | $202,000 | $181 | 66 |
| 4927 Edgemere Ave | 0.43mi | 2/1.0 (-1) | 1,080 (-2%) | 3mo | $95,000 | $88 | 66 |
| 3716 Columbus Dr | 0.25mi | 4/2.0 (+1) | 1,200 (+9%) | 3mo | $242,000 | $202 | 66 |
| 3701 Columbus Dr | 0.26mi | 3/1.0 | 1,200 (+9%) | 4mo | $108,000 | $90 | 66 |
| 3823 Cottage Ave | 0.75mi | 3/1.0 | 1,140 (+4%) | 3mo | $118,000 | $104 | 53 |
| 3918 Dolfield Ave | 0.55mi | 3/1.5 | 1,216 (+10%) | 5mo | $200,000 | $164 | 50 |
| 3841 Boarman Ave | 0.58mi | 3/2.0 | 1,249 (+14%) | 5mo | $52,250 | $42 | 46 |
| 5010 Chalgrove Ave | 0.71mi | 2/1.0 (-1) | 1,190 (+8%) | 5mo | $72,500 | $61 | 40 |
Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.
Projected returns pro-forma
-3.0% appreciation · 2.41% rent growth · sell at horizon
- IRR
- 8.9%
- Equity multiple
- 1.35×
- Total profit
- $11,653
- Equity at exit
- $17,892
- IRR
- 17.6%
- Equity multiple
- 2.41×
- Total profit
- $47,514
- 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 21215
- Rents YoY
- 2.4%
- Active inventory
- 351
- Price-to-rent
- 6.0×
Monthly cashflow live
- Estimated rent
- $1,658 high interval (Pro) →
- Mortgage (P&I)
- −$629
- Tax from tax record
- −$127 /mo · $1,529/yr
- Insurance
- −$50
- HOA
- −$0
- Vacancy / Maint / Mgmt
- −$348
- Net cashflow
- $503
Break-even live
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 |
|---|---|---|---|---|---|---|---|---|
| 4230 Towanda Ave Baltimore, MD | 3.0 | 2.0 | 1400 | $1,800 | $1.29 | 17d | 1 | 0.29mi |
| 3784 Columbus Dr Baltimore, MD | 4.0 | 2.0 | 1250 | $2,200 | $1.76 | 23d | 1 | 0.32mi |
| 3735 Manchester Ave Baltimore, MD | 2.0 | 1.0 | 1000 | $1,350 | $1.35 | 4d | 1 | 0.32mi |
| 4828 Beaufort Ave Baltimore, MD | 2.0 | 2.5 | 1200 | $1,850 | $1.54 | 23d | 1 | 0.38mi |
| 2915 Oakford Ave Baltimore, MD | 3.0 | 2.0 | 1102 | $1,600 | $1.45 | 17d | 1 | 0.48mi |
| 4037 Edgewood Rd Unit 1 Baltimore, MD | 2.0 | 1.0 | 726 | $1,100 | $1.52 | 43d | 1 | 0.49mi |
| 2619 Loyola Northway Baltimore, MD | 3.0 | 2.0 | 1400 | $1,995 | $1.43 | 23d | 1 | 0.51mi |
| 3904 Penhurst Ave Baltimore, MD | 2.0 | 1.0 | 760 | $1,175 | $1.55 | 43d | 1 | 0.53mi |
| 5000 Litchfield Ave #1 Baltimore, MD | 2.0 | 1.0 | 1100 | $1,100 | $1.00 | 43d | 1 | 0.54mi |
| 4008 Hilton Rd Unit 1st Fl Baltimore, MD | 2.0 | 1.0 | 750 | $1,295 | $1.73 | 43d | 1 | 0.55mi |
| 3016 Thorndale Ave Baltimore, MD | 1.0–3.0 | 1.0 | 700 | $1,200 | $1.71 | 4d | 14 | 0.55mi |
| 2824 Edgecombe Cir S Baltimore, MD | 2.0 | 2.0 | 950 | $1,475 | $1.55 | 21d | 1 | 0.59mi |
| 2454 W Cold Spring Ln Baltimore, MD | 3.0 | 1.0 | 1200 | $1,650 | $1.38 | 23d | 1 | 0.61mi |
| 3908 Groveland Ave Apt F Baltimore, MD | 2.0 | 1.0 | 815 | $1,695 | $2.08 | 43d | 1 | 0.71mi |
| 2415 Loyola Southway Baltimore, MD | 3.0 | 1.5 | 1200 | $2,033 | $1.69 | 43d | 1 | 0.71mi |
