5861 Oakdale Village Rd · Linganore, MD 21754

$799,990

5 bd · 4.5 ba · 3,380 sqft · SingleFamily public records · 13 Days on market

Built 2018 5,400 sqft lot Est $662k · 21% over $84/mo HOA · 2% of rent

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Why this score? — see what drove the F 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 +5.2/30.0
• Schools +3.4/10.0
• Livability +3.2/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• 1% rule +0.3/10.0
• DSCR +0.0/10.0
• ARV discount +0.0/15.0
• Appreciation +0.0/10.0

Listing remarks MLS

Contemporary Salinger floor plan built to customer's specifications. Featuring over 3,000 sq. ft. 2 car rear attached garage, 5 bedrooms, 4.5 baths, gourmet kitchen, stainless steel appliances, granite counter tops, hardwood throughout entire main level. Images Shown Are Representative Only.

Key facts

• 5,400 sq ft lot
• 2 garage spots
• Built 2018

Property features AI

Finance

• Other: Irrigation water rights; Below-grade finished area approximately 1,200 (finished basement ~95%); Above-grade finished area approximately 3,380
• HOA & community: HOA fee of $84 per month; HOA includes trash and snow removal; Community amenities include bike trail, common grounds, jogging/walking path, and playgrounds

Exterior

• Parking: Rear-entry attached garage with 2 garage spaces; Asphalt driveway with 2 driveway spaces; 3 off-street spaces; Total of 7 garage and parking spaces
• Utilities: Public water; Public sewer; Underground utilities
• Home design: Detached home; Excellent property condition; Built by RYAN HOMES; Shingle roof; Not in a federal flood zone; Fee simple ownership
• Construction: Frame construction; Concrete perimeter foundation; Double-pane insulated vinyl-clad windows with screens; Year built (source: assessor)
• Exterior features: Porch(es); Sidewalks; Landscaping; Above-grade and below-grade outdoor structures

Interior

• Kitchen: Dishwasher; Disposal; Icemaker; Microwave; Self-cleaning oven; Cooktop; Wall oven; Refrigerator; Water dispenser
• Bedrooms: Five bedrooms on the upper level
• Bathrooms: Four full bathrooms; One half bathroom; Three full bathrooms on the main upper level; One full bathroom on lower level
• Heating & cooling: Forced air heating; Natural gas heating fuel; Central air conditioning; Electric cooling fuel; Tankless natural gas hot water
• Interior features: Open floor plan with family room off the kitchen; Kitchen with table/breakfast area; Dining area; Upgraded countertops; 9'+ ceilings; Drywall walls and ceilings; Insulated doors
• Laundry & utility: Washer; Dryer

What this means for you Summary

Snapshot

• This is a 5-bed/4.5-bath single-family listed at $800k.

Deal economics

• At list price, monthly cash flow is $-2k ($-22k/yr) — negative.
• To cash-flow at today's rent, offer at most $477k (40.4% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $426k (46.8% below list).
• Recommended offer: $426k (46.8% below list) — sets the bar for 1% rule.

Location & tenants

• Location reads 65/100 on livability (#257 in MD) — a middle-class / working-renter tenant base. Strengths: employment A+, housing A+, crime B+; Watch: amenities F, commute F, cost of living F.
• Frederick County Public Schools (other): math 27% / reading 43% proficiency, ranked #4 of 24 in MD (top 17%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Zoned schools: Oakdale Elementary (math 39% / reading 43%, grade F, #92 of 860 statewide, top 11%, 1,028 students, 16% FRL); Oakdale Middle (math 24% / reading 58%, grade F, #20 of 225 statewide, top 10%, 1,057 students, 11% FRL); Oakdale High (math 77% / reading 87%, grade A, #15 of 222 statewide, top 6%, 1,622 students, 14% FRL).
• Zoned-school proficiency averages 55% at this address vs 35% district-wide (+20 pts) — the actual schools serving this property are materially stronger than the Frederick County Public Schools average implies; a family-tenant draw the district grade alone would hide.
• Market conditions: 48 active listings in the ZIP; 7 comparable units currently listed for rent nearby; rentals at typical pace (median 15d on market — plan ~3-4 weeks tenant-placement turnaround); 1,562 units permitted in Frederick County in 2024 (374 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $6k of loan paydown is wiped out by about $24k of value loss. Plan a longer hold.
• Frederick County population projected at +15% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.

