211-D Crocker Dr · Bel Air, MD 21014

$175,000

2 bd · 1.0 ba · 922 sqft · Condo · 29 Days on market

Built 1971 $285/mo HOA · 16% of rent

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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 +14.1/30.0
• ARV discount +7.5/15.0
• 1% rule +4.9/10.0
• DSCR +4.3/10.0
• Livability +4.2/5.0
• Rent growth +2.9/5.0
• Schools +2.9/10.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Welcome to 211D Crocker Drive - a beautiful mid-level unit in Hickory Hills. You'll enter into the spacious living room which features sliding glass doors to a private balcony, offering views of the courtyard. The dining area is open from the living room and has a pass-through to the kitchen. There's a separate laundry room conveniently located off of the kitchen and allows for additional storage. The unit is painted in neutral tones throughout and has updated luxury vinyl plank flooring. The two bedrooms are located at the front of the unit - both featuring brand new carpet in February 2026. The full bath is updated and features a new tile tub surround as well. BONUS: the condo fee INCLUDES water, sewer, trash, snow removal and use of the community pool- opening soon! One year Assurant Home Warranty provided for Buyer at closing for added peace of mind. The community is conveniently located near the MA & PA Trail, the Bel Air library and Downtown Bel Air for shopping and dining. There's also easy access to Route 24, Route 1, and I-95. Don’t miss this great opportunity—schedule your showing today! Why rent when you can own?

Key facts

• Community pool
• Private balcony
• $285 HOA

Tags

• PRIVATE BALCONY
• SEPARATE LAUNDRY ROOM
• UPDATED TILE TUB SURROUND
• COMMUNITY POOL
• EASY ACCESS TO ROUTE 24
• EASY ACCESS TO ROUTE 1

What this means for you Summary

Snapshot

• This is a 2-bed/1.0-bath condo listed at $175k.

Deal economics

• At list price, monthly cash flow is $24 ($289/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 $174k (0.6% below list).
• Recommended offer: $172k (1.5% below list) — sets the bar for market timing.
• Cap rate 6.5% vs local median 3.9% in Bel Air — 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 (#19 in MD, #563 nationally) — a professional / high-income tenant draw. Strengths: amenities A+, health & safety A+, commute A.
• Harford County Public Schools (suburban): math 22% / reading 39% proficiency, ranked #9 of 24 in MD (top 38%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Zoned schools: Bel Air Elementary (math 27% / reading 45%, grade F, #133 of 860 statewide, top 16%, 532 students, 33% FRL); Bel Air Middle (math 16% / reading 52%, grade F, #51 of 225 statewide, top 23%, 1,138 students, 23% FRL); Bel Air High (math 73% / reading 71%, grade B+, #34 of 222 statewide, top 15%, 1,489 students, 22% FRL) — zoned schools at 26% FRL track the district average.
• Zoned-school proficiency averages 47% at this address vs 30% district-wide (+17 pts) — the actual schools serving this property are materially stronger than the Harford County Public Schools average implies; a family-tenant draw the district grade alone would hide.
• Market conditions: Rents rising (+1.8%/yr); 153 active listings in the ZIP; 12 comparable units currently listed for rent nearby; rentals at typical pace (median 18d on market — plan ~3-4 weeks tenant-placement turnaround); high-income renter base; 803 units permitted in Harford County in 2024 (26 in 5+ unit buildings).
• This rent is only 18% of the median local income ($117k/yr) — well below the 30% rent-burden line; pricing power to push rent on renewal without tenant pushback.

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.

Negotiation context

• It's been on market 29 days — a 2% lower offer ($172k) is reasonable based on typical stale-listing flexibility.
• 5 sale attempts since 17y 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 $120k; 46% above their basis — modest negotiation headroom, anchor on the comps not their cost.

