3807 Old York Rd · Baltimore, MD
Flood risk 8/10 · Major
- FEMA flood zone
- X (unshaded)
- Chance of flooding over 30 yrs
- 0.99%
- Est. flood insurance / yr
- $473 – $860
Fire risk 1/10 · Minimal
- Est. fire insurance / yr
- $755 – $1,403
Heat risk 7/10 · Major
- Hot days now (above 103°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 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 +21.2/30.0
- ARV discount +11.6/15.0
- DSCR +6.8/10.0
- 1% rule +4.5/10.0
- Livability +3.8/5.0
- Rent growth +2.9/5.0
- Condition / age +2.5/5.0
- Schools +1.0/10.0
- Appreciation +0.0/10.0
$199,997
🖨 Deal sheet (PDF) 📄 Offer letter ✓ Due diligence
Listing remarks MLS
Seller is willing to assist with buyer closing costs with an acceptable offer, creating an excellent opportunity to reduce out-of-pocket expenses and make homeownership more affordable. Classic Baltimore townhome with modern comfort and unmatched city connectivity. Welcome to this pristine 2-story townhouse offering 3 bedrooms and 3 full baths, perfectly positioned in a vibrant Baltimore neighborhood just moments from everything you need. This classic brick townhome features bright, spacious living areas, a well-designed layout, and a move-in-ready feel following a complete renovation. The home is equipped with a sleek, efficient kitchen ready for your personal touch, while the upper level includes cozy bedrooms with ample storage. The finished walkout basement is perfect for a recreation room, home office, or guest suite. Major updates include a new HVAC system, updated electrical and plumbing, and a new roof for added peace of mind. The home also features new luxury vinyl plank flooring, granite countertops, and refreshed finishes throughout. Outdoor improvements feature a new deck, fence, and professional landscaping, creating inviting exterior spaces to enjoy. Situated near Greenmount Avenue and E 38th Street, you’ll enjoy quick access to major commuter routes, including I-83 and downtown Baltimore. Just minutes away, you’ll find Johns Hopkins University, Wyman Park, and Mullan Park, offering green spaces, walking paths, and outdoor recreation. If you're commuting, exploring local parks, or enjoying the surrounding community, this home delivers a balanced lifestyle with accessibility and comfort at its core. Some images may reflect virtual staging, to help showcase the home.
Key facts
- Built 1926
- Listed 63 days
Neighborhood map
What this means for you Summary
Snapshot
- This is a 3-bed/2.0-bath townhouse listed at $200k.
Deal economics
- At list price, monthly cash flow is $234 ($3k/yr) — positive.
- The deal already cash-flows at list — no discount required.
- To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $190k (5.2% below list).
- Recommended offer: $188k (6.0% below list) — sets the bar for market timing.
- Cap rate 8.0% vs local median 6.0% in Baltimore — 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 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: schools D, 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.
- Market conditions: Rents rising (+1.6%/yr); 330 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals at typical pace (median 19d on market — plan ~3-4 weeks tenant-placement turnaround); 1,273 units permitted in Baltimore city in 2024 (1,104 in 5+ unit buildings).
- This rent runs 36% of the median local income ($62k/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 $1k of loan paydown is wiped out by about $6k 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
- It's been on market 63 days — a 6% lower offer ($188k) is reasonable based on typical stale-listing flexibility.
- Current owner paid $30k; list at $200k implies a 567% gain — meaningful room to come down on a strong offer.
Risks & watch-outs
- Watch-outs: flood insurance adds $56/mo; built in 1926 — expect roof / HVAC / electrical / plumbing capex.
- Climate carrying-cost: severe flood risk; 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
- It's been on market 63 days. Have you received any prior offers? Is the seller open to a 6% concession, seller financing, or rate buy-down credit?
- Built in 1926 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
- What's the actual annual flood-insurance premium (NFIP or private), and is the property in a SFHA with mandatory coverage?
- Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
- 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?
- 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
- 0.95% ✗
- Cap rate
- 8.03%
- Cash-on-cash
- 6.21%
- DSCR
- 1.28
- GRM
- 8.8
CMA / ARV
- ARV (median comp)
- $220,144
- List price
- $199,997
- Delta
- -9.15%
- Verdict
- FAIR
- Comps
- 20 within 1.0 mi
Show comp detail 12 sales within ~0.75 mi
| Address | Dist | Beds/Ba | Sqft | Sold | Price | $/sf | Match |
|---|---|---|---|---|---|---|---|
| 646 E 37th St | 0.15mi | 3/2.0 | 1,284 (+5%) | 0mo | $94,000 | $73 | 84 |
| 608 Chestnut Hill Ave | 0.11mi | 2/1.0 (-1) | 1,156 (-5%) | 1mo | $73,000 | $63 | 77 |
| 827 Belgian Ave | 0.36mi | 3/2.0 | 1,260 (+3%) | 2mo | $130,000 | $103 | 76 |
| 515 E 35th St | 0.35mi | 3/1.5 | 1,260 (+3%) | 1mo | $135,999 | $108 | 76 |
| 604 E 35th St E | 0.33mi | 3/1.0 | 1,260 (+3%) | 1mo | $94,000 | $75 | 75 |
| 739 Springfield Ave | 0.39mi | 3/1.0 | 1,160 (-5%) | 2mo | $125,000 | $108 | 68 |
| 3633 Elkader Rd | 0.32mi | 2/1.5 (-1) | 1,304 (+7%) | 1mo | $265,000 | $203 | 66 |
| 3807 Elkader Rd | 0.27mi | 4/2.0 (+1) | 1,352 (+11%) | 0mo | $235,000 | $174 | 64 |
| 3825 Elkader Rd | 0.26mi | 4/2.0 (+1) | 1,352 (+11%) | 1mo | $275,000 | $203 | 64 |
| 3405 Greenway #302 | 0.64mi | 2/1.5 (-1) | 1,221 (+0%) | 1mo | $265,000 | $217 | 62 |
| 609 Melville Ave | 0.29mi | 4/2.0 (+1) | 1,364 (+12%) | 1mo | $120,000 | $88 | 60 |
| 4100 N Charles St #1110 | 0.67mi | 2/2.0 (-1) | 1,363 (+12%) | 0mo | $339,000 | $249 | 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 · 1.63% rent growth · sell at horizon
- IRR
- -10.0%
- Equity multiple
- 0.64×
- Total profit
- $-20,110
- Equity at exit
- $29,820
- IRR
- -2.5%
- Equity multiple
- 0.84×
- Total profit
- $-8,773
- Equity at exit
- $17,292
Cash invested: $55,999 (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 21218
- Rents YoY
- 1.6%
- Active inventory
- 330
- Price-to-rent
- 8.8×
Monthly cashflow live
- Estimated rent
- $1,897 high interval (Pro) →
- Mortgage (P&I)
- −$1,049
- Tax from tax record
- −$77 /mo · $918/yr
- Insurance
- −$83
- Flood insurance flood zone
- −$56 /mo · $666/yr
- HOA
- −$0
- Vacancy / Maint / Mgmt
- −$398
- Net cashflow
- $234
Break-even live
Sensitivity live
| Price | -10% $347 | -5% $291 | +0% $234 | +5% $178 | +10% $121 |
|---|---|---|---|---|---|
| Rent | -10% $84 | -5% $159 | +0% $234 | +5% $309 | +10% $384 |
| Rate | -1.0pp $335 | -0.5pp $285 | base $234 | +0.5pp $182 | +1.0pp $130 |
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
- $49,999
- Closing costs
- $6,000
- 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 |
|---|---|---|---|---|---|---|---|---|
| 612 Chestnut Hill Ave Unit 1 Baltimore, MD | 2.0 | 1.0 | 900 | $1,999 | $2.22 | 44d | 1 | 0.12mi |
| 3721 Ellerslie Ave Baltimore, MD | 1.0–3.0 | 1.0–2.0 | 894 | $1,603 | $1.79 | 2d | 1 | 0.14mi |
