2810 12th St · Edgemere, MD 21219

$369,000

4 bd · 1.0 ba · 1,773 sqft · SingleFamily public records · 163 Days on market

Built 1929 7,665 sqft lot $208/sqft · 17% below area Est $444k · 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 +18.3/30.0
• ARV discount +15.0/15.0
• DSCR +5.7/10.0
• 1% rule +4.5/10.0
• Livability +3.1/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Schools +2.3/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

(SELLERS ARE ACCEPPTING BACK UPS) Wonderful opportunity to own this value-priced 4 bedroom, 2 bath detached all-brick Cape Cod with amazing water views known as 2810 12th St in the water-oriented community of Millers Island. The home features a warm and cozy enclosed front porch with free standing Pellet Stove, ideal for relaxing year-round. Don’t let the exterior fool you this home is much larger than it looks. Step inside to a spacious main level that includes an inviting enclosed porch, an open-concept living room and dining room combination, two main-level bedrooms, a full hallway bath with soaking tub shower combination, a convenient main-level laundry area, and a two-story vaulted open-air kitchen with ample cabinetry, generous Corian counter space, and a center island. The kitchen opens to a 16' x 32' deck showcasing magnificent sunset views across the river toward Rocky Point Golf Course and perfect for entertaining or unwinding at the end of the day. A special bonus if needed is an electric lift for wheelchair access or just heavy items needing a lift to the rear deck and patio door. The upper level offers two additional bedrooms, each with deep double closets and private access to a full bathroom featuring both a tub and shower options. The lower level includes an unfinished basement equipped with drain tile and sump pump systems—ideal for storage, workshop use with both interior and exterior access. The upper pitched roof was replaced within the last 4-6 years and the flat roof has been resurfaced with torched down rubber roofing material. This incredible location provides the true Millers Island lifestyle, just a short walk to the water. Enjoy the enhanced community amenities including a playground, sport court, and sand-covered road endings perfect for swimming, paddleboarding, kayaking, and fishing. You’ll also appreciate easy access to local businesses, shops, waterfront dining, and marinas. Commuting is convenient with close proximity to Tradepoint Atlantic, 695, I-95 and other major highways, offering an easy drive to Canton, Hopkins Bayview, downtown Baltimore, Parkville, Perry Hall, Towson, and more. Nearby waterfront parks offer hiking, biking, fishing, beach areas, and abundant wildlife, with historic Fort Howard just moments away. The area is known for its strong community spirit with parades, fireworks, tree lightings, and an largely celebrated recreation council. Don’t delay seeing this home today. The entire property is being sold as-is. Sellers will consider a package sale for both properties to be sold together. Affordable flood insurance is required here if you choose to utilize financing. DISCLOSURE; Sale includes ONLY 2810 12th St (Lot #206). The adjacent parcel, 2810-A 12th St (Pan Handle Lot #207), is not included in the sale and is currently used for shared driveway access. Sellers will not ratify any contract of sale until Buyer and Seller reach a mutually acceptable written agreement regarding the location and configuration of new parking access for the property if needed. The parking location (front, side, or rear yard) is to be determined and agreed upon prior to contract ratification. All costs associated with establishing the new parking access, including but not limited to design, permits, and construction, shall be determined as part of the agreement, with responsibility for such costs to be negotiated and agreed upon by Buyer and Sellers prior to ratification. (Virtual Staging Disclosure) Certain photographs included in this property listing have been virtually staged for decorative and furniture layout purposes only. Buyers are encouraged to personally inspect the property to verify all features and existing conditions.

Key facts

• 7,665 sq ft lot
• Built 1929
• Listed 163 days

What this means for you Summary

Snapshot

• This is a 4-bed/1.0-bath single-family listed at $369k.