Risks & watch-outs

• Climate carrying-cost: extreme-heat days projected 7→15/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $172,375 (1.5% below list)

Questions for the listing agent

1. Built in 1971 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
2. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
3. Any open or pending special assessments — roof, HVAC, plumbing, elevator, façade? What's the per-unit balance and payoff schedule, and is the seller paying it off at close or rolling it to the buyer?
4. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
5. 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?
6. 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?
7. 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.
8. 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.
9. How much new apartment / multifamily construction is in the pipeline within 1–3 miles? Heavy new supply (>2% of stock underway) typically softens rents 12–24 months out; light construction supports rent growth.

Investment metrics

• 1% rule: 0.99% ✗
• Cap rate: 6.46%
• Cash-on-cash: 0.59%
• DSCR: 1.03
• GRM: 8.4

CMA / ARV

No comps found within radius.

Projected returns pro-forma

-3.0% appreciation · 1.79% rent growth · sell at horizon

5-year hold

• IRR: -16.8%
• Equity multiple: 0.41×
• Total profit: $-28,804
• Equity at exit: $26,093

10-year hold

• IRR: -11.2%
• Equity multiple: 0.37×
• Total profit: $-31,029
• Equity at exit: $15,131

Cash invested: $49,000 (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 21014

• Rents YoY: 1.8%
• Active inventory: 153
• Price-to-rent: 8.4×

Monthly cashflow live

• Estimated rent: $1,740 high
• Mortgage (P&I): −$918
• Tax from tax record: −$75 /mo · $895/yr
• Insurance: −$73
• HOA: −$285
• Vacancy / Maint / Mgmt: −$365
• Net cashflow: $24

Break-even live

Break-even rent $1,709

Max offer price $175,000

Occupancy floor 94%

Sensitivity live

Price	-10% $123	-5% $74	+0% $24	+5% $-25	+10% $-75
Rent	-10% $-113	-5% $-45	+0% $24	+5% $93	+10% $162
Rate	-1.0pp $112	-0.5pp $69	base $24	+0.5pp $-21	+1.0pp $-67

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: $43,750
• Closing costs: $5,250
• Reserves months: —
• Total cash needed: —

Rent comps 12 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
207 Crocker Dr Bel Air, MD	2.0	1.0	1037	$1,649	$1.59	6d	3	0.03mi
208 Timber Trl #208 Bel Air, MD	2.0	1.0	1000	$1,700	$1.70	18d	1	0.05mi
800 Candlelight Dr Bel Air, MD	1.0–2.0	1.0	849	$1,899	$2.24	6d	1	0.23mi
45 E Gordon St Unit 3 Bel Air, MD	2.0	2.0	1005	$2,100	$2.09	45d	1	0.39mi
407 Aggies Cir #4 Bel Air, MD	3.0	2.0	1120	$2,000	$1.79	6d	1	0.58mi
138 Alice Ann St Unit 140 Bel Air, MD	1.0	1.0	700	$1,495	$2.14	45d	1	0.61mi
133 Alice Ann St Bel Air, MD	1.0	1.0	1096	$1,500	$1.37	25d	1	0.64mi
201 Idlewild Rd Bel Air, MD	2.0	1.0–1.5	885	$2,120	$2.40	0d	27	1.21mi
712 Country Village Dr Apt 1B Bel Air, MD	1.0	1.0	819	$1,612	$1.97	5d	1	1.33mi
714 Country Village Dr Unit 1C Bel Air, MD	2.0	1.0	1062	$1,681	$1.58	4d	1	1.33mi
699 Red Oak Dr Bel Air, MD	3.0	1.5	913	$1,652	$1.81	45d	1	1.41mi
608 Squire Ln Unit K Bel Air, MD	2.0	2.0	1052	$1,900	$1.81	45d	1	1.50mi

HOA detail condo

• Monthly dues: $285 · $3,420/yr
• Likely covers: watersewertrashsnow removalpool
• Assessments: None detected in remarks — confirm with the listing agent.

