3432 Roland Ave · Baltimore, MD 21211

$234,500

2 bd · 1.5 ba · 1,045 sqft · Townhouse public records · 93 Days on market

Built 1900 435 sqft lot $224/sqft · 17% below area Est $282k · 17% 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 +16.9/30.0
• ARV discount +15.0/15.0
• DSCR +5.3/10.0
• 1% rule +4.5/10.0
• Livability +3.8/5.0
• Rent growth +3.6/5.0
• Condition / age +2.5/5.0
• Schools +1.0/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

Nestled in the heart of Hampden, this beautifully updated three-story brick rowhome combines historic Baltimore charm with stylish, modern updates.   Enjoy peace of mind with brand-new updates throughout, including new windows, a new furnace, new water heater, new roof, and a brand-new front porch—all the big-ticket items are already taken care of. Just steps from “The Avenue” and everything that makes this neighborhood one of the city’s most beloved, 3432 Roland offers a rare opportunity to enjoy walkable city living at its best. Step inside to find Open concept spacious living room as it  flows seamlessly into the kitchen, featuring new appliances including a brand new stove , and ample storage.   Cold storage rear porch functions as a pantry and mudroom helping you stay organized. Upstairs, you’ll find comfortable bedroom, closet/ dressing room or extra office space and a full bath. The finished lower level offers flexible space for a guest room, home office, or media area, along with convenient laundry, storage, and a full bath. A ground level entrance and large windows make this feel more like main level living space than a basement and would be great short term rental opportunity. Outside, enjoy a welcoming extra large front porch, and small outdoor space in front and back. Just enough for a few plants to enjoy but not large enough to require a green thumb.  Located minutes from boutique shopping, award-winning dining, and local parks, this Hampden gem offers the true charm of Baltimore living — where historic character meets vibrant community.

Key facts

• New furnace
• Open concept
• Front porch

Tags

• NEW WINDOWS
• NEW FURNACE
• NEW WATER HEATER
• NEW ROOF
• FRONT PORCH
• OPEN CONCEPT

What this means for you Summary

Snapshot

• This is a 2-bed/1.5-bath townhouse listed at $234k.

Deal economics

• At list price, monthly cash flow is $156 ($2k/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 $224k (4.6% below list).
• Recommended offer: $213k (9.0% below list) — sets the bar for market timing.

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: 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.
• Zoned schools: Elmer A. Henderson: A Johns Hopkins Partnership (math 2% / reading 16%, grade F, #650 of 860 statewide, top 77%, 642 students, 80% FRL); Baltimore Polytechnic Institute (math 71% / reading 84%, grade A-, #22 of 222 statewide, top 10%, 1,555 students, 43% FRL) — zoned schools average 62% FRL vs 79% district-wide (17 pts lower); this property's tenant base skews higher-income than the district average.
• Zoned-school proficiency averages 43% at this address vs 12% district-wide (+32 pts) — the actual schools serving this property are materially stronger than the Baltimore City Public Schools average implies; a family-tenant draw the district grade alone would hide.
• Market conditions: Rents rising fast (+4.3%/yr); 91 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals at typical pace (median 26d on market — plan ~3-4 weeks tenant-placement turnaround); solid renter incomes; 1,273 units permitted in Baltimore city in 2024 (1,104 in 5+ unit buildings).
• This rent runs 32% of the median local income ($83k/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 $2k of loan paydown is wiped out by about $7k 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.

Negotiation context

• It's been on market 93 days — a 9% lower offer ($213k) is reasonable based on typical stale-listing flexibility.
• 4 sale attempts since 18y ago; this cycle's ask has dropped $24k (9%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Risks & watch-outs

• Watch-outs: built in 1900 — 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.

