1839 Ramsay St · Baltimore, MD 21223

$79,900

2 bd · 1.0 ba · 690 sqft · Townhouse · 171 Days on market

Built 1920 871 sqft lot $116/sqft · 299% above area

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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 +30.0/30.0
• 1% rule +10.0/10.0
• DSCR +10.0/10.0
• ARV discount +7.5/15.0
• Rent growth +4.4/5.0
• Livability +3.8/5.0
• Condition / age +2.5/5.0
• Schools +1.0/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

Back on the Market, the buyer did not perform! This property qualifies for 100% financing! Why rent when you can own for less? Monthly payments could be lower than area rental prices. Don’t miss this opportunity—see the attached flyer for full details on this affordable path to homeownership. Welcome to 1839 Ramsay Street, a beautifully renovated home nestled in the up-and-coming Pratt Monroe neighborhood. This charming two-bedroom, one-bath residence has been fully rehabbed and is 100% move-in ready—offering a perfect opportunity to own for less than the cost of rent! Step inside to discover a bright and airy main level featuring high ceilings, durable laminate flooring, recessed lighting, and a sleek full bathroom. The updated eat-in kitchen is a standout, boasting stainless steel appliances and plenty of space for casual dining and entertaining. Upstairs, you’ll find two generously sized bedrooms with matching laminate flooring and recessed lighting, creating a cohesive and modern look throughout. The lower level offers ample storage space and a convenient laundry area with hookups in place. Outside, enjoy a fully fenced rear yard—ideal for relaxing, gardening, or letting pets roam freely. Location is everything, and this home delivers! You’ll be just minutes from Westside Shopping Center, Carroll Park, Top Golf, M & T Bank Stadium, Camden Yards, Horseshoe Casino, and the University of Maryland Medical Center. The vibrant neighborhoods of Federal Hill, Harbor East, Fells Point, and Little Italy offer endless options for dining, shopping, and nightlife. With quick access to I-95 and I-295, commuting to Washington, D. C. , Philadelphia, and beyond is a breeze. Don’t miss your chance to own this turn-key gem in a prime location—welcome home!

Key facts

• Ample storage space
• High ceilings
• Built 1920

Tags

• UPDATED EAT-IN KITCHEN
• FULLY FENCED REAR YARD
• AMPLE STORAGE SPACE
• CONVENIENT LAUNDRY AREA
• BRIGHT AND AIRY MAIN LEVEL
• HIGH CEILINGS

What this means for you Summary

Snapshot

• This is a 2-bed/1.0-bath townhouse listed at $80k.

Deal economics

• At list price, monthly cash flow is $725 ($9k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $80k).
• Recommended offer: $70k (12.0% below list) — sets the bar for market timing.
• Cap rate 17.2% vs local median 6.0% in Baltimore — 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 76/100 on livability (#90 in MD, #3,396 nationally) — a middle-class / working-renter tenant base. Strengths: amenities A+, commute A+, housing A+; Watch: schools D, crime F.
• Baltimore City Public Schools (urban): math 7% / reading 16% proficiency, ranked #24 of 24 in MD (top 100%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover; 79% free/reduced lunch — lower-income household profile, screen leases tightly.
• Market conditions: Rents rising fast (+7.5%/yr); 425 active listings in the ZIP; 21 comparable units currently listed for rent nearby; rentals at typical pace (median 16d on market — plan ~3-4 weeks tenant-placement turnaround); 1,273 units permitted in Baltimore city in 2024 (1,104 in 5+ unit buildings).
• This rent runs 40% of the median local income ($46k/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 $552 of loan paydown is wiped out by about $2k of value loss. Plan a longer hold.
• Baltimore County population projected to shrink 4% by 2050 — rents likely to lag national; underwrite the cash flow, not the appreciation.
• At projected returns (-3.0% appreciation + 7.5% rent growth), your $22k cash investment doubles in ~3 years — after that, you're playing with house money.