Listing history 16 events

1. 2026-05-04
   status Pending 1159-char remark

   Show marketing remark (1159 chars)

   Welcome to 211D Crocker Drive - a beautiful mid-level unit in Hickory Hills. You'll enter into the spacious living room which features sliding glass doors to a private balcony, offering views of the courtyard. The dining area is open from the living room and has a pass-through to the kitchen. There's a separate laundry room conveniently located off of the kitchen and allows for additional storage. The unit is painted in neutral tones throughout and has updated luxury vinyl plank flooring. The two bedrooms are located at the front of the unit - both featuring brand new carpet in February 2026. The full bath is updated and features a new tile tub surround as well. BONUS: the condo fee INCLUDES water, sewer, trash, snow removal and use of the community pool- opening soon! One year Assurant Home Warranty provided for Buyer at closing for added peace of mind. The community is conveniently located near the MA & PA Trail, the Bel Air library and Downtown Bel Air for shopping and dining. There's also easy access to Route 24, Route 1, and I-95. Don’t miss this great opportunity—schedule your showing today! Why rent when you can own?

2. 2026-04-04
   listed $175,000 Active 1159-char remark

   Show marketing remark (1159 chars)

   Welcome to 211D Crocker Drive - a beautiful mid-level unit in Hickory Hills. You'll enter into the spacious living room which features sliding glass doors to a private balcony, offering views of the courtyard. The dining area is open from the living room and has a pass-through to the kitchen. There's a separate laundry room conveniently located off of the kitchen and allows for additional storage. The unit is painted in neutral tones throughout and has updated luxury vinyl plank flooring. The two bedrooms are located at the front of the unit - both featuring brand new carpet in February 2026. The full bath is updated and features a new tile tub surround as well. BONUS: the condo fee INCLUDES water, sewer, trash, snow removal and use of the community pool- opening soon! One year Assurant Home Warranty provided for Buyer at closing for added peace of mind. The community is conveniently located near the MA & PA Trail, the Bel Air library and Downtown Bel Air for shopping and dining. There's also easy access to Route 24, Route 1, and I-95. Don’t miss this great opportunity—schedule your showing today! Why rent when you can own?

3. 2026-03-25
   historical $1,600
4. 2026-02-03
   listed $1,600
5. 2021-05-25
   soldstatus $120,000
6. 2021-05-03
   soldstatus $120,000 Closed 481-char remark

   Show marketing remark (481 chars)

   Great Location in a Park Like Setting. Within Walking Distance to Downtown Bel Air with Plenty of Entertainment, Restaurants, Shopping & Library. Clean, Well Maintained Condo with New Carpet & Fresh Paint! Spacious Bedrooms. Separate Dining Room. Living Room with Sliders to the Balcony. In Unit Laundry Room with Full Size Washer & Dryer. Enjoy the Outdoor Pool in the Summer & Tot Lot/Playground Year Round! Great Location in the Hickory Hill Community.

7. 2021-04-20
   status Pending 481-char remark

   Show marketing remark (481 chars)

   Great Location in a Park Like Setting. Within Walking Distance to Downtown Bel Air with Plenty of Entertainment, Restaurants, Shopping & Library. Clean, Well Maintained Condo with New Carpet & Fresh Paint! Spacious Bedrooms. Separate Dining Room. Living Room with Sliders to the Balcony. In Unit Laundry Room with Full Size Washer & Dryer. Enjoy the Outdoor Pool in the Summer & Tot Lot/Playground Year Round! Great Location in the Hickory Hill Community.

8. 2021-04-17
   listed $119,000 Active 481-char remark

   Show marketing remark (481 chars)

   Great Location in a Park Like Setting. Within Walking Distance to Downtown Bel Air with Plenty of Entertainment, Restaurants, Shopping & Library. Clean, Well Maintained Condo with New Carpet & Fresh Paint! Spacious Bedrooms. Separate Dining Room. Living Room with Sliders to the Balcony. In Unit Laundry Room with Full Size Washer & Dryer. Enjoy the Outdoor Pool in the Summer & Tot Lot/Playground Year Round! Great Location in the Hickory Hill Community.