Recommended offer $213,395 (9.0% below list)

Questions for the listing agent

1. It's been on market 93 days. Have you received any prior offers? Is the seller open to a 9% concession, seller financing, or rate buy-down credit?
2. Built in 1900 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
4. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
5. 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?
6. 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?
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 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: 0.95% ✗
• Cap rate: 7.09%
• Cash-on-cash: 2.85%
• DSCR: 1.13
• GRM: 8.7

CMA / ARV

• ARV (median comp): $281,776
• List price: $234,500
• Delta: -16.78%
• 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
3446 Roland Ave	0.02mi	3/1.5 (+1)	980 (-6%)	0mo	$290,000	$296	84
3610 Paine St	0.21mi	2/1.0	1,080 (+3%)	1mo	$180,000	$167	82
3425 Pleasant Pl	0.06mi	2/1.5	922 (-12%)	2mo	$270,000	$293	76
3459 Chestnut Ave	0.21mi	3/1.5 (+1)	1,104 (+6%)	1mo	$312,700	$283	76
1310 Dellwood Ave	0.41mi	2/1.0	1,016 (-3%)	3mo	$273,650	$269	72
3602 Paine St	0.20mi	2/2.0	1,144 (+10%)	2mo	$350,500	$306	71
1212 Cox St	0.43mi	3/1.0 (+1)	1,050 (+0%)	2mo	$260,000	$248	71
4011 Hickory Ave	0.56mi	2/2.5	1,029 (-2%)	3mo	$375,000	$364	65
3609 Chestnut Ave	0.25mi	3/1.5 (+1)	1,161 (+11%)	2mo	$350,000	$301	63
3611 Chestnut Ave	0.25mi	3/1.5 (+1)	1,161 (+11%)	2mo	$349,900	$301	63
3821 Roland Ave	0.38mi	3/2.0 (+1)	1,176 (+12%)	2mo	$320,000	$272	53
3659 Chestnut Ave	0.30mi	3/3.0 (+1)	1,176 (+12%)	2mo	$355,000	$302	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 · 4.32% rent growth · sell at horizon

5-year hold

• IRR: -10.3%
• Equity multiple: 0.62×
• Total profit: $-25,031
• Equity at exit: $34,965

10-year hold

• IRR: 0.8%
• Equity multiple: 1.06×
• Total profit: $3,798
• Equity at exit: $20,275

Cash invested: $65,660 (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

Just-cause for tenancies > 1 yr.

Methodology + full state rankings →

ZIP-level market 21211

• Rents YoY: 4.3%
• Active inventory: 91
• Price-to-rent: 8.7×

Monthly cashflow live

• Estimated rent: $2,238 high
• Mortgage (P&I): −$1,230
• Tax from tax record: −$285 /mo · $3,417/yr
• Insurance: −$98
• HOA: −$0
• Vacancy / Maint / Mgmt: −$470
• Net cashflow: $156

Break-even live

Break-even rent $2,041

Max offer price $234,500

Occupancy floor 88%

Sensitivity live

Price	-10% $289	-5% $222	+0% $156	+5% $90	+10% $23
Rent	-10% $-21	-5% $67	+0% $156	+5% $244	+10% $333
Rate	-1.0pp $274	-0.5pp $216	base $156	+0.5pp $95	+1.0pp $33