Negotiation context

• Only 13 days on market — expect competitive offers; lowballing is unlikely to land.
• 4 sale attempts since 9y ago; this cycle's ask is 67% above the opening price — seller raised mid-cycle; expect resistance to lowballs.
• Current owner paid $479k; list at $800k implies a 67% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Climate carrying-cost: extreme-heat days projected 7→16/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $425,699 (46.8% 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. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. Schools are A-rated — typically a magnet for longer-tenancy family renters. What's the average tenant stay here, and is there a school-zone premium baked into asking?
5. 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?
6. What's the average days-on-market for RENTAL listings here right now (not sales)? A rising rental-DOM trend means longer vacancies and softer asking-rent achievability than the comps imply.
7. What's the recent tenant-quality profile in this submarket — average credit score on applications, eviction rate, late-payment / NSF rate, and stable-employment percentage? A property-management company in the area should have these aggregated.
8. How much new for-sale + rental construction is in the pipeline within 1–3 miles? Heavy new supply typically softens prices + rents 12–24 months out; constrained supply supports both.

Investment metrics

• 1% rule: 0.53% ✗
• Cap rate: 3.55%
• Cash-on-cash: -9.80%
• DSCR: 0.56
• GRM: 15.7

CMA / ARV

• ARV (on-the-fly): $662,480
• Comps found: 3

Show comp detail 3 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
5721 Meyer Ave	0.67mi	4/3.0 (-1)	3,578 (+6%)	6mo	$700,000	$196	43
5631 Jordan Blvd	0.61mi	4/2.5 (-1)	3,536 (+5%)	11mo	$700,000	$198	42
5933 Yeagertown Rd	0.72mi	6/3.5 (+1)	3,728 (+10%)	2mo	$714,000	$192	38

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: -33.9%
• Equity multiple: -0.10×
• Total profit: $-246,254
• Equity at exit: $119,281

10-year hold

• IRR: -42.7%
• Equity multiple: -0.63×
• Total profit: $-364,997
• Equity at exit: $69,169

Cash invested: $223,997 (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 21754

• Home prices YoY: -27.5%
• Active inventory: 48
• Price-to-rent: 15.7×

Monthly cashflow live

• Estimated rent: $4,257 high
• Mortgage (P&I): −$4,195
• Tax from tax record: −$579 /mo · $6,951/yr
• Insurance: −$333
• HOA: −$84
• Vacancy / Maint / Mgmt: −$894
• Net cashflow: $-1,829

Break-even live

Break-even rent $6,572

Max offer price $476,922

Occupancy floor —

Sensitivity live

Price	-10% $-1,376	-5% $-1,602	+0% $-1,829	+5% $-2,055	+10% $-2,282
Rent	-10% $-2,165	-5% $-1,997	+0% $-1,829	+5% $-1,661	+10% $-1,493
Rate	-1.0pp $-1,426	-0.5pp $-1,625	base $-1,829	+0.5pp $-2,036	+1.0pp $-2,247

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: $199,998
• Closing costs: $24,000
• Reserves months: —
• Total cash needed: —

Rent comps 7 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
5951 Eaglehead Dr New Market, MD	4.0	3.5	2800	$4,100	$1.46	26d	1	0.40mi
6032 Goshawk St New Market, MD	5.0	4.5	2900	$3,600	$1.24	7d	1	0.43mi
6042 Fallfish Ct New Market, MD	4.0	3.5	2420	$3,300	$1.36	46d	1	0.51mi
6242 Walleye Pl New Market, MD	4.0	4.5	4636	$7,500	$1.62	24d	1	0.52mi
5927 Pecking Stone St New Market, MD	4.0	3.5	2280	$3,100	$1.36	14d	1	0.53mi
6348 Quinn Rd Frederick, MD	4.0	3.5	2708	$4,400	$1.62	7d	1	1.22mi
6430 Bellevue Pl Frederick, MD	5.0	3.5	3950	$4,000	$1.01	7d	1	1.40mi

