220 Soft Rush Ln · La Plata, MD 20646

$409,990

4 bd · 3.5 ba · 1,889 sqft · Townhouse · 39 Days on market

Built 2026 Good condition 1,840 sqft lot $217/sqft · at area comps Est $412k · at est. $142/mo HOA · 4% of rent ↓ 2% since listing

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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 +13.3/30.0
• ARV discount +7.7/15.0
• Condition / age +4.2/5.0
• DSCR +4.0/10.0
• Livability +3.7/5.0
• 1% rule +2.9/10.0
• Rent growth +2.5/5.0
• Schools +2.3/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

Welcome to the Adams townhome, a beautifully designed new construction home in La Plata, MD offering 1,889 sq. ft. , 4 bedrooms, 3.5 bathrooms, and a 1-car garage. This modern open-concept townhome combines comfort, style, and functionality. Step inside to discover a bright and inviting main level featuring 9-ft ceilings, luxury plank flooring, and a spacious kitchen with a large island, quartz countertops, and sleek stainless steel appliances. The open layout makes everyday living and entertaining effortless. The flexible lower-level bonus space can easily be used as a 4th bedroom, rec room, guest suite, or home office, giving you the versatility to design the space around your lifestyle. Upstairs, retreat to comfortable bedrooms designed for relaxation and privacy. Located in Pinegrove, one of La Plata’s most desirable amenity-rich communities, residents enjoy walking trails, dog parks, a clubhouse, and a community pool, creating the perfect balance of recreation and neighborhood charm. Just minutes from shopping, dining, and commuter routes to Washington, DC, Pinegrove offers the ideal blend of convenience and suburban tranquility. D. R. Horton is offering below-market interest rates and substantial closing cost assistance, making this new townhome an incredible value. Move in this Summer with a projected June delivery! Schedule your tour of Pinegrove today and discover why so many buyers are choosing to call this vibrant community home. Your new beginning starts here!

Key facts

• Quartz countertops
• Spacious kitchen
• Large island

Tags

• NEW CONSTRUCTION HOME
• OPEN CONCEPT TOWNHOME
• SPACIOUS KITCHEN
• LARGE ISLAND
• QUARTZ COUNTERTOPS
• STAINLESS STEEL APPLIANCES

What this means for you Summary

Snapshot

• This is a 4-bed/3.5-bath townhouse listed at $410k. Condition is rated good.

Deal economics

• At list price, monthly cash flow is $2 ($25/yr) — positive.
• The deal already cash-flows at list — no discount required.
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $325k (20.7% below list).
• Recommended offer: $325k (20.7% below list) — sets the bar for 1% rule.
• Cap rate 6.3% vs local median 3.6% in La Plata — 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 73/100 on livability (#132 in MD) — a middle-class / working-renter tenant base. Strengths: employment A+, housing A+, commute B; Watch: health & safety C-, amenities F, cost of living F.
• Charles County Public Schools (suburban): math 13% / reading 29% proficiency, ranked #14 of 24 in MD (top 58%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover.
• Zoned schools: Mary H. Matula Elementary School (math 14% / reading 23%, grade F, #393 of 860 statewide, top 46%, 551 students, 36% FRL); Milton M. Somers Middle School (math 15% / reading 36%, grade F, #97 of 225 statewide, top 46%, 666 students, 39% FRL); La Plata High School (math 51% / reading 74%, grade B-, #62 of 222 statewide, top 29%, 1,222 students, 25% FRL).
• Zoned-school proficiency averages 36% at this address vs 21% district-wide (+14 pts) — the actual schools serving this property are materially stronger than the Charles County Public Schools average implies; a family-tenant draw the district grade alone would hide.
• Market conditions: 221 active listings in the ZIP; 6 comparable units currently listed for rent nearby; rentals lingering (median 46d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 50% of comp listings sitting > 30 days — soft ceiling on asking rent; 1,542 units permitted in Charles County in 2024 (516 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $3k of loan paydown is wiped out by about $12k of value loss. Plan a longer hold.
• Charles County population projected at +27% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.

Negotiation context

• It's been on market 39 days — a 3% lower offer ($398k) is reasonable based on typical stale-listing flexibility.
• 2 sale attempts 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.