| 721 E 36th St Unit Na Baltimore, MD | 2.0 | 1.0 | 1156 | $1,650 | $1.43 | 44d | 1 | 0.29mi |
| 3529 Greenmount Ave Baltimore, MD | 3.0 | 2.0 | 1316 | $1,575 | $1.20 | 44d | 1 | 0.33mi |
| 724 E 35th St Baltimore, MD | 3.0 | 1.5 | 1368 | $2,000 | $1.46 | 15d | 1 | 0.37mi |
| 720 Springfield Ave Baltimore, MD | 3.0 | 1.0 | 1160 | $2,000 | $1.72 | 44d | 1 | 0.40mi |
| 815 Gilrubin Ct Baltimore, MD | 2.0 | 1.0 | 900 | $1,695 | $1.88 | 44d | 1 | 0.42mi |
| 956 Argonne Dr Baltimore, MD | 1.0–2.0 | 1.0 | 662 | $1,295 | $1.95 | 5d | 6 | 0.42mi |
| 812 Nat Ct Apt 12 Baltimore, MD | 2.0 | 1.0 | 900 | $1,295 | $1.44 | 44d | 1 | 0.44mi |
| 1040 E 33rd St Baltimore, MD | 1.0–2.0 | 1.0–2.0 | 775 | $1,525 | $1.97 | 3d | 10 | 0.51mi |
| 4407 Old York Rd Baltimore, MD | 3.0 | 1.5 | 1356 | $1,574 | $1.16 | 44d | 1 | 0.54mi |
| 4407 Old York Rd Baltimore, MD | 3.0 | 1.5 | 1356 | $1,574 | $1.16 | 21d | 1 | 0.54mi |
| 3601 Greenway #101 Baltimore, MD | 2.0 | 2.0 | 1470 | $2,700 | $1.84 | 5d | 1 | 0.54mi |
| 531 Willow Ave Unit Na Baltimore, MD | 4.0 | 1.0 | 1300 | $1,800 | $1.38 | 21d | 1 | 0.60mi |
| 1 E University Pkwy Baltimore, MD | 1.0–3.0 | 1.0–2.0 | 1045 | $2,500 | $2.39 | 5d | 2 | 0.62mi |
| 3501 Saint Paul St Baltimore, MD | 3.0 | 1.0–2.5 | 916 | $2,700 | $2.95 | 2d | 172 | 0.62mi |
| 3221 Guilford Ave Apt A Baltimore, MD | 3.0 | 1.5 | 1025 | $2,925 | $2.85 | 18d | 1 | 0.66mi |
| 835 E Cold Spring Ln Baltimore, MD | 2.0 | 1.5 | 997 | $1,400 | $1.40 | 24d | 1 | 0.67mi |
| 616 Montpelier St Baltimore, MD | 3.0 | 1.0 | 1150 | $1,750 | $1.52 | 11d | 1 | 0.67mi |
| 1504 Upshire Rd Unit 1E Baltimore, MD | 2.0 | 1.0 | 1000 | $1,400 | $1.40 | 44d | 1 | 0.68mi |
| 3811 Canterbury Rd Baltimore, MD | 2.0 | 1.0–2.0 | 975 | $2,495 | $2.56 | 13d | 5 | 0.69mi |
| 3130 Guilford Ave Apt B Baltimore, MD | 2.0 | 1.0 | 700 | $1,790 | $2.56 | 18d | 1 | 0.73mi |
| 3126 Guilford Ave Apt A Baltimore, MD | 2.0 | 1.0 | 700 | $1,770 | $2.53 | 4d | 1 | 0.73mi |
| 3201 Saint Paul St Baltimore, MD | 1.0–2.0 | 1.5–2.0 | 1532 | $3,200 | $2.09 | 3d | 1 | 0.74mi |
| 3026 Mathews St Baltimore, MD | 2.0 | 1.0 | 996 | $1,350 | $1.36 | 15d | 1 | 0.75mi |
| 3012 Mathews St Baltimore, MD | 2.0 | 1.0 | 996 | $1,100 | $1.10 | 18d | 1 | 0.77mi |
| 1502 Fernley Rd Baltimore, MD | 3.0 | 2.0 | 1350 | $2,800 | $2.07 | 44d | 1 | 0.78mi |
| 936 Montpelier St Baltimore, MD | 2.0 | 1.0 | 1260 | $1,450 | $1.15 | 24d | 1 | 0.79mi |
| 105 W 39th St Baltimore, MD | 2.0 | 1.0 | 753 | $2,250 | $2.99 | 5d | 1 | 0.79mi |
| 108 W 39th St Baltimore, MD | 2.0 | 1.0–2.0 | 1350 | $2,189 | $1.62 | 4d | 11 | 0.80mi |
| 3221 The Alameda Unit 2 Baltimore, MD | 2.0 | 1.0 | 750 | $1,200 | $1.60 | 24d | 1 | 0.87mi |
| 5001 Midwood Ave Apt 2A Baltimore, MD | 2.0 | 1.0 | 750 | $1,265 | $1.69 | 44d | 1 | 0.90mi |
