810 Knoxville Rd · Brunswick, MD 21758

$347,700

4 bd · 2.0 ba · 1,980 sqft · SingleFamily public records · 23 Days on market

Built 1918 10,500 sqft lot $176/sqft · 10% below area Est $388k · 10% under

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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 +17.6/30.0
• ARV discount +12.2/15.0
• DSCR +5.5/10.0
• 1% rule +4.3/10.0
• Livability +4.0/5.0
• Schools +3.4/10.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

CASH SALE ONLY This spacious home offers over 1,700 finished square feet of living space on nearly a quarter-acre lot complete with ample off-street parking. Inside, you'll find three generously sized bedrooms and two full bathrooms, including a hard-to-find main-level full bath for added convenience. The interior has been freshly painted and features brand-new carpet throughout, creating a clean and inviting atmosphere. Step outside to a fully fenced backyard perfect for pets, gardening, or even a few chickens! Best of all, enjoy NO city taxes while still being close to all the amenities Brunswick has to offer.

Key facts

• 0.24 acre lot
• Built 1918
• Listed 23 days

Property features AI

Finance

• Other: Fee simple ownership

Exterior

• Parking: Driveway; Off-street parking
• Utilities: Public water; Public sewer; Electric service
• Home design: Detached structure; Estimated year built; Above-grade and below-grade living areas
• Construction: Shingle siding and vinyl siding; Block foundation; Shingle roof
• Exterior features: Property in excellent condition; No tidal water

Interior

• Bedrooms: Three bedrooms on the upper level; One bedroom on the main level
• Flooring: Hardwood; Vinyl; Carpet
• Bathrooms: Two full bathrooms (one on main level, one on upper level)
• Heating & cooling: Forced air heating; Heat pump(s); Central air conditioning; Electric heating and hot water
• Interior features: Has fireplace (1); Unfinished basement

What this means for you Summary

Snapshot

• This is a 4-bed/2.0-bath single-family listed at $348k.

Deal economics

• At list price, monthly cash flow is $273 ($3k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $325k (6.5% below list).
• Recommended offer: $325k (6.5% below list) — sets the bar for 1% rule.
• Cap rate 7.2% vs local median 3.2% in Brunswick — 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 80/100 on livability (#52 in MD, #1,963 nationally) — a professional / high-income tenant draw. Strengths: crime A+, employment A+, housing A+; Watch: amenities C-, commute F.
• Frederick County Public Schools (other): math 27% / reading 43% proficiency, ranked #4 of 24 in MD (top 17%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Zoned schools: Brunswick Elementary (math 19% / reading 27%, grade F, #289 of 860 statewide, top 34%, 752 students, 28% FRL); Brunswick Middle (math 13% / reading 46%, grade F, #67 of 225 statewide, top 32%, 656 students, 26% FRL); Brunswick High (math 62% / reading 82%, grade B+, #34 of 222 statewide, top 15%, 862 students, 24% FRL).
• Market conditions: 22 active listings in the ZIP; 1 comparable units currently listed for rent nearby; 1,562 units permitted in Frederick County in 2024 (374 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $2k of loan paydown is wiped out by about $10k of value loss. Plan a longer hold.
• Frederick County population projected at +15% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.

Negotiation context

• It's been on market 23 days — a 2% lower offer ($342k) is reasonable based on typical stale-listing flexibility.
• 11 sale attempts since 22y 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.
• Current owner paid $217k; list at $348k implies a 60% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: built in 1918 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: extreme-heat days projected 7→16/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $325,000 (6.5% below list)

Questions for the listing agent

1. Built in 1918 — 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. 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.
4. 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.
5. 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: 0.93% ✗
• Cap rate: 7.23%
• Cash-on-cash: 3.36%
• DSCR: 1.15
• GRM: 8.9

CMA / ARV

• ARV (median comp): $388,297
• List price: $347,700
• Delta: -10.46%
• Verdict: UNDERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 9 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
810 Knoxville Rd	0.00mi	3/2.0 (-1)	1,980 (0%)	4mo	$217,000	$110	92
3120 Addition Ave	0.10mi	3/2.0 (-1)	1,728 (-13%)	18mo	$349,900	$202	54
523 Brunswick St	0.58mi	4/2.0	1,872 (-6%)	19mo	$389,900	$208	48
200 Central Ave	0.51mi	3/2.0 (-1)	1,820 (-8%)	14mo	$390,000	$214	46
533 W Potomac St	0.54mi	3/2.5 (-1)	1,842 (-7%)	14mo	$385,000	$209	44
303 W B St	0.75mi	3/3.0 (-1)	1,900 (-4%)	9mo	$365,000	$192	42
406 Brunswick St	0.67mi	3/2.5 (-1)	1,893 (-4%)	19mo	$380,000	$201	39
601 W B St	0.54mi	3/1.0 (-1)	1,761 (-11%)	15mo	$330,000	$187	35
416 Brunswick St	0.64mi	3/2.0 (-1)	1,719 (-13%)	14mo	$375,000	$218	32