Negotiation context

• It's been on market 171 days — a 12% lower offer ($70k) is reasonable based on typical stale-listing flexibility.
• 8 sale attempts since 28y ago; this cycle's ask has dropped $20k (20%) from the opening price — seller is motivated, your offer sets the floor, not the list.
• Current owner paid $10k; list at $80k implies a 699% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: built in 1920 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: major wind risk, 27% chance of damaging wind over 30y; extreme-heat days projected 7→15/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $70,312 (12.0% below list)

Questions for the listing agent

1. It's been on market 171 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
2. Built in 1920 — 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 D-rated, which usually means shorter tenancies and higher turnover. Who's the typical renter profile here, and what's been the actual vacancy rate?
6. 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?
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: 1.91% ✓
• Cap rate: 17.18%
• Cash-on-cash: 38.87%
• DSCR: 2.73
• GRM: 4.4

CMA / ARV

• ARV (median comp): $20,000
• List price: $79,900
• Delta: 299.50%
• Verdict: OVERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
1926 Wilhelm St	0.11mi	2/1.0	684 (-1%)	7mo	$7,500	$11	88
1613 Lemmon St	0.25mi	2/1.0	686 (-1%)	1mo	$20,000	$29	87
1611 Lemmon St	0.25mi	2/1.0	686 (-1%)	1mo	$20,000	$29	87
1609 Lemmon St	0.25mi	1/1.0 (-1)	686 (-1%)	1mo	$20,000	$29	82
1605 Lemmon St	0.25mi	2/3.0	686 (-1%)	1mo	$20,000	$29	79
1612 Lemmon St	0.25mi	2/1.0	744 (+8%)	1mo	$20,000	$27	74
1610 Lemmon St	0.25mi	2/1.0	744 (+8%)	1mo	$20,000	$27	74
1608 Lemmon St	0.26mi	2/1.0	744 (+8%)	1mo	$20,000	$27	74
1606 Lemmon St	0.26mi	2/1.0	744 (+8%)	1mo	$20,000	$27	74
1604 Lemmon St	0.26mi	1/1.0 (-1)	744 (+8%)	1mo	$20,000	$27	69
1406 Lemmon St	0.38mi	3/1.5 (+1)	720 (+4%)	8mo	$155,000	$215	62
1123 Ward St	0.72mi	2/1.0	768 (+11%)	9mo	$178,000	$232	40

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 · 7.51% rent growth · sell at horizon

5-year hold

• IRR: 39.8%
• Equity multiple: 2.81×
• Total profit: $40,451
• Equity at exit: $11,913

10-year hold

• IRR: 48.2%
• Equity multiple: 6.69×
• Total profit: $127,281
• Equity at exit: $6,908

Cash invested: $22,372 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

• Overall (CITY): 12 Strongly Tenant-Friendly
• State Maryland: 27 Tenant-Leaning · D+14
• County: — inherits STATE
• City Baltimore: 12 Strongly Tenant-Friendly · D+58

Just-cause for tenancies > 1 yr.

Methodology + full state rankings →

ZIP-level market 21223

• Rents YoY: 7.5%
• Active inventory: 425
• Price-to-rent: 4.4×

Monthly cashflow live

• Estimated rent: $1,530 high
• Mortgage (P&I): −$419
• Tax from tax record: −$32 /mo · $380/yr
• Insurance: −$33
• HOA: −$0
• Vacancy / Maint / Mgmt: −$321
• Net cashflow: $725

Break-even live

Break-even rent $613

Max offer price $79,900

Occupancy floor 48%

Sensitivity live

Price	-10% $770	-5% $747	+0% $725	+5% $702	+10% $680
Rent	-10% $604	-5% $664	+0% $725	+5% $785	+10% $846
Rate	-1.0pp $765	-0.5pp $745	base $725	+0.5pp $704	+1.0pp $683

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: $19,975
• Closing costs: $2,397
• Reserves months: —
• Total cash needed: —