Deal economics

• At list price, monthly cash flow is $-123 ($-1k/yr) — negative.
• To cash-flow at today's rent, offer at most $347k (5.9% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $350k (5.1% below list).
• Recommended offer: $325k (12.0% below list) — sets the bar for market timing.
• Cap rate 7.4% vs local median 3.7% in Edgemere — 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 61/100 on livability (#330 in MD) — a middle-class / working-renter tenant base. Strengths: employment A+, housing A+; Watch: cost of living D, amenities F, commute 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.
• Zoned schools: Campfield Early Childhood Center (352 students, 62% FRL); Sparrows Point Middle (math 7% / reading 30%, grade F, #159 of 225 statewide, top 73%, 561 students, 54% FRL); Sparrows Point High (math 18% / reading 53%, grade F, #144 of 222 statewide, top 65%, 1,146 students, 44% FRL).
• Market conditions: 48 active listings in the ZIP; 1 comparable units currently listed for rent nearby; 1,511 units permitted in Baltimore County in 2024 (643 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 $11k 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 163 days — a 12% lower offer ($325k) is reasonable based on typical stale-listing flexibility.
• 2 sale attempts since 29y ago; this cycle's ask has dropped $30k (8%) from the opening price — seller is motivated, your offer sets the floor, not the list.
• Current owner paid $127k; list at $369k implies a 191% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: flood insurance adds $460/mo; built in 1929 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: in FEMA flood zone AE (mandatory federal flood insurance); major wind risk, 68% 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 $324,720 (12.0% below list)

Questions for the listing agent

1. What do current leases actually rent for vs. the listed asking? Can we see a recent rent roll and the last 12 months of T-12 income?
2. It's been on market 163 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
3. Built in 1929 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
4. What's the actual annual flood-insurance premium (NFIP or private), and is the property in a SFHA with mandatory coverage?
5. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
6. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
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: 7.39%
• Cash-on-cash: 3.92%
• DSCR: 1.17
• GRM: 8.8

CMA / ARV

• ARV (median comp): $443,844
• List price: $369,000
• Delta: -16.86%
• Verdict: UNDERPRICED
• Comps: 7 within 1.0 mi

Show comp detail 2 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
2803 8th St	0.30mi	3/1.5 (-1)	1,836 (+4%)	7mo	$349,500	$190	67
9102 Hinton Ave	0.53mi	3/1.5 (-1)	1,640 (-8%)	4mo	$551,000	$336	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 · 3.0% rent growth · sell at horizon

5-year hold

• IRR: -18.6%
• Equity multiple: 0.35×
• Total profit: $-67,388
• Equity at exit: $55,019

10-year hold

• IRR: -10.8%
• Equity multiple: 0.34×
• Total profit: $-67,735
• Equity at exit: $31,904

Cash invested: $103,320 (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 21219

• Active inventory: 48
• Price-to-rent: 8.8×

Monthly cashflow live

• Estimated rent: $3,500 medium
• Mortgage (P&I): −$1,935
• Tax from tax record: −$339 /mo · $4,069/yr
• Insurance: −$154
• Flood insurance flood zone: −$460 /mo · $5,525/yr
• HOA: −$0
• Vacancy / Maint / Mgmt: −$735
• Net cashflow: $-123

Break-even live

Break-even rent $3,656

Max offer price $347,215

Occupancy floor 99%

Sensitivity live

Price	-10% $86	-5% $-19	+0% $-123	+5% $-228	+10% $-332
Rent	-10% $-400	-5% $-262	+0% $-123	+5% $15	+10% $153
Rate	-1.0pp $63	-0.5pp $-29	base $-123	+0.5pp $-219	+1.0pp $-316

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: $92,250
• Closing costs: $11,070
• Reserves months: —
• Total cash needed: —

Rent comps 1 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
9135 Cuckold Point Rd Sparrows Point, MD	3.0	2.0	1260	$3,500	$2.78	0d	1	0.67mi

Listing history 11 events

1. 2026-06-08
   status $369,000 Pending 163 DOM
2. 2026-05-09
   historical Active Under Contract 3755-char remark

   Show marketing remark (3755 chars)

