211 Pennsylvania Ave · Cumberland, MD 21502

$84,999

6 bd · 3.5 ba · 2,624 sqft · Townhouse public records · 11 Days on market

Built 1923 4,792 sqft lot ↓ 32% since listing

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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
• Rent growth +5.0/5.0
• Livability +3.9/5.0
• Condition / age +2.5/5.0
• Schools +1.9/10.0
• Appreciation +0.0/10.0

Listing remarks

Investor Special! Opportunity awaits at 211 Pennsylvania Avenue in Cumberland. This all-brick duplex offers two spacious units, each featuring 3 bedrooms. Left side 211 has 1 full bath, and right side 213 has 2 full bathrooms! Making it an attractive option for investors looking to renovate and add value. Packed with character, the property showcases original woodwork, hardwood floors, large rooms, and a classic covered front porch. A walk-up attic, full basement, fenced rear yard, and detached storage building provide additional potential and storage space. Whether you’re looking to expand your rental portfolio, pursue a fix-and-flip project, or create long-term cash flow, this prope

Key facts

• Covered front porch
• Walk up attic
• All brick duplex

Tags

• ALL BRICK DUPLEX
• ORIGINAL WOODWORK
• HARDWOOD FLOORS
• COVERED FRONT PORCH
• WALK UP ATTIC
• FULL BASEMENT

Property features AI

Finance

• Other: Above-grade finished area approximately 2,624; Total below-grade area: 0; Improvement assessed value and land assessed value available

Exterior

• Parking: On-street parking
• Utilities: Public water; Public sewer
• Home design: Semi-detached property; 2 floors in unit; Fee simple ownership
• Construction: Brick construction; Block foundation; Above grade and below grade structures; Estimated year built
• Exterior features: Located in city limits; Directions: from Industrial Blvd, turn on Pennsylvania Ave, house on left

Interior

• Bedrooms: 6 bedrooms on the first upper level
• Bathrooms: 3 full bathrooms (2 on upper levels, 1 on main level)
• Heating & cooling: Forced air heating; Hot water: electric
• Interior features: Full basement; 6 total rooms

What this means for you Summary

Snapshot

• This is a 6-bed/3.5-bath townhouse listed at $85k.

Deal economics

• At list price, monthly cash flow is $680 ($8k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $85k).
• Cap rate 15.9% vs local median 6.7% in Cumberland — 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 78/100 on livability (#64 in MD, #2,385 nationally) — a middle-class / working-renter tenant base. Strengths: amenities A+, commute A+, cost of living A+; Watch: schools D+, crime F, employment F.
• Allegany County Public Schools (other): math 15% / reading 30% proficiency, ranked #18 of 24 in MD (top 75%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover.
• Market conditions: Rents rising fast (+10.9%/yr); 238 active listings in the ZIP; 1 comparable units currently listed for rent nearby; 24 units permitted in Allegany County in 2024 (0 in 5+ unit buildings).
• This rent runs 31% of the median local income ($61k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $587 of loan paydown is wiped out by about $3k of value loss. Plan a longer hold.
• Allegany County population projected at -14% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.
• At projected returns (-3.0% appreciation + 8.0% rent growth), your $24k cash investment doubles in ~4 years — after that, you're playing with house money.

Negotiation context

• Only 11 days on market — expect competitive offers; lowballing is unlikely to land.
• 7 sale attempts since 17y 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 1923 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: extreme-heat days projected 7→18/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $84,999

Questions for the listing agent

1. Built in 1923 — 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 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?
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: 1.87% ✓
• Cap rate: 15.90%
• Cash-on-cash: 34.31%
• DSCR: 2.53
• GRM: 4.5

CMA / ARV

No comps found within radius.

Projected returns pro-forma

-3.0% appreciation · 8.0% rent growth · sell at horizon

5-year hold

• IRR: 35.2%
• Equity multiple: 2.60×
• Total profit: $37,992
• Equity at exit: $12,674

10-year hold

• IRR: 44.6%
• Equity multiple: 6.35×
• Total profit: $127,241
• Equity at exit: $7,349

Cash invested: $23,800 (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 21502

• Home prices YoY: -17.4%
• Rents YoY: 10.9%
• Active inventory: 238
• Price-to-rent: 4.5×

Monthly cashflow live

• Estimated rent: $1,592 medium
• Mortgage (P&I): −$446
• Tax from tax record: −$96 /mo · $1,149/yr
• Insurance: −$35
• HOA: −$0
• Vacancy / Maint / Mgmt: −$334
• Net cashflow: $680

Break-even live

Break-even rent $730

Max offer price $84,999

Occupancy floor 52%

Sensitivity live

Price	-10% $729	-5% $704	+0% $680	+5% $656	+10% $632
Rent	-10% $555	-5% $618	+0% $680	+5% $743	+10% $806
Rate	-1.0pp $723	-0.5pp $702	base $680	+0.5pp $658	+1.0pp $636