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: $58,625
• Closing costs: $7,035
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
3539 Roland Ave Baltimore, MD	3.0	2.5	1320	$3,500	$2.65	45d	1	0.11mi
828 W 35th St Baltimore, MD	3.0	2.0	1204	$1,800	$1.50	25d	1	0.15mi
3507 Elm Ave Baltimore, MD	3.0	2.5	1204	$2,295	$1.91	25d	1	0.16mi
3429 Chestnut Ave Unit 2 Baltimore, MD	2.0	1.5	750	$1,899	$2.53	25d	1	0.21mi
3429 Chestnut Ave Unit 5 Baltimore, MD	2.0	2.5	900	$1,800	$2.00	25d	1	0.22mi
3501 Chestnut Ave Baltimore, MD	2.0	1.5	1192	$1,825	$1.53	25d	1	0.22mi
3100 Fallscliff Rd Baltimore, MD	2.0	1.0–2.0	729	$2,660	$3.65	3d	10	0.22mi
3534 Poole St Unit 1 Baltimore, MD	3.0	2.0	1450	$2,600	$1.79	25d	1	0.23mi
612 Harding Pl Baltimore, MD	2.0	1.0	800	$2,200	$2.75	6d	1	0.31mi
1201 Union Ave Baltimore, MD	3.0	2.0	1410	$2,575	$1.83	45d	1	0.32mi
816 W 37th St Baltimore, MD	3.0	2.5	1468	$2,700	$1.84	6d	1	0.32mi
620 W 33rd St Baltimore, MD	2.0	2.0	1200	$2,495	$2.08	21d	1	0.33mi
3638 Keswick Rd Baltimore, MD	2.0	2.0	1170	$2,500	$2.14	45d	1	0.34mi
3744 Hickory Ave Baltimore, MD	2.0	1.0	900	$1,900	$2.11	45d	1	0.34mi
1527 W 36th St Unit 2ND FLOOR Baltimore, MD	2.0	1.0	1200	$1,600	$1.33	45d	1	0.37mi
727 W 40th St Baltimore, MD	1.0–2.0	1.0–2.0	1101	$3,822	$3.47	3d	4	0.46mi
1109 W 40th St Baltimore, MD	3.0	1.5	944	$2,150	$2.28	6d	1	0.54mi
1109 W 40th St Unit 1 Baltimore, MD	2.0	1.5	1392	$2,150	$1.54	6d	1	0.54mi
3925 Beech Ave Unit 314 Baltimore, MD	2.0	2.0	1050	$1,950	$1.86	6d	1	0.60mi
4032 Falls Rd Unit 2 Baltimore, MD	2.0	1.0	1040	$1,650	$1.59	45d	1	0.63mi
4032 Falls Rd Baltimore, MD	2.0	1.0	1040	$1,645	$1.58	45d	1	0.63mi
505 W University Pkwy Unit D4 Baltimore, MD	1.0	1.0	700	$1,400	$2.00	6d	1	0.67mi
4119 Falls Rd Baltimore, MD	3.0	1.5	1316	$2,500	$1.90	45d	1	0.67mi
315 W 30th St Baltimore, MD	3.0	3.0	1200	$2,450	$2.04	19d	1	0.68mi
315 W 30th St Baltimore, MD	3.0	3.0	1250	$2,450	$1.96	17d	1	0.68mi
1011 W 42nd St Baltimore, MD	3.0	1.0	1160	$2,100	$1.81	6d	1	0.73mi
500 W University Pkwy Baltimore, MD	3.0	1.0–2.0	955	$2,537	$2.65	3d	60	0.74mi
105 W 39th St Baltimore, MD	2.0	1.0	753	$2,250	$2.99	6d	1	0.77mi
2800 Huntingdon Ave Unit A Baltimore, MD	1.0	1.0	715	$2,000	$2.80	45d	1	0.79mi
4014 Linkwood Rd Unit D Baltimore, MD	2.0	1.5	1001	$1,800	$1.80	45d	1	0.80mi
108 W 39th St Baltimore, MD	2.0	1.0–2.0	1350	$2,189	$1.62	4d	11	0.81mi
3811 Canterbury Rd Baltimore, MD	2.0	1.0–2.0	975	$2,495	$2.56	14d	5	0.83mi
2078 Druid Park Dr Unit 4 Baltimore, MD	2.0	2.5	1500	$2,500	$1.67	45d	1	0.85mi
2078 Druid Park Dr Baltimore, MD	2.0	3.0	1500	$2,500	$1.67	45d	1	0.85mi
901 Druid Park Lake Dr Baltimore, MD	1.0–2.0	1.0	681	$1,250	$1.84	45d	1	0.88mi
1 E University Pkwy Baltimore, MD	1.0–3.0	1.0–2.0	1045	$2,100	$2.01	6d	2	0.88mi
810 Brooks Ln Unit 2 Baltimore, MD	3.0	1.0	900	$1,350	$1.50	21d	1	0.89mi
3632 Parkdale Ave Baltimore, MD	3.0	1.0	1400	$3,000	$2.14	45d	1	0.89mi
2752 Maryland Ave Unit 2ND FLOOR Baltimore, MD	2.0	1.0	900	$1,500	$1.67	19d	1	0.91mi
2444 Callow Ave Unit B Baltimore, MD	2.0	1.0	980	$1,362	$1.39	6d	1	0.92mi

