4745 Duffield Rd · Waldorf, MD 20695

$325,000

4 bd · 2.0 ba · 2,016 sqft · SingleFamily public records · 14 Days on market

Built 1967 0.73 ac lot $161/sqft · 27% below area Est $447k · 27% 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 +21.1/30.0
• ARV discount +15.0/15.0
• DSCR +6.7/10.0
• 1% rule +5.3/10.0
• Livability +3.6/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Schools +2.3/10.0
• Appreciation +0.0/10.0

Listing remarks

Welcome to White Plains Village Subdivision. This spacious home features a large family room, formal dining area, and a kitchen equipped with a wall oven. The main level bedrooms are generously sized, while the lower level offers a private in-law suite complete with its own family room, full kitchen, bedroom, and full bath—ideal for guests or multi-generational living. The suite enjoys its own entrance, providing both privacy and easy accessibility. Situated on a sizable lot, the property is perfect for future expansion, whether you envision building an addition, creating a backyard oasis, or adding outdoor entertaining spaces. Recent updates include a new roof, HVAC system and fresh

Key facts

• Private in-law suite
• Large family room
• Full kitchen

Tags

• LARGE FAMILY ROOM
• FORMAL DINING AREA
• PRIVATE IN-LAW SUITE
• FULL KITCHEN
• OWN ENTRANCE
• SIZABLE LOT

Property features AI

Exterior

• Parking: Attached carport (2 spaces); Two total garage/parking spaces
• Utilities: Electric service available; Private well water; Private septic tank
• Home design: Detached property
• Construction: Brick and vinyl siding exterior; Concrete perimeter foundation; Shingle roof; Building not winterized; Year built (assessor)
• Exterior features: No tidal water; Above-grade and below-grade structures

Interior

• Kitchen: Refrigerator; Wall oven; Stove
• Bedrooms: Three bedrooms on the main level; One bedroom on the lower level
• Bathrooms: Two full bathrooms on the main level; One full bathroom on the lower level; Three full bathrooms total
• Heating & cooling: Heat pump(s); Oil-fired heating; Central air conditioning; Ceiling fans for cooling; Hot water provided by natural gas
• Interior features: Ceiling fans; Traditional floor plan; Formal separate dining room; Eat-in kitchen; Master bathroom; Tub with shower; Walk-in shower; Fully finished basement; Has fireplace (1)

What this means for you Summary

Snapshot

• This is a 4-bed/2.0-bath single-family listed at $325k.

Deal economics

• At list price, monthly cash flow is $464 ($6k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($3k rent vs $325k).
• Cap rate 8.0% vs local median 4.8% in Waldorf — 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 72/100 on livability (#141 in MD) — a middle-class / working-renter tenant base. Strengths: commute A+, employment A+, housing A+; Watch: crime D-, amenities F, cost of living F.
• 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.
• Zoned schools: Dr. Gustavus Brown Elementary (math 2% / reading 12%, grade F, #699 of 860 statewide, top 84%, 413 students, 73% FRL); Milton M. Somers Middle School (math 15% / reading 36%, grade F, #97 of 225 statewide, top 46%, 666 students, 39% FRL); St. Charles High School (math 26% / reading 41%, grade F, #148 of 222 statewide, top 67%, 1,569 students, 48% FRL) — zoned schools average 53% FRL vs 28% district-wide (26 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Market conditions: 245 active listings in the ZIP; 10 comparable units currently listed for rent nearby; rentals lingering (median 46d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 50% of comp listings sitting > 30 days — soft ceiling on asking rent; high-income renter base; 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

• Only 14 days on market — expect competitive offers; lowballing is unlikely to land.
• 2 sale attempts; this cycle's ask has dropped $95k (23%) from the opening price — seller is motivated, your offer sets the floor, not the list.
• Current owner paid $68k; list at $325k implies a 374% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Climate carrying-cost: moderate wind risk, 25% chance of damaging wind over 30y; extreme-heat days projected 7→17/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $325,000

Questions for the listing agent

1. Built in 1967 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
2. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
3. 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?
4. 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?
5. 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.
6. 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.
7. 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: 1.03% ✓
• Cap rate: 8.01%
• Cash-on-cash: 6.11%
• DSCR: 1.27
• GRM: 8.1

CMA / ARV

• ARV (median comp): $447,079
• List price: $325,000
• Delta: -27.31%
• 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
10526 Willetts Crossing Rd	0.19mi	4/2.5	2,222 (+10%)	7mo	$507,900	$229	66
10155 Dogwood Dr	0.53mi	3/2.0 (-1)	2,008 (-0%)	5mo	$383,000	$191	65
4785 Ford Ct	0.59mi	3/2.0 (-1)	2,016 (0%)	4mo	$445,000	$221	64
10225 Dogwood Dr	0.43mi	3/2.0 (-1)	1,914 (-5%)	8mo	$430,500	$225	60
10205 Ford Ter	0.66mi	4/2.0	1,848 (-8%)	1mo	$370,000	$200	55
5100 Crisfield Manor Ct	0.51mi	3/2.0 (-1)	1,860 (-8%)	7mo	$545,000	$293	52
10185 Marshall Corner Rd	0.51mi	3/3.0 (-1)	2,240 (+11%)	4mo	$515,000	$230	45
10170 Dogwood Dr	0.54mi	3/2.5 (-1)	1,876 (-7%)	15mo	$405,000	$216	44