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 · 3.0% rent growth · sell at horizon

5-year hold

• IRR: -11.0%
• Equity multiple: 0.60×
• Total profit: $-38,996
• Equity at exit: $51,843

10-year hold

• IRR: -1.8%
• Equity multiple: 0.88×
• Total profit: $-11,669
• Equity at exit: $30,063

Cash invested: $97,356 (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 21758

• Home prices YoY: -11.5%
• Active inventory: 22
• Price-to-rent: 8.9×

Monthly cashflow live

• Estimated rent: $3,250 medium
• Mortgage (P&I): −$1,823
• Tax from tax record: −$327 /mo · $3,919/yr
• Insurance: −$145
• HOA: −$0
• Vacancy / Maint / Mgmt: −$682
• Net cashflow: $273

Break-even live

Break-even rent $2,905

Max offer price $347,700

Occupancy floor 87%

Sensitivity live

Price	-10% $469	-5% $371	+0% $273	+5% $174	+10% $76
Rent	-10% $16	-5% $144	+0% $273	+5% $401	+10% $529
Rate	-1.0pp $448	-0.5pp $361	base $273	+0.5pp $183	+1.0pp $91

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: $86,925
• Closing costs: $10,431
• Reserves months: —
• Total cash needed: —

Rent comps 1 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
1303 Potomac View Pkwy Brunswick, MD	3.0	3.5	2340	$3,250	$1.39	45d	1	0.92mi

Listing history 50 events

1. 2026-06-21
   remarks 553-char remark
2. 2026-06-21
   statusdays on market $347,700 Active Under Contract 23 DOM
3. 2026-06-18
   days on market $347,700 Active 22 DOM
4. 2026-06-17
   days on market $347,700 Active 21 DOM
5. 2026-06-16
   days on market $347,700 Active 20 DOM
6. 2026-06-15
   days on market $347,700 Active 19 DOM
7. 2026-06-13
   days on market $347,700 Active 17 DOM
8. 2026-06-13
   days on market $347,700 Active 16 DOM
9. 2026-06-10
   price $347,700 Active 13 DOM
10. 2026-06-09
    days on market $349,900 Active 13 DOM
11. 2026-06-08
    days on market $349,900 Active 12 DOM
12. 2026-06-07
    days on market $349,900 Active 11 DOM
13. 2026-06-04
    days on market $349,900 Active 8 DOM
14. 2026-06-03
    days on market $349,900 Active 7 DOM
15. 2026-06-02
    pricedays on market $349,900 Active 6 DOM
16. 2026-06-01
    days on market $355,000 Active 5 DOM
17. 2026-06-01
    price $355,000 Active 4 DOM
18. 2026-05-31
    days on market $359,900 Active 4 DOM
19. 2026-05-12
    historical $359,900 535-char remark
20. 2026-02-19
    soldstatus $217,000
21. 2026-02-18
    soldstatus $217,000 Closed 620-char remark

    Show marketing remark (620 chars)

    CASH SALE ONLY This spacious home offers over 1,700 finished square feet of living space on nearly a quarter-acre lot complete with ample off-street parking. Inside, you'll find three generously sized bedrooms and two full bathrooms, including a hard-to-find main-level full bath for added convenience. The interior has been freshly painted and features brand-new carpet throughout, creating a clean and inviting atmosphere. Step outside to a fully fenced backyard perfect for pets, gardening, or even a few chickens! Best of all, enjoy NO city taxes while still being close to all the amenities Brunswick has to offer.

22. 2026-02-01
    status Pending 620-char remark

    Show marketing remark (620 chars)

    CASH SALE ONLY This spacious home offers over 1,700 finished square feet of living space on nearly a quarter-acre lot complete with ample off-street parking. Inside, you'll find three generously sized bedrooms and two full bathrooms, including a hard-to-find main-level full bath for added convenience. The interior has been freshly painted and features brand-new carpet throughout, creating a clean and inviting atmosphere. Step outside to a fully fenced backyard perfect for pets, gardening, or even a few chickens! Best of all, enjoy NO city taxes while still being close to all the amenities Brunswick has to offer.

