61 E Heath St · Baltimore, MD
Flood risk 1/10 · Minimal
- FEMA flood zone
- X (unshaded)
- Chance of flooding over 30 yrs
- 0.0%
- Est. flood insurance / yr
- $473 – $860
Fire risk 1/10 · Minimal
- Est. fire insurance / yr
- $755 – $1,403
Heat risk 8/10 · Major
- Hot days now (above 102°F)
- 7 days/yr
- Hot days in 30 yrs
- 15 days/yr
Wind risk 6/10 · Moderate
- Chance of severe wind over 30 yrs
- 27.0%
Air-quality risk 4/10 · Minor
- Unhealthy air days now
- 6 days/yr
- Unhealthy air days in 30 yrs
- 7 days/yr
Risk factors via First Street. Map © Google.
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 +15.0/15.0
- Cash flow +12.2/30.0
- Livability +3.8/5.0
- 1% rule +3.6/10.0
- DSCR +3.6/10.0
- Condition / age +2.5/5.0
- Rent growth +2.2/5.0
- Schools +1.0/10.0
- Appreciation +0.0/10.0
$320,000
🖨 Deal sheet (PDF) 📄 Offer letter ✓ Due diligence
Listing remarks MLS
Picture perfect in every way, this gorgeous Federal Hill rowhome boasts of updates and upgrades throughout - meaning you can move right in! All the hard stuff has been done - new roof, new windows, and an exceptional brand new low-maintenance Trex rooftop deck for you to enjoy the sights and sounds of the city. As soon as you step inside, you are welcomed by gleaming hardwood floors that are perfectly complemented by neutral paint and a fabulous exposed brick wall. The large living room flows into an accommodating dining space, which is open to the extensively renovated kitchen boasting of granite counters and stainless steel appliances. Make your way to the upper level, where two generously sized bedrooms await. Both bedrooms feature private en-suite baths for added convenience and comfort. The spacious owner's suite offers ample closet space, while the second bedroom is plenty spacious and features an updated bath and new carpeting. Downstairs, the lower level features a flexible finished space that is perfect for use as an additional bedroom, rec room, media room, or anything that suits your needs. The home is finished by its exceptional location. Whether you're enjoying the views of the city from your rooftop deck, relaxing in the privacy of your rear patio, there is much to be enjoyed at this location. An abundance of on-street parking and access to endless local hotspots makes this one a must-see!
Key facts
- Built 1875
- Listed 5 days
Property features AI
Finance
- Other: Ownership interest: ground rent
- HOA & community: Ground rent payable semi-annually
Exterior
- Parking: On-street parking
- Utilities: Public water; Public sewer
- Home design: Interior townhouse/rowhouse; Above-grade and below-grade living space
- Construction: Brick construction; Brick/mortar foundation; Built (year per assessor)
- Exterior features: Rear privacy fence
Interior
- Kitchen: Dishwasher; Disposal; Microwave; Stove; Icemaker
- Bedrooms: Two bedrooms on the first upper level; One bedroom on the first lower level
- Bathrooms: Two full bathrooms; One half bathroom on the main level
- Heating & cooling: Forced-air heating (natural gas); Electric cooling (other type)
- Interior features: Open floor plan; Breakfast area; Primary/master bathroom; Upgraded countertops
- Laundry & utility: Washer and dryer in unit; Basement laundry area
Neighborhood map
What this means for you Summary
Snapshot
- This is a 3-bed/2.5-bath townhouse listed at $320k.
Deal economics
- At list price, monthly cash flow is $-62 ($-749/yr) — negative.
- To cash-flow at today's rent, offer at most $309k (3.4% below list).
- To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $277k (13.5% below list).
- Recommended offer: $277k (13.5% below list) — sets the bar for 1% rule.
Location & tenants
- Location reads 76/100 on livability (#90 in MD, #3,396 nationally) — a middle-class / working-renter tenant base. Strengths: amenities A+, commute A+, housing A+; Watch: crime F.
- Baltimore City Public Schools (urban): math 7% / reading 16% proficiency, ranked #24 of 24 in MD (top 100%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover; 79% free/reduced lunch — lower-income household profile, screen leases tightly.
