3362 Lox St · Bryans Road, MD 20640

$325,000

3 bd · 1.5 ba · 1,320 sqft · SingleFamily public records · 42 Days on market

Built 1998 6,812 sqft lot $246/sqft · at area comps Est $335k · at est. $33/mo HOA · 1% of rent

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Why this score? — see what drove the D- grade

The composite is a weighted blend of 9 inputs, each scored 0–100. Each bar is that input's sub-score; the figure is the points it added to the 100-point composite (weight × sub-score).

• Cash flow +12.9/30.0
• ARV discount +8.8/15.0
• DSCR +3.9/10.0
• 1% rule +3.3/10.0
• 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

OPEN HOUSE:MAY 18,2008. 12-4pm!! THIS CHARMING 3 BEDROOM COLONIAL HAS WONDERFULLY MAINTAINED. SOME OF ITS FEATURES INCLUDE CERAMIC TILE, FRESH PAINT, A BRICK PATIO, A FULLY FENCED REAR YARD AND SOME GREAT LANDSCAPING. NOT TO MENTION A DOUBLE DRIVEWAY THAT PARKS 4! GOOD LOCATION FOR COMMUTING, EASY ACCESS TO BELTWAY. GREAT STARTER HOME!

Key facts

• Detached home
• Single-family home
• 6,812 sq ft lot

Tags

• SINGLE-FAMILY HOME
• DETACHED HOME

Property features AI

Finance

• HOA & community: HOA fee $400 annually

Exterior

• Parking: Asphalt driveway with 2 driveway spaces; Off-street parking (total 2 garage/parking spaces)
• Utilities: Public water; Public sewer; Electric heating and cooling systems; Natural gas for hot water
• Home design: Detached structure; Fee simple ownership; Property in average condition; Not in a federal flood zone
• Construction: Vinyl siding; Other foundation
• Exterior features: Rear fencing; Patio(s)

Interior

• Bedrooms: 3 bedrooms on the upper level
• Flooring: Carpet
• Bathrooms: 1 full bathroom on the upper level; 1 half bathroom on the main level
• Heating & cooling: Heat pump(s) heating; Central air conditioning (electric)
• Interior features: Combination dining/living area; Window treatments
• Laundry & utility: Washer/dryer hookups only; Natural gas hot water

What this means for you Summary

Snapshot

• This is a 3-bed/1.5-bath single-family listed at $325k.

Deal economics

• At list price, monthly cash flow is $-23 ($-276/yr) — negative.
• To cash-flow at today's rent, offer at most $321k (1.2% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $270k (16.9% below list).
• Recommended offer: $270k (16.9% below list) — sets the bar for 1% rule.
• Cap rate 6.2% vs local median 4.2% in Bryans Road — 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 62/100 on livability (#315 in MD) — a middle-class / working-renter tenant base. Strengths: employment A+, housing A+; Watch: crime D+, cost of living D+, schools D.
• Charles County Public Schools (suburban): math 13% / reading 29% proficiency, ranked #14 of 24 in MD (top 58%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover.
• Market conditions: 59 active listings in the ZIP; 1 comparable units currently listed for rent nearby; 1,542 units permitted in Charles County in 2024 (516 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $2k of loan paydown is wiped out by about $10k of value loss. Plan a longer hold.
• Charles County population projected at +27% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.

Negotiation context

• It's been on market 42 days — a 3% lower offer ($315k) is reasonable based on typical stale-listing flexibility.
• 3 sale attempts since 21y ago with the ask held roughly flat each time — persistent listings suggest the price (not the market) is what's stuck; bring a comps-based counter.
• Current owner paid $259k; 26% above their basis — modest negotiation headroom, anchor on the comps not their cost.

