102 Lyndale Ave · Overlea, MD 21236

$253,000

3 bd · 1.5 ba · 1,360 sqft · Townhouse public records · 87 Days on market

Built 1952 4,200 sqft lot $186/sqft · at area comps Est $255k · at est.

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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 +20.3/30.0
• ARV discount +7.8/15.0
• DSCR +6.4/10.0
• 1% rule +5.0/10.0
• Livability +4.0/5.0
• Rent growth +3.8/5.0
• Condition / age +2.5/5.0
• Schools +2.3/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

Welcome to this beautifully maintained home in Nottingham/Overlea, featuring a bright, inviting layout from the moment you enter! Gorgeous hardwood floors and abundant natural light create a warm, welcoming feel throughout the main living spaces. A charming entryway leads to the spacious dining area that opens to the kitchen, with a pass-through breakfast bar perfect for everyday living and entertaining. Just off the kitchen is an enclosed porch providing flexible space and easy outdoor access. Upstairs are generously sized bedrooms and a full bath. Downstairs is a fully finished basement with a custom bar and a half bath. Enjoy your fully fenced, oversized backyard wth storage shed—excellent sought-after neighborhood location with easy access to major roads! This beautiful home is ready for its new owner! Great Value!

Key facts

• Natural light
• Custom bar
• Storage shed

Tags

• HARDWOOD FLOORS
• NATURAL LIGHT
• ENCLOSED PORCH
• CUSTOM BAR
• FULLY FENCED BACKYARD
• STORAGE SHED

What this means for you Summary

Snapshot

• This is a 3-bed/1.5-bath townhouse listed at $253k.

Deal economics

• At list price, monthly cash flow is $323 ($4k/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 $252k (0.3% below list).
• Recommended offer: $238k (6.0% below list) — sets the bar for market timing.
• Cap rate 7.8% vs local median 5.4% in Overlea — 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 81/100 on livability (#38 in MD, #1,418 nationally) — a professional / high-income tenant draw. Strengths: amenities A+, commute A+, housing A+; Watch: crime F.
• Baltimore County Public Schools (suburban): math 15% / reading 34% proficiency, ranked #11 of 24 in MD (top 46%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover.
• Market conditions: Rents rising fast (+5.3%/yr); 132 active listings in the ZIP; 11 comparable units currently listed for rent nearby; rentals leasing fast (median 5d on market — plan ~1-2 weeks tenant-placement turnaround); solid renter incomes; 1,511 units permitted in Baltimore County in 2024 (643 in 5+ unit buildings).
• This rent runs 32% of the median local income ($95k/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 $8k of value loss. Plan a longer hold.
• Baltimore County population projected at +12% by 2050 — modest demand growth; plan on rents tracking national, not racing it.

Negotiation context

• It's been on market 87 days — a 6% lower offer ($238k) is reasonable based on typical stale-listing flexibility.
• 3 sale attempts since 20y ago; this cycle's ask has dropped $14k (5%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Risks & watch-outs

• Watch-outs: built in 1952 — 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 $237,820 (6.0% below list)

Questions for the listing agent

1. It's been on market 87 days. Have you received any prior offers? Is the seller open to a 6% concession, seller financing, or rate buy-down credit?
2. Built in 1952 — 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. 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?
6. 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.
7. 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.
8. 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: 1.00% ✗
• Cap rate: 7.82%
• Cash-on-cash: 5.47%
• DSCR: 1.24
• GRM: 8.4

CMA / ARV

• ARV (median comp): $254,683
• List price: $253,000
• Delta: -0.66%
• Verdict: FAIR
• Comps: 20 within 1.0 mi

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
19 Lyndale Ave	0.12mi	3/1.5	1,360 (0%)	3mo	$209,250	$154	92
5127 Terrace Dr	0.10mi	3/1.5	1,360 (0%)	5mo	$275,000	$202	91
121 Lyndale Ave	0.07mi	3/2.0	1,360 (0%)	10mo	$250,000	$184	87
42 Lyndale Ave	0.05mi	3/1.5	1,360 (0%)	15mo	$245,000	$180	85
123 Lyndale Ave	0.07mi	3/2.0	1,360 (0%)	17mo	$245,000	$180	80
317 Elinor	0.29mi	3/1.5	1,360 (0%)	19mo	$240,000	$176	71
131 Sipple Ave	0.10mi	3/1.5	1,160 (-15%)	13mo	$255,000	$220	60
7123 Willowdale Ave	0.37mi	2/1.5 (-1)	1,200 (-12%)	8mo	$245,000	$204	51
7148 Greenwood Ave	0.35mi	2/1.5 (-1)	1,440 (+6%)	22mo	$235,000	$163	50
307 3rd St	0.47mi	3/1.5	1,160 (-15%)	14mo	$250,000	$216	42
7129 Greenwood Ave	0.40mi	2/1.5 (-1)	1,160 (-15%)	12mo	$223,000	$192	42
7138 Greenwood Ave	0.38mi	2/1.5 (-1)	1,160 (-15%)	20mo	$190,000	$164	36