| 3508 Grantley Rd Baltimore, MD | 2.0 | 1.0 | 1250 | $1,350 | $1.08 | 23d | 1 | 0.76mi |
| 4010 Fernhill Ave Unit 2 Baltimore, MD | 2.0 | 1.0 | 1100 | $1,500 | $1.36 | 43d | 1 | 0.77mi |
| 3822 Pall Mall Rd Baltimore, MD | 3.0 | 1.5 | 1320 | $1,875 | $1.42 | 43d | 1 | 0.78mi |
| 3701 Garrison Blvd Unit 3 Baltimore, MD | 2.0 | 1.0 | 820 | $1,399 | $1.71 | 23d | 1 | 0.79mi |
| 4714 Greenspring Ave Baltimore, MD | 2.0 | 1.0 | 890 | $1,295 | $1.46 | 43d | 1 | 0.80mi |
| 2530 Edgecombe Cir N Baltimore, MD | 2.0–3.0 | 1.0 | 920 | $1,325 | $1.44 | 2d | 4 | 0.81mi |
| 5115 Pembridge Ave Baltimore, MD | 3.0 | 2.0 | 1088 | $2,150 | $1.98 | 43d | 1 | 0.84mi |
| 3600 Garrison Blvd Apt T1 Baltimore, MD | 2.0 | 1.0 | 800 | $1,125 | $1.41 | 2d | 1 | 0.87mi |
| 3600 Garrison Blvd Unit T2 Baltimore, MD | 2.0 | 1.0 | 750 | $1,149 | $1.53 | 23d | 1 | 0.87mi |
| 4910 Poe Ave Unit 2 Baltimore, MD | 2.0 | 1.0 | 750 | $990 | $1.32 | 23d | 1 | 0.89mi |
| 5301 Maple Ave Baltimore, MD | 3.0 | 1.0 | 960 | $1,700 | $1.77 | 43d | 1 | 0.91mi |
| 5343 Nelson Ave Baltimore, MD | 2.0 | 1.0 | 1000 | $1,215 | $1.22 | 23d | 1 | 0.95mi |
| 5340 Maple Ave Baltimore, MD | 2.0 | 1.0 | 1200 | $1,950 | $1.62 | 43d | 1 | 0.95mi |
| 4936 Lanier Ave Baltimore, MD | 1.0–2.0 | 1.0 | 750 | $1,370 | $1.83 | 2d | 5 | 0.96mi |
| 3915 Liberty Heights Ave Gwynn Oak, MD | 1.0–2.0 | 1.0–2.0 | 680 | $1,345 | $1.98 | 12d | 5 | 1.04mi |
| 3617 Mohawk Ave Baltimore, MD | 2.0 | 1.0 | 1000 | $1,595 | $1.59 | 43d | 1 | 1.18mi |
| 3615 Mohawk Ave Gwynn Oak, MD | 2.0 | 1.0 | 1000 | $1,610 | $1.61 | 43d | 1 | 1.18mi |
| 2001 W Cold Spring Ln Baltimore, MD | 1.0–3.0 | 1.0–2.0 | 1154 | $3,505 | $3.04 | 1d | 31 | 1.25mi |
| 2080 Rockrose Ave Unit 2080-201 Baltimore, MD | 2.0 | 2.0 | 1080 | $2,100 | $1.94 | 23d | 1 | 1.28mi |
| 2905 Garrison Blvd Unit 21 Baltimore, MD | 2.0 | 1.0 | 800 | $1,175 | $1.47 | 43d | 1 | 1.28mi |
| 3912 Mortimer Ave Baltimore, MD | 3.0 | 2.0 | 1204 | $2,723 | $2.26 | 43d | 1 | 1.29mi |
| 3632 Parkdale Ave Baltimore, MD | 3.0 | 1.0 | 1400 | $3,000 | $2.14 | 43d | 1 | 1.31mi |
| 2078 Druid Park Dr Baltimore, MD | 2.0 | 3.0 | 1500 | $2,500 | $1.67 | 43d | 1 | 1.35mi |
| 2078 Druid Park Dr Unit 4 Baltimore, MD | 2.0 | 2.5 | 1500 | $2,500 | $1.67 | 43d | 1 | 1.36mi |
| 3403 Carlisle Ave Apt 1 Baltimore, MD | 2.0 | 1.0 | 1100 | $1,600 | $1.45 | 11d | 1 | 1.38mi |
Listing history 30 events
-
2026-06-15days on market $120,000 Active 79 DOM
-
2026-06-13days on market $120,000 Active 77 DOM
-
2026-06-09days on market $120,000 Active 73 DOM
-
2026-06-08days on market $120,000 Active 72 DOM
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2026-06-07days on market $120,000 Active 71 DOM
-
2026-06-04days on market $120,000 Active 68 DOM
-
2026-06-03days on market $120,000 Active 67 DOM
