5745 Blaine Rd · Deale, MD 20733

$189,500

2 bd · 1.0 ba · 1,008 sqft · SingleFamily public records · 68 Days on market

Built 1930 3,831 sqft lot $188/sqft · 52% below area ↓ 23% since listing

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Why this score? — see what drove the B- 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 +25.0/30.0
• Appreciation +8.6/10.0
• DSCR +8.1/10.0
• ARV discount +7.5/15.0
• 1% rule +6.6/10.0
• Livability +3.5/5.0
• Schools +2.9/10.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0

Listing remarks MLS

Ready for a revamp here! Quaint rural area, opportunity awaits. Make it your own sanctuary! A possible Airbnb opportunity here? Property is strictly sold as is. Buyer/buyers agent to do their due diligence and to verify all subject information including tax amounts, sqft, utilities, lot size, schools, etc to their satisfaction. Insurability: UI which means UI (Uninsurable)- a property that requires extensive repairs after the closing and is not eligible for FHA mortgage insurance. Properties listed as "UNINSURED" means that certain repairs and or improvements are required to be eligible for an FHA 203(k) mortgage. The required repairs on most of these properties exceed $5000.00. Purchasers of these properties have the option to purchase "as-is" with cash or conventional financing. HUD CASE is 241-941973. SELLER DOES NOT ALLOW ASSIGNED CONTRACTS. Built before 1978, Lead Based Paint may be present.

Key facts

• 3,831 sq ft lot
• Built 1930
• Listed 68 days

What this means for you Summary

Snapshot

• This is a 2-bed/1.0-bath single-family listed at $190k.

Deal economics

• At list price, monthly cash flow is $410 ($5k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $190k).
• Recommended offer: $178k (6.0% below list) — sets the bar for market timing.
• Cap rate 8.9% vs local median 2.3% in Deale — 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 70/100 on livability (#166 in MD) — a middle-class / working-renter tenant base. Strengths: employment A+, housing A+, crime B+; Watch: health & safety C-, amenities F, commute F.
• Anne Arundel County Public Schools (suburban): math 20% / reading 37% proficiency, ranked #10 of 24 in MD (top 42%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover.
• Market conditions: 10 active listings in the ZIP; 2 comparable units currently listed for rent nearby; 1,303 units permitted in Anne Arundel County in 2024 (299 in 5+ unit buildings).

Forward outlook

• In year one you build about $15k of equity ($1k loan paydown + $14k appreciation (7.1% local appreciation)).
• Anne Arundel County population projected at +17% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.
• At projected returns (7.1% appreciation + 3.0% rent growth), your $53k cash investment doubles in ~3 years — after that, you're playing with house money.
• By year 3, paydown + projected appreciation supports a ~$37k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• It's been on market 68 days — a 6% lower offer ($178k) is reasonable based on typical stale-listing flexibility.
• 6 sale attempts; this cycle's ask has dropped $21k (10%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Risks & watch-outs

• Watch-outs: built in 1930 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: major flood risk; major wind risk, 79% chance of damaging wind over 30y; extreme-heat days projected 7→16/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $178,130 (6.0% below list)

Questions for the listing agent

1. It's been on market 68 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 1930 — 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 B-rated — typically a magnet for longer-tenancy family renters. What's the average tenant stay here, and is there a school-zone premium baked into asking?
6. 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: 1.16% ✓
• Cap rate: 8.89%
• Cash-on-cash: 9.28%
• DSCR: 1.41
• GRM: 7.2

CMA / ARV

• ARV (median comp): $393,621
• List price: $189,500
• Delta: -51.86%
• Verdict: UNDERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 3 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
5610 Carvel St	0.70mi	3/1.5 (+1)	1,040 (+3%)	2mo	$395,000	$380	54
5616 Carroll St	0.74mi	3/1.5 (+1)	1,004 (-0%)	11mo	$400,000	$398	48
15 Battee Cir	0.38mi	3/2.0 (+1)	1,120 (+11%)	12mo	$390,000	$348	45

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

Projected returns pro-forma

7.13% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 25.4%
• Equity multiple: 2.77×
• Total profit: $93,860
• Equity at exit: $132,927

10-year hold

• IRR: 23.3%
• Equity multiple: 5.77×
• Total profit: $253,208
• Equity at exit: $253,972

Cash invested: $53,060 (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 20733

• Home prices YoY: 1.4%
• Active inventory: 10
• Price-to-rent: 7.2×

Monthly cashflow live

• Estimated rent: $2,195 medium
• Mortgage (P&I): −$994
• Tax from tax record: −$251 /mo · $3,012/yr
• Insurance: −$79
• HOA: −$0
• Vacancy / Maint / Mgmt: −$461
• Net cashflow: $410