   (SELLERS ARE ACCEPPTING BACK UPS) Wonderful opportunity to own this value-priced 4 bedroom, 2 bath detached all-brick Cape Cod with amazing water views known as 2810 12th St in the water-oriented community of Millers Island. The home features a warm and cozy enclosed front porch with free standing Pellet Stove, ideal for relaxing year-round. Don’t let the exterior fool you this home is much larger than it looks. Step inside to a spacious main level that includes an inviting enclosed porch, an open-concept living room and dining room combination, two main-level bedrooms, a full hallway bath with soaking tub shower combination, a convenient main-level laundry area, and a two-story vaulted open-air kitchen with ample cabinetry, generous Corian counter space, and a center island. The kitchen opens to a 16' x 32' deck showcasing magnificent sunset views across the river toward Rocky Point Golf Course and perfect for entertaining or unwinding at the end of the day. A special bonus if needed is an electric lift for wheelchair access or just heavy items needing a lift to the rear deck and patio door. The upper level offers two additional bedrooms, each with deep double closets and private access to a full bathroom featuring both a tub and shower options. The lower level includes an unfinished basement equipped with drain tile and sump pump systems—ideal for storage, workshop use with both interior and exterior access. The upper pitched roof was replaced within the last 4-6 years and the flat roof has been resurfaced with torched down rubber roofing material. This incredible location provides the true Millers Island lifestyle, just a short walk to the water. Enjoy the enhanced community amenities including a playground, sport court, and sand-covered road endings perfect for swimming, paddleboarding, kayaking, and fishing. You’ll also appreciate easy access to local businesses, shops, waterfront dining, and marinas. Commuting is convenient with close proximity to Tradepoint Atlantic, 695, I-95 and other major highways, offering an easy drive to Canton, Hopkins Bayview, downtown Baltimore, Parkville, Perry Hall, Towson, and more. Nearby waterfront parks offer hiking, biking, fishing, beach areas, and abundant wildlife, with historic Fort Howard just moments away. The area is known for its strong community spirit with parades, fireworks, tree lightings, and an largely celebrated recreation council. Don’t delay seeing this home today. The entire property is being sold as-is. Sellers will consider a package sale for both properties to be sold together. Affordable flood insurance is required here if you choose to utilize financing. DISCLOSURE; Sale includes ONLY 2810 12th St (Lot #206). The adjacent parcel, 2810-A 12th St (Pan Handle Lot #207), is not included in the sale and is currently used for shared driveway access. Sellers will not ratify any contract of sale until Buyer and Seller reach a mutually acceptable written agreement regarding the location and configuration of new parking access for the property if needed. The parking location (front, side, or rear yard) is to be determined and agreed upon prior to contract ratification. All costs associated with establishing the new parking access, including but not limited to design, permits, and construction, shall be determined as part of the agreement, with responsibility for such costs to be negotiated and agreed upon by Buyer and Sellers prior to ratification. (Virtual Staging Disclosure) Certain photographs included in this property listing have been virtually staged for decorative and furniture layout purposes only. Buyers are encouraged to personally inspect the property to verify all features and existing conditions.

3. 2026-04-02
   price $369,000 3755-char remark

   Show marketing remark (3755 chars)

