3642 Malden Ave · Baltimore, MD
Flood risk 1/10 · Minimal
- FEMA flood zone
- X (unshaded)
- Chance of flooding over 30 yrs
- 0.0%
- Est. flood insurance / yr
- $473 – $860
Fire risk 1/10 · Minimal
- Est. fire insurance / yr
- $755 – $1,403
Heat risk 7/10 · Major
- Hot days now (above 104°F)
- 7 days/yr
- Hot days in 30 yrs
- 15 days/yr
Wind risk 6/10 · Moderate
- Chance of severe wind over 30 yrs
- 27.0%
Air-quality risk 3/10 · Minor
- Unhealthy air days now
- 3 days/yr
- Unhealthy air days in 30 yrs
- 4 days/yr
Risk factors via First Street. Map © Google.
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 +17.0/30.0
- ARV discount +15.0/15.0
- DSCR +5.3/10.0
- 1% rule +4.4/10.0
- 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
$285,000
🖨 Deal sheet 📄 Offer letter ✓ Due diligence
Listing remarks MLS
* * * * * Price reduced for a Quick Sale- Motivated Seller * * * * * Remarkable opportunity to own gorgeous Home in a prime location!!! Act fast, it won’t last long!!! This beautiful spacious Townhouse located in the heart of the Woodberry neighborhood includes four bedrooms, one and a half bathrooms, a basement, sunroom, porch and a roomy backyard. The main level features a spacious living room and a kitchen with a large dining room, while the upper levels offer four comfortable bedrooms and one-and-a-half bathrooms. The lower level includes a walk-out basement that provides additional living space. This home also boasts large bed rooms and two upper levels designed for comfort and ample space. The kitchen leads to a sunroom overlooking the fully fenced backyard. The home features a combination of hardwood, laminate and carpet flooring throughout, including the bedrooms, kitchen, bathrooms, and basement. Recent upgrades include -Fresh paint, New Furnace, New Water Heater and a recently replaced Roof—providing added peace of mind for prospective buyers.
Key facts
- Parking
- Built 1920
- Listed 18 days
Neighborhood map
What this means for you Summary
Snapshot
- This is a 4-bed/1.5-bath townhouse listed at $285k.
Deal economics
- At list price, monthly cash flow is $193 ($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 $267k (6.2% below list).
- Recommended offer: $267k (6.2% below list) — sets the bar for 1% rule.
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: schools D, 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.
- Market conditions: Rents rising fast (+4.3%/yr); 91 active listings in the ZIP; 15 comparable units currently listed for rent nearby; rentals at typical pace (median 24d on market — plan ~3-4 weeks tenant-placement turnaround); 47% of comp listings sitting > 30 days — soft ceiling on asking rent; solid renter incomes; 1,273 units permitted in Baltimore city in 2024 (1,104 in 5+ unit buildings).
- This rent runs 39% 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 $9k 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 18 days — a 2% lower offer ($281k) is reasonable based on typical stale-listing flexibility.
- 3 sale attempts since 6y 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 $194k; 47% above their basis — modest negotiation headroom, anchor on the comps not their cost.
Risks & watch-outs
- Watch-outs: built in 1920 — 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.
Questions for the listing agent
- Built in 1920 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
- Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
- 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?
- 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?
- 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.
- 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.