Recommended offer $325,019 (20.7% below list)

Questions for the listing agent

1. It's been on market 39 days. Have you received any prior offers? Is the seller open to a 21% concession, seller financing, or rate buy-down credit?
2. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. 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?
5. 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.
6. 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.
7. 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: 0.79% ✗
• Cap rate: 6.30%
• Cash-on-cash: 0.02%
• DSCR: 1.00
• GRM: 10.5

CMA / ARV

• ARV (median comp): $411,845
• List price: $409,990
• Delta: -0.45%
• 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
228 Soft Rush Ln	0.03mi	4/3.5	1,889 (0%)	2mo	$399,990	$212	97
230 Soft Rush Ln	0.03mi	4/3.5	1,889 (0%)	2mo	$399,990	$212	97
426 Whirl Ln	0.05mi	4/3.5	1,889 (0%)	3mo	$396,115	$210	95
242 Soft Rush Ln	0.05mi	4/3.5	1,889 (0%)	3mo	$389,990	$206	95
436 Whirl Ln	0.06mi	4/3.5	1,889 (0%)	3mo	$399,990	$212	95
446 Whirl Ln	0.07mi	4/3.5	1,889 (0%)	3mo	$409,990	$217	95
444 Whirl Ln	0.07mi	4/3.5	1,889 (0%)	3mo	$399,990	$212	95
226 Soft Rush Ln	0.03mi	3/3.5 (-1)	2,020 (+7%)	1mo	$445,990	$221	82
442 Whirl Ln	0.07mi	3/3.5 (-1)	2,020 (+7%)	0mo	$424,990	$210	80
438 Whirl Ln	0.06mi	3/3.5 (-1)	2,020 (+7%)	2mo	$429,990	$213	79
424 Whirl Ln	0.05mi	3/3.5 (-1)	2,020 (+7%)	3mo	$439,990	$218	78
430 Whirl Ln	0.06mi	3/3.5 (-1)	2,020 (+7%)	3mo	$434,990	$215	78

Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.

Projected returns pro-forma

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

5-year hold

• IRR: -16.3%
• Equity multiple: 0.42×
• Total profit: $-66,421
• Equity at exit: $61,131

10-year hold

• IRR: -8.1%
• Equity multiple: 0.49×
• Total profit: $-58,139
• Equity at exit: $35,448

Cash invested: $114,797 (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 20646

• Active inventory: 221
• Price-to-rent: 10.5×

Monthly cashflow live

• Estimated rent: $3,250 high
• Mortgage (P&I): −$2,150
• Tax from tax record: −$103 /mo · $1,233/yr
• Insurance: −$171
• HOA: −$142
• Vacancy / Maint / Mgmt: −$683
• Net cashflow: $2

Break-even live

Break-even rent $3,248

Max offer price $409,990

Occupancy floor 95%

Sensitivity live

Price	-10% $234	-5% $118	+0% $2	+5% $-114	+10% $-230
Rent	-10% $-255	-5% $-126	+0% $2	+5% $130	+10% $259
Rate	-1.0pp $209	-0.5pp $106	base $2	+0.5pp $-104	+1.0pp $-212

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: $102,498
• Closing costs: $12,300
• Reserves months: —
• Total cash needed: —

Rent comps 6 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
436 Whirl Ln La Plata, MD	4.0	3.5	1889	$3,100	$1.64	0d	1	0.06mi
436 Whirl Ln La Plata, MD	4.0	3.5	1889	$3,300	$1.75	26d	1	0.06mi
280 Soft Rush Ln La Plata, MD	3.0	3.5	2061	$3,400	$1.65	20d	1	0.14mi
109 Shallow Brook Way La Plata, MD	4.0	2.5	2340	$3,700	$1.58	45d	1	1.18mi
1056 Rye Dr La Plata, MD	4.0	3.5	2336	$3,000	$1.28	45d	1	1.40mi
14 Chesapeake St La Plata, MD	3.0	2.5	1732	$3,000	$1.73	45d	1	1.46mi

HOA detail

• Monthly dues: $142 · $1,704/yr
• Likely covers: pool

Listing history 5 events

1. 2026-05-13
   status Pending 1502-char remark

   Show marketing remark (1502 chars)

   Welcome to the Adams townhome, a beautifully designed new construction home in La Plata, MD offering 1,889 sq. ft. , 4 bedrooms, 3.5 bathrooms, and a 1-car garage. This modern open-concept townhome combines comfort, style, and functionality. Step inside to discover a bright and inviting main level featuring 9-ft ceilings, luxury plank flooring, and a spacious kitchen with a large island, quartz countertops, and sleek stainless steel appliances. The open layout makes everyday living and entertaining effortless. The flexible lower-level bonus space can easily be used as a 4th bedroom, rec room, guest suite, or home office, giving you the versatility to design the space around your lifestyle. Upstairs, retreat to comfortable bedrooms designed for relaxation and privacy. Located in Pinegrove, one of La Plata’s most desirable amenity-rich communities, residents enjoy walking trails, dog parks, a clubhouse, and a community pool, creating the perfect balance of recreation and neighborhood charm. Just minutes from shopping, dining, and commuter routes to Washington, DC, Pinegrove offers the ideal blend of convenience and suburban tranquility. D. R. Horton is offering below-market interest rates and substantial closing cost assistance, making this new townhome an incredible value. Move in this Summer with a projected June delivery! Schedule your tour of Pinegrove today and discover why so many buyers are choosing to call this vibrant community home. Your new beginning starts here!