Break-even live

Break-even rent $1,676

Max offer price $189,500

Occupancy floor 76%

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: $47,375
• Closing costs: $5,685
• Reserves months: —
• Total cash needed: —

Rent comps 2 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
5558 Deale Churchton Rd Churchton, MD	1.0	1.0	1000	$1,800	$1.80	24d	1	0.89mi
1345 Ellicott Ave Churchton, MD	2.0	2.0	1364	$2,999	$2.20	43d	1	1.35mi

Listing history 27 events

1. 2026-06-18
   status $189,500 Pending 68 DOM
2. 2026-06-18
   days on market $189,500 Active 68 DOM
3. 2026-06-17
   days on market $189,500 Active 67 DOM
4. 2026-06-16
   days on market $189,500 Active 66 DOM
5. 2026-06-15
   days on market $189,500 Active 65 DOM
6. 2026-06-13
   days on market $189,500 Active 63 DOM
7. 2026-06-09
   days on market $189,500 Active 59 DOM
8. 2026-06-08
   days on market $189,500 Active 58 DOM
9. 2026-06-07
   days on market $189,500 Active 57 DOM
10. 2026-06-04
    days on market $189,500 Active 54 DOM
11. 2026-06-03
    days on market $189,500 Active 53 DOM
12. 2026-06-02
    days on market $189,500 Active 52 DOM
13. 2026-06-01
    days on market $189,500 Active 51 DOM
14. 2026-05-31
    days on market $189,500 Active 50 DOM
15. 2026-05-06
    price $189,500 930-char remark

    Show marketing remark (930 chars)

    Ready for a revamp here! Quaint rural area, opportunity awaits. Make it your own sanctuary! A possible Airbnb opportunity here? Property is strictly sold as is. Buyer/buyers agent to do their due diligence and to verify all subject information including tax amounts, sqft, utilities, lot size, schools, etc to their satisfaction. Insurability: UI which means UI (Uninsurable)- a property that requires extensive repairs after the closing and is not eligible for FHA mortgage insurance. Properties listed as "UNINSURED" means that certain repairs and or improvements are required to be eligible for an FHA 203(k) mortgage. The required repairs on most of these properties exceed $5000.00. Purchasers of these properties have the option to purchase "as-is" with cash or conventional financing. HUD CASE is 241-941973. SELLER DOES NOT ALLOW ASSIGNED CONTRACTS. Built before 1978, Lead Based Paint may be present.

16. 2026-05-06
    status Active 930-char remark

    Show marketing remark (930 chars)

    Ready for a revamp here! Quaint rural area, opportunity awaits. Make it your own sanctuary! A possible Airbnb opportunity here? Property is strictly sold as is. Buyer/buyers agent to do their due diligence and to verify all subject information including tax amounts, sqft, utilities, lot size, schools, etc to their satisfaction. Insurability: UI which means UI (Uninsurable)- a property that requires extensive repairs after the closing and is not eligible for FHA mortgage insurance. Properties listed as "UNINSURED" means that certain repairs and or improvements are required to be eligible for an FHA 203(k) mortgage. The required repairs on most of these properties exceed $5000.00. Purchasers of these properties have the option to purchase "as-is" with cash or conventional financing. HUD CASE is 241-941973. SELLER DOES NOT ALLOW ASSIGNED CONTRACTS. Built before 1978, Lead Based Paint may be present.

17. 2026-04-30
    status Pending 930-char remark

    Show marketing remark (930 chars)

    Ready for a revamp here! Quaint rural area, opportunity awaits. Make it your own sanctuary! A possible Airbnb opportunity here? Property is strictly sold as is. Buyer/buyers agent to do their due diligence and to verify all subject information including tax amounts, sqft, utilities, lot size, schools, etc to their satisfaction. Insurability: UI which means UI (Uninsurable)- a property that requires extensive repairs after the closing and is not eligible for FHA mortgage insurance. Properties listed as "UNINSURED" means that certain repairs and or improvements are required to be eligible for an FHA 203(k) mortgage. The required repairs on most of these properties exceed $5000.00. Purchasers of these properties have the option to purchase "as-is" with cash or conventional financing. HUD CASE is 241-941973. SELLER DOES NOT ALLOW ASSIGNED CONTRACTS. Built before 1978, Lead Based Paint may be present.

