316 W End Ave · Cambridge, MD 21613

$79,900

3 bd · 1.0 ba · 1,584 sqft · SingleFamily public records · 47 Days on market

Built 1916 3,315 sqft lot $50/sqft · 56% below area

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Why this score? — see what drove the B- 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 +30.0/30.0
• 1% rule +10.0/10.0
• DSCR +10.0/10.0
• ARV discount +7.5/15.0
• Livability +3.2/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Schools +1.5/10.0
• Appreciation +0.0/10.0

Listing remarks

INVESTOR ALERT! Welcome Home to 316 W End Avenue! In need of Rennovation! 3 Bedroom, 2 Bathroom home. Located in downtown Cambridge - Blocks from the water, county park and MORE! Must See! Book your private showing today. SEE AGENT REMARKS BEFORE BOOKING SHOWING.

Key facts

• Downtown cambridge
• County park
• 3,315 sq ft lot

Tags

• DOWNTOWN CAMBRIDGE
• COUNTY PARK
• BLOCKS FROM THE WATER

Property features AI

Finance

• Financial info: Fee simple ownership

Exterior

• Parking: On-street parking
• Utilities: Public water; Public sewer
• Home design: Detached property; Vinyl siding construction
• Construction: Vinyl siding construction materials; Crawl space foundation; Above-grade and below-grade structures
• Exterior features: Tidal water: none

Interior

• Bedrooms: Three bedrooms on the upper level
• Bathrooms: Two full bathrooms total (one on main level, one on first upper level)
• Heating & cooling: Other type heating; Other type cooling with electric cooling fuel; Hot water: Other
• Interior features: No basement; Living area per assessor

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $80k.

Deal economics

• At list price, monthly cash flow is $1k ($13k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $80k).
• Recommended offer: $78k (3.0% below list) — sets the bar for market timing.
• Cap rate 22.6% vs local median 4.2% in Cambridge — 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 65/100 on livability (#255 in MD) — a middle-class / working-renter tenant base. Strengths: cost of living A+, health & safety A+, housing B+; Watch: amenities D, schools F, crime F.
• Dorchester County Public Schools (rural): math 10% / reading 23% proficiency, ranked #23 of 24 in MD (top 96%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover.
• Market conditions: 292 active listings in the ZIP; 6 comparable units currently listed for rent nearby; rentals lingering (median 44d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 100% of comp listings sitting > 30 days — soft ceiling on asking rent; 81 units permitted in Dorchester County in 2024 (0 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $552 of loan paydown is wiped out by about $2k of value loss. Plan a longer hold.
• Dorchester County population projected to shrink 10% by 2050 — rents likely to lag national; underwrite the cash flow, not the appreciation.
• At projected returns (-3.0% appreciation + 3.0% rent growth), your $22k cash investment doubles in ~2 years — after that, you're playing with house money.

Negotiation context

• It's been on market 47 days — a 3% lower offer ($78k) is reasonable based on typical stale-listing flexibility.
• Current owner paid $35k; list at $80k implies a 128% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: built in 1916 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: major wind risk, 75% 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 $77,503 (3.0% below list)

Questions for the listing agent

1. It's been on market 47 days. Have you received any prior offers? Is the seller open to a 3% concession, seller financing, or rate buy-down credit?
2. Built in 1916 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. Schools are F-rated, which usually means shorter tenancies and higher turnover. Who's the typical renter profile here, and what's been the actual vacancy rate?
5. 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?
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: 2.66% ✓
• Cap rate: 22.56%
• Cash-on-cash: 58.11%
• DSCR: 3.59
• GRM: 3.1

CMA / ARV

• ARV (median comp): $182,401
• List price: $79,900
• Delta: -56.20%
• Verdict: UNDERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
211 Choptank Ave	0.12mi	3/2.0	1,608 (+2%)	0mo	$205,000	$127	88
210 Choptank Ave	0.13mi	3/1.5	1,744 (+10%)	2mo	$245,000	$140	73
405 Leonards Ln	0.28mi	4/2.0 (+1)	1,608 (+2%)	5mo	$234,000	$146	72
1205 Hambrooks Blvd	0.46mi	3/2.0	1,657 (+5%)	1mo	$315,000	$190	66
1 Somerset Ave	0.62mi	2/1.0 (-1)	1,578 (-0%)	6mo	$276,500	$175	60
3 Merryweather Dr	0.64mi	3/2.0	1,660 (+5%)	0mo	$295,000	$178	58
628-630 High St	0.63mi	2/1.0 (-1)	1,536 (-3%)	3mo	$215,000	$140	58
422 Willis St	0.23mi	3/2.0	1,348 (-15%)	6mo	$185,000	$137	56
311 Somerset Ave	0.48mi	3/1.0	1,372 (-13%)	3mo	$229,000	$167	53
2 Oriole Dr	0.71mi	2/1.5 (-1)	1,536 (-3%)	4mo	$270,000	$176	52
314 Muir St	0.54mi	3/1.5	1,796 (+13%)	1mo	$76,500	$43	50
632 Douglas St	0.70mi	3/2.5	1,726 (+9%)	6mo	$225,000	$130	41

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: 56.7%
• Equity multiple: 3.51×
• Total profit: $56,114
• Equity at exit: $11,913

10-year hold

• IRR: 61.6%
• Equity multiple: 7.17×
• Total profit: $137,952
• Equity at exit: $6,908

Cash invested: $22,372 (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 21613