Listing history 39 events

1. 2026-06-21
   days on market $234,500 Active 93 DOM
2. 2026-06-18
   days on market $234,500 Active 90 DOM
3. 2026-06-17
   days on market $234,500 Active 89 DOM
4. 2026-06-16
   days on market $234,500 Active 88 DOM
5. 2026-06-15
   days on market $234,500 Active 87 DOM
6. 2026-06-13
   days on market $234,500 Active 85 DOM
7. 2026-06-09
   days on market $234,500 Active 81 DOM
8. 2026-06-08
   pricedays on market $234,500 Active 80 DOM
9. 2026-06-07
   pricedays on market $234,999 Active 79 DOM
10. 2026-06-04
    days on market $239,900 Active 76 DOM
11. 2026-06-03
    days on market $239,900 Active 75 DOM
12. 2026-06-02
    days on market $239,900 Active 74 DOM
13. 2026-06-01
    days on market $239,900 Active 73 DOM
14. 2026-05-31
    days on market $239,900 Active 72 DOM
15. 2026-05-16
    price $239,900 1683-char remark

    Show marketing remark (1683 chars)

    Nestled in the heart of Hampden, this beautifully updated three-story brick rowhome combines historic Baltimore charm with stylish, modern updates.   Enjoy peace of mind with brand-new updates throughout, including new windows, a new furnace, new water heater, new roof, and a brand-new front porch—all the big-ticket items are already taken care of. Just steps from “The Avenue” and everything that makes this neighborhood one of the city’s most beloved, 3432 Roland offers a rare opportunity to enjoy walkable city living at its best. Step inside to find Open concept spacious living room as it  flows seamlessly into the kitchen, featuring new appliances including a brand new stove , and ample storage.   Cold storage rear porch functions as a pantry and mudroom helping you stay organized. Upstairs, you’ll find comfortable bedroom, closet/ dressing room or extra office space and a full bath. The finished lower level offers flexible space for a guest room, home office, or media area, along with convenient laundry, storage, and a full bath. A ground level entrance and large windows make this feel more like main level living space than a basement and would be great short term rental opportunity. Outside, enjoy a welcoming extra large front porch, and small outdoor space in front and back. Just enough for a few plants to enjoy but not large enough to require a green thumb.  Located minutes from boutique shopping, award-winning dining, and local parks, this Hampden gem offers the true charm of Baltimore living — where historic character meets vibrant community.

16. 2026-05-11
    price $249,000 1683-char remark

    Show marketing remark (1683 chars)

    Nestled in the heart of Hampden, this beautifully updated three-story brick rowhome combines historic Baltimore charm with stylish, modern updates.   Enjoy peace of mind with brand-new updates throughout, including new windows, a new furnace, new water heater, new roof, and a brand-new front porch—all the big-ticket items are already taken care of. Just steps from “The Avenue” and everything that makes this neighborhood one of the city’s most beloved, 3432 Roland offers a rare opportunity to enjoy walkable city living at its best. Step inside to find Open concept spacious living room as it  flows seamlessly into the kitchen, featuring new appliances including a brand new stove , and ample storage.   Cold storage rear porch functions as a pantry and mudroom helping you stay organized. Upstairs, you’ll find comfortable bedroom, closet/ dressing room or extra office space and a full bath. The finished lower level offers flexible space for a guest room, home office, or media area, along with convenient laundry, storage, and a full bath. A ground level entrance and large windows make this feel more like main level living space than a basement and would be great short term rental opportunity. Outside, enjoy a welcoming extra large front porch, and small outdoor space in front and back. Just enough for a few plants to enjoy but not large enough to require a green thumb.  Located minutes from boutique shopping, award-winning dining, and local parks, this Hampden gem offers the true charm of Baltimore living — where historic character meets vibrant community.

