25828 Old Hundred Rd · Green Valley, MD 20842

$434,500

4 bd · 2.0 ba · 1,360 sqft · SingleFamily public records · 34 Days on market

Built 1946 9,900 sqft lot $319/sqft · at area comps Est $518k · 16% under

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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).

• ARV discount +14.8/15.0
• Cash flow +11.4/30.0
• Schools +3.6/10.0
• DSCR +3.3/10.0
• 1% rule +2.7/10.0
• Rent growth +2.5/5.0
• Livability +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Welcome home to this beautiful four-bedroom, two-full bath Cape Cod-style home nestled along Old Hundred Road in Dickerson, Maryland. Upon entry, immediately notice the open bright living room, freshly painted in modern colors. Hardwood flooring throughout the main level and LVP on the lower level. The kitchen features stainless steel appliances, ceramic tile flooring, and gorgeous wood cabinets. The lower level includes a recreation room, two additional bedrooms, and a bath with a stair walkout to the backyard. Neighborhood amenities include a 12-minute drive to Clarksburg Premium Outlets and a 20-minute drive to downtown Frederick. Find comfort and adventure in this hidden gem.

Key facts

• 9,900 sq ft lot
• Built 1946
• Listed 33 days

Property features AI

Exterior

• Parking: Driveway
• Utilities: Well water; Public sewer; Electric power
• Home design: Detached property; Year built per assessor
• Construction: Vinyl siding; Other foundation
• Exterior features: Porch(es); Property backs to trees / wooded setting

Interior

• Kitchen: Built-in microwave; Cooktop; Electric oven/range; Dishwasher; Disposal; Refrigerator; Stainless steel appliances
• Bedrooms: Two main-level bedrooms; Two bedrooms on the lower level
• Flooring: Ceramic tile
• Bathrooms: One full bath on the main level; One full bath on the lower level (total 2 full bathrooms)
• Heating & cooling: Heat pump(s); Central air; Electric heating and cooling; Hot water: Electric and oil
• Interior features: Attic; Entry-level bedroom; Galley kitchen; Stall shower; Tub/shower combination; Drywall walls and ceilings; Fully finished basement
• Laundry & utility: Washer; Dryer

What this means for you Summary

Snapshot

• This is a 4-bed/2.0-bath single-family listed at $434k.

Deal economics

• At list price, monthly cash flow is $-155 ($-2k/yr) — negative.
• To cash-flow at today's rent, offer at most $407k (6.3% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $337k (22.5% below list).
• Recommended offer: $337k (22.5% below list) — sets the bar for 1% rule.
• Cap rate 5.9% vs local median 2.7% in Green Valley — 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: area grade D — affects rentability + tenant quality, not the cash-flow math above.
• Montgomery County Public Schools (suburban): math 27% / reading 45% proficiency, ranked #3 of 24 in MD (top 12%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: 16 active listings in the ZIP; 3,880 units permitted in Montgomery County in 2024 (2,054 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $3k of loan paydown is wiped out by about $13k of value loss. Plan a longer hold.
• Montgomery 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 34 days — a 3% lower offer ($421k) is reasonable based on typical stale-listing flexibility.
• 18 sale attempts since 28y 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.

Risks & watch-outs

• Watch-outs: built in 1946 — expect roof / HVAC / electrical / plumbing capex.
• 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 $336,578 (22.5% 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 34 days. Have you received any prior offers? Is the seller open to a 23% concession, seller financing, or rate buy-down credit?
3. Built in 1946 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
4. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
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: 0.77% ✗
• Cap rate: 5.87%
• Cash-on-cash: -1.53%
• DSCR: 0.93
• GRM: 10.8

CMA / ARV

• ARV (median comp): $518,286
• List price: $434,500
• Delta: -16.17%
• Verdict: UNDERPRICED
• Comps: 5 within 1.0 mi

Projected returns pro-forma

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

5-year hold

• IRR: -18.8%
• Equity multiple: 0.34×
• Total profit: $-80,337
• Equity at exit: $64,785

10-year hold

• IRR: -11.4%
• Equity multiple: 0.32×
• Total profit: $-82,923
• Equity at exit: $37,568