• Home prices YoY: -25.1%
• Active inventory: 292
• Price-to-rent: 3.1×

Monthly cashflow live

• Estimated rent: $2,125 high
• Mortgage (P&I): −$419
• Tax from tax record: −$143 /mo · $1,713/yr
• Insurance: −$33
• HOA: −$0
• Vacancy / Maint / Mgmt: −$446
• Net cashflow: $1,083

Break-even live

Break-even rent $753

Max offer price $79,900

Occupancy floor 44%

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: $19,975
• Closing costs: $2,397
• Reserves months: —
• Total cash needed: —

Rent comps 6 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
414 Waterfield Ct Cambridge, MD	3.0	2.5	2000	$2,395	$1.20	43d	1	0.65mi
401 N Seaway Ct Cambridge, MD	3.0	2.5	1867	$2,600	$1.39	43d	1	0.74mi
804 Allen St Cambridge, MD	4.0	2.0	1326	$1,800	$1.36	43d	1	0.81mi
406 Robbins St Cambridge, MD	3.0	2.0	1296	$1,800	$1.39	43d	1	0.92mi
318 E Appleby Ave Cambridge, MD	3.0	2.5	1536	$2,100	$1.37	43d	1	1.27mi
1507 Race St Cambridge, MD	3.0	1.0	1260	$1,695	$1.35	43d	1	1.46mi

Listing history 17 events

1. 2026-06-18
   days on market $79,900 Active 47 DOM
2. 2026-06-17
   days on market $79,900 Active 46 DOM
3. 2026-06-16
   days on market $79,900 Active 45 DOM
4. 2026-06-15
   days on market $79,900 Active 44 DOM
5. 2026-06-13
   days on market $79,900 Active 42 DOM
6. 2026-06-12
   days on market $79,900 Active 41 DOM
7. 2026-06-09
   days on market $79,900 Active 38 DOM
8. 2026-06-08
   days on market $79,900 Active 37 DOM
9. 2026-06-07
   days on market $79,900 Active 36 DOM
10. 2026-06-07
    days on market $79,900 Active 35 DOM
11. 2026-06-04
    days on market $79,900 Active 32 DOM
12. 2026-06-02
    days on market $79,900 Active 31 DOM
13. 2026-06-01
    days on market $79,900 Active 30 DOM
14. 2026-05-31
    days on market $79,900 Active 29 DOM
15. 2026-05-31
    days on market $79,900 Active 28 DOM
16. 2026-05-02
    listed $99,900 Active 269-char remark
17. 1988-10-13
    soldstatus $35,000

ⓘ 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: $1,713 · $143/mo
• Projected year-2 tax: $1,713 · $143/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 2/10 Low
• 🌡 Heat 9/10 Extreme 7 d/yr ≥105°F today · 16 d/yr by 30 yrs out
• 💨 Wind 6/10 Major 75% chance of damaging wind over 30 yrs
• 🫁 Air quality 3/10 Moderate 2 unhealthy d/yr today · 3 by 30 yrs out

Taxation est. · year 1

• Rental income: $25,495
• − Mortgage interest: −$4,476
• − Property taxes: −$1,713
• − Insurance: −$400
• − Repairs & maintenance: −$2,040
• − Management: −$2,040
• − Depreciation: −$2,324
• Taxable income: $12,504
• Est. tax owed @ 24.0%: −$3,001
• After-tax cash flow: $10,000/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: Dorchester County Public Schools
• NCES district ID: 2400300
• Math proficiency: 10% ▼ -14.00%
• Reading proficiency: 23% ▼ -12.00%
• Median HH income: $46,767
• Composite: 14.65/100
• National rank: #9404
• State rank: #23 of 24 in MD

Livability — Cambridge

• Score: 65/100
• State rank: #255
• US rank: #13046

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Cambridge, MD
• Population (ZIP): 18,167

Population outlook (Dorchester County) Hauer SSP2

• Today (2025): 31,699 people
• By 2030: 31,054 · -2.0%
• By 2040: 29,712 · -6.3%
• By 2050: 28,618 · -9.7%
• By 2075: 28,436 · -10.3%
• By 2100: 28,937 · -8.7%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Diverse neighborhood (Simpson 0.62)
• Race & ethnicity: White 52% Black 33% Two or more races 10% Hispanic / Latino 6% Asian 2%
• Hispanic origin (detail): Puerto Rican 3%
• Common ancestry: Romanian 1% Lithuanian 1% Italian 1%
• Foreign-born: 4% · Canada
• Languages at home: 95% English-only · Spanish 3% Other Indo-European 1% German/W. Germanic 1%

Political lean MEDSL · Dorchester

• 2024 margin: R (+14.6) · D 41.6% · R 56.1% · Other 2.3%
• 2008→2024 swing: -6.3pp toward R · 2008: -8.2pp · 2024: -14.6pp
• All cycles: 2024: R+14.6 2020: R+11.9 2016: R+16.0 2012: R+6.6 2008: R+8.2

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -91.03%
• Current HPI: 271.1127
• 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

+128.3% since first listed

4 events — show timeline

• 2026-05-29 Price Changed $79,900 BRIGHT MLS
• 2026-05-19 Price Changed $89,900 BRIGHT MLS
• 2026-05-02 Listed $99,900 BRIGHT MLS
• 1988-10-13 Sold (Public Records) $35,000 Public Records

Property tax history

+3.5%/yr

Latest (2025): $1,713 · +11.6% YoY. Source: county tax records.