17. 2026-05-06
    price $249,900 1683-char remark

    Show marketing remark (1683 chars)

    Nestled in the heart of Hampden, this beautifully updated three-story brick rowhome combines historic Baltimore charm with stylish, modern updates.   Enjoy peace of mind with brand-new updates throughout, including new windows, a new furnace, new water heater, new roof, and a brand-new front porch—all the big-ticket items are already taken care of. Just steps from “The Avenue” and everything that makes this neighborhood one of the city’s most beloved, 3432 Roland offers a rare opportunity to enjoy walkable city living at its best. Step inside to find Open concept spacious living room as it  flows seamlessly into the kitchen, featuring new appliances including a brand new stove , and ample storage.   Cold storage rear porch functions as a pantry and mudroom helping you stay organized. Upstairs, you’ll find comfortable bedroom, closet/ dressing room or extra office space and a full bath. The finished lower level offers flexible space for a guest room, home office, or media area, along with convenient laundry, storage, and a full bath. A ground level entrance and large windows make this feel more like main level living space than a basement and would be great short term rental opportunity. Outside, enjoy a welcoming extra large front porch, and small outdoor space in front and back. Just enough for a few plants to enjoy but not large enough to require a green thumb.  Located minutes from boutique shopping, award-winning dining, and local parks, this Hampden gem offers the true charm of Baltimore living — where historic character meets vibrant community.

18. 2026-05-01
    price $259,000 1683-char remark

    Show marketing remark (1683 chars)

    Nestled in the heart of Hampden, this beautifully updated three-story brick rowhome combines historic Baltimore charm with stylish, modern updates.   Enjoy peace of mind with brand-new updates throughout, including new windows, a new furnace, new water heater, new roof, and a brand-new front porch—all the big-ticket items are already taken care of. Just steps from “The Avenue” and everything that makes this neighborhood one of the city’s most beloved, 3432 Roland offers a rare opportunity to enjoy walkable city living at its best. Step inside to find Open concept spacious living room as it  flows seamlessly into the kitchen, featuring new appliances including a brand new stove , and ample storage.   Cold storage rear porch functions as a pantry and mudroom helping you stay organized. Upstairs, you’ll find comfortable bedroom, closet/ dressing room or extra office space and a full bath. The finished lower level offers flexible space for a guest room, home office, or media area, along with convenient laundry, storage, and a full bath. A ground level entrance and large windows make this feel more like main level living space than a basement and would be great short term rental opportunity. Outside, enjoy a welcoming extra large front porch, and small outdoor space in front and back. Just enough for a few plants to enjoy but not large enough to require a green thumb.  Located minutes from boutique shopping, award-winning dining, and local parks, this Hampden gem offers the true charm of Baltimore living — where historic character meets vibrant community.

19. 2026-05-01
    status Active 1683-char remark

    Show marketing remark (1683 chars)

    Nestled in the heart of Hampden, this beautifully updated three-story brick rowhome combines historic Baltimore charm with stylish, modern updates.   Enjoy peace of mind with brand-new updates throughout, including new windows, a new furnace, new water heater, new roof, and a brand-new front porch—all the big-ticket items are already taken care of. Just steps from “The Avenue” and everything that makes this neighborhood one of the city’s most beloved, 3432 Roland offers a rare opportunity to enjoy walkable city living at its best. Step inside to find Open concept spacious living room as it  flows seamlessly into the kitchen, featuring new appliances including a brand new stove , and ample storage.   Cold storage rear porch functions as a pantry and mudroom helping you stay organized. Upstairs, you’ll find comfortable bedroom, closet/ dressing room or extra office space and a full bath. The finished lower level offers flexible space for a guest room, home office, or media area, along with convenient laundry, storage, and a full bath. A ground level entrance and large windows make this feel more like main level living space than a basement and would be great short term rental opportunity. Outside, enjoy a welcoming extra large front porch, and small outdoor space in front and back. Just enough for a few plants to enjoy but not large enough to require a green thumb.  Located minutes from boutique shopping, award-winning dining, and local parks, this Hampden gem offers the true charm of Baltimore living — where historic character meets vibrant community.

