7842 Saint Bridget Ln · Dundalk, MD 21222

$189,900

3 bd · 1.0 ba · 1,234 sqft · Townhouse public records · 55 Days on market

Built 1956 1,742 sqft lot $154/sqft · at area comps Est $191k · 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 +23.4/30.0
• ARV discount +7.7/15.0
• DSCR +7.5/10.0
• 1% rule +5.8/10.0
• Livability +4.2/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Schools +2.3/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

Beautifully Maintained and Move-In Ready Under $200K! Step into this charming row home featuring upgraded counters and luxury vinyl plank flooring throughout the main level, with gleaming hardwood floors in the bedrooms. The spa-like walk-in shower adds a touch of modern elegance. Enjoy the bonus room off the kitchen, perfect for an office or cozy den, which opens to your private, fenced backyard—ideal for relaxing or entertaining. A fantastic opportunity for a first-time home buyer or someone looking to downsize, this move-in ready home combines comfort, style, and value in one perfect package.

Key facts

• Parking
• Built 1956
• Listed 55 days

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath townhouse listed at $190k.

Deal economics

• At list price, monthly cash flow is $350 ($4k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $190k).
• Recommended offer: $184k (3.0% below list) — sets the bar for market timing.
• Cap rate 8.5% vs local median 6.2% in Dundalk — 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 85/100 on livability (#16 in MD, #510 nationally) — a professional / high-income tenant draw. Strengths: amenities A+, commute A+, housing 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 soft (-0.1%/yr); 236 active listings in the ZIP; 28 comparable units currently listed for rent nearby; rentals at typical pace (median 15d on market — plan ~3-4 weeks tenant-placement turnaround); 1,511 units permitted in Baltimore County in 2024 (643 in 5+ unit buildings).
• This rent runs 39% of the median local income ($64k/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 $6k 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.

Negotiation context

• It's been on market 55 days — a 3% lower offer ($184k) is reasonable based on typical stale-listing flexibility.
• 2 sale attempts since 2y ago; this cycle's ask has dropped $10k (5%) from the opening price — seller is motivated, your offer sets the floor, not the list.
• Current owner paid $110k; list at $190k implies a 73% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: built in 1956 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: major wind risk, 60% 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.

Recommended offer $184,203 (3.0% below list)

Questions for the listing agent

1. It's been on market 55 days. Have you received any prior offers? Is the seller open to a 3% concession, seller financing, or rate buy-down credit?
2. Built in 1956 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. Schools are A-rated — typically a magnet for longer-tenancy family renters. What's the average tenant stay here, and is there a school-zone premium baked into asking?
5. 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?
6. 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.
7. 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.
8. 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: 1.08% ✓
• Cap rate: 8.51%
• Cash-on-cash: 7.90%
• DSCR: 1.35
• GRM: 7.7

CMA / ARV

• ARV (median comp): $190,856
• List price: $189,900
• Delta: -0.50%
• Verdict: FAIR
• Comps: 20 within 1.0 mi

Show comp detail 7 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
7819 Saint Bridget Ln	0.06mi	3/1.0	1,280 (+4%)	3mo	$219,900	$172	89
7904 Saint Monica Dr	0.14mi	3/1.0	1,144 (-7%)	4mo	$130,000	$114	78
7842 Saint Boniface Ln	0.11mi	3/1.0	1,319 (+7%)	7mo	$170,000	$129	78
7878 Saint Fabian Ln	0.12mi	3/1.5	1,280 (+4%)	12mo	$230,000	$180	76
7837 Saint Boniface Ln	0.08mi	3/2.0	1,280 (+4%)	15mo	$222,500	$174	74
7966 Saint Claire Ln	0.20mi	3/1.5	1,408 (+14%)	9mo	$195,000	$138	57
7846 Saint Gregory	0.05mi	3/2.0	1,404 (+14%)	21mo	$245,000	$175	53

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 · 0.0% rent growth · sell at horizon

5-year hold

• IRR: -7.6%
• Equity multiple: 0.73×
• Total profit: $-14,495
• Equity at exit: $28,315

10-year hold

• IRR: -2.3%
• Equity multiple: 0.86×
• Total profit: $-7,196
• Equity at exit: $16,419

Cash invested: $53,172 (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 21222