Cash invested: $121,660 (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 20842

• Home prices YoY: -5.7%
• Active inventory: 16
• Price-to-rent: 10.8×

Monthly cashflow live

• Estimated rent: $3,366 medium
• Mortgage (P&I): −$2,279
• Tax from tax record: −$354 /mo · $4,251/yr
• Insurance: −$181
• HOA: −$0
• Vacancy / Maint / Mgmt: −$707
• Net cashflow: $-155

Break-even live

Break-even rent $3,562

Max offer price $407,141

Occupancy floor 100%

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: $108,625
• Closing costs: $13,035
• Reserves months: —
• Total cash needed: —

Listing history 50 events

1. 2026-06-13
   days on market $434,500 Active 34 DOM
2. 2026-06-09
   days on market $434,500 Active 30 DOM
3. 2026-06-08
   days on market $434,500 Active 29 DOM
4. 2026-06-07
   days on market $434,500 Active 28 DOM
5. 2026-06-03
   days on market $434,500 Active 24 DOM
6. 2026-06-02
   days on market $434,500 Active 23 DOM
7. 2026-06-02
   price $434,500 Active 22 DOM
8. 2026-06-01
   days on market $445,000 Active 22 DOM
9. 2026-05-31
   days on market $445,000 Active 21 DOM
10. 2026-05-11
    listed $445,000 Active 849-char remark
11. 2026-05-06
    historical $445,000 849-char remark
12. 2023-10-17
    soldstatus $385,000
13. 2023-09-01
    soldstatus $385,000 Closed 688-char remark

    Show marketing remark (688 chars)

    Welcome home to this beautiful four-bedroom, two-full bath Cape Cod-style home nestled along Old Hundred Road in Dickerson, Maryland. Upon entry, immediately notice the open bright living room, freshly painted in modern colors. Hardwood flooring throughout the main level and LVP on the lower level. The kitchen features stainless steel appliances, ceramic tile flooring, and gorgeous wood cabinets. The lower level includes a recreation room, two additional bedrooms, and a bath with a stair walkout to the backyard. Neighborhood amenities include a 12-minute drive to Clarksburg Premium Outlets and a 20-minute drive to downtown Frederick. Find comfort and adventure in this hidden gem.

14. 2023-08-15
    status Pending 688-char remark

    Show marketing remark (688 chars)

    Welcome home to this beautiful four-bedroom, two-full bath Cape Cod-style home nestled along Old Hundred Road in Dickerson, Maryland. Upon entry, immediately notice the open bright living room, freshly painted in modern colors. Hardwood flooring throughout the main level and LVP on the lower level. The kitchen features stainless steel appliances, ceramic tile flooring, and gorgeous wood cabinets. The lower level includes a recreation room, two additional bedrooms, and a bath with a stair walkout to the backyard. Neighborhood amenities include a 12-minute drive to Clarksburg Premium Outlets and a 20-minute drive to downtown Frederick. Find comfort and adventure in this hidden gem.

15. 2023-07-24
    historical Active Under Contract 688-char remark

    Show marketing remark (688 chars)

    Welcome home to this beautiful four-bedroom, two-full bath Cape Cod-style home nestled along Old Hundred Road in Dickerson, Maryland. Upon entry, immediately notice the open bright living room, freshly painted in modern colors. Hardwood flooring throughout the main level and LVP on the lower level. The kitchen features stainless steel appliances, ceramic tile flooring, and gorgeous wood cabinets. The lower level includes a recreation room, two additional bedrooms, and a bath with a stair walkout to the backyard. Neighborhood amenities include a 12-minute drive to Clarksburg Premium Outlets and a 20-minute drive to downtown Frederick. Find comfort and adventure in this hidden gem.

16. 2023-07-20
    listed $375,000 Active 688-char remark

    Show marketing remark (688 chars)

    Welcome home to this beautiful four-bedroom, two-full bath Cape Cod-style home nestled along Old Hundred Road in Dickerson, Maryland. Upon entry, immediately notice the open bright living room, freshly painted in modern colors. Hardwood flooring throughout the main level and LVP on the lower level. The kitchen features stainless steel appliances, ceramic tile flooring, and gorgeous wood cabinets. The lower level includes a recreation room, two additional bedrooms, and a bath with a stair walkout to the backyard. Neighborhood amenities include a 12-minute drive to Clarksburg Premium Outlets and a 20-minute drive to downtown Frederick. Find comfort and adventure in this hidden gem.