| 436 Ilchester Ave Unit 1 Baltimore, MD | 2.0 | 2.0 | 1002 | $1,350 | $1.35 | 44d | 1 | 0.91mi |
| 1617 Argonne Dr Baltimore, MD | 4.0 | 2.0 | 1200 | $2,550 | $2.12 | 44d | 1 | 0.92mi |
| 2821 Mathews St Unit 27-668 Baltimore, MD | 2.0 | 1.0 | 730 | $1,050 | $1.44 | 24d | 1 | 0.93mi |
| 500 W University Pkwy Baltimore, MD | 3.0 | 1.0–2.0 | 955 | $3,020 | $3.16 | 2d | 60 | 0.94mi |
| 402 E 28th St Baltimore, MD | 3.0 | 1.0 | 1436 | $2,200 | $1.53 | 44d | 1 | 0.96mi |
| 1260 Rossiter Ave Baltimore, MD | 2.0 | 1.0 | 710 | $1,250 | $1.76 | 2d | 37 | 0.97mi |
| 519 E 28th St Baltimore, MD | 3.0 | 2.0 | 1500 | $2,000 | $1.33 | 5d | 1 | 0.97mi |
| 543 Chateau Ave Baltimore, MD | 3.0 | 2.0 | 1152 | $1,900 | $1.65 | 5d | 1 | 1.00mi |
Listing history 11 events
-
2026-06-07status $199,997 Pending 63 DOM
-
2026-06-04days on market $199,997 Active 63 DOM
-
2026-06-03days on market $199,997 Active 62 DOM
-
2026-06-02days on market $199,997 Active 61 DOM
-
2026-06-01days on market $199,997 Active 60 DOM
-
2026-05-31days on market $199,997 Active 59 DOM
-
2026-04-24price $199,997 1719-char remark
Show marketing remark (1719 chars)
Seller is willing to assist with buyer closing costs with an acceptable offer, creating an excellent opportunity to reduce out-of-pocket expenses and make homeownership more affordable. Classic Baltimore townhome with modern comfort and unmatched city connectivity. Welcome to this pristine 2-story townhouse offering 3 bedrooms and 3 full baths, perfectly positioned in a vibrant Baltimore neighborhood just moments from everything you need. This classic brick townhome features bright, spacious living areas, a well-designed layout, and a move-in-ready feel following a complete renovation. The home is equipped with a sleek, efficient kitchen ready for your personal touch, while the upper level includes cozy bedrooms with ample storage. The finished walkout basement is perfect for a recreation room, home office, or guest suite. Major updates include a new HVAC system, updated electrical and plumbing, and a new roof for added peace of mind. The home also features new luxury vinyl plank flooring, granite countertops, and refreshed finishes throughout. Outdoor improvements feature a new deck, fence, and professional landscaping, creating inviting exterior spaces to enjoy. Situated near Greenmount Avenue and E 38th Street, you’ll enjoy quick access to major commuter routes, including I-83 and downtown Baltimore. Just minutes away, you’ll find Johns Hopkins University, Wyman Park, and Mullan Park, offering green spaces, walking paths, and outdoor recreation. If you're commuting, exploring local parks, or enjoying the surrounding community, this home delivers a balanced lifestyle with accessibility and comfort at its core. Some images may reflect virtual staging, to help showcase the home.