- 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
- 0.94% ✗
- Cap rate
- 7.10%
- Cash-on-cash
- 2.90%
- DSCR
- 1.13
- GRM
- 8.9
CMA / ARV
- ARV (median comp)
- $396,560
- List price
- $285,000
- Delta
- -28.13%
- 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 |
|---|---|---|---|---|---|---|---|
| 3642 Malden Ave | 0.00mi | 4/1.5 | 2,316 (0%) | 1mo | $285,000 | $123 | 99 |
| 3512 Reisterstown Rd | 0.56mi | 4/1.0 | 2,145 (-7%) | 7mo | $59,900 | $28 | 54 |
| 3515 Foundry Mews | 0.23mi | 3/3.5 (-1) | 2,000 (-14%) | 5mo | $395,000 | $198 | 50 |
| 3922 Reisterstown Rd | 0.67mi | 4/2.5 | 2,600 (+12%) | 1mo | $265,000 | $102 | 44 |
| 1456 Redfern Ave | 0.61mi | 3/4.0 (-1) | 2,150 (-7%) | 4mo | $525,000 | $244 | 41 |
| 4412 Roland Heights Ave | 0.62mi | 4/4.5 | 2,562 (+11%) | 5mo | $479,900 | $187 | 37 |
| 4309 Laplata Ave | 0.54mi | 3/3.5 (-1) | 2,040 (-12%) | 6mo | $420,000 | $206 | 36 |
| 4351 Laplata Ave | 0.63mi | 4/4.5 | 2,562 (+11%) | 6mo | $479,900 | $187 | 36 |
| 4418 Roland Heights Ave | 0.63mi | 4/4.5 | 2,562 (+11%) | 8mo | $513,000 | $200 | 35 |
| 4347 Laplata Ave | 0.62mi | 5/4.5 (+1) | 2,562 (+11%) | 6mo | $514,900 | $201 | 31 |
| 1302 Morling Ave | 0.72mi | 3/3.5 (-1) | 2,079 (-10%) | 6mo | $405,000 | $195 | 31 |
| 2633 Park Heights Ter | 0.71mi | 5/4.0 (+1) | 2,600 (+12%) | 5mo | $299,995 | $115 | 27 |
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
- IRR
- -10.3%
- Equity multiple
- 0.62×
- Total profit
- $-30,312
- Equity at exit
- $42,494
- IRR
- 0.8%
- Equity multiple
- 1.06×
- Total profit
- $4,594
- Equity at exit
- $24,642
Cash invested: $79,800 (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
ZIP-level market 21211
- Rents YoY
- 4.3%
- Active inventory
- 91
- Price-to-rent
- 8.9×
Monthly cashflow live
- Estimated rent
- $2,673 high interval (Pro) →
- Mortgage (P&I)
- −$1,495
- Tax from tax record
- −$306 /mo · $3,667/yr
- Insurance
- −$119
- HOA
- −$0
- Vacancy / Maint / Mgmt
- −$561
- Net cashflow
- $193
Break-even live
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
- $71,250
- Closing costs
- $8,550
- Reserves months
- —
- Total cash needed
- —
Loan-product check · same deal, 3 products live
Conventional
25% down · 7.5% · 30yr
- Down + closing
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
Personal DTI + credit; lowest rate.
DSCR
20% down · 8.5% · 30yr
- Down + closing
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
No personal income docs; deal must DSCR.
Hard money
10% down · 12.0% · 12mo
- Down + closing
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
Short-term bridge; refi at stabilization.
Rent comps 15 comps
| Address | Beds | Baths | Sqft | Rent | $/sqft | DOM | Units | Dist |
|---|---|---|---|---|---|---|---|---|
| 4320 Roland Heights Ave Baltimore, MD | 3.0 | 2.5 | 1800 | $3,300 | $1.83 | 17d | 1 | 0.51mi |
| 4322 Roland Heights Ave Baltimore, MD | 3.0 | 3.0 | 1800 | $3,000 | $1.67 | 43d | 1 | 0.51mi |
| 4319 Medfield Ave Baltimore, MD | 3.0 | 2.5 | 1800 | $3,100 | $1.72 | 43d | 1 | 0.55mi |
| 2001 W Cold Spring Ln Baltimore, MD | 1.0–3.0 | 1.0–2.0 | 1154 | $3,505 | $3.04 | 1d | 31 | 0.76mi |
| 2305 Wichita Ave Unit 1 Baltimore, MD | 3.0 | 1.0 | 1950 | $1,300 | $0.67 | 23d | 1 | 0.80mi |
| 3204 Sequoia Ave Baltimore, MD | 4.0 | 2.5 | 1791 | $2,600 | $1.45 | 43d | 1 | 0.92mi |
| 3104 Tioga Pkwy Baltimore, MD | 3.0 | 2.0 | 1640 | $2,050 | $1.25 | 21d | 1 | 1.14mi |
| 3348 Chestnut Ave Baltimore, MD | 4.0 | 3.5 | 1702 | $3,200 | $1.88 | 23d | 1 | 1.20mi |
| 2201 Whittier Ave Baltimore, MD | 4.0 | 2.0 | 1750 | $1,700 | $0.97 | 17d | 1 | 1.20mi |
| 2201 Whittier Ave Baltimore, MD | 4.0 | 2.0 | 1750 | $1,700 | $0.97 | 43d | 1 | 1.20mi |
| 4704 Pimlico Rd Baltimore, MD | 3.0 | 1.5 | 2006 | $1,800 | $0.90 | 23d | 1 | 1.28mi |
| 2128 N Pulaski St Baltimore, MD | 4.0 | 3.0 | 2166 | $2,200 | $1.02 | 43d | 1 | 1.40mi |
| 2511 Madison Ave Unit 1 Baltimore, MD | 4.0 | 2.0 | 2700 | $2,700 | $1.00 | 43d | 1 | 1.47mi |
| 2534 McCulloh St Unit 1 Baltimore, MD | 4.0 | 2.0 | 2861 | $3,300 | $1.15 | 23d | 1 | 1.47mi |
| 2535 Brookfield Ave Baltimore, MD | 3.0 | 1.0 | 2736 | $1,500 | $0.55 | 43d | 1 | 1.48mi |
Listing history 13 events
-
2026-05-10historical Active Under Contract 1091-char remark
Show marketing remark (1091 chars)