Rent comps 21 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
1712 W Lombard St #4 Baltimore, MD	1.0	1.0	550	$900	$1.64	45d	1	0.26mi
28 N Norris St Baltimore, MD	1.0	2.0	700	$1,450	$2.07	45d	1	0.53mi
48 S Carrollton Ave Unit 4 Baltimore, MD	2.0	1.0	670	$1,600	$2.39	45d	1	0.58mi
101 N Schroeder St Baltimore, MD	3.0	1.0–2.0	1037	$2,481	$2.39	3d	12	0.84mi
121 S Fremont Ave Baltimore, MD	1.0	1.0	582	$2,100	$3.61	21d	5	1.04mi
725 W Pratt St Baltimore, MD	1.0	1.0	584	$1,925	$3.29	11d	9	1.06mi
709 N Carrollton Ave Unit 1A Baltimore, MD	1.0	1.0	500	$800	$1.60	17d	1	1.09mi
1339 W Lafayette Ave #1 Baltimore, MD	2.0	2.0	700	$1,600	$2.29	14d	1	1.14mi
519 W Pratt St Baltimore, MD	1.0	1.0	576	$1,400	$2.43	3d	2	1.25mi
910 N Arlington Ave Unit 1 Baltimore, MD	1.0	1.0	551	$999	$1.81	19d	1	1.28mi
410 W Lombard St Baltimore, MD	1.0	1.0	611	$1,995	$3.26	3d	4	1.33mi
301 W Lombard St Baltimore, MD	1.0	1.0–2.0	499	$1,775	$3.56	3d	30	1.41mi
1 S Eutaw St Unit 1BR Baltimore, MD	1.0	1.0	600	$1,245	$2.08	16d	1	1.42mi
11 S Eutaw St Baltimore, MD	1.0–2.0	1.0–2.0	1023	$2,146	$2.10	3d	11	1.42mi
318 N Paca St Unit 10 Baltimore, MD	2.0	1.0	600	$1,200	$2.00	23d	1	1.44mi
318 N Paca St Unit 9 Baltimore, MD	1.0	1.0	600	$1,000	$1.67	45d	1	1.44mi
300 W Lombard St Baltimore, MD	2.0	1.0–2.0	686	$1,835	$2.67	3d	7	1.45mi
300 W Redwood St Baltimore, MD	1.0	1.0	565	$2,400	$4.25	19d	1	1.45mi
8 N Howard St Baltimore, MD	2.0	1.0–2.0	1433	$3,600	$2.51	3d	36	1.48mi
305 W Fayette St Baltimore, MD	1.0–2.0	1.0–2.0	895	$1,640	$1.83	45d	1	1.49mi
300 W Fayette St Baltimore, MD	3.0	1.0–3.0	1267	$1,865	$1.47	4d	9	1.49mi

Listing history 40 events

1. 2026-06-21
   days on market $79,900 Active 171 DOM
2. 2026-06-18
   days on market $79,900 Active 168 DOM
3. 2026-06-17
   days on market $79,900 Active 167 DOM
4. 2026-06-16
   days on market $79,900 Active 166 DOM
5. 2026-06-15
   days on market $79,900 Active 165 DOM
6. 2026-06-13
   days on market $79,900 Active 163 DOM
7. 2026-06-09
   days on market $79,900 Active 159 DOM
8. 2026-06-08
   days on market $79,900 Active 158 DOM
9. 2026-06-07
   days on market $79,900 Active 157 DOM
10. 2026-06-04
    days on market $79,900 Active 154 DOM
11. 2026-06-03
    days on market $79,900 Active 153 DOM
12. 2026-06-02
    days on market $79,900 Active 152 DOM
13. 2026-06-01
    days on market $79,900 Active 151 DOM
14. 2026-05-31
    days on market $79,900 Active 150 DOM
15. 2026-05-04
    status Active 1823-char remark

    Show marketing remark (1823 chars)