   (SELLERS ARE ACCEPPTING BACK UPS) Wonderful opportunity to own this value-priced 4 bedroom, 2 bath detached all-brick Cape Cod with amazing water views known as 2810 12th St in the water-oriented community of Millers Island. The home features a warm and cozy enclosed front porch with free standing Pellet Stove, ideal for relaxing year-round. Don’t let the exterior fool you this home is much larger than it looks. Step inside to a spacious main level that includes an inviting enclosed porch, an open-concept living room and dining room combination, two main-level bedrooms, a full hallway bath with soaking tub shower combination, a convenient main-level laundry area, and a two-story vaulted open-air kitchen with ample cabinetry, generous Corian counter space, and a center island. The kitchen opens to a 16' x 32' deck showcasing magnificent sunset views across the river toward Rocky Point Golf Course and perfect for entertaining or unwinding at the end of the day. A special bonus if needed is an electric lift for wheelchair access or just heavy items needing a lift to the rear deck and patio door. The upper level offers two additional bedrooms, each with deep double closets and private access to a full bathroom featuring both a tub and shower options. The lower level includes an unfinished basement equipped with drain tile and sump pump systems—ideal for storage, workshop use with both interior and exterior access. The upper pitched roof was replaced within the last 4-6 years and the flat roof has been resurfaced with torched down rubber roofing material. This incredible location provides the true Millers Island lifestyle, just a short walk to the water. Enjoy the enhanced community amenities including a playground, sport court, and sand-covered road endings perfect for swimming, paddleboarding, kayaking, and fishing. You’ll also appreciate easy access to local businesses, shops, waterfront dining, and marinas. Commuting is convenient with close proximity to Tradepoint Atlantic, 695, I-95 and other major highways, offering an easy drive to Canton, Hopkins Bayview, downtown Baltimore, Parkville, Perry Hall, Towson, and more. Nearby waterfront parks offer hiking, biking, fishing, beach areas, and abundant wildlife, with historic Fort Howard just moments away. The area is known for its strong community spirit with parades, fireworks, tree lightings, and an largely celebrated recreation council. Don’t delay seeing this home today. The entire property is being sold as-is. Sellers will consider a package sale for both properties to be sold together. Affordable flood insurance is required here if you choose to utilize financing. DISCLOSURE; Sale includes ONLY 2810 12th St (Lot #206). The adjacent parcel, 2810-A 12th St (Pan Handle Lot #207), is not included in the sale and is currently used for shared driveway access. Sellers will not ratify any contract of sale until Buyer and Seller reach a mutually acceptable written agreement regarding the location and configuration of new parking access for the property if needed. The parking location (front, side, or rear yard) is to be determined and agreed upon prior to contract ratification. All costs associated with establishing the new parking access, including but not limited to design, permits, and construction, shall be determined as part of the agreement, with responsibility for such costs to be negotiated and agreed upon by Buyer and Sellers prior to ratification. (Virtual Staging Disclosure) Certain photographs included in this property listing have been virtually staged for decorative and furniture layout purposes only. Buyers are encouraged to personally inspect the property to verify all features and existing conditions.

4. 2026-04-01
   price $499,000 3755-char remark

   Show marketing remark (3755 chars)

   (SELLERS ARE ACCEPPTING BACK UPS) Wonderful opportunity to own this value-priced 4 bedroom, 2 bath detached all-brick Cape Cod with amazing water views known as 2810 12th St in the water-oriented community of Millers Island. The home features a warm and cozy enclosed front porch with free standing Pellet Stove, ideal for relaxing year-round. Don’t let the exterior fool you this home is much larger than it looks. Step inside to a spacious main level that includes an inviting enclosed porch, an open-concept living room and dining room combination, two main-level bedrooms, a full hallway bath with soaking tub shower combination, a convenient main-level laundry area, and a two-story vaulted open-air kitchen with ample cabinetry, generous Corian counter space, and a center island. The kitchen opens to a 16' x 32' deck showcasing magnificent sunset views across the river toward Rocky Point Golf Course and perfect for entertaining or unwinding at the end of the day. A special bonus if needed is an electric lift for wheelchair access or just heavy items needing a lift to the rear deck and patio door. The upper level offers two additional bedrooms, each with deep double closets and private access to a full bathroom featuring both a tub and shower options. The lower level includes an unfinished basement equipped with drain tile and sump pump systems—ideal for storage, workshop use with both interior and exterior access. The upper pitched roof was replaced within the last 4-6 years and the flat roof has been resurfaced with torched down rubber roofing material. This incredible location provides the true Millers Island lifestyle, just a short walk to the water. Enjoy the enhanced community amenities including a playground, sport court, and sand-covered road endings perfect for swimming, paddleboarding, kayaking, and fishing. You’ll also appreciate easy access to local businesses, shops, waterfront dining, and marinas. Commuting is convenient with close proximity to Tradepoint Atlantic, 695, I-95 and other major highways, offering an easy drive to Canton, Hopkins Bayview, downtown Baltimore, Parkville, Perry Hall, Towson, and more. Nearby waterfront parks offer hiking, biking, fishing, beach areas, and abundant wildlife, with historic Fort Howard just moments away. The area is known for its strong community spirit with parades, fireworks, tree lightings, and an largely celebrated recreation council. Don’t delay seeing this home today. The entire property is being sold as-is. Sellers will consider a package sale for both properties to be sold together. Affordable flood insurance is required here if you choose to utilize financing. DISCLOSURE; Sale includes ONLY 2810 12th St (Lot #206). The adjacent parcel, 2810-A 12th St (Pan Handle Lot #207), is not included in the sale and is currently used for shared driveway access. Sellers will not ratify any contract of sale until Buyer and Seller reach a mutually acceptable written agreement regarding the location and configuration of new parking access for the property if needed. The parking location (front, side, or rear yard) is to be determined and agreed upon prior to contract ratification. All costs associated with establishing the new parking access, including but not limited to design, permits, and construction, shall be determined as part of the agreement, with responsibility for such costs to be negotiated and agreed upon by Buyer and Sellers prior to ratification. (Virtual Staging Disclosure) Certain photographs included in this property listing have been virtually staged for decorative and furniture layout purposes only. Buyers are encouraged to personally inspect the property to verify all features and existing conditions.

