14 Vista Mobile Dr · Dundalk, MD 21222

$44,900

3 bd · 2.0 ba · 980 sqft · Manufactured · 10 Days on market

Built 2006 $46/sqft · 82% below area

---

Why this score? — see what drove the D 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 +15.0/30.0
• ARV discount +7.5/15.0
• 1% rule +5.0/10.0
• DSCR +5.0/10.0
• 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

GORGEOUS 3 BR 2 BATH 2006 FLEETWOOD RANCHER IN QUIET PARK WITH NICE YARD/WITH SHED. TAKING BACK UP CONTRACTS. BUY FOR $340.00 MONTH & GROUND RENT. WHIRLPOOL SIDE BY SIDE REFRIG/WASHER/DRYER LIKE NEW!! GROUND RENT WITH FULL PRICE OFFER. 14 VISTA MOBILE DRIVE, DUNDALK MOBILE HOME PARK, DUNDALK, MD 21222

Key facts

• Custom backsplash
• Open floor plan
• Wall sconce lighting

Tags

• OPEN FLOOR PLAN
• VAULTED CEILINGS
• CUSTOM BACKSPLASH
• LARGE SINK
• SEPARATE LAUNDRY AREA
• WALL SCONCE LIGHTING

Property features AI

Finance

• HOA & community: Located in Dundalk Mobile Home Park; Property manager present; Pets allowed with number and size/weight restrictions

Exterior

• Parking: On-street parking
• Utilities: Public water; Public sewer
• Home design: Manufactured home (Fleetwood); Single wide, approximately 14' x 70'; Fee simple ownership; Estimated excellent condition
• Construction: Vinyl siding; Built by Fleetwood (year built estimated)
• Exterior features: Deck(s), patio(s), and porch(es); Awning(s); Exterior lighting and street lights; Shed on the property

Interior

• Kitchen: Refrigerator; Stove; Range hood; Exhaust fan
• Bedrooms: 3 bedrooms on the main level
• Flooring: Carpet; Vinyl
• Bathrooms: 2 full bathrooms (including master bath)
• Heating & cooling: Forced air heating; Propane (leased) heating fuel; Central air conditioning (electric)
• Interior features: Soaking tub and tub/shower combination; Breakfast area and dining area; Combination kitchen/dining and kitchen eat-in/table space; Crown moldings; Skylights; Walk-in closet(s); Window treatments; Insulated and storm doors
• Laundry & utility: Washer and dryer on the main floor; Electric water heater

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath manufactured listed at $45k.

Deal economics

• At list price, monthly cash flow is $1k ($14k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $45k).
• Cap rate 38.3% 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; 23 comparable units currently listed for rent nearby; rentals at typical pace (median 16d on market — plan ~3-4 weeks tenant-placement turnaround); 43% of comp listings sitting > 30 days — soft ceiling on asking rent; 1,511 units permitted in Baltimore County in 2024 (643 in 5+ unit buildings).
• This rent runs 36% 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 $310 of loan paydown is wiped out by about $1k 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 + 0.0% rent growth), your $13k cash investment doubles in ~1 year — after that, you're playing with house money.

Negotiation context

• Only 10 days on market — expect competitive offers; lowballing is unlikely to land.
• 2 sale attempts since 19y 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.

Recommended offer $44,900

Questions for the listing agent

1. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
2. 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?
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. The area grade is low — what's the realistic commute time and amenity access for the typical tenant pool here? Any planned neighborhood developments (good or bad) we should know about?
5. 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.
6. 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.
7. 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: 4.25% ✓
• Cap rate: 38.29%
• Cash-on-cash: 114.27%
• DSCR: 6.08
• GRM: 2.0

CMA / ARV

• ARV (median comp): $253,088
• List price: $44,900
• Delta: -82.26%
• Verdict: UNDERPRICED
• Comps: 20 within 1.0 mi

Projected returns pro-forma

-3.0% appreciation · 0.0% rent growth · sell at horizon

5-year hold

• IRR: —
• Equity multiple: 6.04×
• Total profit: $63,412
• Equity at exit: $6,695

10-year hold

• IRR: —
• Equity multiple: 11.49×
• Total profit: $131,908
• Equity at exit: $3,882

Cash invested: $12,572 (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: 2.0×

Monthly cashflow live

• Estimated rent: $1,908 high
• Mortgage (P&I): −$235
• Tax est. 1.5%: −$56 /mo · $674/yr
• Insurance: −$19
• HOA: −$0
• Vacancy / Maint / Mgmt: −$401
• Net cashflow: $1,197

Break-even live

Break-even rent $393

Max offer price $44,900

Occupancy floor 32%

Sensitivity live

Price	-10% $1,228	-5% $1,213	+0% $1,197	+5% $1,182	+10% $1,166
Rent	-10% $1,046	-5% $1,122	+0% $1,197	+5% $1,273	+10% $1,348
Rate	-1.0pp $1,220	-0.5pp $1,209	base $1,197	+0.5pp $1,186	+1.0pp $1,174

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: $11,225
• Closing costs: $1,347
• Reserves months: —
• Total cash needed: —