    Back on the Market, the buyer did not perform! This property qualifies for 100% financing! Why rent when you can own for less? Monthly payments could be lower than area rental prices. Don’t miss this opportunity—see the attached flyer for full details on this affordable path to homeownership. Welcome to 1839 Ramsay Street, a beautifully renovated home nestled in the up-and-coming Pratt Monroe neighborhood. This charming two-bedroom, one-bath residence has been fully rehabbed and is 100% move-in ready—offering a perfect opportunity to own for less than the cost of rent! Step inside to discover a bright and airy main level featuring high ceilings, durable laminate flooring, recessed lighting, and a sleek full bathroom. The updated eat-in kitchen is a standout, boasting stainless steel appliances and plenty of space for casual dining and entertaining. Upstairs, you’ll find two generously sized bedrooms with matching laminate flooring and recessed lighting, creating a cohesive and modern look throughout. The lower level offers ample storage space and a convenient laundry area with hookups in place. Outside, enjoy a fully fenced rear yard—ideal for relaxing, gardening, or letting pets roam freely. Location is everything, and this home delivers! You’ll be just minutes from Westside Shopping Center, Carroll Park, Top Golf, M & T Bank Stadium, Camden Yards, Horseshoe Casino, and the University of Maryland Medical Center. The vibrant neighborhoods of Federal Hill, Harbor East, Fells Point, and Little Italy offer endless options for dining, shopping, and nightlife. With quick access to I-95 and I-295, commuting to Washington, D. C. , Philadelphia, and beyond is a breeze. Don’t miss your chance to own this turn-key gem in a prime location—welcome home!

16. 2026-04-24
    status Pending 1823-char remark

    Show marketing remark (1823 chars)

    Back on the Market, the buyer did not perform! This property qualifies for 100% financing! Why rent when you can own for less? Monthly payments could be lower than area rental prices. Don’t miss this opportunity—see the attached flyer for full details on this affordable path to homeownership. Welcome to 1839 Ramsay Street, a beautifully renovated home nestled in the up-and-coming Pratt Monroe neighborhood. This charming two-bedroom, one-bath residence has been fully rehabbed and is 100% move-in ready—offering a perfect opportunity to own for less than the cost of rent! Step inside to discover a bright and airy main level featuring high ceilings, durable laminate flooring, recessed lighting, and a sleek full bathroom. The updated eat-in kitchen is a standout, boasting stainless steel appliances and plenty of space for casual dining and entertaining. Upstairs, you’ll find two generously sized bedrooms with matching laminate flooring and recessed lighting, creating a cohesive and modern look throughout. The lower level offers ample storage space and a convenient laundry area with hookups in place. Outside, enjoy a fully fenced rear yard—ideal for relaxing, gardening, or letting pets roam freely. Location is everything, and this home delivers! You’ll be just minutes from Westside Shopping Center, Carroll Park, Top Golf, M & T Bank Stadium, Camden Yards, Horseshoe Casino, and the University of Maryland Medical Center. The vibrant neighborhoods of Federal Hill, Harbor East, Fells Point, and Little Italy offer endless options for dining, shopping, and nightlife. With quick access to I-95 and I-295, commuting to Washington, D. C. , Philadelphia, and beyond is a breeze. Don’t miss your chance to own this turn-key gem in a prime location—welcome home!

17. 2026-04-11
    price $79,900 1823-char remark

    Show marketing remark (1823 chars)

    Back on the Market, the buyer did not perform! This property qualifies for 100% financing! Why rent when you can own for less? Monthly payments could be lower than area rental prices. Don’t miss this opportunity—see the attached flyer for full details on this affordable path to homeownership. Welcome to 1839 Ramsay Street, a beautifully renovated home nestled in the up-and-coming Pratt Monroe neighborhood. This charming two-bedroom, one-bath residence has been fully rehabbed and is 100% move-in ready—offering a perfect opportunity to own for less than the cost of rent! Step inside to discover a bright and airy main level featuring high ceilings, durable laminate flooring, recessed lighting, and a sleek full bathroom. The updated eat-in kitchen is a standout, boasting stainless steel appliances and plenty of space for casual dining and entertaining. Upstairs, you’ll find two generously sized bedrooms with matching laminate flooring and recessed lighting, creating a cohesive and modern look throughout. The lower level offers ample storage space and a convenient laundry area with hookups in place. Outside, enjoy a fully fenced rear yard—ideal for relaxing, gardening, or letting pets roam freely. Location is everything, and this home delivers! You’ll be just minutes from Westside Shopping Center, Carroll Park, Top Golf, M & T Bank Stadium, Camden Yards, Horseshoe Casino, and the University of Maryland Medical Center. The vibrant neighborhoods of Federal Hill, Harbor East, Fells Point, and Little Italy offer endless options for dining, shopping, and nightlife. With quick access to I-95 and I-295, commuting to Washington, D. C. , Philadelphia, and beyond is a breeze. Don’t miss your chance to own this turn-key gem in a prime location—welcome home!