-
2026-04-16price $215,000 1719-char remark
Show marketing remark (1719 chars)
Seller is willing to assist with buyer closing costs with an acceptable offer, creating an excellent opportunity to reduce out-of-pocket expenses and make homeownership more affordable. Classic Baltimore townhome with modern comfort and unmatched city connectivity. Welcome to this pristine 2-story townhouse offering 3 bedrooms and 3 full baths, perfectly positioned in a vibrant Baltimore neighborhood just moments from everything you need. This classic brick townhome features bright, spacious living areas, a well-designed layout, and a move-in-ready feel following a complete renovation. The home is equipped with a sleek, efficient kitchen ready for your personal touch, while the upper level includes cozy bedrooms with ample storage. The finished walkout basement is perfect for a recreation room, home office, or guest suite. Major updates include a new HVAC system, updated electrical and plumbing, and a new roof for added peace of mind. The home also features new luxury vinyl plank flooring, granite countertops, and refreshed finishes throughout. Outdoor improvements feature a new deck, fence, and professional landscaping, creating inviting exterior spaces to enjoy. Situated near Greenmount Avenue and E 38th Street, you’ll enjoy quick access to major commuter routes, including I-83 and downtown Baltimore. Just minutes away, you’ll find Johns Hopkins University, Wyman Park, and Mullan Park, offering green spaces, walking paths, and outdoor recreation. If you're commuting, exploring local parks, or enjoying the surrounding community, this home delivers a balanced lifestyle with accessibility and comfort at its core. Some images may reflect virtual staging, to help showcase the home.
-
2026-04-02$235,000 Active 1719-char remark
Show marketing remark (1719 chars)
Seller is willing to assist with buyer closing costs with an acceptable offer, creating an excellent opportunity to reduce out-of-pocket expenses and make homeownership more affordable. Classic Baltimore townhome with modern comfort and unmatched city connectivity. Welcome to this pristine 2-story townhouse offering 3 bedrooms and 3 full baths, perfectly positioned in a vibrant Baltimore neighborhood just moments from everything you need. This classic brick townhome features bright, spacious living areas, a well-designed layout, and a move-in-ready feel following a complete renovation. The home is equipped with a sleek, efficient kitchen ready for your personal touch, while the upper level includes cozy bedrooms with ample storage. The finished walkout basement is perfect for a recreation room, home office, or guest suite. Major updates include a new HVAC system, updated electrical and plumbing, and a new roof for added peace of mind. The home also features new luxury vinyl plank flooring, granite countertops, and refreshed finishes throughout. Outdoor improvements feature a new deck, fence, and professional landscaping, creating inviting exterior spaces to enjoy. Situated near Greenmount Avenue and E 38th Street, you’ll enjoy quick access to major commuter routes, including I-83 and downtown Baltimore. Just minutes away, you’ll find Johns Hopkins University, Wyman Park, and Mullan Park, offering green spaces, walking paths, and outdoor recreation. If you're commuting, exploring local parks, or enjoying the surrounding community, this home delivers a balanced lifestyle with accessibility and comfort at its core. Some images may reflect virtual staging, to help showcase the home.
