4108 Belvieu Ave · Baltimore, MD 21215

$249,000

5 bd · 3.0 ba · 2,970 sqft · SingleFamily public records · 102 Days on market

Built 1915 7,500 sqft lot $84/sqft · 35% below area Est $384k · 35% 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 +17.8/30.0
• ARV discount +15.0/15.0
• 1% rule +5.9/10.0
• DSCR +5.6/10.0
• Livability +3.8/5.0
• Rent growth +3.1/5.0
• Condition / age +2.5/5.0
• Schools +1.0/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

OR BEST OFFER! Investor Opportunity! Don’t miss this rare chance to make this home in West Arlington neighborhood of Baltimore, yours. Situated on a generously sized lot, this property offers exceptional convenience with easy access to Metro stations, bus routes, and major commuter highways. With 5 Bedrooms & 5 Baths, there’s ample room for private suites throughout your home A large detached two-car garage and private driveway provide off-street parking, complemented by ample street parking. Three of the four units are currently occupied, offering immediate income potential. Ideal for an investor or owner-occupant looking for a fantastic deal!

Key facts

• Private driveway
• Generously sized lot
• Off-street parking

Tags

• GENEROUSLY SIZED LOT
• EASY ACCESS TO METRO STATIONS
• EASY ACCESS TO BUS ROUTES
• LARGE DETACHED TWO-CAR GARAGE
• PRIVATE DRIVEWAY
• OFF-STREET PARKING

What this means for you Summary

Snapshot

• This is a 5-bed/3.0-bath single-family listed at $249k.

Deal economics

• At list price, monthly cash flow is $204 ($2k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($3k rent vs $249k).
• Recommended offer: $227k (9.0% below list) — sets the bar for market timing.
• Cap rate 7.3% vs local median 6.0% in Baltimore — meaningfully above typical; check what's discounted (condition, days-on-market, listing class) to confirm the premium yield is real.

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 (+2.4%/yr); 354 active listings in the ZIP; 2 comparable units currently listed for rent nearby; 1,273 units permitted in Baltimore city in 2024 (1,104 in 5+ unit buildings).
• At $2,704/mo this rent would consume 63% of the median local household income ($52k/yr) (locally 3644% of renters already pay >50% of income on rent) — very limited rent-growth headroom before tenants either downsize or default.

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $2k of loan paydown is wiped out by about $7k 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.

Negotiation context

• It's been on market 102 days — a 9% lower offer ($227k) is reasonable based on typical stale-listing flexibility.
• 4 sale attempts; this cycle's ask has dropped $86k (26%) from the opening price — seller is motivated, your offer sets the floor, not the list.
• Current owner paid $48k; list at $249k implies a 419% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: property tax is 2.5% of price; built in 1915 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: moderate wind risk, 23% 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 $226,590 (9.0% below list)

Questions for the listing agent

1. It's been on market 102 days. Have you received any prior offers? Is the seller open to a 9% concession, seller financing, or rate buy-down credit?
2. Built in 1915 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. Property tax is high relative to price — has the assessment been appealed recently, and will the sale trigger a re-assessment?
4. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
5. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
6. 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?
7. 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?
8. 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.
9. 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.
10. 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: 1.09% ✓
• Cap rate: 7.28%
• Cash-on-cash: 3.52%
• DSCR: 1.16
• GRM: 7.7

CMA / ARV

• ARV (median comp): $383,745
• List price: $249,000
• Delta: -35.11%
• Verdict: UNDERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 8 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
4007 Penhurst Ave	0.16mi	5/3.5	3,003 (+1%)	19mo	$385,000	$128	72
4509 Penhurst Ave	0.38mi	5/2.5	3,174 (+7%)	0mo	$433,000	$136	69
4112-4114 Fernhill Ave	0.14mi	5/3.0	2,656 (-11%)	10mo	$225,000	$85	67
3904 Belle Ave	0.59mi	6/4.0 (+1)	2,802 (-6%)	8mo	$155,000	$55	48
3714 W Cold Spring Ln	0.63mi	5/3.0	2,566 (-14%)	6mo	$318,000	$124	43
3819 W Cold Spring Ln	0.53mi	5/2.0	2,631 (-11%)	15mo	$335,000	$127	39
3910 Chatham Rd	0.67mi	6/5.0 (+1)	2,800 (-6%)	9mo	$490,000	$175	39
5216 Florence Ave	0.73mi	6/4.5 (+1)	2,636 (-11%)	8mo	$280,000	$106	30