18. 2026-03-04
    status Active 1823-char remark

    Show marketing remark (1823 chars)

    Back on the Market, the buyer did not perform! This property qualifies for 100% financing! Why rent when you can own for less? Monthly payments could be lower than area rental prices. Don’t miss this opportunity—see the attached flyer for full details on this affordable path to homeownership. Welcome to 1839 Ramsay Street, a beautifully renovated home nestled in the up-and-coming Pratt Monroe neighborhood. This charming two-bedroom, one-bath residence has been fully rehabbed and is 100% move-in ready—offering a perfect opportunity to own for less than the cost of rent! Step inside to discover a bright and airy main level featuring high ceilings, durable laminate flooring, recessed lighting, and a sleek full bathroom. The updated eat-in kitchen is a standout, boasting stainless steel appliances and plenty of space for casual dining and entertaining. Upstairs, you’ll find two generously sized bedrooms with matching laminate flooring and recessed lighting, creating a cohesive and modern look throughout. The lower level offers ample storage space and a convenient laundry area with hookups in place. Outside, enjoy a fully fenced rear yard—ideal for relaxing, gardening, or letting pets roam freely. Location is everything, and this home delivers! You’ll be just minutes from Westside Shopping Center, Carroll Park, Top Golf, M & T Bank Stadium, Camden Yards, Horseshoe Casino, and the University of Maryland Medical Center. The vibrant neighborhoods of Federal Hill, Harbor East, Fells Point, and Little Italy offer endless options for dining, shopping, and nightlife. With quick access to I-95 and I-295, commuting to Washington, D. C. , Philadelphia, and beyond is a breeze. Don’t miss your chance to own this turn-key gem in a prime location—welcome home!

19. 2026-02-25
    status Pending 1823-char remark

    Show marketing remark (1823 chars)

    Back on the Market, the buyer did not perform! This property qualifies for 100% financing! Why rent when you can own for less? Monthly payments could be lower than area rental prices. Don’t miss this opportunity—see the attached flyer for full details on this affordable path to homeownership. Welcome to 1839 Ramsay Street, a beautifully renovated home nestled in the up-and-coming Pratt Monroe neighborhood. This charming two-bedroom, one-bath residence has been fully rehabbed and is 100% move-in ready—offering a perfect opportunity to own for less than the cost of rent! Step inside to discover a bright and airy main level featuring high ceilings, durable laminate flooring, recessed lighting, and a sleek full bathroom. The updated eat-in kitchen is a standout, boasting stainless steel appliances and plenty of space for casual dining and entertaining. Upstairs, you’ll find two generously sized bedrooms with matching laminate flooring and recessed lighting, creating a cohesive and modern look throughout. The lower level offers ample storage space and a convenient laundry area with hookups in place. Outside, enjoy a fully fenced rear yard—ideal for relaxing, gardening, or letting pets roam freely. Location is everything, and this home delivers! You’ll be just minutes from Westside Shopping Center, Carroll Park, Top Golf, M & T Bank Stadium, Camden Yards, Horseshoe Casino, and the University of Maryland Medical Center. The vibrant neighborhoods of Federal Hill, Harbor East, Fells Point, and Little Italy offer endless options for dining, shopping, and nightlife. With quick access to I-95 and I-295, commuting to Washington, D. C. , Philadelphia, and beyond is a breeze. Don’t miss your chance to own this turn-key gem in a prime location—welcome home!