* * * * * Price reduced for a Quick Sale- Motivated Seller * * * * * Remarkable opportunity to own gorgeous Home in a prime location!!! Act fast, it won’t last long!!! This beautiful spacious Townhouse located in the heart of the Woodberry neighborhood includes four bedrooms, one and a half bathrooms, a basement, sunroom, porch and a roomy backyard. The main level features a spacious living room and a kitchen with a large dining room, while the upper levels offer four comfortable bedrooms and one-and-a-half bathrooms. The lower level includes a walk-out basement that provides additional living space. This home also boasts large bed rooms and two upper levels designed for comfort and ample space. The kitchen leads to a sunroom overlooking the fully fenced backyard. The home features a combination of hardwood, laminate and carpet flooring throughout, including the bedrooms, kitchen, bathrooms, and basement. Recent upgrades include -Fresh paint, New Furnace, New Water Heater and a recently replaced Roof—providing added peace of mind for prospective buyers.
-
2026-05-10status Active 1091-char remark
Show marketing remark (1091 chars)
* * * * * Price reduced for a Quick Sale- Motivated Seller * * * * * Remarkable opportunity to own gorgeous Home in a prime location!!! Act fast, it won’t last long!!! This beautiful spacious Townhouse located in the heart of the Woodberry neighborhood includes four bedrooms, one and a half bathrooms, a basement, sunroom, porch and a roomy backyard. The main level features a spacious living room and a kitchen with a large dining room, while the upper levels offer four comfortable bedrooms and one-and-a-half bathrooms. The lower level includes a walk-out basement that provides additional living space. This home also boasts large bed rooms and two upper levels designed for comfort and ample space. The kitchen leads to a sunroom overlooking the fully fenced backyard. The home features a combination of hardwood, laminate and carpet flooring throughout, including the bedrooms, kitchen, bathrooms, and basement. Recent upgrades include -Fresh paint, New Furnace, New Water Heater and a recently replaced Roof—providing added peace of mind for prospective buyers.
-
2026-05-09historical 1091-char remark
Show marketing remark (1091 chars)
* * * * * Price reduced for a Quick Sale- Motivated Seller * * * * * Remarkable opportunity to own gorgeous Home in a prime location!!! Act fast, it won’t last long!!! This beautiful spacious Townhouse located in the heart of the Woodberry neighborhood includes four bedrooms, one and a half bathrooms, a basement, sunroom, porch and a roomy backyard. The main level features a spacious living room and a kitchen with a large dining room, while the upper levels offer four comfortable bedrooms and one-and-a-half bathrooms. The lower level includes a walk-out basement that provides additional living space. This home also boasts large bed rooms and two upper levels designed for comfort and ample space. The kitchen leads to a sunroom overlooking the fully fenced backyard. The home features a combination of hardwood, laminate and carpet flooring throughout, including the bedrooms, kitchen, bathrooms, and basement. Recent upgrades include -Fresh paint, New Furnace, New Water Heater and a recently replaced Roof—providing added peace of mind for prospective buyers.
-
2026-04-27price $285,000 1091-char remark
Show marketing remark (1091 chars)
* * * * * Price reduced for a Quick Sale- Motivated Seller * * * * * Remarkable opportunity to own gorgeous Home in a prime location!!! Act fast, it won’t last long!!! This beautiful spacious Townhouse located in the heart of the Woodberry neighborhood includes four bedrooms, one and a half bathrooms, a basement, sunroom, porch and a roomy backyard. The main level features a spacious living room and a kitchen with a large dining room, while the upper levels offer four comfortable bedrooms and one-and-a-half bathrooms. The lower level includes a walk-out basement that provides additional living space. This home also boasts large bed rooms and two upper levels designed for comfort and ample space. The kitchen leads to a sunroom overlooking the fully fenced backyard. The home features a combination of hardwood, laminate and carpet flooring throughout, including the bedrooms, kitchen, bathrooms, and basement. Recent upgrades include -Fresh paint, New Furnace, New Water Heater and a recently replaced Roof—providing added peace of mind for prospective buyers.