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 · 2.41% rent growth · sell at horizon

5-year hold

• IRR: -11.4%
• Equity multiple: 0.59×
• Total profit: $-28,750
• Equity at exit: $37,127

10-year hold

• IRR: -3.1%
• Equity multiple: 0.80×
• Total profit: $-14,043
• Equity at exit: $21,529

Cash invested: $69,720 (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 21215

• Rents YoY: 2.4%
• Active inventory: 354
• Price-to-rent: 7.7×

Monthly cashflow live

• Estimated rent: $2,704 medium
• Mortgage (P&I): −$1,306
• Tax from tax record: −$522 /mo · $6,266/yr
• Insurance: −$104
• HOA: −$0
• Vacancy / Maint / Mgmt: −$568
• Net cashflow: $204

Break-even live

Break-even rent $2,445

Max offer price $249,000

Occupancy floor 87%

Sensitivity live

Price	-10% $345	-5% $275	+0% $204	+5% $134	+10% $64
Rent	-10% $-9	-5% $98	+0% $204	+5% $311	+10% $418
Rate	-1.0pp $330	-0.5pp $268	base $204	+0.5pp $140	+1.0pp $74

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: $62,250
• Closing costs: $7,470
• Reserves months: —
• Total cash needed: —

Rent comps 2 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
4029 Fairview Ave Baltimore, MD	5.0	4.5	2653	$3,200	$1.21	44d	1	1.19mi
3709 Fords Ln Baltimore, MD	4.0	3.5	2248	$3,200	$1.42	21d	1	1.35mi

Listing history 32 events

1. 2026-06-21
   days on market $249,000 Active 102 DOM
2. 2026-06-18
   days on market $249,000 Active 99 DOM
3. 2026-06-17
   days on market $249,000 Active 98 DOM
4. 2026-06-16
   days on market $249,000 Active 97 DOM
5. 2026-06-15
   days on market $249,000 Active 96 DOM
6. 2026-06-13
   days on market $249,000 Active 94 DOM
7. 2026-06-09
   days on market $249,000 Active 90 DOM
8. 2026-06-08
   days on market $249,000 Active 89 DOM
9. 2026-06-07
   days on market $249,000 Active 88 DOM
10. 2026-06-04
    days on market $249,000 Active 85 DOM
11. 2026-06-03
    days on market $249,000 Active 84 DOM
12. 2026-06-02
    days on market $249,000 Active 83 DOM
13. 2026-06-01
    days on market $249,000 Active 82 DOM
14. 2026-05-31
    days on market $249,000 Active 81 DOM
15. 2026-05-13
    historical Active Under Contract 671-char remark

    Show marketing remark (973 chars)

    OR BEST OFFER! Investor Opportunity! Don’t miss this rare chance to own a four-unit multifamily property in the sought-after West Arlington neighborhood of Baltimore. Situated on a generously sized lot, this property offers exceptional convenience with easy access to Metro stations, bus routes, and major commuter highways. The building features a spacious two-bedroom, two-bath unit on the first floor; two one-bedroom, one-bath units on the second level; and an additional one-bedroom, one-bath unit on the third floor. Each unit is separately metered, has its own electric panel, and an independent heating system. A large detached two-car garage and private driveway provide off-street parking, complemented by ample street parking. Three of the four units are currently occupied, offering immediate income potential. Ideal for an investor or owner-occupant looking to live in one unit while generating rental income, or to add a solid asset to their portfolio.