20. 2026-01-23
    price $85,900 1823-char remark

    Show marketing remark (1823 chars)

    Back on the Market, the buyer did not perform! This property qualifies for 100% financing! Why rent when you can own for less? Monthly payments could be lower than area rental prices. Don’t miss this opportunity—see the attached flyer for full details on this affordable path to homeownership. Welcome to 1839 Ramsay Street, a beautifully renovated home nestled in the up-and-coming Pratt Monroe neighborhood. This charming two-bedroom, one-bath residence has been fully rehabbed and is 100% move-in ready—offering a perfect opportunity to own for less than the cost of rent! Step inside to discover a bright and airy main level featuring high ceilings, durable laminate flooring, recessed lighting, and a sleek full bathroom. The updated eat-in kitchen is a standout, boasting stainless steel appliances and plenty of space for casual dining and entertaining. Upstairs, you’ll find two generously sized bedrooms with matching laminate flooring and recessed lighting, creating a cohesive and modern look throughout. The lower level offers ample storage space and a convenient laundry area with hookups in place. Outside, enjoy a fully fenced rear yard—ideal for relaxing, gardening, or letting pets roam freely. Location is everything, and this home delivers! You’ll be just minutes from Westside Shopping Center, Carroll Park, Top Golf, M & T Bank Stadium, Camden Yards, Horseshoe Casino, and the University of Maryland Medical Center. The vibrant neighborhoods of Federal Hill, Harbor East, Fells Point, and Little Italy offer endless options for dining, shopping, and nightlife. With quick access to I-95 and I-295, commuting to Washington, D. C. , Philadelphia, and beyond is a breeze. Don’t miss your chance to own this turn-key gem in a prime location—welcome home!

21. 2026-01-07
    price $94,900 1823-char remark

    Show marketing remark (1823 chars)

    Back on the Market, the buyer did not perform! This property qualifies for 100% financing! Why rent when you can own for less? Monthly payments could be lower than area rental prices. Don’t miss this opportunity—see the attached flyer for full details on this affordable path to homeownership. Welcome to 1839 Ramsay Street, a beautifully renovated home nestled in the up-and-coming Pratt Monroe neighborhood. This charming two-bedroom, one-bath residence has been fully rehabbed and is 100% move-in ready—offering a perfect opportunity to own for less than the cost of rent! Step inside to discover a bright and airy main level featuring high ceilings, durable laminate flooring, recessed lighting, and a sleek full bathroom. The updated eat-in kitchen is a standout, boasting stainless steel appliances and plenty of space for casual dining and entertaining. Upstairs, you’ll find two generously sized bedrooms with matching laminate flooring and recessed lighting, creating a cohesive and modern look throughout. The lower level offers ample storage space and a convenient laundry area with hookups in place. Outside, enjoy a fully fenced rear yard—ideal for relaxing, gardening, or letting pets roam freely. Location is everything, and this home delivers! You’ll be just minutes from Westside Shopping Center, Carroll Park, Top Golf, M & T Bank Stadium, Camden Yards, Horseshoe Casino, and the University of Maryland Medical Center. The vibrant neighborhoods of Federal Hill, Harbor East, Fells Point, and Little Italy offer endless options for dining, shopping, and nightlife. With quick access to I-95 and I-295, commuting to Washington, D. C. , Philadelphia, and beyond is a breeze. Don’t miss your chance to own this turn-key gem in a prime location—welcome home!