23. 2026-01-31
    status Active 620-char remark

    Show marketing remark (620 chars)

    CASH SALE ONLY This spacious home offers over 1,700 finished square feet of living space on nearly a quarter-acre lot complete with ample off-street parking. Inside, you'll find three generously sized bedrooms and two full bathrooms, including a hard-to-find main-level full bath for added convenience. The interior has been freshly painted and features brand-new carpet throughout, creating a clean and inviting atmosphere. Step outside to a fully fenced backyard perfect for pets, gardening, or even a few chickens! Best of all, enjoy NO city taxes while still being close to all the amenities Brunswick has to offer.

24. 2026-01-12
    historical Active Under Contract 620-char remark

    Show marketing remark (620 chars)

    CASH SALE ONLY This spacious home offers over 1,700 finished square feet of living space on nearly a quarter-acre lot complete with ample off-street parking. Inside, you'll find three generously sized bedrooms and two full bathrooms, including a hard-to-find main-level full bath for added convenience. The interior has been freshly painted and features brand-new carpet throughout, creating a clean and inviting atmosphere. Step outside to a fully fenced backyard perfect for pets, gardening, or even a few chickens! Best of all, enjoy NO city taxes while still being close to all the amenities Brunswick has to offer.

25. 2025-12-22
    price $265,000 620-char remark

    Show marketing remark (620 chars)

    CASH SALE ONLY This spacious home offers over 1,700 finished square feet of living space on nearly a quarter-acre lot complete with ample off-street parking. Inside, you'll find three generously sized bedrooms and two full bathrooms, including a hard-to-find main-level full bath for added convenience. The interior has been freshly painted and features brand-new carpet throughout, creating a clean and inviting atmosphere. Step outside to a fully fenced backyard perfect for pets, gardening, or even a few chickens! Best of all, enjoy NO city taxes while still being close to all the amenities Brunswick has to offer.

26. 2025-12-11
    listed $270,000 Active 620-char remark

    Show marketing remark (620 chars)

    CASH SALE ONLY This spacious home offers over 1,700 finished square feet of living space on nearly a quarter-acre lot complete with ample off-street parking. Inside, you'll find three generously sized bedrooms and two full bathrooms, including a hard-to-find main-level full bath for added convenience. The interior has been freshly painted and features brand-new carpet throughout, creating a clean and inviting atmosphere. Step outside to a fully fenced backyard perfect for pets, gardening, or even a few chickens! Best of all, enjoy NO city taxes while still being close to all the amenities Brunswick has to offer.

27. 2025-12-11
    historical

    Show marketing remark (620 chars)

    CASH SALE ONLY This spacious home offers over 1,700 finished square feet of living space on nearly a quarter-acre lot complete with ample off-street parking. Inside, you'll find three generously sized bedrooms and two full bathrooms, including a hard-to-find main-level full bath for added convenience. The interior has been freshly painted and features brand-new carpet throughout, creating a clean and inviting atmosphere. Step outside to a fully fenced backyard perfect for pets, gardening, or even a few chickens! Best of all, enjoy NO city taxes while still being close to all the amenities Brunswick has to offer.

28. 2025-12-03
    status Active
29. 2025-12-03
    historical Active Under Contract
30. 2025-11-21
    status Active
31. 2025-11-15
    historical Active Under Contract
32. 2025-11-07
    price $275,000
33. 2025-10-07
    price $300,000
34. 2025-07-24
    listed $325,000 Active
35. 2025-07-24
    historical
36. 2025-06-26
    price $339,000
37. 2025-06-05
    price $350,000
38. 2025-05-29
    listed $370,000 Active
39. 2025-05-24
    historical
40. 2019-09-11
    soldstatus $210,000
41. 2019-08-31
    historical
42. 2019-08-30
    soldstatus $210,000 Closed
43. 2019-08-21
    status Pending
44. 2019-06-23
    historical Active Under Contract
45. 2019-03-15
    price $225,000
46. 2019-03-14
    listed $229,000 Active
47. 2019-03-13
    historical
48. 2019-02-08
    listed $229,000 Active
49. 2019-01-10
    historical
50. 2018-10-26
    listed $229,000 Active

ⓘ 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: $3,919 · $327/mo
• Projected year-2 tax: $3,919 · $327/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 2/10 Low
• 🌡 Heat 6/10 Major 7 d/yr ≥103°F today · 16 d/yr by 30 yrs out
• 💨 Wind 3/10 Moderate 4% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 1 unhealthy d/yr today · 2 by 30 yrs out