20. 2025-11-28
    historical 1683-char remark

    Show marketing remark (1683 chars)

    Nestled in the heart of Hampden, this beautifully updated three-story brick rowhome combines historic Baltimore charm with stylish, modern updates.   Enjoy peace of mind with brand-new updates throughout, including new windows, a new furnace, new water heater, new roof, and a brand-new front porch—all the big-ticket items are already taken care of. Just steps from “The Avenue” and everything that makes this neighborhood one of the city’s most beloved, 3432 Roland offers a rare opportunity to enjoy walkable city living at its best. Step inside to find Open concept spacious living room as it  flows seamlessly into the kitchen, featuring new appliances including a brand new stove , and ample storage.   Cold storage rear porch functions as a pantry and mudroom helping you stay organized. Upstairs, you’ll find comfortable bedroom, closet/ dressing room or extra office space and a full bath. The finished lower level offers flexible space for a guest room, home office, or media area, along with convenient laundry, storage, and a full bath. A ground level entrance and large windows make this feel more like main level living space than a basement and would be great short term rental opportunity. Outside, enjoy a welcoming extra large front porch, and small outdoor space in front and back. Just enough for a few plants to enjoy but not large enough to require a green thumb.  Located minutes from boutique shopping, award-winning dining, and local parks, this Hampden gem offers the true charm of Baltimore living — where historic character meets vibrant community.

21. 2025-11-11
    price $246,500 1683-char remark

    Show marketing remark (1683 chars)

    Nestled in the heart of Hampden, this beautifully updated three-story brick rowhome combines historic Baltimore charm with stylish, modern updates.   Enjoy peace of mind with brand-new updates throughout, including new windows, a new furnace, new water heater, new roof, and a brand-new front porch—all the big-ticket items are already taken care of. Just steps from “The Avenue” and everything that makes this neighborhood one of the city’s most beloved, 3432 Roland offers a rare opportunity to enjoy walkable city living at its best. Step inside to find Open concept spacious living room as it  flows seamlessly into the kitchen, featuring new appliances including a brand new stove , and ample storage.   Cold storage rear porch functions as a pantry and mudroom helping you stay organized. Upstairs, you’ll find comfortable bedroom, closet/ dressing room or extra office space and a full bath. The finished lower level offers flexible space for a guest room, home office, or media area, along with convenient laundry, storage, and a full bath. A ground level entrance and large windows make this feel more like main level living space than a basement and would be great short term rental opportunity. Outside, enjoy a welcoming extra large front porch, and small outdoor space in front and back. Just enough for a few plants to enjoy but not large enough to require a green thumb.  Located minutes from boutique shopping, award-winning dining, and local parks, this Hampden gem offers the true charm of Baltimore living — where historic character meets vibrant community.

22. 2025-10-24
    price $249,000 1683-char remark

    Show marketing remark (1683 chars)