- Zoned schools: Elmer A. Henderson: A Johns Hopkins Partnership (math 2% / reading 16%, grade F, #650 of 860 statewide, top 77%, 642 students, 80% FRL); Baltimore Polytechnic Institute (math 71% / reading 84%, grade A-, #22 of 222 statewide, top 10%, 1,555 students, 43% FRL) — zoned schools average 62% FRL vs 79% district-wide (17 pts lower); this property's tenant base skews higher-income than the district average.
- Zoned-school proficiency averages 43% at this address vs 12% district-wide (+32 pts) — the actual schools serving this property are materially stronger than the Baltimore City Public Schools average implies; a family-tenant draw the district grade alone would hide.
- Market conditions: Rents soft (-1.0%/yr); 363 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals at typical pace (median 17d on market — plan ~3-4 weeks tenant-placement turnaround); solid renter incomes; 1,273 units permitted in Baltimore city in 2024 (1,104 in 5+ unit buildings).
- This rent runs 36% of the median local income ($92k/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 $2k of loan paydown is wiped out by about $10k of value loss. Plan a longer hold.
- Baltimore County population projected to shrink 4% by 2050 — rents likely to lag national; underwrite the cash flow, not the appreciation.
Negotiation context
- Only 5 days on market — expect competitive offers; lowballing is unlikely to land.
- 18 sale attempts since 26y 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 1875 — expect roof / HVAC / electrical / plumbing capex.
- Climate carrying-cost: major wind risk, 27% chance of damaging wind over 30y; extreme-heat days projected 7→15/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.
Questions for the listing agent
- 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?
- Built in 1875 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
- Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
- 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?
- 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?
- 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?
- 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.
- 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.
- 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
- 0.86% ✗
- Cap rate
- 6.06%
- Cash-on-cash
- -0.84%
- DSCR
- 0.96
- GRM
- 9.6
CMA / ARV
- ARV (median comp)
- $397,865
- List price
- $320,000
- Delta
- -19.57%
- 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 |
|---|---|---|---|---|---|---|---|
| 218 E Barney St | 0.11mi | 3/3.0 | 1,802 (-4%) | 0mo | $480,000 | $266 | 86 |
| 1509 S Charles St | 0.17mi | 3/2.5 | 1,996 (+6%) | 1mo | $557,598 | $279 | 81 |
| 1511 S Charles St | 0.16mi | 3/3.5 | 2,004 (+7%) | 0mo | $515,000 | $257 | 77 |
| 1607 Light St | 0.07mi | 3/2.5 | 2,128 (+13%) | 1mo | $455,000 | $214 | 74 |
| 1279 William St | 0.30mi | 3/3.5 | 2,026 (+8%) | 1mo | $520,000 | $257 | 68 |
| 1206 William St | 0.37mi | 3/2.5 | 1,713 (-9%) | 1mo | $400,000 | $234 | 67 |
| 1749 S Hanover St | 0.17mi | 4/3.5 (+1) | 2,109 (+12%) | 1mo | $412,000 | $195 | 62 |
| 1450 Riverside Ave | 0.26mi | 2/2.0 (-1) | 1,628 (-13%) | 0mo | $360,000 | $221 | 59 |
| 1314 Light St | 0.27mi | 4/3.5 (+1) | 2,100 (+12%) | 0mo | $342,000 | $163 | 58 |
| 25 West St W | 0.37mi | 3/2.5 | 1,600 (-15%) | 1mo | $338,000 | $211 | 58 |
| 105A E Cromell St #1004 | 0.60mi | 3/— | 1,603 (-15%) | 0mo | $483,500 | $302 | 48 |
| 107A E Cromell St #1005 | 0.60mi | 3/— | 1,603 (-15%) | 0mo | $514,999 | $321 | 47 |
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 · 0.0% rent growth · sell at horizon
- IRR
- -21.1%
- Equity multiple
- 0.29×
- Total profit
- $-63,874
- Equity at exit
- $47,713
- IRR
- -23.9%
- Equity multiple
- -0.02×
- Total profit
- $-91,815
- Equity at exit
- $27,668
Cash invested: $89,600 (down + closing). Projections, not guarantees.