-
2026-06-02days on market $120,000 Active 66 DOM
-
2026-06-01days on market $120,000 Active 65 DOM
-
2026-05-31days on market $120,000 Active 64 DOM
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2026-05-13price $120,000 564-char remark
Show marketing remark (564 chars)
Back on the market with a price improvement to $120,000! Licensed rooming house in Lucille Park with existing rental income in place and additional upside through two currently vacant rooms ready for immediate rental. Updated kitchen with newer cabinets, countertops and appliances, refreshed flooring throughout, central heat and air, and Baltimore City Rental License through December 2027. Strong opportunity for an investor seeking cash flow and value-add potential. Ground rent $90 semi-annually. Sold strictly as-is. Seller closing cost assistance available.
-
2026-05-13status Active 564-char remark
Show marketing remark (564 chars)
Back on the market with a price improvement to $120,000! Licensed rooming house in Lucille Park with existing rental income in place and additional upside through two currently vacant rooms ready for immediate rental. Updated kitchen with newer cabinets, countertops and appliances, refreshed flooring throughout, central heat and air, and Baltimore City Rental License through December 2027. Strong opportunity for an investor seeking cash flow and value-add potential. Ground rent $90 semi-annually. Sold strictly as-is. Seller closing cost assistance available.
-
2026-04-22historical 564-char remark
Show marketing remark (564 chars)
Back on the market with a price improvement to $120,000! Licensed rooming house in Lucille Park with existing rental income in place and additional upside through two currently vacant rooms ready for immediate rental. Updated kitchen with newer cabinets, countertops and appliances, refreshed flooring throughout, central heat and air, and Baltimore City Rental License through December 2027. Strong opportunity for an investor seeking cash flow and value-add potential. Ground rent $90 semi-annually. Sold strictly as-is. Seller closing cost assistance available.
-
2026-03-09$130,000 Active 564-char remark
Show marketing remark (564 chars)
Back on the market with a price improvement to $120,000! Licensed rooming house in Lucille Park with existing rental income in place and additional upside through two currently vacant rooms ready for immediate rental. Updated kitchen with newer cabinets, countertops and appliances, refreshed flooring throughout, central heat and air, and Baltimore City Rental License through December 2027. Strong opportunity for an investor seeking cash flow and value-add potential. Ground rent $90 semi-annually. Sold strictly as-is. Seller closing cost assistance available.