16. 2026-05-13
    historical Active Under Contract 973-char remark

    Show marketing remark (973 chars)

    OR BEST OFFER! Investor Opportunity! Don’t miss this rare chance to own a four-unit multifamily property in the sought-after West Arlington neighborhood of Baltimore. Situated on a generously sized lot, this property offers exceptional convenience with easy access to Metro stations, bus routes, and major commuter highways. The building features a spacious two-bedroom, two-bath unit on the first floor; two one-bedroom, one-bath units on the second level; and an additional one-bedroom, one-bath unit on the third floor. Each unit is separately metered, has its own electric panel, and an independent heating system. A large detached two-car garage and private driveway provide off-street parking, complemented by ample street parking. Three of the four units are currently occupied, offering immediate income potential. Ideal for an investor or owner-occupant looking to live in one unit while generating rental income, or to add a solid asset to their portfolio.

17. 2026-05-01
    status Active 671-char remark

    Show marketing remark (973 chars)

    OR BEST OFFER! Investor Opportunity! Don’t miss this rare chance to own a four-unit multifamily property in the sought-after West Arlington neighborhood of Baltimore. Situated on a generously sized lot, this property offers exceptional convenience with easy access to Metro stations, bus routes, and major commuter highways. The building features a spacious two-bedroom, two-bath unit on the first floor; two one-bedroom, one-bath units on the second level; and an additional one-bedroom, one-bath unit on the third floor. Each unit is separately metered, has its own electric panel, and an independent heating system. A large detached two-car garage and private driveway provide off-street parking, complemented by ample street parking. Three of the four units are currently occupied, offering immediate income potential. Ideal for an investor or owner-occupant looking to live in one unit while generating rental income, or to add a solid asset to their portfolio.

18. 2026-05-01
    status Active 973-char remark

    Show marketing remark (973 chars)

    OR BEST OFFER! Investor Opportunity! Don’t miss this rare chance to own a four-unit multifamily property in the sought-after West Arlington neighborhood of Baltimore. Situated on a generously sized lot, this property offers exceptional convenience with easy access to Metro stations, bus routes, and major commuter highways. The building features a spacious two-bedroom, two-bath unit on the first floor; two one-bedroom, one-bath units on the second level; and an additional one-bedroom, one-bath unit on the third floor. Each unit is separately metered, has its own electric panel, and an independent heating system. A large detached two-car garage and private driveway provide off-street parking, complemented by ample street parking. Three of the four units are currently occupied, offering immediate income potential. Ideal for an investor or owner-occupant looking to live in one unit while generating rental income, or to add a solid asset to their portfolio.

19. 2026-04-30
    historical Active Under Contract 671-char remark

    Show marketing remark (973 chars)

    OR BEST OFFER! Investor Opportunity! Don’t miss this rare chance to own a four-unit multifamily property in the sought-after West Arlington neighborhood of Baltimore. Situated on a generously sized lot, this property offers exceptional convenience with easy access to Metro stations, bus routes, and major commuter highways. The building features a spacious two-bedroom, two-bath unit on the first floor; two one-bedroom, one-bath units on the second level; and an additional one-bedroom, one-bath unit on the third floor. Each unit is separately metered, has its own electric panel, and an independent heating system. A large detached two-car garage and private driveway provide off-street parking, complemented by ample street parking. Three of the four units are currently occupied, offering immediate income potential. Ideal for an investor or owner-occupant looking to live in one unit while generating rental income, or to add a solid asset to their portfolio.

20. 2026-04-30
    historical Active Under Contract 973-char remark

    Show marketing remark (973 chars)

    OR BEST OFFER! Investor Opportunity! Don’t miss this rare chance to own a four-unit multifamily property in the sought-after West Arlington neighborhood of Baltimore. Situated on a generously sized lot, this property offers exceptional convenience with easy access to Metro stations, bus routes, and major commuter highways. The building features a spacious two-bedroom, two-bath unit on the first floor; two one-bedroom, one-bath units on the second level; and an additional one-bedroom, one-bath unit on the third floor. Each unit is separately metered, has its own electric panel, and an independent heating system. A large detached two-car garage and private driveway provide off-street parking, complemented by ample street parking. Three of the four units are currently occupied, offering immediate income potential. Ideal for an investor or owner-occupant looking to live in one unit while generating rental income, or to add a solid asset to their portfolio.