5. 2026-04-01
   price $499,900 3755-char remark

   Show marketing remark (3755 chars)

   (SELLERS ARE ACCEPPTING BACK UPS) Wonderful opportunity to own this value-priced 4 bedroom, 2 bath detached all-brick Cape Cod with amazing water views known as 2810 12th St in the water-oriented community of Millers Island. The home features a warm and cozy enclosed front porch with free standing Pellet Stove, ideal for relaxing year-round. Don’t let the exterior fool you this home is much larger than it looks. Step inside to a spacious main level that includes an inviting enclosed porch, an open-concept living room and dining room combination, two main-level bedrooms, a full hallway bath with soaking tub shower combination, a convenient main-level laundry area, and a two-story vaulted open-air kitchen with ample cabinetry, generous Corian counter space, and a center island. The kitchen opens to a 16' x 32' deck showcasing magnificent sunset views across the river toward Rocky Point Golf Course and perfect for entertaining or unwinding at the end of the day. A special bonus if needed is an electric lift for wheelchair access or just heavy items needing a lift to the rear deck and patio door. The upper level offers two additional bedrooms, each with deep double closets and private access to a full bathroom featuring both a tub and shower options. The lower level includes an unfinished basement equipped with drain tile and sump pump systems—ideal for storage, workshop use with both interior and exterior access. The upper pitched roof was replaced within the last 4-6 years and the flat roof has been resurfaced with torched down rubber roofing material. This incredible location provides the true Millers Island lifestyle, just a short walk to the water. Enjoy the enhanced community amenities including a playground, sport court, and sand-covered road endings perfect for swimming, paddleboarding, kayaking, and fishing. You’ll also appreciate easy access to local businesses, shops, waterfront dining, and marinas. Commuting is convenient with close proximity to Tradepoint Atlantic, 695, I-95 and other major highways, offering an easy drive to Canton, Hopkins Bayview, downtown Baltimore, Parkville, Perry Hall, Towson, and more. Nearby waterfront parks offer hiking, biking, fishing, beach areas, and abundant wildlife, with historic Fort Howard just moments away. The area is known for its strong community spirit with parades, fireworks, tree lightings, and an largely celebrated recreation council. Don’t delay seeing this home today. The entire property is being sold as-is. Sellers will consider a package sale for both properties to be sold together. Affordable flood insurance is required here if you choose to utilize financing. DISCLOSURE; Sale includes ONLY 2810 12th St (Lot #206). The adjacent parcel, 2810-A 12th St (Pan Handle Lot #207), is not included in the sale and is currently used for shared driveway access. Sellers will not ratify any contract of sale until Buyer and Seller reach a mutually acceptable written agreement regarding the location and configuration of new parking access for the property if needed. The parking location (front, side, or rear yard) is to be determined and agreed upon prior to contract ratification. All costs associated with establishing the new parking access, including but not limited to design, permits, and construction, shall be determined as part of the agreement, with responsibility for such costs to be negotiated and agreed upon by Buyer and Sellers prior to ratification. (Virtual Staging Disclosure) Certain photographs included in this property listing have been virtually staged for decorative and furniture layout purposes only. Buyers are encouraged to personally inspect the property to verify all features and existing conditions.