Taxation est. · year 1

• Rental income: $39,000
• − Mortgage interest: −$19,477
• − Property taxes: −$3,919
• − Insurance: −$1,738
• − Repairs & maintenance: −$3,120
• − Management: −$3,120
• − Depreciation: −$10,115
• Taxable loss: −$2,489
• Est. tax savings @ 24.0%: +$597
• After-tax cash flow: $3,869/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: Frederick County Public Schools
• NCES district ID: 2400330
• Math proficiency: 27% ▼ -23.00%
• Reading proficiency: 43% ▼ -15.00%
• Median HH income: $84,020
• Composite: 33.54/100
• National rank: #5429
• State rank: #4 of 24 in MD

Livability — Brunswick

• Score: 80/100
• State rank: #52
• US rank: #1963

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• City population: 6,757
• Population (ZIP): 4,238

Population outlook (Frederick County) Hauer SSP2

• Today (2025): 269,438 people
• By 2030: 280,160 · +4.0%
• By 2040: 298,408 · +10.8%
• By 2050: 311,062 · +15.4%
• By 2075: 342,819 · +27.2%
• By 2100: 351,361 · +30.4%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (81%)
• Race & ethnicity: White 81% Two or more races 10% Hispanic / Latino 6% Black 5% Asian 4%
• Hispanic origin (detail): Cuban 1%
• Common ancestry: Italian 6% Slovak 3% Lithuanian 2%
• Foreign-born: 8% · Canada, China
• Languages at home: 93% English-only · Spanish 3% Other Indo-European 2% Other Asian/Pacific 2%

Political lean MEDSL · Frederick

• 2024 margin: Lean D (+8.8) · D 53.2% · R 44.4% · Other 2.5%
• 2008→2024 swing: +9.9pp toward D · 2008: -1.0pp · 2024: 8.8pp
• All cycles: 2024: D+8.8 2020: D+9.6 2016: R+4.0 2012: R+3.9 2008: R+1.0

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -35.34%
• Current HPI: 273.1139
• Rent YoY: —
• Metro: —
• 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

+93.3% since first listed

40 events — show timeline

• 2026-06-09 Price Changed $347,700 BRIGHT MLS
• 2026-06-02 Price Changed $349,900 BRIGHT MLS
• 2026-06-01 Price Changed $355,000 BRIGHT MLS
• 2026-05-28 Listed $359,900 BRIGHT MLS
• 2026-05-12 Coming Soon $359,900 BRIGHT MLS
• 2026-02-19 Sold (Public Records) $217,000 Public Records
• 2026-02-18 Sold (MLS) $217,000 BRIGHT MLS
• 2026-02-01 Pending — BRIGHT MLS
• 2026-01-31 Relisted — BRIGHT MLS
• 2026-01-12 Contingent — BRIGHT MLS
• 2025-12-22 Price Changed $265,000 BRIGHT MLS
• 2025-12-11 Listing Removed — BRIGHT MLS
• 2025-12-11 Listed $270,000 BRIGHT MLS
• 2025-12-03 Relisted — BRIGHT MLS
• 2025-12-03 Contingent — BRIGHT MLS
• 2025-11-21 Relisted — BRIGHT MLS
• 2025-11-15 Contingent — BRIGHT MLS
• 2025-11-07 Price Changed $275,000 BRIGHT MLS
• 2025-10-07 Price Changed $300,000 BRIGHT MLS
• 2025-07-24 Listing Removed — BRIGHT MLS
• 2025-07-24 Listed $325,000 BRIGHT MLS
• 2025-06-26 Price Changed $339,000 BRIGHT MLS
• 2025-06-05 Price Changed $350,000 BRIGHT MLS
• 2025-05-29 Listed $370,000 BRIGHT MLS
• 2025-05-24 Coming Soon — BRIGHT MLS
• 2019-09-11 Sold (Public Records) $210,000 Public Records
• 2019-08-31 Listing Removed — BRIGHT MLS
• 2019-08-30 Sold (MLS) $210,000 BRIGHT MLS
• 2019-08-21 Pending — BRIGHT MLS
• 2019-06-23 Contingent — BRIGHT MLS
• 2019-03-15 Price Changed $225,000 BRIGHT MLS
• 2019-03-14 Listed $229,000 BRIGHT MLS
• 2019-03-13 Listing Removed — BRIGHT MLS
• 2019-02-08 Listed $229,000 BRIGHT MLS
• 2019-01-10 Listing Removed — BRIGHT MLS
• 2018-10-26 Listed $229,000 BRIGHT MLS
• 2004-06-14 Sold (Public Records) $178,900 Public Records
• 2004-05-27 Sold (MLS) $178,500 MRIS
• 2004-05-07 Delisted — MRIS
• 2004-02-19 Listed $179,900 MRIS

Property tax history

+7.6%/yr

Latest (2025): $3,919 · +12.8% YoY. Source: county tax records.