21. 2026-04-20
    price $290,000 671-char remark

    Show marketing remark (973 chars)

    OR BEST OFFER! Investor Opportunity! Don’t miss this rare chance to own a four-unit multifamily property in the sought-after West Arlington neighborhood of Baltimore. Situated on a generously sized lot, this property offers exceptional convenience with easy access to Metro stations, bus routes, and major commuter highways. The building features a spacious two-bedroom, two-bath unit on the first floor; two one-bedroom, one-bath units on the second level; and an additional one-bedroom, one-bath unit on the third floor. Each unit is separately metered, has its own electric panel, and an independent heating system. A large detached two-car garage and private driveway provide off-street parking, complemented by ample street parking. Three of the four units are currently occupied, offering immediate income potential. Ideal for an investor or owner-occupant looking to live in one unit while generating rental income, or to add a solid asset to their portfolio.

22. 2026-04-20
    price $290,000 973-char remark

    Show marketing remark (973 chars)

    OR BEST OFFER! Investor Opportunity! Don’t miss this rare chance to own a four-unit multifamily property in the sought-after West Arlington neighborhood of Baltimore. Situated on a generously sized lot, this property offers exceptional convenience with easy access to Metro stations, bus routes, and major commuter highways. The building features a spacious two-bedroom, two-bath unit on the first floor; two one-bedroom, one-bath units on the second level; and an additional one-bedroom, one-bath unit on the third floor. Each unit is separately metered, has its own electric panel, and an independent heating system. A large detached two-car garage and private driveway provide off-street parking, complemented by ample street parking. Three of the four units are currently occupied, offering immediate income potential. Ideal for an investor or owner-occupant looking to live in one unit while generating rental income, or to add a solid asset to their portfolio.

23. 2026-03-31
    price $305,000 671-char remark

    Show marketing remark (973 chars)

    OR BEST OFFER! Investor Opportunity! Don’t miss this rare chance to own a four-unit multifamily property in the sought-after West Arlington neighborhood of Baltimore. Situated on a generously sized lot, this property offers exceptional convenience with easy access to Metro stations, bus routes, and major commuter highways. The building features a spacious two-bedroom, two-bath unit on the first floor; two one-bedroom, one-bath units on the second level; and an additional one-bedroom, one-bath unit on the third floor. Each unit is separately metered, has its own electric panel, and an independent heating system. A large detached two-car garage and private driveway provide off-street parking, complemented by ample street parking. Three of the four units are currently occupied, offering immediate income potential. Ideal for an investor or owner-occupant looking to live in one unit while generating rental income, or to add a solid asset to their portfolio.

24. 2026-03-31
    price $305,000 973-char remark

    Show marketing remark (973 chars)

    OR BEST OFFER! Investor Opportunity! Don’t miss this rare chance to own a four-unit multifamily property in the sought-after West Arlington neighborhood of Baltimore. Situated on a generously sized lot, this property offers exceptional convenience with easy access to Metro stations, bus routes, and major commuter highways. The building features a spacious two-bedroom, two-bath unit on the first floor; two one-bedroom, one-bath units on the second level; and an additional one-bedroom, one-bath unit on the third floor. Each unit is separately metered, has its own electric panel, and an independent heating system. A large detached two-car garage and private driveway provide off-street parking, complemented by ample street parking. Three of the four units are currently occupied, offering immediate income potential. Ideal for an investor or owner-occupant looking to live in one unit while generating rental income, or to add a solid asset to their portfolio.

25. 2026-03-02
    price $310,000 671-char remark

    Show marketing remark (973 chars)

    OR BEST OFFER! Investor Opportunity! Don’t miss this rare chance to own a four-unit multifamily property in the sought-after West Arlington neighborhood of Baltimore. Situated on a generously sized lot, this property offers exceptional convenience with easy access to Metro stations, bus routes, and major commuter highways. The building features a spacious two-bedroom, two-bath unit on the first floor; two one-bedroom, one-bath units on the second level; and an additional one-bedroom, one-bath unit on the third floor. Each unit is separately metered, has its own electric panel, and an independent heating system. A large detached two-car garage and private driveway provide off-street parking, complemented by ample street parking. Three of the four units are currently occupied, offering immediate income potential. Ideal for an investor or owner-occupant looking to live in one unit while generating rental income, or to add a solid asset to their portfolio.