Landlord ↔ Tenant lean methodology
- Overall (CITY)
- 12 Strongly Tenant-Friendly
- State Maryland
- 27 Tenant-Leaning · D+14
- County
- — inherits STATE
- City Baltimore
- 12 Strongly Tenant-Friendly · D+58
ZIP-level market 21230
- Rents YoY
- -1.0%
- Active inventory
- 363
- Price-to-rent
- 9.6×
Monthly cashflow live
- Estimated rent
- $2,767 high interval (Pro) →
- Mortgage (P&I)
- −$1,678
- Tax from tax record
- −$437 /mo · $5,240/yr
- Insurance
- −$133
- HOA
- −$0
- Vacancy / Maint / Mgmt
- −$581
- Net cashflow
- $-62
Break-even live
Sensitivity live
| Price | -10% $119 | -5% $28 | +0% $-62 | +5% $-153 | +10% $-244 |
|---|---|---|---|---|---|
| Rent | -10% $-281 | -5% $-172 | +0% $-62 | +5% $47 | +10% $156 |
| Rate | -1.0pp $99 | -0.5pp $19 | base $-62 | +0.5pp $-145 | +1.0pp $-230 |
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
- $80,000
- Closing costs
- $9,600
- Reserves months
- —
- Total cash needed
- —
Loan-product check · same deal, 3 products live
Conventional
25% down · 7.5% · 30yr
- Down + closing
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
Personal DTI + credit; lowest rate.
DSCR
20% down · 8.5% · 30yr
- Down + closing
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
No personal income docs; deal must DSCR.
Hard money
10% down · 12.0% · 12mo
- Down + closing
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
Short-term bridge; refi at stabilization.
Rent comps 40 comps
| Address | Beds | Baths | Sqft | Rent | $/sqft | DOM | Units | Dist |
|---|---|---|---|---|---|---|---|---|
| 1807 Westphal Pl Baltimore, MD | 2.0 | 2.5 | 1378 | $2,500 | $1.81 | 6d | 1 | 0.08mi |
| 22 E Heath St Baltimore, MD | 3.0 | 2.5 | 1800 | $2,900 | $1.61 | 14d | 1 | 0.09mi |
| 1617 Patapsco St Baltimore, MD | 3.0 | 3.0 | 1537 | $2,500 | $1.63 | 4d | 1 | 0.09mi |
| 1631 S Charles St Baltimore, MD | 2.0 | 3.0 | 1460 | $2,607 | $1.79 | 6d | 1 | 0.11mi |
| 1600 Light St Unit C Baltimore, MD | 3.0 | 2.0 | 1500 | $1,800 | $1.20 | 12d | 1 | 0.11mi |
| 1839 S Charles St Baltimore, MD | 3.0 | 2.5 | 1238 | $2,600 | $2.10 | 45d | 1 | 0.12mi |
| 1725 S Hanover St Baltimore, MD | 3.0 | 3.5 | 1704 | $3,090 | $1.81 | 45d | 1 | 0.15mi |
| 103 E Wells St Baltimore, MD | 1.0–2.0 | 1.0 | 1008 | $2,415 | $2.39 | 4d | 11 | 0.17mi |
| 1746 S Hanover St Baltimore, MD | 3.0 | 2.0 | 1490 | $2,600 | $1.74 | 0d | 1 | 0.18mi |
| 1718 S Hanover St Baltimore, MD | 2.0 | 2.5 | 1296 | $2,700 | $2.08 | 25d | 1 | 0.18mi |
| 9 E Fort Ave Baltimore, MD | 3.0 | 2.0 | 2118 | $3,100 | $1.46 | 45d | 1 | 0.19mi |
| 1800 S Hanover St Baltimore, MD | 1.0–3.0 | 1.0–2.0 | 1052 | $3,639 | $3.46 | 0d | 22 | 0.20mi |
| 1608 S Hanover St Baltimore, MD | 3.0 | 3.5 | 1346 | $3,000 | $2.23 | 19d | 1 | 0.20mi |
| 1723 Clarkson St Baltimore, MD | 3.0 | 3.5 | 2488 | $3,250 | $1.31 | 25d | 1 | 0.20mi |
| 1900 S Hanover St Baltimore, MD | 3.0 | 1.0–2.0 | 875 | $3,932 | $4.49 | 0d | 76 | 0.21mi |
| 1502 S Charles St Baltimore, MD | 3.0 | 3.0 | 2044 | $1,500 | $0.73 | 25d | 1 | 0.21mi |
| 111 W Heath St Baltimore, MD | 2.0 | 1.0–2.5 | 1263 | $2,850 | $2.26 | 5d | 7 | 0.24mi |
| 300 E Fort Ave Baltimore, MD | 3.0 | 1.5 | 1980 | $1,700 | $0.86 | 19d | 1 | 0.26mi |
| 2 W Clement St Baltimore, MD | 3.0 | 3.5 | 1866 | $3,400 | $1.82 | 19d | 1 | 0.30mi |
| 128 W Fort Ave Baltimore, MD | 3.0 | 3.5 | 2025 | $3,100 | $1.53 | 25d | 1 | 0.31mi |
| 1402 Clarkson St Baltimore, MD | 2.0 | 2.0 | 1557 | $2,400 | $1.54 | 25d | 1 | 0.32mi |