-
2026-03-25historical $235,000 1719-char remark
Show marketing remark (1719 chars)
Seller is willing to assist with buyer closing costs with an acceptable offer, creating an excellent opportunity to reduce out-of-pocket expenses and make homeownership more affordable. Classic Baltimore townhome with modern comfort and unmatched city connectivity. Welcome to this pristine 2-story townhouse offering 3 bedrooms and 3 full baths, perfectly positioned in a vibrant Baltimore neighborhood just moments from everything you need. This classic brick townhome features bright, spacious living areas, a well-designed layout, and a move-in-ready feel following a complete renovation. The home is equipped with a sleek, efficient kitchen ready for your personal touch, while the upper level includes cozy bedrooms with ample storage. The finished walkout basement is perfect for a recreation room, home office, or guest suite. Major updates include a new HVAC system, updated electrical and plumbing, and a new roof for added peace of mind. The home also features new luxury vinyl plank flooring, granite countertops, and refreshed finishes throughout. Outdoor improvements feature a new deck, fence, and professional landscaping, creating inviting exterior spaces to enjoy. Situated near Greenmount Avenue and E 38th Street, you’ll enjoy quick access to major commuter routes, including I-83 and downtown Baltimore. Just minutes away, you’ll find Johns Hopkins University, Wyman Park, and Mullan Park, offering green spaces, walking paths, and outdoor recreation. If you're commuting, exploring local parks, or enjoying the surrounding community, this home delivers a balanced lifestyle with accessibility and comfort at its core. Some images may reflect virtual staging, to help showcase the home.
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1983-07-19soldstatus $30,000
ⓘ 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
- $918 · $77/mo
- Projected year-2 tax
- $1,549 · $129/mo
- Expected delta
- +$631/yr (+$53/mo · 68.7%)
ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.
Climate risk First Street
- Flood 8/10 Severe FEMA zone X (unshaded) · 99% chance over 30 yrs
- Wildfire 1/10 Low
- Heat 7/10 Severe 7 d/yr ≥103°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
- $22,762
- − Mortgage interest
- −$11,203
- − Property taxes
- −$918
- − Insurance
- −$1,666
- − Repairs & maintenance
- −$1,821
- − Management
- −$1,821
- − Depreciation
- −$5,818
- Taxable loss
- −$486
- Est. tax savings @ 24.0%
- +$117
- After-tax cash flow
- $2,928/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)
- 44,014
- Household income
- $62,488
- Rent vs Own
- Severe rent burden
- 2564.0
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 0.58)
- Race & ethnicity
- Black 60% White 26% Two or more races 6% Hispanic / Latino 5% Asian 5%
- Hispanic origin (detail)
- Common ancestry
- Romanian 2% Italian 1% Scotch-Irish 1%
- Foreign-born
- 10% · Canada, China, South Korea
- Languages at home
- 87% English-only · Spanish 4% French/Haitian/Cajun 2% Chinese 2%
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
- ▼ -463.14%
- Current HPI
- 292.3986
- Rent YoY
- ▲ 1.63%
- 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
+566.7% since first listed5 events — show timeline
- 2026-04-24 Price Changed $199,997 BRIGHT MLS
- 2026-04-16 Price Changed $215,000 BRIGHT MLS
- 2026-04-02 Listed $235,000 BRIGHT MLS
- 2026-03-25 Coming Soon $235,000 BRIGHT MLS
- 1983-07-19 Sold (Public Records) $30,000 Public Records
Property tax history
-6.2%/yrLatest (2025): $918 · -65.8% YoY. Source: county tax records.
Cash-flow waterfall
monthlySold comps — $/sqft
last 12 mo · ≤1 miLoading sold comps…