6. 2026-01-14
   price $499,000 3755-char remark

   Show marketing remark (3755 chars)

   (SELLERS ARE ACCEPPTING BACK UPS) Wonderful opportunity to own this value-priced 4 bedroom, 2 bath detached all-brick Cape Cod with amazing water views known as 2810 12th St in the water-oriented community of Millers Island. The home features a warm and cozy enclosed front porch with free standing Pellet Stove, ideal for relaxing year-round. Don’t let the exterior fool you this home is much larger than it looks. Step inside to a spacious main level that includes an inviting enclosed porch, an open-concept living room and dining room combination, two main-level bedrooms, a full hallway bath with soaking tub shower combination, a convenient main-level laundry area, and a two-story vaulted open-air kitchen with ample cabinetry, generous Corian counter space, and a center island. The kitchen opens to a 16' x 32' deck showcasing magnificent sunset views across the river toward Rocky Point Golf Course and perfect for entertaining or unwinding at the end of the day. A special bonus if needed is an electric lift for wheelchair access or just heavy items needing a lift to the rear deck and patio door. The upper level offers two additional bedrooms, each with deep double closets and private access to a full bathroom featuring both a tub and shower options. The lower level includes an unfinished basement equipped with drain tile and sump pump systems—ideal for storage, workshop use with both interior and exterior access. The upper pitched roof was replaced within the last 4-6 years and the flat roof has been resurfaced with torched down rubber roofing material. This incredible location provides the true Millers Island lifestyle, just a short walk to the water. Enjoy the enhanced community amenities including a playground, sport court, and sand-covered road endings perfect for swimming, paddleboarding, kayaking, and fishing. You’ll also appreciate easy access to local businesses, shops, waterfront dining, and marinas. Commuting is convenient with close proximity to Tradepoint Atlantic, 695, I-95 and other major highways, offering an easy drive to Canton, Hopkins Bayview, downtown Baltimore, Parkville, Perry Hall, Towson, and more. Nearby waterfront parks offer hiking, biking, fishing, beach areas, and abundant wildlife, with historic Fort Howard just moments away. The area is known for its strong community spirit with parades, fireworks, tree lightings, and an largely celebrated recreation council. Don’t delay seeing this home today. The entire property is being sold as-is. Sellers will consider a package sale for both properties to be sold together. Affordable flood insurance is required here if you choose to utilize financing. DISCLOSURE; Sale includes ONLY 2810 12th St (Lot #206). The adjacent parcel, 2810-A 12th St (Pan Handle Lot #207), is not included in the sale and is currently used for shared driveway access. Sellers will not ratify any contract of sale until Buyer and Seller reach a mutually acceptable written agreement regarding the location and configuration of new parking access for the property if needed. The parking location (front, side, or rear yard) is to be determined and agreed upon prior to contract ratification. All costs associated with establishing the new parking access, including but not limited to design, permits, and construction, shall be determined as part of the agreement, with responsibility for such costs to be negotiated and agreed upon by Buyer and Sellers prior to ratification. (Virtual Staging Disclosure) Certain photographs included in this property listing have been virtually staged for decorative and furniture layout purposes only. Buyers are encouraged to personally inspect the property to verify all features and existing conditions.

7. 2025-11-27
   listed $399,000 Active 3755-char remark

   Show marketing remark (3755 chars)