22. 2025-12-16
    listed $99,900 Active 1823-char remark

    Show marketing remark (1823 chars)

    Back on the Market, the buyer did not perform! This property qualifies for 100% financing! Why rent when you can own for less? Monthly payments could be lower than area rental prices. Don’t miss this opportunity—see the attached flyer for full details on this affordable path to homeownership. Welcome to 1839 Ramsay Street, a beautifully renovated home nestled in the up-and-coming Pratt Monroe neighborhood. This charming two-bedroom, one-bath residence has been fully rehabbed and is 100% move-in ready—offering a perfect opportunity to own for less than the cost of rent! Step inside to discover a bright and airy main level featuring high ceilings, durable laminate flooring, recessed lighting, and a sleek full bathroom. The updated eat-in kitchen is a standout, boasting stainless steel appliances and plenty of space for casual dining and entertaining. Upstairs, you’ll find two generously sized bedrooms with matching laminate flooring and recessed lighting, creating a cohesive and modern look throughout. The lower level offers ample storage space and a convenient laundry area with hookups in place. Outside, enjoy a fully fenced rear yard—ideal for relaxing, gardening, or letting pets roam freely. Location is everything, and this home delivers! You’ll be just minutes from Westside Shopping Center, Carroll Park, Top Golf, M & T Bank Stadium, Camden Yards, Horseshoe Casino, and the University of Maryland Medical Center. The vibrant neighborhoods of Federal Hill, Harbor East, Fells Point, and Little Italy offer endless options for dining, shopping, and nightlife. With quick access to I-95 and I-295, commuting to Washington, D. C. , Philadelphia, and beyond is a breeze. Don’t miss your chance to own this turn-key gem in a prime location—welcome home!

23. 2025-12-16
    historical

    Show marketing remark (1823 chars)

    Back on the Market, the buyer did not perform! This property qualifies for 100% financing! Why rent when you can own for less? Monthly payments could be lower than area rental prices. Don’t miss this opportunity—see the attached flyer for full details on this affordable path to homeownership. Welcome to 1839 Ramsay Street, a beautifully renovated home nestled in the up-and-coming Pratt Monroe neighborhood. This charming two-bedroom, one-bath residence has been fully rehabbed and is 100% move-in ready—offering a perfect opportunity to own for less than the cost of rent! Step inside to discover a bright and airy main level featuring high ceilings, durable laminate flooring, recessed lighting, and a sleek full bathroom. The updated eat-in kitchen is a standout, boasting stainless steel appliances and plenty of space for casual dining and entertaining. Upstairs, you’ll find two generously sized bedrooms with matching laminate flooring and recessed lighting, creating a cohesive and modern look throughout. The lower level offers ample storage space and a convenient laundry area with hookups in place. Outside, enjoy a fully fenced rear yard—ideal for relaxing, gardening, or letting pets roam freely. Location is everything, and this home delivers! You’ll be just minutes from Westside Shopping Center, Carroll Park, Top Golf, M & T Bank Stadium, Camden Yards, Horseshoe Casino, and the University of Maryland Medical Center. The vibrant neighborhoods of Federal Hill, Harbor East, Fells Point, and Little Italy offer endless options for dining, shopping, and nightlife. With quick access to I-95 and I-295, commuting to Washington, D. C. , Philadelphia, and beyond is a breeze. Don’t miss your chance to own this turn-key gem in a prime location—welcome home!

24. 2025-09-09
    price $99,900
25. 2025-08-09
    price $109,900
26. 2025-07-17
    price $114,900
27. 2025-06-03
    listed $124,900 Active
28. 2014-03-12
    historical
29. 2014-03-11
    soldstatus $10,000 Sold
30. 2014-03-11
    soldstatus $10,000
31. 2014-01-23
    status Contract
32. 2014-01-23
    historical
33. 2014-01-06
    price $10,950
34. 2014-01-03
    status Active
35. 2013-11-25
    status Contract
36. 2013-11-20
    price $12,150
37. 2013-10-16
    listed $13,500 Active
38. 2013-10-15
    listed $10,950
39. 1999-02-19
    historical
40. 1998-11-11
    listed

ⓘ 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: $380 · $32/mo
• Projected year-2 tax: $626 · $52/mo
• Expected delta: +$245/yr (+$20/mo · 64.4%)

ⓘ 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 8/10 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 6 unhealthy d/yr today · 7 by 30 yrs out