26. 2026-03-02
    price $310,000 973-char remark

    Show marketing remark (973 chars)

    OR BEST OFFER! Investor Opportunity! Don’t miss this rare chance to own a four-unit multifamily property in the sought-after West Arlington neighborhood of Baltimore. Situated on a generously sized lot, this property offers exceptional convenience with easy access to Metro stations, bus routes, and major commuter highways. The building features a spacious two-bedroom, two-bath unit on the first floor; two one-bedroom, one-bath units on the second level; and an additional one-bedroom, one-bath unit on the third floor. Each unit is separately metered, has its own electric panel, and an independent heating system. A large detached two-car garage and private driveway provide off-street parking, complemented by ample street parking. Three of the four units are currently occupied, offering immediate income potential. Ideal for an investor or owner-occupant looking to live in one unit while generating rental income, or to add a solid asset to their portfolio.

27. 2026-03-02
    price $305,000 671-char remark

    Show marketing remark (973 chars)

    OR BEST OFFER! Investor Opportunity! Don’t miss this rare chance to own a four-unit multifamily property in the sought-after West Arlington neighborhood of Baltimore. Situated on a generously sized lot, this property offers exceptional convenience with easy access to Metro stations, bus routes, and major commuter highways. The building features a spacious two-bedroom, two-bath unit on the first floor; two one-bedroom, one-bath units on the second level; and an additional one-bedroom, one-bath unit on the third floor. Each unit is separately metered, has its own electric panel, and an independent heating system. A large detached two-car garage and private driveway provide off-street parking, complemented by ample street parking. Three of the four units are currently occupied, offering immediate income potential. Ideal for an investor or owner-occupant looking to live in one unit while generating rental income, or to add a solid asset to their portfolio.

28. 2026-03-02
    price $305,000 973-char remark

    Show marketing remark (973 chars)

    OR BEST OFFER! Investor Opportunity! Don’t miss this rare chance to own a four-unit multifamily property in the sought-after West Arlington neighborhood of Baltimore. Situated on a generously sized lot, this property offers exceptional convenience with easy access to Metro stations, bus routes, and major commuter highways. The building features a spacious two-bedroom, two-bath unit on the first floor; two one-bedroom, one-bath units on the second level; and an additional one-bedroom, one-bath unit on the third floor. Each unit is separately metered, has its own electric panel, and an independent heating system. A large detached two-car garage and private driveway provide off-street parking, complemented by ample street parking. Three of the four units are currently occupied, offering immediate income potential. Ideal for an investor or owner-occupant looking to live in one unit while generating rental income, or to add a solid asset to their portfolio.

29. 2026-02-22
    listed $335,000 Active 671-char remark

    Show marketing remark (671 chars)

    OR BEST OFFER! Investor Opportunity! Don’t miss this rare chance to make this home in West Arlington neighborhood of Baltimore, yours. Situated on a generously sized lot, this property offers exceptional convenience with easy access to Metro stations, bus routes, and major commuter highways. With 5 Bedrooms & 5 Baths, there’s ample room for private suites throughout your home A large detached two-car garage and private driveway provide off-street parking, complemented by ample street parking. Three of the four units are currently occupied, offering immediate income potential. Ideal for an investor or owner-occupant looking for a fantastic deal!

30. 2026-02-13
    listed $335,000 Active 973-char remark

    Show marketing remark (973 chars)

    OR BEST OFFER! Investor Opportunity! Don’t miss this rare chance to own a four-unit multifamily property in the sought-after West Arlington neighborhood of Baltimore. Situated on a generously sized lot, this property offers exceptional convenience with easy access to Metro stations, bus routes, and major commuter highways. The building features a spacious two-bedroom, two-bath unit on the first floor; two one-bedroom, one-bath units on the second level; and an additional one-bedroom, one-bath unit on the third floor. Each unit is separately metered, has its own electric panel, and an independent heating system. A large detached two-car garage and private driveway provide off-street parking, complemented by ample street parking. Three of the four units are currently occupied, offering immediate income potential. Ideal for an investor or owner-occupant looking to live in one unit while generating rental income, or to add a solid asset to their portfolio.