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 · 5.34% rent growth · sell at horizon

5-year hold

• IRR: -5.3%
• Equity multiple: 0.80×
• Total profit: $-14,382
• Equity at exit: $37,723

10-year hold

• IRR: 6.8%
• Equity multiple: 1.57×
• Total profit: $40,047
• Equity at exit: $21,875

Cash invested: $70,840 (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 21236

• Rents YoY: 5.3%
• Active inventory: 132
• Price-to-rent: 8.4×

Monthly cashflow live

• Estimated rent: $2,521 high
• Mortgage (P&I): −$1,327
• Tax from tax record: −$237 /mo · $2,844/yr
• Insurance: −$105
• HOA: −$0
• Vacancy / Maint / Mgmt: −$529
• Net cashflow: $323

Break-even live

Break-even rent $2,113

Max offer price $253,000

Occupancy floor 82%

Sensitivity live

Price	-10% $466	-5% $394	+0% $323	+5% $251	+10% $179
Rent	-10% $123	-5% $223	+0% $323	+5% $422	+10% $522
Rate	-1.0pp $450	-0.5pp $387	base $323	+0.5pp $257	+1.0pp $190

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: $63,250
• Closing costs: $7,590
• Reserves months: —
• Total cash needed: —

Rent comps 11 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
101 Elinor Ave Nottingham, MD	4.0	2.0	1476	$2,900	$1.96	44d	1	0.12mi
100 Elinor Ave Nottingham, MD	4.0	2.5	1800	$2,800	$1.56	24d	1	0.14mi
5110 Kenwood Ave Baltimore, MD	3.0	1.5	1406	$2,500	$1.78	44d	1	0.19mi
5 Belhaven Dr Nottingham, MD	4.0	1.5	1554	$2,000	$1.29	44d	1	0.62mi
35-C Mopec Cir Nottingham, MD	2.0	1.0	1100	$1,445	$1.31	2d	10	0.96mi
5938 Clayton Ave Baltimore, MD	4.0	2.0	1296	$2,872	$2.22	16d	1	1.05mi
3807 Fleetwood Ave Unit 1 Baltimore, MD	2.0	1.0	969	$1,490	$1.54	5d	1	1.20mi
3807 Fleetwood Ave Unit 2 Baltimore, MD	3.0	1.0	937	$1,550	$1.65	5d	1	1.20mi
7935 Belridge Rd Nottingham, MD	1.0–3.0	1.0–1.5	974	$2,172	$2.23	2d	17	1.32mi
8501 Franklin Square Dr Baltimore, MD	1.0–3.0	1.0–2.0	950	$2,780	$2.93	2d	19	1.36mi
32 Tameron Pl Rosedale, MD	3.0	2.5	1720	$2,300	$1.34	2d	1	1.48mi

Listing history 22 events

1. 2026-06-15
   status $253,000 Pending 87 DOM
2. 2026-06-15
   days on market $253,000 Active 87 DOM
3. 2026-06-13
   days on market $253,000 Active 85 DOM
4. 2026-06-09
   days on market $253,000 Active 81 DOM
5. 2026-06-08
   days on market $253,000 Active 80 DOM
6. 2026-06-07
   pricedays on market $253,000 Active 79 DOM
7. 2026-06-04
   days on market $262,000 Active 76 DOM
8. 2026-06-03
   days on market $262,000 Active 75 DOM
9. 2026-06-02
   days on market $262,000 Active 74 DOM
10. 2026-06-01
    days on market $262,000 Active 73 DOM
11. 2026-05-31
    days on market $262,000 Active 72 DOM
12. 2026-04-19
    price $262,000 836-char remark

    Show marketing remark (836 chars)