18. 2026-04-06
    listed $210,500 Active 930-char remark

    Show marketing remark (930 chars)

    Ready for a revamp here! Quaint rural area, opportunity awaits. Make it your own sanctuary! A possible Airbnb opportunity here? Property is strictly sold as is. Buyer/buyers agent to do their due diligence and to verify all subject information including tax amounts, sqft, utilities, lot size, schools, etc to their satisfaction. Insurability: UI which means UI (Uninsurable)- a property that requires extensive repairs after the closing and is not eligible for FHA mortgage insurance. Properties listed as "UNINSURED" means that certain repairs and or improvements are required to be eligible for an FHA 203(k) mortgage. The required repairs on most of these properties exceed $5000.00. Purchasers of these properties have the option to purchase "as-is" with cash or conventional financing. HUD CASE is 241-941973. SELLER DOES NOT ALLOW ASSIGNED CONTRACTS. Built before 1978, Lead Based Paint may be present.

19. 2026-03-22
    historical
20. 2026-02-21
    price $210,500
21. 2026-02-15
    status Active
22. 2026-02-13
    status Pending
23. 2026-02-06
    status Active
24. 2026-01-28
    status Pending
25. 2026-01-23
    status Active
26. 2026-01-20
    status Pending
27. 2025-12-22
    listed $246,000 Active

ⓘ 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: $3,012 · $251/mo
• Projected year-2 tax: $3,012 · $251/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 6/10 Major FEMA zone X (unshaded) · 55% chance over 30 yrs
• 🔥 Wildfire 3/10 Moderate
• 🌡 Heat 8/10 Severe 7 d/yr ≥104°F today · 16 d/yr by 30 yrs out
• 💨 Wind 7/10 Severe 79% chance of damaging wind over 30 yrs
• 🫁 Air quality 3/10 Moderate 3 unhealthy d/yr today · 3 by 30 yrs out

Taxation est. · year 1

• Rental income: $26,340
• − Mortgage interest: −$10,615
• − Property taxes: −$3,012
• − Insurance: −$948
• − Repairs & maintenance: −$2,107
• − Management: −$2,107
• − Depreciation: −$5,513
• Taxable income: $2,038
• Est. tax owed @ 24.0%: −$489
• After-tax cash flow: $4,435/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: Anne Arundel County Public Schools
• NCES district ID: 2400060
• Math proficiency: 20% ▼ -21.00%
• Reading proficiency: 37% ▼ -13.00%
• Median HH income: $87,880
• Composite: 28.52/100
• National rank: #6733
• State rank: #10 of 24 in MD

Livability — Deale

• Score: 70/100
• State rank: #166
• US rank: #7418

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Deale, MD
• City population: 5,332
• Population (ZIP): 2,780

Population outlook (Anne Arundel County) Hauer SSP2

• Today (2025): 617,384 people
• By 2030: 642,094 · +4.0%
• By 2040: 686,621 · +11.2%
• By 2050: 723,031 · +17.1%
• By 2075: 809,346 · +31.1%
• By 2100: 837,658 · +35.7%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (88%)
• Race & ethnicity: White 88% Black 6% Two or more races 5% Asian 1%
• Common ancestry: Romanian 2% Italian 2% Slovak 1%
• Foreign-born: 2% · China, Canada
• Languages at home: 99% English-only · Spanish 1%

Political lean MEDSL · Anne Arundel

• 2024 margin: D (+13.9) · D 55.7% · R 41.7% · Other 2.6%
• 2008→2024 swing: +15.7pp toward D · 2008: -1.8pp · 2024: 13.9pp
• All cycles: 2024: D+13.9 2020: D+14.5 2016: D+0.7 2012: R+0.9 2008: R+1.8

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▲ 7.13%
• Current HPI: 517.59
• 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

-23.0% since first listed

13 events — show timeline

• 2026-05-06 Price Changed $189,500 BRIGHT MLS
• 2026-05-06 Relisted — BRIGHT MLS
• 2026-04-30 Pending — BRIGHT MLS
• 2026-04-06 Listed $210,500 BRIGHT MLS
• 2026-03-22 Listing Removed — BRIGHT MLS
• 2026-02-21 Price Changed $210,500 BRIGHT MLS
• 2026-02-15 Relisted — BRIGHT MLS
• 2026-02-13 Pending — BRIGHT MLS
• 2026-02-06 Relisted — BRIGHT MLS
• 2026-01-28 Pending — BRIGHT MLS
• 2026-01-23 Relisted — BRIGHT MLS
• 2026-01-20 Pending — BRIGHT MLS
• 2025-12-22 Listed $246,000 BRIGHT MLS

Property tax history

+7.1%/yr

Latest (2025): $3,012 · +2.8% YoY. Source: county tax records.