-
2026-02-26historical $130,000 564-char remark
Show marketing remark (564 chars)
Back on the market with a price improvement to $120,000! Licensed rooming house in Lucille Park with existing rental income in place and additional upside through two currently vacant rooms ready for immediate rental. Updated kitchen with newer cabinets, countertops and appliances, refreshed flooring throughout, central heat and air, and Baltimore City Rental License through December 2027. Strong opportunity for an investor seeking cash flow and value-add potential. Ground rent $90 semi-annually. Sold strictly as-is. Seller closing cost assistance available.
-
2024-11-07historical $875
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2024-10-06$875
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2024-08-28soldstatus $85,000
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2024-08-02soldstatus $85,000 Closed 588-char remark
Show marketing remark (588 chars)
Attention first-time homebuyers and astute investors alike! Step into this promising porch-front townhome, a haven of opportunity awaiting your personal touch. Newly renovated with pristine floors throughout, this residence beckons with the promise of a fresh start. Revel in the modernized kitchen featuring brand-new cabinets, countertops, and appliances, as well as the fully upgraded bathrooms and newer HVAC. Whether you're embarking on the journey of homeownership or seeking an investment opportunity, this property holds endless potential. Don't miss your chance to make it yours!
-
2024-06-26historical Active Under Contract 588-char remark
Show marketing remark (588 chars)
Attention first-time homebuyers and astute investors alike! Step into this promising porch-front townhome, a haven of opportunity awaiting your personal touch. Newly renovated with pristine floors throughout, this residence beckons with the promise of a fresh start. Revel in the modernized kitchen featuring brand-new cabinets, countertops, and appliances, as well as the fully upgraded bathrooms and newer HVAC. Whether you're embarking on the journey of homeownership or seeking an investment opportunity, this property holds endless potential. Don't miss your chance to make it yours!
-
2024-06-14price $99,900 588-char remark
Show marketing remark (588 chars)
Attention first-time homebuyers and astute investors alike! Step into this promising porch-front townhome, a haven of opportunity awaiting your personal touch. Newly renovated with pristine floors throughout, this residence beckons with the promise of a fresh start. Revel in the modernized kitchen featuring brand-new cabinets, countertops, and appliances, as well as the fully upgraded bathrooms and newer HVAC. Whether you're embarking on the journey of homeownership or seeking an investment opportunity, this property holds endless potential. Don't miss your chance to make it yours!
-
2024-05-30price $110,000 588-char remark
Show marketing remark (588 chars)
Attention first-time homebuyers and astute investors alike! Step into this promising porch-front townhome, a haven of opportunity awaiting your personal touch. Newly renovated with pristine floors throughout, this residence beckons with the promise of a fresh start. Revel in the modernized kitchen featuring brand-new cabinets, countertops, and appliances, as well as the fully upgraded bathrooms and newer HVAC. Whether you're embarking on the journey of homeownership or seeking an investment opportunity, this property holds endless potential. Don't miss your chance to make it yours!
-
2024-05-02price $125,000 588-char remark
Show marketing remark (588 chars)
Attention first-time homebuyers and astute investors alike! Step into this promising porch-front townhome, a haven of opportunity awaiting your personal touch. Newly renovated with pristine floors throughout, this residence beckons with the promise of a fresh start. Revel in the modernized kitchen featuring brand-new cabinets, countertops, and appliances, as well as the fully upgraded bathrooms and newer HVAC. Whether you're embarking on the journey of homeownership or seeking an investment opportunity, this property holds endless potential. Don't miss your chance to make it yours!
-
2024-04-13$135,000 Active 588-char remark
Show marketing remark (588 chars)
Attention first-time homebuyers and astute investors alike! Step into this promising porch-front townhome, a haven of opportunity awaiting your personal touch. Newly renovated with pristine floors throughout, this residence beckons with the promise of a fresh start. Revel in the modernized kitchen featuring brand-new cabinets, countertops, and appliances, as well as the fully upgraded bathrooms and newer HVAC. Whether you're embarking on the journey of homeownership or seeking an investment opportunity, this property holds endless potential. Don't miss your chance to make it yours!