HOA detail

• Monthly dues: $84 · $1,008/yr

Listing history 10 events

1. 2026-06-22
   days on market $799,990 Coming Soon 13 DOM
2. 2026-06-21
   days on market $799,990 Coming Soon 12 DOM
3. 2026-06-18
   days on market $799,990 Coming Soon 9 DOM
4. 2026-06-17
   days on market $799,990 Coming Soon 8 DOM
5. 2026-06-16
   days on market $799,990 Coming Soon 7 DOM
6. 2026-06-15
   days on market $799,990 Coming Soon 6 DOM
7. 2026-06-13
   days on market $799,990 Coming Soon 4 DOM
8. 2026-06-13
   days on market $799,990 Coming Soon 3 DOM
9. 2026-06-10
   remarks 699-char remark
10. 2026-06-10
    listed $799,990 Coming Soon 1 DOM

ⓘ 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: $6,951 · $579/mo
• Projected year-2 tax: $7,836 · $653/mo
• Expected delta: +$884/yr (+$74/mo · 12.7%)

ⓘ 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 · 16 d/yr by 30 yrs out
• 💨 Wind 4/10 Moderate 8% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 1 unhealthy d/yr today · 1 by 30 yrs out

Taxation est. · year 1

• Rental income: $51,084
• − Mortgage interest: −$44,812
• − Property taxes: −$6,951
• − Insurance: −$4,000
• − Repairs & maintenance: −$4,087
• − Management: −$4,087
• − HOA: −$1,008
• − Depreciation: −$23,272
• Taxable loss: −$37,133
• Est. tax savings @ 24.0%: +$8,912
• After-tax cash flow: $-13,034/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: Frederick County Public Schools
• NCES district ID: 2400330
• Math proficiency: 27% ▼ -23.00%
• Reading proficiency: 43% ▼ -15.00%
• Median HH income: $84,020
• Composite: 33.54/100
• National rank: #5429
• State rank: #4 of 24 in MD

Livability — Linganore

• Score: 65/100
• State rank: #257
• US rank: #13191

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Linganore, MD
• City population: 16,515
• Population (ZIP): 7,439

Population outlook (Frederick County) Hauer SSP2

• Today (2025): 269,438 people
• By 2030: 280,160 · +4.0%
• By 2040: 298,408 · +10.8%
• By 2050: 311,062 · +15.4%
• By 2075: 342,819 · +27.2%
• By 2100: 351,361 · +30.4%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (73%)
• Race & ethnicity: White 73% Hispanic / Latino 11% Two or more races 9% Asian 8% Black 5%
• Hispanic origin (detail): Mexican 2% Puerto Rican 2%
• Common ancestry: Romanian 5% Scotch-Irish 2% Lithuanian 2%
• Foreign-born: 11% · Canada, Jamaica, South Korea
• Languages at home: 83% English-only · Spanish 7% Other Indo-European 2% Russian/Polish/Slavic 2%

Political lean MEDSL · Frederick

• 2024 margin: Lean D (+8.8) · D 53.2% · R 44.4% · Other 2.5%
• 2008→2024 swing: +9.9pp toward D · 2008: -1.0pp · 2024: 8.8pp
• All cycles: 2024: D+8.8 2020: D+9.6 2016: R+4.0 2012: R+3.9 2008: R+1.0

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -107.25%
• Current HPI: 283.0295
• 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

+82.2% since first listed

15 events — show timeline

• 2026-06-09 Coming Soon $799,990 BRIGHT MLS
• 2018-04-13 Sold (MLS) $478,553 MRIS
• 2018-04-13 Sold (MLS) $478,553 BRIGHT MLS
• 2018-03-06 Listing Removed — BRIGHT MLS
• 2018-03-04 Delisted — MRIS
• 2018-01-04 Sold (Public Records) $253,764 Public Records
• 2017-10-25 Sold (Public Records) $392,704 Public Records
• 2017-10-24 Price Changed — MRIS
• 2017-10-18 Price Changed — MRIS
• 2017-09-28 Listed $478,553 MRIS
• 2017-09-28 Delisted — MRIS
• 2017-09-28 Listed $478,553 BRIGHT MLS
• 2017-09-28 Listing Removed — BRIGHT MLS
• 2017-07-10 Listed — MRIS
• 2017-07-10 Listed $439,000 BRIGHT MLS

Property tax history

+34.8%/yr

Latest (2025): $6,951 · +6.7% YoY. Source: county tax records.