2. 2026-05-05
   price $409,990 1502-char remark

   Show marketing remark (1502 chars)

   Welcome to the Adams townhome, a beautifully designed new construction home in La Plata, MD offering 1,889 sq. ft. , 4 bedrooms, 3.5 bathrooms, and a 1-car garage. This modern open-concept townhome combines comfort, style, and functionality. Step inside to discover a bright and inviting main level featuring 9-ft ceilings, luxury plank flooring, and a spacious kitchen with a large island, quartz countertops, and sleek stainless steel appliances. The open layout makes everyday living and entertaining effortless. The flexible lower-level bonus space can easily be used as a 4th bedroom, rec room, guest suite, or home office, giving you the versatility to design the space around your lifestyle. Upstairs, retreat to comfortable bedrooms designed for relaxation and privacy. Located in Pinegrove, one of La Plata’s most desirable amenity-rich communities, residents enjoy walking trails, dog parks, a clubhouse, and a community pool, creating the perfect balance of recreation and neighborhood charm. Just minutes from shopping, dining, and commuter routes to Washington, DC, Pinegrove offers the ideal blend of convenience and suburban tranquility. D. R. Horton is offering below-market interest rates and substantial closing cost assistance, making this new townhome an incredible value. Move in this Summer with a projected June delivery! Schedule your tour of Pinegrove today and discover why so many buyers are choosing to call this vibrant community home. Your new beginning starts here!

3. 2026-04-16
   status Active 1502-char remark

   Show marketing remark (1502 chars)

   Welcome to the Adams townhome, a beautifully designed new construction home in La Plata, MD offering 1,889 sq. ft. , 4 bedrooms, 3.5 bathrooms, and a 1-car garage. This modern open-concept townhome combines comfort, style, and functionality. Step inside to discover a bright and inviting main level featuring 9-ft ceilings, luxury plank flooring, and a spacious kitchen with a large island, quartz countertops, and sleek stainless steel appliances. The open layout makes everyday living and entertaining effortless. The flexible lower-level bonus space can easily be used as a 4th bedroom, rec room, guest suite, or home office, giving you the versatility to design the space around your lifestyle. Upstairs, retreat to comfortable bedrooms designed for relaxation and privacy. Located in Pinegrove, one of La Plata’s most desirable amenity-rich communities, residents enjoy walking trails, dog parks, a clubhouse, and a community pool, creating the perfect balance of recreation and neighborhood charm. Just minutes from shopping, dining, and commuter routes to Washington, DC, Pinegrove offers the ideal blend of convenience and suburban tranquility. D. R. Horton is offering below-market interest rates and substantial closing cost assistance, making this new townhome an incredible value. Move in this Summer with a projected June delivery! Schedule your tour of Pinegrove today and discover why so many buyers are choosing to call this vibrant community home. Your new beginning starts here!

4. 2026-03-21
   historical 1502-char remark

   Show marketing remark (1502 chars)

   Welcome to the Adams townhome, a beautifully designed new construction home in La Plata, MD offering 1,889 sq. ft. , 4 bedrooms, 3.5 bathrooms, and a 1-car garage. This modern open-concept townhome combines comfort, style, and functionality. Step inside to discover a bright and inviting main level featuring 9-ft ceilings, luxury plank flooring, and a spacious kitchen with a large island, quartz countertops, and sleek stainless steel appliances. The open layout makes everyday living and entertaining effortless. The flexible lower-level bonus space can easily be used as a 4th bedroom, rec room, guest suite, or home office, giving you the versatility to design the space around your lifestyle. Upstairs, retreat to comfortable bedrooms designed for relaxation and privacy. Located in Pinegrove, one of La Plata’s most desirable amenity-rich communities, residents enjoy walking trails, dog parks, a clubhouse, and a community pool, creating the perfect balance of recreation and neighborhood charm. Just minutes from shopping, dining, and commuter routes to Washington, DC, Pinegrove offers the ideal blend of convenience and suburban tranquility. D. R. Horton is offering below-market interest rates and substantial closing cost assistance, making this new townhome an incredible value. Move in this Summer with a projected June delivery! Schedule your tour of Pinegrove today and discover why so many buyers are choosing to call this vibrant community home. Your new beginning starts here!