Risks & watch-outs

• Climate carrying-cost: moderate wind risk, 22% 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 $270,000 (16.9% 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 42 days. Have you received any prior offers? Is the seller open to a 17% concession, seller financing, or rate buy-down credit?
3. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
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 D 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. The area grade is low — what's the realistic commute time and amenity access for the typical tenant pool here? Any planned neighborhood developments (good or bad) we should know about?
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: 0.83% ✗
• Cap rate: 6.21%
• Cash-on-cash: -0.30%
• DSCR: 0.99
• GRM: 10.0

CMA / ARV

• ARV (median comp): $334,619
• List price: $325,000
• Delta: -2.87%
• Verdict: FAIR
• Comps: 20 within 1.0 mi

Show comp detail 5 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
3394 Lox St	0.08mi	3/1.5	1,128 (-14%)	7mo	$343,000	$304	66
3808 Glem Ct	0.16mi	3/1.5	1,176 (-11%)	11mo	$278,000	$236	65
3605 Dewey Ct	0.18mi	3/1.5	1,176 (-11%)	14mo	$300,000	$255	62
6799 Amherst Rd	0.67mi	3/1.0	1,248 (-6%)	11mo	$360,000	$288	49
3210 Green Mdws	0.72mi	3/2.0	1,503 (+14%)	3mo	$405,000	$269	39

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

Projected returns pro-forma

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

5-year hold

• IRR: -16.8%
• Equity multiple: 0.41×
• Total profit: $-54,142
• Equity at exit: $48,459

10-year hold

• IRR: -8.7%
• Equity multiple: 0.46×
• Total profit: $-49,090
• Equity at exit: $28,100

Cash invested: $91,000 (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 20640

• Home prices YoY: -6.0%
• Active inventory: 59
• Price-to-rent: 10.0×

Monthly cashflow live

• Estimated rent: $2,700 medium
• Mortgage (P&I): −$1,704
• Tax from tax record: −$283 /mo · $3,399/yr
• Insurance: −$135
• HOA: −$33
• Vacancy / Maint / Mgmt: −$567
• Net cashflow: $-23

Break-even live

Break-even rent $2,729

Max offer price $320,941

Occupancy floor 96%

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: $81,250
• Closing costs: $9,750
• Reserves months: —
• Total cash needed: —

Rent comps 1 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
6743 Amherst Rd Bryans Road, MD	4.0	2.0	1714	$2,700	$1.58	20d	1	0.87mi

HOA detail

• Monthly dues: $33 · $396/yr
• Likely covers: landscaping

Listing history 22 events

1. 2026-06-18
   days on market $325,000 Active 42 DOM
2. 2026-06-17
   days on market $325,000 Active 41 DOM
3. 2026-06-16
   days on market $325,000 Active 40 DOM
4. 2026-06-15
   days on market $325,000 Active 39 DOM
5. 2026-06-13
   days on market $325,000 Active 37 DOM
6. 2026-06-09
   days on market $325,000 Active 33 DOM
7. 2026-06-08
   days on market $325,000 Active 32 DOM
8. 2026-06-07
   days on market $325,000 Active 31 DOM
9. 2026-06-04
   days on market $325,000 Active 28 DOM
10. 2026-06-03
    days on market $325,000 Active 27 DOM
11. 2026-06-02
    days on market $325,000 Active 26 DOM
12. 2026-06-01
    days on market $325,000 Active 25 DOM
13. 2026-05-31
    days on market $325,000 Active 24 DOM
14. 2026-05-07
    listed $325,000 Active 405-char remark
15. 2008-08-19
    soldstatus $258,590
16. 2008-06-27
    soldstatus $258,259 337-char remark

    Show marketing remark (337 chars)

    OPEN HOUSE:MAY 18,2008. 12-4pm!! THIS CHARMING 3 BEDROOM COLONIAL HAS WONDERFULLY MAINTAINED. SOME OF ITS FEATURES INCLUDE CERAMIC TILE, FRESH PAINT, A BRICK PATIO, A FULLY FENCED REAR YARD AND SOME GREAT LANDSCAPING. NOT TO MENTION A DOUBLE DRIVEWAY THAT PARKS 4! GOOD LOCATION FOR COMMUTING, EASY ACCESS TO BELTWAY. GREAT STARTER HOME!

17. 2008-05-29
    historical 337-char remark

    Show marketing remark (337 chars)

    OPEN HOUSE:MAY 18,2008. 12-4pm!! THIS CHARMING 3 BEDROOM COLONIAL HAS WONDERFULLY MAINTAINED. SOME OF ITS FEATURES INCLUDE CERAMIC TILE, FRESH PAINT, A BRICK PATIO, A FULLY FENCED REAR YARD AND SOME GREAT LANDSCAPING. NOT TO MENTION A DOUBLE DRIVEWAY THAT PARKS 4! GOOD LOCATION FOR COMMUTING, EASY ACCESS TO BELTWAY. GREAT STARTER HOME!