    Welcome to this beautifully maintained home in Nottingham/Overlea, featuring a bright, inviting layout from the moment you enter! Gorgeous hardwood floors and abundant natural light create a warm, welcoming feel throughout the main living spaces. A charming entryway leads to the spacious dining area that opens to the kitchen, with a pass-through breakfast bar perfect for everyday living and entertaining. Just off the kitchen is an enclosed porch providing flexible space and easy outdoor access. Upstairs are generously sized bedrooms and a full bath. Downstairs is a fully finished basement with a custom bar and a half bath. Enjoy your fully fenced, oversized backyard wth storage shed—excellent sought-after neighborhood location with easy access to major roads! This beautiful home is ready for its new owner! Great Value!

13. 2026-03-20
    listed $267,000 Active 836-char remark

    Show marketing remark (836 chars)

    Welcome to this beautifully maintained home in Nottingham/Overlea, featuring a bright, inviting layout from the moment you enter! Gorgeous hardwood floors and abundant natural light create a warm, welcoming feel throughout the main living spaces. A charming entryway leads to the spacious dining area that opens to the kitchen, with a pass-through breakfast bar perfect for everyday living and entertaining. Just off the kitchen is an enclosed porch providing flexible space and easy outdoor access. Upstairs are generously sized bedrooms and a full bath. Downstairs is a fully finished basement with a custom bar and a half bath. Enjoy your fully fenced, oversized backyard wth storage shed—excellent sought-after neighborhood location with easy access to major roads! This beautiful home is ready for its new owner! Great Value!

14. 2024-04-25
    soldstatus $260,000
15. 2024-04-15
    soldstatus $260,000 Closed 768-char remark

    Show marketing remark (768 chars)

    Welcome Home to this beautifully maintained home in Nottingham/Overlea. Stunning hardwood floors greet you as you enter the warm, light filled living area. Charming doorway details then welcome you into the spacious dining area with open pass through into the classically appointed kitchen. An enclosed mudroom/porch off of the kitchen is perfect for additional kitchen or outdoor storage. The fully finished basement includes a custom made bar, a cozy living space and half bathroom. The same beautiful hardwood floors lead you to the second floor with 3 spacious bedrooms with updated light/fan fixtures and a full, classic designed bathroom. Looking for an outdoor area to entertain? Check out the manicured, fenced in backyard. Come see this beautiful home today!

16. 2024-03-18
    historical Active Under Contract 768-char remark

    Show marketing remark (768 chars)

    Welcome Home to this beautifully maintained home in Nottingham/Overlea. Stunning hardwood floors greet you as you enter the warm, light filled living area. Charming doorway details then welcome you into the spacious dining area with open pass through into the classically appointed kitchen. An enclosed mudroom/porch off of the kitchen is perfect for additional kitchen or outdoor storage. The fully finished basement includes a custom made bar, a cozy living space and half bathroom. The same beautiful hardwood floors lead you to the second floor with 3 spacious bedrooms with updated light/fan fixtures and a full, classic designed bathroom. Looking for an outdoor area to entertain? Check out the manicured, fenced in backyard. Come see this beautiful home today!

17. 2024-03-15
    listed $239,900 Active 768-char remark

    Show marketing remark (768 chars)

    Welcome Home to this beautifully maintained home in Nottingham/Overlea. Stunning hardwood floors greet you as you enter the warm, light filled living area. Charming doorway details then welcome you into the spacious dining area with open pass through into the classically appointed kitchen. An enclosed mudroom/porch off of the kitchen is perfect for additional kitchen or outdoor storage. The fully finished basement includes a custom made bar, a cozy living space and half bathroom. The same beautiful hardwood floors lead you to the second floor with 3 spacious bedrooms with updated light/fan fixtures and a full, classic designed bathroom. Looking for an outdoor area to entertain? Check out the manicured, fenced in backyard. Come see this beautiful home today!

18. 2024-03-14
    historical $239,900 768-char remark

    Show marketing remark (768 chars)

    Welcome Home to this beautifully maintained home in Nottingham/Overlea. Stunning hardwood floors greet you as you enter the warm, light filled living area. Charming doorway details then welcome you into the spacious dining area with open pass through into the classically appointed kitchen. An enclosed mudroom/porch off of the kitchen is perfect for additional kitchen or outdoor storage. The fully finished basement includes a custom made bar, a cozy living space and half bathroom. The same beautiful hardwood floors lead you to the second floor with 3 spacious bedrooms with updated light/fan fixtures and a full, classic designed bathroom. Looking for an outdoor area to entertain? Check out the manicured, fenced in backyard. Come see this beautiful home today!