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: $21,250
• Closing costs: $2,550
• Reserves months: —
• Total cash needed: —

Rent comps 1 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
630 Hill Top Dr Cumberland, MD	5.0	1.5	2300	$1,495	$0.65	45d	1	0.56mi

Listing history 9 events

1. 2026-06-21
   days on market $84,999 Active 11 DOM
2. 2026-06-19
   days on market $84,999 Active 9 DOM
3. 2026-06-18
   days on market $84,999 Active 8 DOM
4. 2026-06-17
   days on market $84,999 Active 7 DOM
5. 2026-06-16
   days on market $84,999 Active 6 DOM
6. 2026-06-15
   days on market $84,999 Active 5 DOM
7. 2026-06-14
   days on market $84,999 Active 3 DOM
8. 2026-06-12
   remarks 693-char remark
9. 2026-06-12
   listed $84,999 Active 2 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: $1,149 · $96/mo
• Projected year-2 tax: $1,149 · $96/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 5/10 Major 7 d/yr ≥101°F today · 18 d/yr by 30 yrs out
• 💨 Wind 2/10 Low
• 🫁 Air quality 2/10 Low 0 unhealthy d/yr today · 1 by 30 yrs out

Taxation est. · year 1

• Rental income: $19,099
• − Mortgage interest: −$4,761
• − Property taxes: −$1,149
• − Insurance: −$425
• − Repairs & maintenance: −$1,528
• − Management: −$1,528
• − Depreciation: −$2,473
• Taxable income: $7,235
• Est. tax owed @ 24.0%: −$1,736
• After-tax cash flow: $6,429/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: Allegany County Public Schools
• NCES district ID: 2400030
• Math proficiency: 15% ▼ -26.00%
• Reading proficiency: 30% ▼ -20.00%
• Median HH income: $39,760
• Composite: 18.95/100
• National rank: #8854
• State rank: #18 of 24 in MD

Livability — Cumberland

• Score: 78/100
• State rank: #64
• US rank: #2385

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Cumberland, MD
• County: Allegany County · 41,015 people
• City population: 41,015
• Metro: Cumberland, MD-WV
• Population (ZIP): 41,015
• Household income: $60,725
• Rent vs Own: 28.0% rent · 72.0% own
• Severe rent burden: 824.0

Population outlook (Allegany County) Hauer SSP2

• Today (2025): 68,778 people
• By 2030: 66,766 · -2.9%
• By 2040: 62,784 · -8.7%
• By 2050: 59,179 · -14.0%
• By 2075: 50,732 · -26.2%
• By 2100: 40,837 · -40.6%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (83%)
• Race & ethnicity: White 83% Black 9% Two or more races 5% Hispanic / Latino 2%
• Common ancestry: Slovak 3% Romanian 2% Italian 1%
• Foreign-born: 2% · Canada
• Languages at home: 96% English-only · Spanish 2%

Political lean MEDSL · Allegany

• 2024 margin: Solid R (+40.3) · D 28.9% · R 69.2% · Other 2.0%
• 2008→2024 swing: -14.4pp toward R · 2008: -25.9pp · 2024: -40.3pp
• All cycles: 2024: R+40.3 2020: R+38.3 2016: R+48.0 2012: R+32.9 2008: R+25.9

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -54.33%
• Current HPI: 258.6676
• Rent YoY: ▲ 10.88%
• Metro: Cumberland, 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

-32.0% since first listed

22 events — show timeline

• 2026-06-10 Listed $84,999 BRIGHT MLS
• 2019-11-01 Listing Removed — BRIGHT MLS
• 2019-07-19 Listed $129,900 BRIGHT MLS
• 2019-05-02 Listing Removed — BRIGHT MLS
• 2019-05-01 Price Changed $129,900 BRIGHT MLS
• 2018-07-12 Price Changed $119,900 BRIGHT MLS
• 2018-04-04 Price Changed $129,900 BRIGHT MLS
• 2017-08-04 Listed $134,000 BRIGHT MLS
• 2010-04-13 Sold (Public Records) $107,500 Public Records
• 2010-03-31 Sold (MLS) $107,500 BRIGHT MLS
• 2010-03-31 Sold (MLS) $107,500 MRIS
• 2010-03-02 Pending — MRIS
• 2010-03-01 Delisted — MRIS
• 2010-02-28 Listing Removed — BRIGHT MLS
• 2009-10-26 Relisted — MRIS
• 2009-10-26 Price Changed $115,000 MRIS
• 2009-10-21 Delisted — MRIS
• 2009-08-17 Relisted — MRIS
• 2009-07-16 Delisted — MRIS
• 2009-04-20 Listed $130,000 MRIS
• 2009-04-20 Listed $115,000 BRIGHT MLS
• 2006-08-17 Sold (Public Records) $125,000 Public Records

Property tax history

+1.6%/yr

Latest (2025): $1,149 · +7.8% YoY. Source: county tax records.