| 1444 Henry St Baltimore, MD | 2.0 | 2.5 | 1248 | $2,950 | $2.36 | 16d | 1 | 0.33mi |
| 432 E Clement St Baltimore, MD | 2.0 | 4.0 | 2432 | $2,495 | $1.03 | 0d | 1 | 0.38mi |
| 1201 S Charles St Baltimore, MD | 2.0–3.0 | 2.0 | 1341 | $2,250 | $1.68 | 0d | 4 | 0.40mi |
| 1409 Covington St Baltimore, MD | 2.0 | 2.0 | 1458 | $2,300 | $1.58 | 5d | 1 | 0.41mi |
| 1127 S Hanover St Baltimore, MD | 4.0 | 3.5 | 2000 | $3,600 | $1.80 | 19d | 1 | 0.46mi |
| 1127 S Hanover St Baltimore, MD | 4.0 | 4.0 | 2000 | $3,600 | $1.80 | 18d | 1 | 0.46mi |
| 1153 Riverside Ave Baltimore, MD | 4.0 | 2.0 | 1838 | $2,800 | $1.52 | 45d | 1 | 0.46mi |
| 2450 Rye St Baltimore, MD | 2.0 | 1.0–2.0 | 926 | $3,789 | $4.09 | 3d | 31 | 0.48mi |
| 1103 Light St Unit B Baltimore, MD | 2.0 | 2.0 | 1295 | $1,845 | $1.42 | 25d | 1 | 0.48mi |
| 1103 Light St Unit B Baltimore, MD | 2.0 | 2.0 | 1295 | $1,845 | $1.42 | 45d | 1 | 0.48mi |
| 111 E Cross St Baltimore, MD | 3.0 | 4.5 | 2496 | $3,300 | $1.32 | 14d | 1 | 0.48mi |
| 1310 Jackson St Baltimore, MD | 3.0 | 3.5 | 2444 | $5,200 | $2.13 | 6d | 1 | 0.48mi |
| 1111 Light St Baltimore, MD | 2.0 | 1.0–2.0 | 982 | $2,449 | $2.49 | 0d | 12 | 0.49mi |
| 1106 Battery Ave Baltimore, MD | 4.0 | 5.0 | 2318 | $4,000 | $1.73 | 25d | 1 | 0.49mi |
| 101 W Cross St Baltimore, MD | 2.0 | 1.0–2.0 | 937 | $3,332 | $3.55 | 0d | 25 | 0.50mi |
| 651 E Clement St Baltimore, MD | 3.0 | 3.5 | 1292 | $2,800 | $2.17 | 45d | 1 | 0.50mi |
| 206 E Cross St Baltimore, MD | 4.0 | 2.0 | 2168 | $3,000 | $1.38 | 6d | 1 | 0.52mi |
| 1021 S Hanover St Baltimore, MD | 2.0 | 2.5 | 1300 | $2,800 | $2.15 | 25d | 1 | 0.53mi |
| 14 Poultney St Baltimore, MD | 3.0 | 2.5 | 1344 | $2,500 | $1.86 | 14d | 1 | 0.54mi |
Listing history 50 events
-
2026-05-11status Pending 705-char remark
-
2026-05-07$320,000 Active 705-char remark
-
2026-05-05historical $320,000 705-char remark
-
2020-05-28soldstatus $282,000
-
2020-04-03soldstatus $282,000 Closed 1426-char remark
Show marketing remark (1426 chars)
Picture perfect in every way, this gorgeous Federal Hill rowhome boasts of updates and upgrades throughout - meaning you can move right in! All the hard stuff has been done - new roof, new windows, and an exceptional brand new low-maintenance Trex rooftop deck for you to enjoy the sights and sounds of the city. As soon as you step inside, you are welcomed by gleaming hardwood floors that are perfectly complemented by neutral paint and a fabulous exposed brick wall. The large living room flows into an accommodating dining space, which is open to the extensively renovated kitchen boasting of granite counters and stainless steel appliances. Make your way to the upper level, where two generously sized bedrooms await. Both bedrooms feature private en-suite baths for added convenience and comfort. The spacious owner's suite offers ample closet space, while the second bedroom is plenty spacious and features an updated bath and new carpeting. Downstairs, the lower level features a flexible finished space that is perfect for use as an additional bedroom, rec room, media room, or anything that suits your needs. The home is finished by its exceptional location. Whether you're enjoying the views of the city from your rooftop deck, relaxing in the privacy of your rear patio, there is much to be enjoyed at this location. An abundance of on-street parking and access to endless local hotspots makes this one a must-see!