Rent comps 23 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
7718 Meath Rd Dundalk, MD	3.0	2.0	864	$2,200	$2.55	44d	1	0.49mi
7901 Stratman Rd Dundalk, MD	3.0	1.0	890	$1,647	$1.85	3d	1	0.57mi
3503 Sollers Point Rd Dundalk, MD	3.0	1.0	776	$1,850	$2.38	13d	1	0.57mi
8220 Cornwall Rd Dundalk, MD	3.0	2.0	1125	$1,775	$1.58	44d	1	0.69mi
2976 Cornwall Rd Unit 1 Dundalk, MD	2.0	1.0	900	$1,590	$1.77	15d	1	0.70mi
2032 Kelmore Rd Dundalk, MD	3.0	1.0	1024	$1,700	$1.66	44d	1	0.73mi
2025 Kelmore Rd Unit 1 Dundalk, MD	3.0	1.0	1024	$2,000	$1.95	44d	1	0.75mi
7930 Kavanagh Rd Dundalk, MD	3.0	1.0	1024	$2,195	$2.14	44d	1	0.78mi
7962 Kavanagh Rd Dundalk, MD	3.0	2.0	1024	$1,947	$1.90	15d	1	0.78mi
2004 Larkhall Rd Dundalk, MD	3.0	1.0	1024	$1,500	$1.46	44d	1	0.78mi
1925 Jasmine Rd Dundalk, MD	3.0	1.5	1024	$1,825	$1.78	11d	1	0.80mi
3481 McShane Way Dundalk, MD	2.0	1.5	896	$2,150	$2.40	44d	1	0.84mi
8499 Lynch Rd Dundalk, MD	1.0–3.0	1.0–2.0	950	$2,202	$2.32	2d	32	0.85mi
3443 Dunhaven Rd Dundalk, MD	2.0	2.0	1016	$1,900	$1.87	5d	1	0.86mi
7003 Dunmanway Dundalk, MD	1.0–2.0	1.0	772	$1,345	$1.74	2d	13	0.91mi
108 Chestnut St Dundalk, MD	2.0	1.0	812	$1,300	$1.60	17d	1	0.94mi
2624 Liberty Pkwy Dundalk, MD	3.0	1.5	1110	$1,856	$1.67	44d	1	1.00mi
214 Center St Dundalk, MD	3.0	1.5	992	$1,795	$1.81	11d	1	1.07mi
511 Avondale Rd Dundalk, MD	2.0–4.0	1.0–2.0	1146	$1,735	$1.51	2d	69	1.08mi
11 Seabright Ave Dundalk, MD	3.0	1.0	948	$1,874	$1.98	15d	1	1.22mi
414 Westfield Rd Dundalk, MD	3.0	1.0	1024	$2,300	$2.25	44d	1	1.25mi
1610 Melbourne Rd Dundalk, MD	1.0–2.0	1.0	664	$1,240	$1.87	13d	1	1.32mi
7508 Ives Ln Dundalk, MD	2.0	1.0	896	$1,750	$1.95	44d	1	1.34mi

Listing history 4 events

1. 2026-05-09
   listed $44,900 Active 2049-char remark
2. 2008-04-15
   soldstatus $40,000 Sold 308-char remark

   Show marketing remark (308 chars)

   GORGEOUS 3 BR 2 BATH 2006 FLEETWOOD RANCHER IN QUIET PARK WITH NICE YARD/WITH SHED. TAKING BACK UP CONTRACTS. BUY FOR $340.00 MONTH & GROUND RENT. WHIRLPOOL SIDE BY SIDE REFRIG/WASHER/DRYER LIKE NEW!! GROUND RENT WITH FULL PRICE OFFER. 14 VISTA MOBILE DRIVE, DUNDALK MOBILE HOME PARK, DUNDALK, MD 21222

3. 2008-03-18
   historical 308-char remark

   Show marketing remark (308 chars)

   GORGEOUS 3 BR 2 BATH 2006 FLEETWOOD RANCHER IN QUIET PARK WITH NICE YARD/WITH SHED. TAKING BACK UP CONTRACTS. BUY FOR $340.00 MONTH & GROUND RENT. WHIRLPOOL SIDE BY SIDE REFRIG/WASHER/DRYER LIKE NEW!! GROUND RENT WITH FULL PRICE OFFER. 14 VISTA MOBILE DRIVE, DUNDALK MOBILE HOME PARK, DUNDALK, MD 21222

4. 2007-12-05
   listed $41,999 308-char remark

   Show marketing remark (308 chars)

   GORGEOUS 3 BR 2 BATH 2006 FLEETWOOD RANCHER IN QUIET PARK WITH NICE YARD/WITH SHED. TAKING BACK UP CONTRACTS. BUY FOR $340.00 MONTH & GROUND RENT. WHIRLPOOL SIDE BY SIDE REFRIG/WASHER/DRYER LIKE NEW!! GROUND RENT WITH FULL PRICE OFFER. 14 VISTA MOBILE DRIVE, DUNDALK MOBILE HOME PARK, DUNDALK, MD 21222

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

Taxation est. · year 1

• Rental income: $22,899
• − Mortgage interest: −$2,515
• − Property taxes: −$674
• − Insurance: −$224
• − Repairs & maintenance: −$1,832
• − Management: −$1,832
• − Depreciation: −$1,306
• Taxable income: $14,516
• Est. tax owed @ 24.0%: −$3,484
• After-tax cash flow: $10,883/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

+6.9% since first listed

5 events — show timeline

• 2026-05-19 Pending — BRIGHT MLS
• 2026-05-09 Listed $44,900 BRIGHT MLS
• 2008-04-15 Sold (MLS) $40,000 MRIS
• 2008-03-18 Delisted — MRIS
• 2007-12-05 Listed $41,999 MRIS