17. 2023-07-12
    historical $375,000 688-char remark

    Show marketing remark (688 chars)

    Welcome home to this beautiful four-bedroom, two-full bath Cape Cod-style home nestled along Old Hundred Road in Dickerson, Maryland. Upon entry, immediately notice the open bright living room, freshly painted in modern colors. Hardwood flooring throughout the main level and LVP on the lower level. The kitchen features stainless steel appliances, ceramic tile flooring, and gorgeous wood cabinets. The lower level includes a recreation room, two additional bedrooms, and a bath with a stair walkout to the backyard. Neighborhood amenities include a 12-minute drive to Clarksburg Premium Outlets and a 20-minute drive to downtown Frederick. Find comfort and adventure in this hidden gem.

18. 2023-03-01
    historical
19. 2023-02-02
    status Active
20. 2023-01-26
    historical
21. 2023-01-25
    listed $375,000 Active
22. 2019-11-07
    soldstatus $275,000
23. 2019-03-28
    historical
24. 2019-03-27
    status Active
25. 2019-03-08
    historical Active Under Contract
26. 2019-02-23
    status Active
27. 2019-02-21
    historical Active Under Contract
28. 2019-02-11
    price $269,999
29. 2019-02-08
    status Active
30. 2019-02-05
    historical Active Under Contract
31. 2018-11-21
    listed $295,000 Active
32. 2016-06-28
    historical
33. 2016-06-28
    historical
34. 2015-12-20
    status Contract
35. 2015-12-18
    listed Active
36. 2015-12-18
    listed $99,988
37. 2013-02-22
    historical
38. 2013-02-22
    historical
39. 2012-12-07
    status Active
40. 2012-11-27
    historical Expired
41. 2012-06-03
    listed Active
42. 2012-06-03
    listed $175,000
43. 2009-01-02
    historical
44. 2008-12-02
    price
45. 2008-12-02
    status
46. 2008-12-01
    historical
47. 2008-10-03
    price
48. 2008-09-04
    status
49. 2008-09-02
    historical
50. 2008-08-01
    status

ⓘ 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: $4,251 · $354/mo
• Projected year-2 tax: $4,493 · $374/mo
• Expected delta: +$243/yr (+$20/mo · 5.7%)

ⓘ 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 2/10 Low
• 🌡 Heat 6/10 Major 7 d/yr ≥103°F today · 16 d/yr by 30 yrs out
• 💨 Wind 3/10 Moderate 7% chance of damaging wind over 30 yrs
• 🫁 Air quality 3/10 Moderate 2 unhealthy d/yr today · 4 by 30 yrs out

Taxation est. · year 1

• Rental income: $40,389
• − Mortgage interest: −$24,339
• − Property taxes: −$4,251
• − Insurance: −$2,172
• − Repairs & maintenance: −$3,231
• − Management: −$3,231
• − Depreciation: −$12,640
• Taxable loss: −$9,475
• Est. tax savings @ 24.0%: +$2,274
• After-tax cash flow: $416/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: Montgomery County Public Schools
• NCES district ID: 2400480
• Math proficiency: 27% ▼ -21.00%
• Reading proficiency: 45% ▼ -10.00%
• Median HH income: $97,191
• Composite: 35.62/100
• National rank: #4889
• State rank: #3 of 24 in MD

Livability — Green Valley

No livability data for this city. (Only ~50 U.S. cities are tracked.)