18. 2008-03-14
    listed $258,590 337-char remark

    Show marketing remark (337 chars)

    OPEN HOUSE:MAY 18,2008. 12-4pm!! THIS CHARMING 3 BEDROOM COLONIAL HAS WONDERFULLY MAINTAINED. SOME OF ITS FEATURES INCLUDE CERAMIC TILE, FRESH PAINT, A BRICK PATIO, A FULLY FENCED REAR YARD AND SOME GREAT LANDSCAPING. NOT TO MENTION A DOUBLE DRIVEWAY THAT PARKS 4! GOOD LOCATION FOR COMMUTING, EASY ACCESS TO BELTWAY. GREAT STARTER HOME!

19. 2005-04-27
    soldstatus $227,500
20. 2005-04-18
    soldstatus $227,500

    Show marketing remark (153 chars)

    This two story colonial shows great. Clean as a pin. Great location. Easy access to beltway , Washington, all military bases, shopping and entertainment.

21. 2005-03-06
    historical

    Show marketing remark (153 chars)

    This two story colonial shows great. Clean as a pin. Great location. Easy access to beltway , Washington, all military bases, shopping and entertainment.

22. 2005-03-04
    listed $225,000

    Show marketing remark (153 chars)

    This two story colonial shows great. Clean as a pin. Great location. Easy access to beltway , Washington, all military bases, shopping and entertainment.

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

Tax reassessment forecast MD · Partial reset (capped growth)

• Current annual tax: $3,399 · $283/mo
• Projected year-2 tax: $3,471 · $289/mo
• Expected delta: +$72/yr (+$6/mo · 2.1%)

ⓘ 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 4/10 Moderate
• 🌡 Heat 8/10 Severe 7 d/yr ≥103°F today · 16 d/yr by 30 yrs out
• 💨 Wind 5/10 Major 22% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 1 unhealthy d/yr today · 2 by 30 yrs out

Taxation est. · year 1

• Rental income: $32,400
• − Mortgage interest: −$18,205
• − Property taxes: −$3,399
• − Insurance: −$1,625
• − Repairs & maintenance: −$2,592
• − Management: −$2,592
• − HOA: −$396
• − Depreciation: −$9,455
• Taxable loss: −$5,863
• Est. tax savings @ 24.0%: +$1,407
• After-tax cash flow: $1,131/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: Charles County Public Schools
• NCES district ID: 2400270
• Math proficiency: 13% ▼ -19.00%
• Reading proficiency: 29% ▼ -13.00%
• Median HH income: $90,389
• Composite: 22.54/100
• National rank: #8087
• State rank: #14 of 24 in MD

Livability — Bryans Road

• Score: 62/100
• State rank: #315
• US rank: #16395

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Bryans Road, MD
• Population (ZIP): 10,254

Population outlook (Charles County) Hauer SSP2

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

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Diverse neighborhood (Simpson 0.62)
• Race & ethnicity: Black 51% White 35% Two or more races 8% Hispanic / Latino 6% Asian 2%
• Hispanic origin (detail): Mexican 2%
• Common ancestry: Iranian 1% Romanian 1% Italian 1%
• Foreign-born: 5% · Canada, Vietnam, China
• Languages at home: 94% English-only · Spanish 2% Other Indo-European 1% German/W. Germanic 1%

Political lean MEDSL · Charles

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

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -15.36%
• Current HPI: 238.7767
• 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

+44.4% since first listed

9 events — show timeline

• 2026-05-07 Listed $325,000 BRIGHT MLS
• 2008-08-19 Sold (Public Records) $258,590 Public Records
• 2008-06-27 Sold (MLS) $258,259 MRIS
• 2008-05-29 Delisted — MRIS
• 2008-03-14 Listed $258,590 MRIS
• 2005-04-27 Sold (Public Records) $227,500 Public Records
• 2005-04-18 Sold (MLS) $227,500 MRIS
• 2005-03-06 Delisted — MRIS
• 2005-03-04 Listed $225,000 MRIS

Property tax history

+3.0%/yr

Latest (2025): $3,399 · +6.5% YoY. Source: county tax records.