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: -6.9%
• Equity multiple: 0.75×
• Total profit: $-23,127
• Equity at exit: $48,459

10-year hold

• IRR: 2.7%
• Equity multiple: 1.20×
• Total profit: $17,907
• 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 20695

• Home prices YoY: -5.3%
• Active inventory: 245
• Price-to-rent: 8.1×

Monthly cashflow live

• Estimated rent: $3,335 high
• Mortgage (P&I): −$1,704
• Tax from tax record: −$331 /mo · $3,976/yr
• Insurance: −$135
• HOA: −$0
• Vacancy / Maint / Mgmt: −$700
• Net cashflow: $464

Break-even live

Break-even rent $2,748

Max offer price $325,000

Occupancy floor 81%

Sensitivity live

Price	-10% $648	-5% $556	+0% $464	+5% $372	+10% $280
Rent	-10% $200	-5% $332	+0% $464	+5% $595	+10% $727
Rate	-1.0pp $627	-0.5pp $546	base $464	+0.5pp $379	+1.0pp $294

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 10 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
10605 Willetts Crossing Rd White Plains, MD	4.0	1.0	1514	$2,390	$1.58	46d	1	0.41mi
4151 Skipton Pl White Plains, MD	3.0	2.5	2544	$3,200	$1.26	46d	1	0.81mi
5527 Aberdeen Pl White Plains, MD	3.0	4.0	1880	$3,000	$1.60	1d	1	1.17mi
5527 Aberdeen Pl White Plains, MD	3.0	4.0	1880	$3,000	$1.60	15d	1	1.17mi
10930 W Point Pl White Plains, MD	4.0	3.5	2171	$2,979	$1.37	46d	1	1.18mi
10626 Roundstone Ln White Plains, MD	3.0	3.5	2736	$3,800	$1.39	46d	1	1.21mi
10893 Drummond Pl White Plains, MD	3.0	2.5	2192	$3,250	$1.48	24d	1	1.26mi
10933 Drummond Pl Unit 10933 White Plains, MD	3.0	3.0	2300	$3,500	$1.52	7d	1	1.28mi
10939 Drummond Pl White Plains, MD	3.0	2.5	2192	$3,500	$1.60	26d	1	1.29mi
10763 Esprit Pl White Plains, MD	4.0	3.5	2016	$2,800	$1.39	46d	1	1.31mi

Listing history 8 events

1. 2026-06-15
   status $325,000 Pending 14 DOM
2. 2026-05-18
   historical Active Under Contract 1033-char remark
3. 2026-05-09
   status Active 1033-char remark
4. 2026-05-09
   historical Active Under Contract 1033-char remark
5. 2026-05-06
   price $325,000 1033-char remark
6. 2026-05-04
   listed $420,000 Active 1033-char remark
7. 1990-02-26
   soldstatus $68,500
8. 1983-08-31
   soldstatus $68,500

ⓘ 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: $3,976 · $331/mo
• Projected year-2 tax: $3,976 · $331/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 3/10 Moderate
• 🌡 Heat 8/10 Severe 7 d/yr ≥102°F today · 17 d/yr by 30 yrs out
• 💨 Wind 5/10 Major 25% 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: $40,022
• − Mortgage interest: −$18,205
• − Property taxes: −$3,976
• − Insurance: −$1,625
• − Repairs & maintenance: −$3,202
• − Management: −$3,202
• − Depreciation: −$9,455
• Taxable income: $358
• Est. tax owed @ 24.0%: −$86
• After-tax cash flow: $5,478/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 — Waldorf

• Score: 72/100
• State rank: #141
• US rank: #6083

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Waldorf, MD
• County: Charles County · 103,527 people
• City population: 103,527
• Metro: Washington-Arlington-Alexandria, DC-VA-MD-WV
• Population (ZIP): 16,407
• Household income: $141,959
• Rent vs Own: 12.8% rent · 87.2% own
• Severe rent burden: 311.0

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 0.58)
• Race & ethnicity: Black 61% White 23% Two or more races 9% Hispanic / Latino 4% Asian 2%
• Common ancestry: Slovak 1% Italian 1% Lithuanian 1%
• Foreign-born: 9% · Canada, South Korea
• Languages at home: 91% English-only · Spanish 4% Tagalog/Filipino 1% French/Haitian/Cajun 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: ▼ -12.63%
• Current HPI: 226.972
• Rent YoY: —
• Metro: Washington-Arlington-Alexandria, DC-VA-MD-WV
• 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

+374.5% since first listed

8 events — show timeline

• 2026-06-14 Pending — BRIGHT MLS
• 2026-05-18 Contingent — BRIGHT MLS
• 2026-05-09 Relisted — BRIGHT MLS
• 2026-05-09 Contingent — BRIGHT MLS
• 2026-05-06 Price Changed $325,000 BRIGHT MLS
• 2026-05-04 Listed $420,000 BRIGHT MLS
• 1990-02-26 Sold (Public Records) $68,500 Public Records
• 1983-08-31 Sold (Public Records) $68,500 Public Records

Property tax history

+3.2%/yr

Latest (2025): $3,976 · +11.1% YoY. Source: county tax records.