Taxation est. · year 1

• Rental income: $18,361
• − Mortgage interest: −$4,476
• − Property taxes: −$380
• − Insurance: −$400
• − Repairs & maintenance: −$1,469
• − Management: −$1,469
• − Depreciation: −$2,324
• Taxable income: $7,843
• Est. tax owed @ 24.0%: −$1,882
• After-tax cash flow: $6,815/yr

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

Schools (NCES district)

• District: Baltimore City Public Schools
• NCES district ID: 2400090
• Math proficiency: 7% ▼ -9.00%
• Reading proficiency: 16% ▼ -5.00%
• Median HH income: $42,108
• Composite: 10.08/100
• National rank: #9805
• State rank: #24 of 24 in MD

Livability — Baltimore

• Score: 76/100
• State rank: #90
• US rank: #3396

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Baltimore, MD
• County: Baltimore City · 558,601 people
• City population: 588,727
• Metro: Baltimore-Columbia-Towson, MD
• Population (ZIP): 19,572
• Household income: $45,840
• Rent vs Own: 68.0% rent · 32.0% own
• Severe rent burden: 1755.0

Population outlook (Baltimore County) Hauer SSP2

• Today (2025): 624,249 people
• By 2030: 621,541 · -0.4%
• By 2040: 609,756 · -2.3%
• By 2050: 597,249 · -4.3%
• By 2075: 552,236 · -11.5%
• By 2100: 513,934 · -17.7%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly Black (72%)
• Race & ethnicity: Black 72% White 16% Hispanic / Latino 7% Two or more races 6% Asian 1%
• Hispanic origin (detail): Mexican 3% Puerto Rican 1%
• Common ancestry: Romanian 1%
• Foreign-born: 8% · Canada
• Languages at home: 90% English-only · Spanish 6% French/Haitian/Cajun 2% Other Indo-European 1%

Political lean MEDSL · Baltimore

• 2024 margin: Solid D (+73.0) · D 85.2% · R 12.2% · Other 2.6%
• 2008→2024 swing: -2.5pp toward R · 2008: 75.5pp · 2024: 73.0pp
• All cycles: 2024: D+73.0 2020: D+76.6 2016: D+74.6 2012: D+76.4 2008: D+75.5

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -97.99%
• Current HPI: 140.5836
• Rent YoY: ▲ 7.51%
• 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

+629.7% since first listed

26 events — show timeline

• 2026-05-04 Relisted — BRIGHT MLS
• 2026-04-24 Pending — BRIGHT MLS
• 2026-04-11 Price Changed $79,900 BRIGHT MLS
• 2026-03-04 Relisted — BRIGHT MLS
• 2026-02-25 Pending — BRIGHT MLS
• 2026-01-23 Price Changed $85,900 BRIGHT MLS
• 2026-01-07 Price Changed $94,900 BRIGHT MLS
• 2025-12-16 Listing Removed — BRIGHT MLS
• 2025-12-16 Listed $99,900 BRIGHT MLS
• 2025-09-09 Price Changed $99,900 BRIGHT MLS
• 2025-08-09 Price Changed $109,900 BRIGHT MLS
• 2025-07-17 Price Changed $114,900 BRIGHT MLS
• 2025-06-03 Listed $124,900 BRIGHT MLS
• 2014-03-12 Delisted — MRIS
• 2014-03-11 Sold (MLS) $10,000 BRIGHT MLS
• 2014-03-11 Sold (MLS) $10,000 MRIS
• 2014-01-23 Pending — MRIS
• 2014-01-23 Listing Removed — BRIGHT MLS
• 2014-01-06 Price Changed $10,950 MRIS
• 2014-01-03 Relisted — MRIS
• 2013-11-25 Pending — MRIS
• 2013-11-20 Price Changed $12,150 MRIS
• 2013-10-16 Listed $13,500 MRIS
• 2013-10-15 Listed $10,950 BRIGHT MLS
• 1999-02-19 Delisted — MRIS
• 1998-11-11 Listed — MRIS

Property tax history

-5.3%/yr

Latest (2025): $380 · +0.0% YoY. Source: county tax records.