5. 2026-03-10
   listed $417,390 Active 1502-char remark

   Show marketing remark (1502 chars)

   Welcome to the Adams townhome, a beautifully designed new construction home in La Plata, MD offering 1,889 sq. ft. , 4 bedrooms, 3.5 bathrooms, and a 1-car garage. This modern open-concept townhome combines comfort, style, and functionality. Step inside to discover a bright and inviting main level featuring 9-ft ceilings, luxury plank flooring, and a spacious kitchen with a large island, quartz countertops, and sleek stainless steel appliances. The open layout makes everyday living and entertaining effortless. The flexible lower-level bonus space can easily be used as a 4th bedroom, rec room, guest suite, or home office, giving you the versatility to design the space around your lifestyle. Upstairs, retreat to comfortable bedrooms designed for relaxation and privacy. Located in Pinegrove, one of La Plata’s most desirable amenity-rich communities, residents enjoy walking trails, dog parks, a clubhouse, and a community pool, creating the perfect balance of recreation and neighborhood charm. Just minutes from shopping, dining, and commuter routes to Washington, DC, Pinegrove offers the ideal blend of convenience and suburban tranquility. D. R. Horton is offering below-market interest rates and substantial closing cost assistance, making this new townhome an incredible value. Move in this Summer with a projected June delivery! Schedule your tour of Pinegrove today and discover why so many buyers are choosing to call this vibrant community home. Your new beginning starts here!

ⓘ 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: $1,233 · $103/mo
• Projected year-2 tax: $2,851 · $238/mo
• Expected delta: +$1,618/yr (+$135/mo · 131.2%)

ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.

Taxation est. · year 1

• Rental income: $39,002
• − Mortgage interest: −$22,966
• − Property taxes: −$1,233
• − Insurance: −$2,050
• − Repairs & maintenance: −$3,120
• − Management: −$3,120
• − HOA: −$1,704
• − Depreciation: −$11,927
• Taxable loss: −$7,118
• Est. tax savings @ 24.0%: +$1,708
• After-tax cash flow: $1,733/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.

Condition & rehab AI · 12 photos

Good 85/100 None rehab

This new construction townhome in La Plata, MD is move-in ready with modern finishes and a great layout.

Value-add opportunities

• Both landscaping — enhances curb appeal and adds value
• Both interior paint — fresh paint can make a home more appealing
• Resale kitchen appliances — modern appliances can attract more buyers

Renovation cost estimate screening

Value-add ROI direction

• Both landscaping — enhances curb appeal and adds value ↑
• Both interior paint — fresh paint can make a home more appealing ↑
• Resale kitchen appliances — modern appliances can attract more buyers ↑

ⓘ Cost ranges are severity-bucket heuristics (US national rule-of-thumb). Get contractor quotes + a written scope before underwriting a rehab budget.

Schools (NCES district)

• District: Charles County Public Schools
• NCES district ID: 2400270
• Math proficiency: 13% ▼ -19.00%
• Reading proficiency: 29% ▼ -13.00%
• Median HH income: $90,389
• Composite: 22.54/100
• National rank: #8087
• State rank: #14 of 24 in MD

Livability — La Plata

• Score: 73/100
• State rank: #132
• US rank: #5547

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: La Plata, MD
• Population (ZIP): 21,601

Population outlook (Charles County) Hauer SSP2

• Today (2025): 176,616 people
• By 2030: 186,471 · +5.6%
• By 2040: 206,472 · +16.9%
• By 2050: 224,883 · +27.3%
• By 2075: 272,101 · +54.1%
• By 2100: 303,564 · +71.9%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Diverse neighborhood (Simpson 0.56)
• Race & ethnicity: White 62% Black 24% Two or more races 8% Hispanic / Latino 4% Asian 3%
• Common ancestry: Italian 3% Romanian 2% Iranian 2%
• Foreign-born: 7% · Canada, China
• Languages at home: 93% English-only · Spanish 2% Other Indo-European 2% Tagalog/Filipino 1%

Political lean MEDSL · Charles

• 2024 margin: Solid D (+40.7) · D 69.2% · R 28.5% · Other 2.2%
• 2008→2024 swing: +15.2pp toward D · 2008: 25.5pp · 2024: 40.7pp
• All cycles: 2024: D+40.7 2020: D+40.9 2016: D+30.2 2012: D+31.3 2008: D+25.5

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -150.48%
• Current HPI: 238.0634
• Rent YoY: —
• Metro: —
• State GDP YoY: ▲ 2.97%
• F500 in state: 12

Industry mix (Fortune 500 HQ in MD)

Industry	F500 HQs	Revenue
▸Aerospace / Defense	1	$71B
▸Utilities	1	$25B
▸Hotels	1	$24B
▸Consumer Goods	1	$7B
▸Real Estate	1	$6B
▸Chemicals	1	$2B

Price history

-1.8% since first listed

5 events — show timeline

• 2026-05-13 Pending — BRIGHT MLS
• 2026-05-05 Price Changed $409,990 BRIGHT MLS
• 2026-04-16 Relisted — BRIGHT MLS
• 2026-03-21 Listing Removed — BRIGHT MLS
• 2026-03-10 Listed $417,390 BRIGHT MLS