    Nestled in the heart of Hampden, this beautifully updated three-story brick rowhome combines historic Baltimore charm with stylish, modern updates.   Enjoy peace of mind with brand-new updates throughout, including new windows, a new furnace, new water heater, new roof, and a brand-new front porch—all the big-ticket items are already taken care of. Just steps from “The Avenue” and everything that makes this neighborhood one of the city’s most beloved, 3432 Roland offers a rare opportunity to enjoy walkable city living at its best. Step inside to find Open concept spacious living room as it  flows seamlessly into the kitchen, featuring new appliances including a brand new stove , and ample storage.   Cold storage rear porch functions as a pantry and mudroom helping you stay organized. Upstairs, you’ll find comfortable bedroom, closet/ dressing room or extra office space and a full bath. The finished lower level offers flexible space for a guest room, home office, or media area, along with convenient laundry, storage, and a full bath. A ground level entrance and large windows make this feel more like main level living space than a basement and would be great short term rental opportunity. Outside, enjoy a welcoming extra large front porch, and small outdoor space in front and back. Just enough for a few plants to enjoy but not large enough to require a green thumb.  Located minutes from boutique shopping, award-winning dining, and local parks, this Hampden gem offers the true charm of Baltimore living — where historic character meets vibrant community.

23. 2025-10-17
    listed $259,000 Active 1683-char remark

    Show marketing remark (1683 chars)

    Nestled in the heart of Hampden, this beautifully updated three-story brick rowhome combines historic Baltimore charm with stylish, modern updates.   Enjoy peace of mind with brand-new updates throughout, including new windows, a new furnace, new water heater, new roof, and a brand-new front porch—all the big-ticket items are already taken care of. Just steps from “The Avenue” and everything that makes this neighborhood one of the city’s most beloved, 3432 Roland offers a rare opportunity to enjoy walkable city living at its best. Step inside to find Open concept spacious living room as it  flows seamlessly into the kitchen, featuring new appliances including a brand new stove , and ample storage.   Cold storage rear porch functions as a pantry and mudroom helping you stay organized. Upstairs, you’ll find comfortable bedroom, closet/ dressing room or extra office space and a full bath. The finished lower level offers flexible space for a guest room, home office, or media area, along with convenient laundry, storage, and a full bath. A ground level entrance and large windows make this feel more like main level living space than a basement and would be great short term rental opportunity. Outside, enjoy a welcoming extra large front porch, and small outdoor space in front and back. Just enough for a few plants to enjoy but not large enough to require a green thumb.  Located minutes from boutique shopping, award-winning dining, and local parks, this Hampden gem offers the true charm of Baltimore living — where historic character meets vibrant community.

24. 2024-03-14
    soldstatus $217,500
25. 2015-07-27
    soldstatus $135,000
26. 2015-06-26
    soldstatus $135,000 412-char remark

    Show marketing remark (412 chars)

    THIS LOVELY COZY HOME SHOWS PRIDE OF OWNERSHIP & IS 1 BLOCK FROM POPULAR DOWNTOWN HAMPDEN. IT BOASTS TALL CEILINGS, EAT IN KIT & LG BRS/CLOSETS FOR THE TIME PERIOD THIS HOME WAS BUILT! SPACIOUS REC AREA IN LL W/ BATH. RELAX ON THE SHADY PORCH OVERLOOKING LANDSCAPING OR THE SITTING AREA IN THE BACKYARD W/ BUILT-IN SHELVING. THIS HOME HAS A LOT OF PERSONALITY-DON'T MISS OUT! CONVENIENT TO EVERYTHING

27. 2015-06-26
    soldstatus $135,000 Sold

    Show marketing remark (412 chars)

    THIS LOVELY COZY HOME SHOWS PRIDE OF OWNERSHIP & IS 1 BLOCK FROM POPULAR DOWNTOWN HAMPDEN. IT BOASTS TALL CEILINGS, EAT IN KIT & LG BRS/CLOSETS FOR THE TIME PERIOD THIS HOME WAS BUILT! SPACIOUS REC AREA IN LL W/ BATH. RELAX ON THE SHADY PORCH OVERLOOKING LANDSCAPING OR THE SITTING AREA IN THE BACKYARD W/ BUILT-IN SHELVING. THIS HOME HAS A LOT OF PERSONALITY-DON'T MISS OUT! CONVENIENT TO EVERYTHING