-
2024-04-13historical $135,000 588-char remark
Show marketing remark (588 chars)
Attention first-time homebuyers and astute investors alike! Step into this promising porch-front townhome, a haven of opportunity awaiting your personal touch. Newly renovated with pristine floors throughout, this residence beckons with the promise of a fresh start. Revel in the modernized kitchen featuring brand-new cabinets, countertops, and appliances, as well as the fully upgraded bathrooms and newer HVAC. Whether you're embarking on the journey of homeownership or seeking an investment opportunity, this property holds endless potential. Don't miss your chance to make it yours!
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2023-12-28soldstatus $63,250
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2023-12-08soldstatus $63,250 Closed
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2023-11-18status Pending
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2023-11-06$35,000 Active
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2021-10-12soldstatus $103,000
ⓘ 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
- $1,529 · $127/mo
- Projected year-2 tax
- $1,529 · $127/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 4/10 Moderate FEMA zone X (unshaded) · 21% chance over 30 yrs
- Wildfire 1/10 Low
- Heat 7/10 Severe 7 d/yr ≥104°F today · 15 d/yr by 30 yrs out
- Wind 6/10 Major 27% 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
- $19,902
- − Mortgage interest
- −$6,722
- − Property taxes
- −$1,529
- − Insurance
- −$600
- − Repairs & maintenance
- −$1,592
- − Management
- −$1,592
- − Depreciation
- −$3,491
- Taxable income
- $4,375
- Est. tax owed @ 24.0%
- −$1,050
- After-tax cash flow
- $4,992/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)
- 52,229
- Household income
- $51,587
- Rent vs Own
- Severe rent burden
- 3644.0
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 17% Hispanic / Latino 5% Two or more races 4% Asian 1%
- Common ancestry
- Scotch-Irish 2% Romanian 2% Italian 1%
- Foreign-born
- 9% · Canada, South Korea
- Languages at home
- 91% English-only · Spanish 4% French/Haitian/Cajun 1% Other Indo-European 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
- ▼ -318.58%
- Current HPI
- 291.4926
- Rent YoY
- ▲ 2.41%
- 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
+16.5% since first listed20 events — show timeline
- 2026-05-13 Price Changed $120,000 BRIGHT MLS
- 2026-05-13 Relisted — BRIGHT MLS
- 2026-04-22 Listing Removed — BRIGHT MLS
- 2026-03-09 Listed $130,000 BRIGHT MLS
- 2026-02-26 Coming Soon $130,000 BRIGHT MLS
- 2024-11-07 Rental Removed $875 Avail
- 2024-10-06 Listed for Rent $875 Avail
- 2024-08-28 Sold (Public Records) $85,000 Public Records
- 2024-08-02 Sold (MLS) $85,000 BRIGHT MLS
- 2024-06-26 Contingent — BRIGHT MLS
- 2024-06-14 Price Changed $99,900 BRIGHT MLS
- 2024-05-30 Price Changed $110,000 BRIGHT MLS
- 2024-05-02 Price Changed $125,000 BRIGHT MLS
- 2024-04-13 Listed $135,000 BRIGHT MLS
- 2024-04-13 Coming Soon $135,000 BRIGHT MLS
- 2023-12-28 Sold (Public Records) $63,250 Public Records
- 2023-12-08 Sold (MLS) $63,250 BRIGHT MLS
- 2023-11-18 Pending — BRIGHT MLS
- 2023-11-06 Listed $35,000 BRIGHT MLS
- 2021-10-12 Sold (Public Records) $103,000 Public Records
Property tax history
+5.3%/yrLatest (2025): $1,529 · +21.2% YoY. Source: county tax records.
Cash-flow waterfall
monthlySold comps — $/sqft
last 12 mo · ≤1 miLoading sold comps…