31. 2026-02-06
    historical $335,000 973-char remark

    Show marketing remark (973 chars)

    OR BEST OFFER! Investor Opportunity! Don’t miss this rare chance to own a four-unit multifamily property in the sought-after West Arlington neighborhood of Baltimore. Situated on a generously sized lot, this property offers exceptional convenience with easy access to Metro stations, bus routes, and major commuter highways. The building features a spacious two-bedroom, two-bath unit on the first floor; two one-bedroom, one-bath units on the second level; and an additional one-bedroom, one-bath unit on the third floor. Each unit is separately metered, has its own electric panel, and an independent heating system. A large detached two-car garage and private driveway provide off-street parking, complemented by ample street parking. Three of the four units are currently occupied, offering immediate income potential. Ideal for an investor or owner-occupant looking to live in one unit while generating rental income, or to add a solid asset to their portfolio.

32. 1985-04-15
    soldstatus $48,000

ⓘ 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: $6,266 · $522/mo
• Projected year-2 tax: $6,266 · $522/mo
• Expected delta: $0/yr ($0/mo · 0.0%)

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

Climate risk First Street

• 🌊 Flood 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
• 🔥 Wildfire 1/10 Low
• 🌡 Heat 6/10 Major 7 d/yr ≥103°F today · 15 d/yr by 30 yrs out
• 💨 Wind 5/10 Major 23% chance of damaging wind over 30 yrs
• 🫁 Air quality 3/10 Moderate 3 unhealthy d/yr today · 4 by 30 yrs out

Taxation est. · year 1

• Rental income: $32,449
• − Mortgage interest: −$13,948
• − Property taxes: −$6,266
• − Insurance: −$1,245
• − Repairs & maintenance: −$2,596
• − Management: −$2,596
• − Depreciation: −$7,244
• Taxable loss: −$1,446
• Est. tax savings @ 24.0%: +$347
• After-tax cash flow: $2,801/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): 52,229
• Household income: $51,587
• Rent vs Own: 45.2% rent · 54.8% own
• Severe rent burden: 3644.0

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 (73%)
• Race & ethnicity: Black 73% White 17% Hispanic / Latino 5% Two or more races 4% Asian 1%
• Common ancestry: Scotch-Irish 2% Romanian 2% Italian 1%
• Foreign-born: 9% · Canada, South Korea
• Languages at home: 91% English-only · Spanish 4% French/Haitian/Cajun 1% 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: ▼ -318.58%
• Current HPI: 291.4926
• Rent YoY: ▲ 2.41%
• 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

+504.2% since first listed

18 events — show timeline

• 2026-05-13 Contingent — BRIGHT MLS
• 2026-05-13 Contingent — BRIGHT MLS
• 2026-05-01 Relisted — BRIGHT MLS
• 2026-05-01 Relisted — BRIGHT MLS
• 2026-04-30 Contingent — BRIGHT MLS
• 2026-04-30 Contingent — BRIGHT MLS
• 2026-04-20 Price Changed $290,000 BRIGHT MLS
• 2026-04-20 Price Changed $290,000 BRIGHT MLS
• 2026-03-31 Price Changed $305,000 BRIGHT MLS
• 2026-03-31 Price Changed $305,000 BRIGHT MLS
• 2026-03-02 Price Changed $310,000 BRIGHT MLS
• 2026-03-02 Price Changed $310,000 BRIGHT MLS
• 2026-03-02 Price Changed $305,000 BRIGHT MLS
• 2026-03-02 Price Changed $305,000 BRIGHT MLS
• 2026-02-22 Listed $335,000 BRIGHT MLS
• 2026-02-13 Listed $335,000 BRIGHT MLS
• 2026-02-06 Coming Soon $335,000 BRIGHT MLS
• 1985-04-15 Sold (Public Records) $48,000 Public Records

Property tax history

+4.7%/yr

Latest (2025): $6,266 · +7.2% YoY. Source: county tax records.