28. 2015-05-19
    status Contract
29. 2015-05-05
    listed $139,000 Active
30. 2008-05-21
    soldstatus $151,000
31. 2008-05-14
    soldstatus $151,000 Sold
32. 2008-03-12
    historical
33. 2008-03-05
    price $150,000
34. 2008-02-19
    price $160,000
35. 2008-02-04
    price $179,900
36. 2008-01-14
    listed $189,900
37. 2003-09-18
    soldstatus $95,000
38. 1988-01-06
    soldstatus $37,500
39. 1982-06-22
    soldstatus $25,000

ⓘ 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: $3,417 · $285/mo
• Projected year-2 tax: $3,417 · $285/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) · 22% chance over 30 yrs
• 🔥 Wildfire 1/10 Low
• 🌡 Heat 7/10 Severe 7 d/yr ≥103°F today · 15 d/yr by 30 yrs out
• 💨 Wind 6/10 Major 27% chance of damaging wind over 30 yrs
• 🫁 Air quality 4/10 Moderate 6 unhealthy d/yr today · 7 by 30 yrs out

Taxation est. · year 1

• Rental income: $26,857
• − Mortgage interest: −$13,136
• − Property taxes: −$3,417
• − Insurance: −$1,172
• − Repairs & maintenance: −$2,149
• − Management: −$2,149
• − Depreciation: −$6,822
• Taxable loss: −$1,987
• Est. tax savings @ 24.0%: +$477
• After-tax cash flow: $2,347/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

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

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): 14,969
• Household income: $82,828
• Rent vs Own: 39.5% rent · 60.5% own
• Severe rent burden: 635.0

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 White (73%)
• Race & ethnicity: White 73% Black 10% Two or more races 7% Hispanic / Latino 7% Asian 5% Native American 1%
• Hispanic origin (detail): Mexican 2% Puerto Rican 1%
• Common ancestry: Romanian 5% Italian 2% Slovak 2%
• Foreign-born: 9% · Canada, China, Dominican Republic
• Languages at home: 87% English-only · Spanish 5% Other Indo-European 2% Chinese 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: ▼ -409.24%
• Current HPI: 458.2576
• Rent YoY: ▲ 4.32%
• 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

+859.6% since first listed

25 events — show timeline

• 2026-05-16 Price Changed $239,900 BRIGHT MLS
• 2026-05-11 Price Changed $249,000 BRIGHT MLS
• 2026-05-06 Price Changed $249,900 BRIGHT MLS
• 2026-05-01 Price Changed $259,000 BRIGHT MLS
• 2026-05-01 Relisted — BRIGHT MLS
• 2025-11-28 Listing Removed — BRIGHT MLS
• 2025-11-11 Price Changed $246,500 BRIGHT MLS
• 2025-10-24 Price Changed $249,000 BRIGHT MLS
• 2025-10-17 Listed $259,000 BRIGHT MLS
• 2024-03-14 Sold (Public Records) $217,500 Public Records
• 2015-07-27 Sold (Public Records) $135,000 Public Records
• 2015-06-26 Sold (MLS) $135,000 MRIS
• 2015-06-26 Sold (MLS) $135,000 BRIGHT MLS
• 2015-05-19 Pending — MRIS
• 2015-05-05 Listed $139,000 MRIS
• 2008-05-21 Sold (Public Records) $151,000 Public Records
• 2008-05-14 Sold (MLS) $151,000 MRIS
• 2008-03-12 Delisted — MRIS
• 2008-03-05 Price Changed $150,000 MRIS
• 2008-02-19 Price Changed $160,000 MRIS
• 2008-02-04 Price Changed $179,900 MRIS
• 2008-01-14 Listed $189,900 MRIS
• 2003-09-18 Sold (Public Records) $95,000 Public Records
• 1988-01-06 Sold (Public Records) $37,500 Public Records
• 1982-06-22 Sold (Public Records) $25,000 Public Records

Property tax history

-0.2%/yr

Latest (2025): $3,417 · +2.8% YoY. Source: county tax records.