19. 2006-12-14
    soldstatus $185,000
20. 2006-12-06
    soldstatus $185,000
21. 2006-11-07
    historical
22. 2006-10-05
    listed $185,000

ⓘ 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: $2,844 · $237/mo
• Projected year-2 tax: $2,844 · $237/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 ≥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 5 unhealthy d/yr today · 7 by 30 yrs out

Taxation est. · year 1

• Rental income: $30,255
• − Mortgage interest: −$14,172
• − Property taxes: −$2,844
• − Insurance: −$1,265
• − Repairs & maintenance: −$2,420
• − Management: −$2,420
• − Depreciation: −$7,360
• Taxable loss: −$226
• Est. tax savings @ 24.0%: +$54
• After-tax cash flow: $3,926/yr

For passive investors: Depreciation is non-cash, so a rental often shows a tax loss while cash-flowing — sheltering income. Rental losses are passive: they offset passive income freely, and up to $25,000/yr can offset ordinary (W-2) income if you actively participate and your MAGI is under $100k (phasing out to $0 by $150k); unused losses carry forward. On sale, claimed depreciation is recaptured at up to 25%, and gains may owe capital-gains tax (a 1031 exchange can defer both). Figures are a year-1 estimate at your 24.0% rate — not tax advice; consult a CPA.

Schools (NCES district)

• District: Baltimore County Public Schools
• NCES district ID: 2400120
• Math proficiency: 15% ▼ -16.00%
• Reading proficiency: 34% ▼ -5.00%
• Median HH income: $66,746
• Composite: 23.17/100
• National rank: #7948
• State rank: #11 of 24 in MD

Livability — Overlea

• Score: 81/100
• State rank: #38
• US rank: #1418

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Overlea, MD
• County: Baltimore County · 769,527 people
• Metro: Baltimore-Columbia-Towson, MD
• Population (ZIP): 39,514
• Household income: $95,149
• Rent vs Own: 30.4% rent · 69.6% own
• Severe rent burden: 1476.0

Population outlook (Baltimore County) Hauer SSP2

• Today (2025): 885,518 people
• By 2030: 909,272 · +2.7%
• By 2040: 951,547 · +7.5%
• By 2050: 990,955 · +11.9%
• By 2075: 1,086,411 · +22.7%
• By 2100: 1,135,078 · +28.2%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Diverse neighborhood (Simpson 0.63)
• Race & ethnicity: White 56% Black 19% Asian 16% Hispanic / Latino 6% Two or more races 5%
• Hispanic origin (detail): Mexican 1% Puerto Rican 1%
• Common ancestry: Romanian 5% Lithuanian 2% Italian 1%
• Foreign-born: 17% · Canada, South Korea, Vietnam
• Languages at home: 79% English-only · Other Indo-European 8% Spanish 3% Tagalog/Filipino 2%

Political lean MEDSL · Baltimore

• 2024 margin: Strong D (+24.5) · D 61.0% · R 36.5% · Other 2.5%
• 2008→2024 swing: +9.9pp toward D · 2008: 14.6pp · 2024: 24.5pp
• All cycles: 2024: D+24.5 2020: D+27.0 2016: D+17.4 2012: D+16.4 2008: D+14.6

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -268.43%
• Current HPI: 244.9907
• Rent YoY: ▲ 5.34%
• 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

+41.6% since first listed

11 events — show timeline

• 2026-04-19 Price Changed $262,000 BRIGHT MLS
• 2026-03-20 Listed $267,000 BRIGHT MLS
• 2024-04-25 Sold (Public Records) $260,000 Public Records
• 2024-04-15 Sold (MLS) $260,000 BRIGHT MLS
• 2024-03-18 Contingent — BRIGHT MLS
• 2024-03-15 Listed $239,900 BRIGHT MLS
• 2024-03-14 Coming Soon $239,900 BRIGHT MLS
• 2006-12-14 Sold (Public Records) $185,000 Public Records
• 2006-12-06 Sold (MLS) $185,000 MRIS
• 2006-11-07 Delisted — MRIS
• 2006-10-05 Listed $185,000 MRIS

Property tax history

+2.0%/yr

Latest (2025): $2,844 · -7.2% YoY. Source: county tax records.