• Rents YoY: -0.1%
• Active inventory: 236
• Price-to-rent: 7.7×

Monthly cashflow live

• Estimated rent: $2,060 high
• Mortgage (P&I): −$996
• Tax from tax record: −$202 /mo · $2,429/yr
• Insurance: −$79
• HOA: −$0
• Vacancy / Maint / Mgmt: −$433
• Net cashflow: $350

Break-even live

Break-even rent $1,617

Max offer price $189,900

Occupancy floor 78%

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: $47,475
• Closing costs: $5,697
• Reserves months: —
• Total cash needed: —

Rent comps 28 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
7860 Saint Bridget Ln Dundalk, MD	4.0	1.0	1216	$2,300	$1.89	24d	1	0.04mi
7860 Saint Claire Ln Dundalk, MD	3.0	2.0	1024	$2,200	$2.15	5d	1	0.08mi
7851 Saint Fabian Ln Dundalk, MD	3.0	1.0	1024	$1,595	$1.56	44d	1	0.11mi
7863 Saint Fabian Ln Dundalk, MD	3.0	2.0	1424	$1,950	$1.37	5d	1	0.11mi
4004 St Monica Dr Unit 1 Dundalk, MD	3.0	1.0	1024	$1,895	$1.85	5d	1	0.27mi
4004 Saint Monica Dr Dundalk, MD	3.0	1.0	1024	$1,925	$1.88	5d	1	0.27mi
7412 Saint Patricia Ct Dundalk, MD	4.0	2.0	1024	$2,800	$2.73	18d	1	0.32mi
11 Seabright Ave Dundalk, MD	3.0	1.0	948	$1,874	$1.98	15d	1	0.59mi
1610 Melbourne Rd Dundalk, MD	1.0–2.0	1.0	664	$1,240	$1.87	12d	1	0.72mi
8146 Del Haven Rd Dundalk, MD	3.0	2.0	1424	$2,700	$1.90	16d	1	0.88mi
3413 Wallford Dr Dundalk, MD	3.0	2.0	1016	$2,000	$1.97	44d	1	0.97mi
3427 North Point Rd Dundalk, MD	3.0	1.0	1008	$2,250	$2.23	20d	1	0.99mi
1925 Jasmine Rd Dundalk, MD	3.0	1.5	1024	$1,825	$1.78	11d	1	1.00mi
2004 Larkhall Rd Dundalk, MD	3.0	1.0	1024	$1,500	$1.46	44d	1	1.03mi
3314 Wallford Dr Dundalk, MD	3.0	1.0	1258	$1,850	$1.47	15d	1	1.06mi
2025 Kelmore Rd Unit 1 Dundalk, MD	3.0	1.0	1024	$2,000	$1.95	44d	1	1.06mi
3317 Belsford Ct Dundalk, MD	3.0	1.0	1258	$1,950	$1.55	11d	1	1.07mi
3221 Wallford Dr Unit 3221 Dundalk, MD	3.0	1.0	1008	$1,750	$1.74	5d	1	1.07mi
3221 Wallford Dr Dundalk, MD	3.0	1.0	1008	$1,750	$1.74	3d	1	1.07mi
2032 Kelmore Rd Dundalk, MD	3.0	1.0	1024	$1,700	$1.66	44d	1	1.09mi
8499 Lynch Rd Dundalk, MD	1.0–3.0	1.0–2.0	950	$2,202	$2.32	2d	32	1.09mi
1930 Frames Rd Dundalk, MD	3.0	2.0	1152	$2,099	$1.82	5d	1	1.09mi
7962 Kavanagh Rd Dundalk, MD	3.0	2.0	1024	$1,947	$1.90	15d	1	1.23mi
7917 Wise Ave Dundalk, MD	2.0	1.5	1500	$2,500	$1.67	24d	1	1.24mi
3000 Wallford Dr Dundalk, MD	1.0–2.0	1.0	717	$1,330	$1.85	3d	35	1.25mi
2020 Dineen Dr Dundalk, MD	3.0	1.5	1258	$1,850	$1.47	5d	1	1.26mi
7930 Kavanagh Rd Dundalk, MD	3.0	1.0	1024	$2,195	$2.14	44d	1	1.28mi
7901 Stratman Rd Dundalk, MD	3.0	1.0	890	$1,647	$1.85	2d	1	1.41mi