-
2026-04-22$289,999 Active 1091-char remark
Show marketing remark (1091 chars)
* * * * * Price reduced for a Quick Sale- Motivated Seller * * * * * Remarkable opportunity to own gorgeous Home in a prime location!!! Act fast, it won’t last long!!! This beautiful spacious Townhouse located in the heart of the Woodberry neighborhood includes four bedrooms, one and a half bathrooms, a basement, sunroom, porch and a roomy backyard. The main level features a spacious living room and a kitchen with a large dining room, while the upper levels offer four comfortable bedrooms and one-and-a-half bathrooms. The lower level includes a walk-out basement that provides additional living space. This home also boasts large bed rooms and two upper levels designed for comfort and ample space. The kitchen leads to a sunroom overlooking the fully fenced backyard. The home features a combination of hardwood, laminate and carpet flooring throughout, including the bedrooms, kitchen, bathrooms, and basement. Recent upgrades include -Fresh paint, New Furnace, New Water Heater and a recently replaced Roof—providing added peace of mind for prospective buyers.
-
2021-02-03soldstatus $194,000 Closed 508-char remark
Show marketing remark (508 chars)
MOVE IN READY! THIS HOME WELCOMES YOU WITH A LARGE COVERED FRONT PORCH, LARGE ROOM LAYOUT THAT FEATURES 4 BEDROOMS, 1.5 BATHS OVER 4-LEVELS TOTALLING APPROXIMATELY 2100 FINISHED SQ FT--HARDWOOD FLOORING--OPEN LIVING ROOM--SEPARATE DINING ROOM--MAIN LEVEL LAUNDRY AREA--BONUS ROOM OFF OF KITCHEN--FINISHED LOWER LEVEL--FENCED REAR YARD WITH SHED FOR ADDITIONAL STORAGE AND A 1 CAR PARKING PAD IN REAR! CLOSE TO COMMUTER ROUTES, DOWNTOWN, THE BALTIMORE ZOO, WOODBERRY KITCHEN, UNION COLLECTIVE, AND MUCH MORE!
-
2020-12-21status Pending 508-char remark
Show marketing remark (508 chars)
MOVE IN READY! THIS HOME WELCOMES YOU WITH A LARGE COVERED FRONT PORCH, LARGE ROOM LAYOUT THAT FEATURES 4 BEDROOMS, 1.5 BATHS OVER 4-LEVELS TOTALLING APPROXIMATELY 2100 FINISHED SQ FT--HARDWOOD FLOORING--OPEN LIVING ROOM--SEPARATE DINING ROOM--MAIN LEVEL LAUNDRY AREA--BONUS ROOM OFF OF KITCHEN--FINISHED LOWER LEVEL--FENCED REAR YARD WITH SHED FOR ADDITIONAL STORAGE AND A 1 CAR PARKING PAD IN REAR! CLOSE TO COMMUTER ROUTES, DOWNTOWN, THE BALTIMORE ZOO, WOODBERRY KITCHEN, UNION COLLECTIVE, AND MUCH MORE!
-
2020-12-19historical 508-char remark
Show marketing remark (508 chars)
MOVE IN READY! THIS HOME WELCOMES YOU WITH A LARGE COVERED FRONT PORCH, LARGE ROOM LAYOUT THAT FEATURES 4 BEDROOMS, 1.5 BATHS OVER 4-LEVELS TOTALLING APPROXIMATELY 2100 FINISHED SQ FT--HARDWOOD FLOORING--OPEN LIVING ROOM--SEPARATE DINING ROOM--MAIN LEVEL LAUNDRY AREA--BONUS ROOM OFF OF KITCHEN--FINISHED LOWER LEVEL--FENCED REAR YARD WITH SHED FOR ADDITIONAL STORAGE AND A 1 CAR PARKING PAD IN REAR! CLOSE TO COMMUTER ROUTES, DOWNTOWN, THE BALTIMORE ZOO, WOODBERRY KITCHEN, UNION COLLECTIVE, AND MUCH MORE!
-
2020-11-13price $210,000 508-char remark
Show marketing remark (508 chars)
MOVE IN READY! THIS HOME WELCOMES YOU WITH A LARGE COVERED FRONT PORCH, LARGE ROOM LAYOUT THAT FEATURES 4 BEDROOMS, 1.5 BATHS OVER 4-LEVELS TOTALLING APPROXIMATELY 2100 FINISHED SQ FT--HARDWOOD FLOORING--OPEN LIVING ROOM--SEPARATE DINING ROOM--MAIN LEVEL LAUNDRY AREA--BONUS ROOM OFF OF KITCHEN--FINISHED LOWER LEVEL--FENCED REAR YARD WITH SHED FOR ADDITIONAL STORAGE AND A 1 CAR PARKING PAD IN REAR! CLOSE TO COMMUTER ROUTES, DOWNTOWN, THE BALTIMORE ZOO, WOODBERRY KITCHEN, UNION COLLECTIVE, AND MUCH MORE!