9. 2009-06-18
   soldstatus $126,000
10. 2009-05-27
    soldstatus $126,000
11. 2009-05-27
    soldstatus $126,000 Sold
12. 2009-04-18
    historical
13. 2009-04-17
    historical
14. 2009-04-04
    listed $132,100
15. 2009-04-04
    listed $132,100
16. 1986-12-10
    soldstatus $57,500

ⓘ 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: $895 · $75/mo
• Projected year-2 tax: $1,401 · $117/mo
• Expected delta: +$506/yr (+$42/mo · 56.6%)

ⓘ 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 7/10 Severe 7 d/yr ≥106°F today · 15 d/yr by 30 yrs out
• 💨 Wind 4/10 Moderate 23% chance of damaging wind over 30 yrs
• 🫁 Air quality 4/10 Moderate 5 unhealthy d/yr today · 7 by 30 yrs out

Taxation est. · year 1

• Rental income: $20,876
• − Mortgage interest: −$9,803
• − Property taxes: −$895
• − Insurance: −$875
• − Repairs & maintenance: −$1,670
• − Management: −$1,670
• − HOA: −$3,420
• − Depreciation: −$5,091
• Taxable loss: −$2,548
• Est. tax savings @ 24.0%: +$612
• After-tax cash flow: $901/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: Harford County Public Schools
• NCES district ID: 2400390
• Math proficiency: 22% ▼ -23.00%
• Reading proficiency: 39% ▼ -12.00%
• Median HH income: $79,569
• Composite: 29.38/100
• National rank: #6527
• State rank: #9 of 24 in MD

Livability — Bel Air

• Score: 85/100
• State rank: #19
• US rank: #563

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Bel Air, MD
• County: Harford County · 198,512 people
• City population: 68,720
• Metro: Baltimore-Columbia-Towson, MD
• Population (ZIP): 38,707
• Household income: $116,970
• Rent vs Own: 24.2% rent · 75.8% own
• Severe rent burden: 912.0

Population outlook (Harford County) Hauer SSP2

• Today (2025): 262,292 people
• By 2030: 266,437 · +1.6%
• By 2040: 269,954 · +2.9%
• By 2050: 265,659 · +1.3%
• By 2075: 252,886 · -3.6%
• By 2100: 224,014 · -14.6%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (78%)
• Race & ethnicity: White 78% Two or more races 7% Hispanic / Latino 7% Black 5% Asian 3%
• Hispanic origin (detail): Mexican 2% Puerto Rican 1%
• Common ancestry: Romanian 6% Slovak 2% Lithuanian 2%
• Foreign-born: 8% · Canada, China, South Korea
• Languages at home: 91% English-only · Spanish 4% Other Indo-European 2% Chinese 1%

Political lean MEDSL · Harford

• 2024 margin: R (+13.8) · D 41.9% · R 55.7% · Other 2.4%
• 2008→2024 swing: +5.0pp toward D · 2008: -18.8pp · 2024: -13.8pp
• All cycles: 2024: R+13.8 2020: R+12.0 2016: R+24.5 2012: R+19.5 2008: R+18.8

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -176.39%
• Current HPI: 265.5259
• Rent YoY: ▲ 1.79%
• 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

+204.3% since first listed

16 events — show timeline

• 2026-05-04 Pending — BRIGHT MLS
• 2026-04-04 Listed $175,000 BRIGHT MLS
• 2026-03-25 Rental Removed $1,600 BRIGHTMLS
• 2026-02-03 Listed for Rent $1,600 BRIGHTMLS
• 2021-05-25 Sold (Public Records) $120,000 Public Records
• 2021-05-03 Sold (MLS) $120,000 BRIGHT MLS
• 2021-04-20 Pending — BRIGHT MLS
• 2021-04-17 Listed $119,000 BRIGHT MLS
• 2009-06-18 Sold (Public Records) $126,000 Public Records
• 2009-05-27 Sold (MLS) $126,000 MRIS
• 2009-05-27 Sold (MLS) $126,000 BRIGHT MLS
• 2009-04-18 Delisted — MRIS
• 2009-04-17 Listing Removed — BRIGHT MLS
• 2009-04-04 Listed $132,100 MRIS
• 2009-04-04 Listed $132,100 BRIGHT MLS
• 1986-12-10 Sold (Public Records) $57,500 Public Records

Property tax history

-4.1%/yr

Latest (2020): $895 · +4.7% YoY. Source: county tax records.