Listing history 20 events

1. 2026-06-18
   days on market $189,900 Active 55 DOM
2. 2026-06-17
   days on market $189,900 Active 54 DOM
3. 2026-06-16
   days on market $189,900 Active 53 DOM
4. 2026-06-15
   days on market $189,900 Active 52 DOM
5. 2026-06-13
   days on market $189,900 Active 50 DOM
6. 2026-06-09
   days on market $189,900 Active 46 DOM
7. 2026-06-08
   days on market $189,900 Active 45 DOM
8. 2026-06-07
   days on market $189,900 Active 44 DOM
9. 2026-06-04
   days on market $189,900 Active 41 DOM
10. 2026-06-03
    days on market $189,900 Active 40 DOM
11. 2026-06-02
    days on market $189,900 Active 39 DOM
12. 2026-06-02
    price $189,900 Active 38 DOM
13. 2026-06-01
    days on market $199,900 Active 38 DOM
14. 2026-05-31
    days on market $199,900 Active 37 DOM
15. 2026-04-25
    listed $199,900 Active 610-char remark

    Show marketing remark (610 chars)

    Beautifully Maintained and Move-In Ready Under $200K! Step into this charming row home featuring upgraded counters and luxury vinyl plank flooring throughout the main level, with gleaming hardwood floors in the bedrooms. The spa-like walk-in shower adds a touch of modern elegance. Enjoy the bonus room off the kitchen, perfect for an office or cozy den, which opens to your private, fenced backyard—ideal for relaxing or entertaining. A fantastic opportunity for a first-time home buyer or someone looking to downsize, this move-in ready home combines comfort, style, and value in one perfect package.

16. 2026-04-22
    historical $199,900 610-char remark

    Show marketing remark (610 chars)

    Beautifully Maintained and Move-In Ready Under $200K! Step into this charming row home featuring upgraded counters and luxury vinyl plank flooring throughout the main level, with gleaming hardwood floors in the bedrooms. The spa-like walk-in shower adds a touch of modern elegance. Enjoy the bonus room off the kitchen, perfect for an office or cozy den, which opens to your private, fenced backyard—ideal for relaxing or entertaining. A fantastic opportunity for a first-time home buyer or someone looking to downsize, this move-in ready home combines comfort, style, and value in one perfect package.

17. 2024-12-08
    historical $1,700
18. 2024-11-14
    listed $1,700
19. 2019-08-30
    soldstatus $110,000
20. 1976-03-17
    soldstatus $20,500

ⓘ 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: $2,429 · $202/mo
• Projected year-2 tax: $2,429 · $202/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 ≥104°F today · 16 d/yr by 30 yrs out
• 💨 Wind 6/10 Major 60% 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: $24,723
• − Mortgage interest: −$10,637
• − Property taxes: −$2,429
• − Insurance: −$950
• − Repairs & maintenance: −$1,978
• − Management: −$1,978
• − Depreciation: −$5,524
• Taxable income: $1,227
• Est. tax owed @ 24.0%: −$295
• After-tax cash flow: $3,908/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 — Dundalk

• Score: 85/100
• State rank: #16
• US rank: #510

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Dundalk, MD
• County: Baltimore County · 769,527 people
• City population: 59,407
• Metro: Baltimore-Columbia-Towson, MD
• Population (ZIP): 59,407
• Household income: $64,141
• Rent vs Own: 35.1% rent · 64.9% own
• Severe rent burden: 2566.0

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 0.60)
• Race & ethnicity: White 59% Black 18% Hispanic / Latino 15% Two or more races 7% Asian 2% Native American 1%
• Hispanic origin (detail): Mexican 3% Puerto Rican 2%
• Common ancestry: Romanian 7% Lithuanian 1% Italian 1%
• Foreign-born: 9% · Canada
• Languages at home: 85% English-only · Spanish 11% Other Indo-European 2% Arabic 1%

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: ▼ -251.44%
• Current HPI: 228.4218
• Rent YoY: ▼ -0.09%
• 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

+875.1% since first listed

6 events — show timeline

• 2026-04-25 Listed $199,900 BRIGHT MLS
• 2026-04-22 Coming Soon $199,900 BRIGHT MLS
• 2024-12-08 Rental Removed $1,700 BRIGHTMLS
• 2024-11-14 Listed for Rent $1,700 BRIGHTMLS
• 2019-08-30 Sold (Public Records) $110,000 Public Records
• 1976-03-17 Sold (Public Records) $20,500 Public Records

Property tax history

+3.5%/yr

Latest (2025): $2,429 · +4.9% YoY. Source: county tax records.