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2020-10-16price $225,000 508-char remark
Show marketing remark (508 chars)
MOVE IN READY! THIS HOME WELCOMES YOU WITH A LARGE COVERED FRONT PORCH, LARGE ROOM LAYOUT THAT FEATURES 4 BEDROOMS, 1.5 BATHS OVER 4-LEVELS TOTALLING APPROXIMATELY 2100 FINISHED SQ FT--HARDWOOD FLOORING--OPEN LIVING ROOM--SEPARATE DINING ROOM--MAIN LEVEL LAUNDRY AREA--BONUS ROOM OFF OF KITCHEN--FINISHED LOWER LEVEL--FENCED REAR YARD WITH SHED FOR ADDITIONAL STORAGE AND A 1 CAR PARKING PAD IN REAR! CLOSE TO COMMUTER ROUTES, DOWNTOWN, THE BALTIMORE ZOO, WOODBERRY KITCHEN, UNION COLLECTIVE, AND MUCH MORE!
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2020-09-22$250,000 Active 508-char remark
Show marketing remark (508 chars)
MOVE IN READY! THIS HOME WELCOMES YOU WITH A LARGE COVERED FRONT PORCH, LARGE ROOM LAYOUT THAT FEATURES 4 BEDROOMS, 1.5 BATHS OVER 4-LEVELS TOTALLING APPROXIMATELY 2100 FINISHED SQ FT--HARDWOOD FLOORING--OPEN LIVING ROOM--SEPARATE DINING ROOM--MAIN LEVEL LAUNDRY AREA--BONUS ROOM OFF OF KITCHEN--FINISHED LOWER LEVEL--FENCED REAR YARD WITH SHED FOR ADDITIONAL STORAGE AND A 1 CAR PARKING PAD IN REAR! CLOSE TO COMMUTER ROUTES, DOWNTOWN, THE BALTIMORE ZOO, WOODBERRY KITCHEN, UNION COLLECTIVE, AND MUCH MORE!
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2016-10-13soldstatus $185,000
-
1983-08-08soldstatus $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
- $3,667 · $306/mo
- Projected year-2 tax
- $3,667 · $306/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 7/10 Severe 7 d/yr ≥104°F today · 15 d/yr by 30 yrs out
- Wind 6/10 Major 27% chance of damaging wind over 30 yrs
- Air quality 3/10 Moderate 3 unhealthy d/yr today · 4 by 30 yrs out
Nearby sold comps map
Loading sold comps map…
Walkable amenities ~0.75 mi
Loading nearby amenities…
Taxation est. · year 1
- Rental income
- $32,073
- − Mortgage interest
- −$15,964
- − Property taxes
- −$3,667
- − Insurance
- −$1,425
- − Repairs & maintenance
- −$2,566
- − Management
- −$2,566
- − Depreciation
- −$8,291
- Taxable loss
- −$2,406
- Est. tax savings @ 24.0%
- +$577
- After-tax cash flow
- $2,888/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
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
- 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
+1040.0% since first listed13 events — show timeline
- 2026-05-10 Contingent — BRIGHT MLS
- 2026-05-10 Relisted — BRIGHT MLS
- 2026-05-09 Listing Removed — BRIGHT MLS
- 2026-04-27 Price Changed $285,000 BRIGHT MLS
- 2026-04-22 Listed $289,999 BRIGHT MLS
- 2021-02-03 Sold (MLS) $194,000 BRIGHT MLS
- 2020-12-21 Pending — BRIGHT MLS
- 2020-12-19 Listing Removed — BRIGHT MLS
- 2020-11-13 Price Changed $210,000 BRIGHT MLS
- 2020-10-16 Price Changed $225,000 BRIGHT MLS
- 2020-09-22 Listed $250,000 BRIGHT MLS
- 2016-10-13 Sold (Public Records) $185,000 Public Records
- 1983-08-08 Sold (Public Records) $25,000 Public Records
Property tax history
+0.5%/yrLatest (2025): $3,667 · +5.1% YoY. Source: county tax records.
Cash-flow waterfall
monthlySold comps — $/sqft
last 12 mo · ≤1 miLoading sold comps…