Census & demographics

• City population: 7,815
• Population (ZIP): 2,093

Population outlook (Montgomery County) Hauer SSP2

• Today (2025): 1,173,231 people
• By 2030: 1,237,402 · +5.5%
• By 2040: 1,365,115 · +16.4%
• By 2050: 1,491,592 · +27.1%
• By 2075: 1,803,893 · +53.8%
• By 2100: 2,035,619 · +73.5%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (66%)
• Race & ethnicity: White 66% Hispanic / Latino 14% Black 11% Two or more races 10% Asian 1%
• Hispanic origin (detail): Mexican 3% Cuban 3%
• Common ancestry: Slovak 3% French 3% Scotch-Irish 3%
• Foreign-born: 16% · Canada, Dominican Republic
• Languages at home: 81% English-only · Spanish 8% Russian/Polish/Slavic 5% Arabic 4%

Political lean MEDSL · Montgomery

• 2024 margin: Solid D (+53.3) · D 75.2% · R 21.9% · Other 2.9%
• 2008→2024 swing: +8.7pp toward D · 2008: 44.6pp · 2024: 53.3pp
• All cycles: 2024: D+53.3 2020: D+59.6 2016: D+55.5 2012: D+43.4 2008: D+44.6

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -15.74%
• Current HPI: 260.4266
• 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

+735.6% since first listed

53 events — show timeline

• 2026-06-13 Listing Removed — BRIGHT MLS
• 2026-06-02 Price Changed $434,500 BRIGHT MLS
• 2026-05-11 Listed $445,000 BRIGHT MLS
• 2026-05-06 Coming Soon — BRIGHT MLS
• 2023-10-17 Sold (Public Records) $385,000 Public Records
• 2023-09-01 Sold (MLS) $385,000 BRIGHT MLS
• 2023-08-15 Pending — BRIGHT MLS
• 2023-07-24 Contingent — BRIGHT MLS
• 2023-07-20 Listed $375,000 BRIGHT MLS
• 2023-07-12 Coming Soon $375,000 BRIGHT MLS
• 2023-03-01 Listing Removed — BRIGHT MLS
• 2023-02-02 Relisted — BRIGHT MLS
• 2023-01-26 Listing Removed — BRIGHT MLS
• 2023-01-25 Listed $375,000 BRIGHT MLS
• 2019-11-07 Sold (Public Records) $275,000 Public Records
• 2019-03-28 Listing Removed — BRIGHT MLS
• 2019-03-27 Relisted — BRIGHT MLS
• 2019-03-08 Contingent — BRIGHT MLS
• 2019-02-23 Relisted — BRIGHT MLS
• 2019-02-21 Contingent — BRIGHT MLS
• 2019-02-11 Price Changed $269,999 BRIGHT MLS
• 2019-02-08 Relisted — BRIGHT MLS
• 2019-02-05 Contingent — BRIGHT MLS
• 2018-11-21 Listed $295,000 BRIGHT MLS
• 2016-06-28 Delisted — MRIS
• 2016-06-28 Listing Removed — BRIGHT MLS
• 2015-12-20 Pending — MRIS
• 2015-12-18 Listed — MRIS
• 2015-12-18 Listed $99,988 BRIGHT MLS
• 2013-02-22 Delisted — MRIS
• 2013-02-22 Listing Removed — BRIGHT MLS
• 2012-12-07 Relisted — MRIS
• 2012-11-27 Delisted — MRIS
• 2012-06-03 Listed — MRIS
• 2012-06-03 Listed $175,000 BRIGHT MLS
• 2009-01-02 Delisted — MRIS
• 2008-12-02 Relisted — MRIS
• 2008-12-02 Price Changed — MRIS
• 2008-12-01 Delisted — MRIS
• 2008-10-03 Price Changed — MRIS
• 2008-09-04 Relisted — MRIS
• 2008-09-02 Delisted — MRIS
• 2008-08-01 Relisted — MRIS
• 2008-08-01 Delisted — MRIS
• 2008-04-19 Price Changed — MRIS
• 2008-04-03 Price Changed — MRIS
• 2008-03-26 Price Changed — MRIS
• 2008-03-11 Listed — MRIS
• 1998-11-24 Sold (Public Records) $100,000 Public Records
• 1998-11-18 Sold (MLS) $100,000 MRIS
• 1998-10-04 Delisted — MRIS
• 1998-08-29 Listed $109,900 MRIS
• 1985-03-04 Sold (Public Records) $52,000 Public Records

Property tax history

+6.8%/yr

Latest (2025): $4,251 · +9.6% YoY. Source: county tax records.