   (SELLERS ARE ACCEPPTING BACK UPS) Wonderful opportunity to own this value-priced 4 bedroom, 2 bath detached all-brick Cape Cod with amazing water views known as 2810 12th St in the water-oriented community of Millers Island. The home features a warm and cozy enclosed front porch with free standing Pellet Stove, ideal for relaxing year-round. Don’t let the exterior fool you this home is much larger than it looks. Step inside to a spacious main level that includes an inviting enclosed porch, an open-concept living room and dining room combination, two main-level bedrooms, a full hallway bath with soaking tub shower combination, a convenient main-level laundry area, and a two-story vaulted open-air kitchen with ample cabinetry, generous Corian counter space, and a center island. The kitchen opens to a 16' x 32' deck showcasing magnificent sunset views across the river toward Rocky Point Golf Course and perfect for entertaining or unwinding at the end of the day. A special bonus if needed is an electric lift for wheelchair access or just heavy items needing a lift to the rear deck and patio door. The upper level offers two additional bedrooms, each with deep double closets and private access to a full bathroom featuring both a tub and shower options. The lower level includes an unfinished basement equipped with drain tile and sump pump systems—ideal for storage, workshop use with both interior and exterior access. The upper pitched roof was replaced within the last 4-6 years and the flat roof has been resurfaced with torched down rubber roofing material. This incredible location provides the true Millers Island lifestyle, just a short walk to the water. Enjoy the enhanced community amenities including a playground, sport court, and sand-covered road endings perfect for swimming, paddleboarding, kayaking, and fishing. You’ll also appreciate easy access to local businesses, shops, waterfront dining, and marinas. Commuting is convenient with close proximity to Tradepoint Atlantic, 695, I-95 and other major highways, offering an easy drive to Canton, Hopkins Bayview, downtown Baltimore, Parkville, Perry Hall, Towson, and more. Nearby waterfront parks offer hiking, biking, fishing, beach areas, and abundant wildlife, with historic Fort Howard just moments away. The area is known for its strong community spirit with parades, fireworks, tree lightings, and an largely celebrated recreation council. Don’t delay seeing this home today. The entire property is being sold as-is. Sellers will consider a package sale for both properties to be sold together. Affordable flood insurance is required here if you choose to utilize financing. DISCLOSURE; Sale includes ONLY 2810 12th St (Lot #206). The adjacent parcel, 2810-A 12th St (Pan Handle Lot #207), is not included in the sale and is currently used for shared driveway access. Sellers will not ratify any contract of sale until Buyer and Seller reach a mutually acceptable written agreement regarding the location and configuration of new parking access for the property if needed. The parking location (front, side, or rear yard) is to be determined and agreed upon prior to contract ratification. All costs associated with establishing the new parking access, including but not limited to design, permits, and construction, shall be determined as part of the agreement, with responsibility for such costs to be negotiated and agreed upon by Buyer and Sellers prior to ratification. (Virtual Staging Disclosure) Certain photographs included in this property listing have been virtually staged for decorative and furniture layout purposes only. Buyers are encouraged to personally inspect the property to verify all features and existing conditions.

8. 2025-11-23
   historical $399,000 3755-char remark

   Show marketing remark (3755 chars)