-
2020-02-17status Pending 1426-char remark
Show marketing remark (1426 chars)
Picture perfect in every way, this gorgeous Federal Hill rowhome boasts of updates and upgrades throughout - meaning you can move right in! All the hard stuff has been done - new roof, new windows, and an exceptional brand new low-maintenance Trex rooftop deck for you to enjoy the sights and sounds of the city. As soon as you step inside, you are welcomed by gleaming hardwood floors that are perfectly complemented by neutral paint and a fabulous exposed brick wall. The large living room flows into an accommodating dining space, which is open to the extensively renovated kitchen boasting of granite counters and stainless steel appliances. Make your way to the upper level, where two generously sized bedrooms await. Both bedrooms feature private en-suite baths for added convenience and comfort. The spacious owner's suite offers ample closet space, while the second bedroom is plenty spacious and features an updated bath and new carpeting. Downstairs, the lower level features a flexible finished space that is perfect for use as an additional bedroom, rec room, media room, or anything that suits your needs. The home is finished by its exceptional location. Whether you're enjoying the views of the city from your rooftop deck, relaxing in the privacy of your rear patio, there is much to be enjoyed at this location. An abundance of on-street parking and access to endless local hotspots makes this one a must-see!
-
2020-01-23$285,000 Active 1426-char remark
Show marketing remark (1426 chars)
Picture perfect in every way, this gorgeous Federal Hill rowhome boasts of updates and upgrades throughout - meaning you can move right in! All the hard stuff has been done - new roof, new windows, and an exceptional brand new low-maintenance Trex rooftop deck for you to enjoy the sights and sounds of the city. As soon as you step inside, you are welcomed by gleaming hardwood floors that are perfectly complemented by neutral paint and a fabulous exposed brick wall. The large living room flows into an accommodating dining space, which is open to the extensively renovated kitchen boasting of granite counters and stainless steel appliances. Make your way to the upper level, where two generously sized bedrooms await. Both bedrooms feature private en-suite baths for added convenience and comfort. The spacious owner's suite offers ample closet space, while the second bedroom is plenty spacious and features an updated bath and new carpeting. Downstairs, the lower level features a flexible finished space that is perfect for use as an additional bedroom, rec room, media room, or anything that suits your needs. The home is finished by its exceptional location. Whether you're enjoying the views of the city from your rooftop deck, relaxing in the privacy of your rear patio, there is much to be enjoyed at this location. An abundance of on-street parking and access to endless local hotspots makes this one a must-see!
-
2014-10-31historical Withdrawn
-
2014-10-31historical
-
2014-07-04price
-
2014-05-21Active
-
2014-05-20$287,000
-
2012-09-19soldstatus $205,000
-
2012-08-28soldstatus $205,000 Sold
-
2012-08-28soldstatus $205,000
-
2012-07-22status Contingent (No Kick Out)
-
2012-07-11historical Contingent (Kick Out)
-
2012-07-10historical
-
2012-07-07$199,000 Active
-
2012-07-07$199,000
-
2012-04-19soldstatus $120,000
-
2012-04-19soldstatus $120,000 Sold
-
2012-01-30status Contract
-
2012-01-30historical
-
2012-01-10price $125,000
-
2011-12-09price $132,900 Active
-
2011-12-09status Active
-
2011-12-06historical Expired
-
2011-11-09price $139,900
-
2011-10-06status Active
-
2011-10-01historical Expired
-
2011-09-29price $156,500
-
2011-09-28status Active
-
2011-05-24status Contingent (No Kick Out)
-
2011-05-20$164,900 Active
-
2011-05-20$125,000
-
2011-04-19historical
-
2011-04-19historical
-
2011-03-18status Contingent (No Kick Out)
-
2011-02-25price
-
2011-01-19price
-
2010-12-21status Active
-
2010-12-16historical Temporarily Off-Market
-
2010-12-16Active
-
2010-12-16$164,900
-
2010-10-06historical Withdrawn
-
2010-10-06historical
-
2010-09-10price
-
2010-08-06Active
-
2010-08-06$201,000
ⓘ 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
- $5,240 · $437/mo
- Projected year-2 tax
- $5,240 · $437/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 1/10 Low
- Heat 8/10 Severe 7 d/yr ≥102°F today · 15 d/yr by 30 yrs out
- Wind 6/10 Major 27% chance of damaging wind over 30 yrs
- Air quality 4/10 Moderate 6 unhealthy d/yr today · 7 by 30 yrs out
Nearby sold comps map
Loading sold comps map…
Walkable amenities ~0.75 mi
Loading nearby amenities…
Taxation est. · year 1
- Rental income
- $33,199
- − Mortgage interest
- −$17,925
- − Property taxes
- −$5,240
- − Insurance
- −$1,600
- − Repairs & maintenance
- −$2,656
- − Management
- −$2,656
- − Depreciation
- −$9,309
- Taxable loss
- −$6,186
- Est. tax savings @ 24.0%
- +$1,485
- After-tax cash flow
- $735/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
- Baltimore City Public Schools
- NCES district ID
- 2400090
- Math proficiency
- 7% ▼ -9.00%
- Reading proficiency
- 16% ▼ -5.00%
- Median HH income
- $42,108
- Composite
- 10.08/100
- National rank
- #9805
- State rank
- #24 of 24 in MD
Livability — Baltimore
- Score
- 76/100
- State rank
- #90
- US rank
- #3396
Category grades
Schools grade is shown separately in the Schools card above.
Census & demographics
- Census place
- Baltimore, MD
- County
- Baltimore City · 558,601 people
- City population
- 588,727
- Metro
- Baltimore-Columbia-Towson, MD
- Population (ZIP)
- 32,977
- Household income
- $91,842
- Rent vs Own
- Severe rent burden
- 1463.0
Population outlook (Baltimore County) Hauer SSP2
- Today (2025)
- 624,249 people
- By 2030
- 621,541 · -0.4%
- By 2040
- 609,756 · -2.3%
- By 2050
- 597,249 · -4.3%
- By 2075
- 552,236 · -11.5%
- By 2100
- 513,934 · -17.7%
Race, ethnicity, and origin ACS 2023
- Neighborhood character
- Diverse neighborhood (Simpson 0.63)
- Race & ethnicity
- White 55% Black 23% Hispanic / Latino 13% Two or more races 6% Asian 4%
- Hispanic origin (detail)
- Mexican 1% Puerto Rican 1%
- Common ancestry
- Romanian 5% Lithuanian 2% Italian 2%
- Foreign-born
- 10% · Canada, China
- Languages at home
- 85% English-only · Spanish 9% Other Indo-European 1% Other Asian/Pacific 1%
Political lean MEDSL · Baltimore
- 2024 margin
- Solid D (+73.0) · D 85.2% · R 12.2% · Other 2.6%