   (SELLERS ARE ACCEPPTING BACK UPS) Wonderful opportunity to own this value-priced 4 bedroom, 2 bath detached all-brick Cape Cod with amazing water views known as 2810 12th St in the water-oriented community of Millers Island. The home features a warm and cozy enclosed front porch with free standing Pellet Stove, ideal for relaxing year-round. Don’t let the exterior fool you this home is much larger than it looks. Step inside to a spacious main level that includes an inviting enclosed porch, an open-concept living room and dining room combination, two main-level bedrooms, a full hallway bath with soaking tub shower combination, a convenient main-level laundry area, and a two-story vaulted open-air kitchen with ample cabinetry, generous Corian counter space, and a center island. The kitchen opens to a 16' x 32' deck showcasing magnificent sunset views across the river toward Rocky Point Golf Course and perfect for entertaining or unwinding at the end of the day. A special bonus if needed is an electric lift for wheelchair access or just heavy items needing a lift to the rear deck and patio door. The upper level offers two additional bedrooms, each with deep double closets and private access to a full bathroom featuring both a tub and shower options. The lower level includes an unfinished basement equipped with drain tile and sump pump systems—ideal for storage, workshop use with both interior and exterior access. The upper pitched roof was replaced within the last 4-6 years and the flat roof has been resurfaced with torched down rubber roofing material. This incredible location provides the true Millers Island lifestyle, just a short walk to the water. Enjoy the enhanced community amenities including a playground, sport court, and sand-covered road endings perfect for swimming, paddleboarding, kayaking, and fishing. You’ll also appreciate easy access to local businesses, shops, waterfront dining, and marinas. Commuting is convenient with close proximity to Tradepoint Atlantic, 695, I-95 and other major highways, offering an easy drive to Canton, Hopkins Bayview, downtown Baltimore, Parkville, Perry Hall, Towson, and more. Nearby waterfront parks offer hiking, biking, fishing, beach areas, and abundant wildlife, with historic Fort Howard just moments away. The area is known for its strong community spirit with parades, fireworks, tree lightings, and an largely celebrated recreation council. Don’t delay seeing this home today. The entire property is being sold as-is. Sellers will consider a package sale for both properties to be sold together. Affordable flood insurance is required here if you choose to utilize financing. DISCLOSURE; Sale includes ONLY 2810 12th St (Lot #206). The adjacent parcel, 2810-A 12th St (Pan Handle Lot #207), is not included in the sale and is currently used for shared driveway access. Sellers will not ratify any contract of sale until Buyer and Seller reach a mutually acceptable written agreement regarding the location and configuration of new parking access for the property if needed. The parking location (front, side, or rear yard) is to be determined and agreed upon prior to contract ratification. All costs associated with establishing the new parking access, including but not limited to design, permits, and construction, shall be determined as part of the agreement, with responsibility for such costs to be negotiated and agreed upon by Buyer and Sellers prior to ratification. (Virtual Staging Disclosure) Certain photographs included in this property listing have been virtually staged for decorative and furniture layout purposes only. Buyers are encouraged to personally inspect the property to verify all features and existing conditions.

9. 1997-06-10
   soldstatus $127,000
10. 1997-03-18
    historical
11. 1997-01-30
    listed $134,000

ⓘ 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: $4,069 · $339/mo
• Projected year-2 tax: $4,069 · $339/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 10/10 Extreme FEMA zone AE · 99% chance over 30 yrs
• 🔥 Wildfire 2/10 Low
• 🌡 Heat 8/10 Severe 7 d/yr ≥103°F today · 16 d/yr by 30 yrs out
• 💨 Wind 6/10 Major 68% 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: $42,000
• − Mortgage interest: −$20,670
• − Property taxes: −$4,069
• − Insurance: −$7,370
• − Repairs & maintenance: −$3,360
• − Management: −$3,360
• − Depreciation: −$10,735
• Taxable loss: −$7,563
• Est. tax savings @ 24.0%: +$1,815
• After-tax cash flow: $335/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 — Edgemere

• Score: 61/100
• State rank: #330
• US rank: #17349

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Edgemere, MD
• City population: 10,119
• Population (ZIP): 9,873

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: Predominantly White (89%)
• Race & ethnicity: White 89% Black 4% Two or more races 4% Asian 3%
• Common ancestry: Romanian 13% Lithuanian 2% Slovak 1%
• Foreign-born: 3% · South Korea, Canada
• Languages at home: 95% English-only · Other Indo-European 2% Korean 1% Tagalog/Filipino 1%

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: ▼ -170.41%
• Current HPI: 263.3437
• 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

+175.4% since first listed

10 events — show timeline

• 2026-05-09 Contingent — BRIGHT MLS
• 2026-04-02 Price Changed $369,000 BRIGHT MLS
• 2026-04-01 Price Changed $499,000 BRIGHT MLS
• 2026-04-01 Price Changed $499,900 BRIGHT MLS
• 2026-01-14 Price Changed $499,000 BRIGHT MLS
• 2025-11-27 Listed $399,000 BRIGHT MLS
• 2025-11-23 Coming Soon $399,000 BRIGHT MLS
• 1997-06-10 Sold (MLS) $127,000 MRIS
• 1997-03-18 Delisted — MRIS
• 1997-01-30 Listed $134,000 MRIS

Property tax history

+2.3%/yr

Latest (2025): $4,069 · +8.1% YoY. Source: county tax records.