- 2008→2024 swing
- -2.5pp toward R · 2008: 75.5pp · 2024: 73.0pp
- All cycles
- 2024: D+73.0 2020: D+76.6 2016: D+74.6 2012: D+76.4 2008: D+75.5
Not yet ingested
- Civics
- —
Market trends
- HPI YoY
- ▼ -311.43%
- Current HPI
- 284.338
- Rent YoY
- ▼ -1.00%
- Metro
- Baltimore-Columbia-Towson, MD
- State GDP YoY
- ▲ 2.97%
- F500 in state
- 12
Industry mix (Fortune 500 HQ in MD)
| Industry | F500 HQs | Revenue |
|---|---|---|
| Aerospace / Defense | 1 | $71B |
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| Utilities | 1 | $25B |
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| Hotels | 1 | $24B |
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| Consumer Goods | 1 | $7B |
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| Real Estate | 1 | $6B |
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| Chemicals | 1 | $2B |
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Price history
+573.7% since first listed61 events — show timeline
- 2026-05-11 Pending — BRIGHT MLS
- 2026-05-07 Listed $320,000 BRIGHT MLS
- 2026-05-05 Coming Soon $320,000 BRIGHT MLS
- 2020-05-28 Sold (Public Records) $282,000 Public Records
- 2020-04-03 Sold (MLS) $282,000 BRIGHT MLS
- 2020-02-17 Pending — BRIGHT MLS
- 2020-01-23 Listed $285,000 BRIGHT MLS
- 2014-10-31 Listing Removed — BRIGHT MLS
- 2014-10-31 Delisted — MRIS
- 2014-07-04 Price Changed — MRIS
- 2014-05-21 Listed — MRIS
- 2014-05-20 Listed $287,000 BRIGHT MLS
- 2012-09-19 Sold (Public Records) $205,000 Public Records
- 2012-08-28 Sold (MLS) $205,000 BRIGHT MLS
- 2012-08-28 Sold (MLS) $205,000 MRIS
- 2012-07-22 Pending — MRIS
- 2012-07-11 Contingent — MRIS
- 2012-07-10 Listing Removed — BRIGHT MLS
- 2012-07-07 Listed $199,000 MRIS
- 2012-07-07 Listed $199,000 BRIGHT MLS
- 2012-04-19 Sold (MLS) $120,000 MRIS
- 2012-04-19 Sold (MLS) $120,000 BRIGHT MLS
- 2012-01-30 Pending — MRIS
- 2012-01-30 Listing Removed — BRIGHT MLS
- 2012-01-10 Price Changed $125,000 MRIS
- 2011-12-09 Relisted — MRIS
- 2011-12-09 Price Changed $132,900 MRIS
- 2011-12-06 Delisted — MRIS
- 2011-11-09 Price Changed $139,900 MRIS
- 2011-10-06 Relisted — MRIS
- 2011-10-01 Delisted — MRIS
- 2011-09-29 Price Changed $156,500 MRIS
- 2011-09-28 Relisted — MRIS
- 2011-05-24 Pending — MRIS
- 2011-05-20 Listed $164,900 MRIS
- 2011-05-20 Listed $125,000 BRIGHT MLS
- 2011-04-19 Delisted — MRIS
- 2011-04-19 Listing Removed — BRIGHT MLS
- 2011-03-18 Pending — MRIS
- 2011-02-25 Price Changed — MRIS
- 2011-01-19 Price Changed — MRIS
- 2010-12-21 Relisted — MRIS
- 2010-12-16 Delisted — MRIS
- 2010-12-16 Listed — MRIS
- 2010-12-16 Listed $164,900 BRIGHT MLS
- 2010-10-06 Delisted — MRIS
- 2010-10-06 Listing Removed — BRIGHT MLS
- 2010-09-10 Price Changed — MRIS
- 2010-08-06 Listed — MRIS
- 2010-08-06 Listed $201,000 BRIGHT MLS
- 2009-02-21 Delisted — MRIS
- 2008-12-15 Price Changed — MRIS
- 2008-11-01 Listed — MRIS
- 2007-02-22 Sold (Public Records) $272,500 Public Records
- 2000-10-20 Sold (MLS) $35,000 MRIS
- 2000-07-26 Delisted — MRIS
- 2000-07-15 Listed $32,000 MRIS
- 1998-05-12 Sold (Public Records) $61,000 Public Records
- 1996-01-03 Sold (Public Records) $54,900 Public Records
- 1994-08-15 Sold (Public Records) $20,000 Public Records
- 1988-05-02 Sold (Public Records) $47,500 Public Records
Property tax history
+1.2%/yrLatest (2025): $5,240 · +4.7% YoY. Source: county tax records.
Cash-flow waterfall
monthlySold comps — $/sqft
last 12 mo · ≤1 miLoading sold comps…