4409 Wentworth Rd · Baltimore, MD 21207

$400,000

5 bd · 4.5 ba · 2,175 sqft · SingleFamily public records · 31 Days on market

Built 1926 7,500 sqft lot Est $331k · 21% over

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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).

• Cash flow +10.6/30.0
• Appreciation +9.8/10.0
• Rent growth +3.8/5.0
• Livability +3.8/5.0
• DSCR +3.1/10.0
• 1% rule +2.6/10.0
• Condition / age +2.5/5.0
• Schools +1.0/10.0
• ARV discount +0.0/15.0

Listing remarks MLS

LARGE PORCH FRONT FOREST PARK RENOVATION by DIAMOND PROPERTIES W/ 4 FINISHED LEVELS - this complete renovation features over 2600 sq ft of living space with an open floor plan offering hardwood floors throughout the main level, spacious living room w/ fireplace insert, separate dining and designer island kitchen w/ quartz counter tops, ss appliances, large pantry and convenient half bathroom leading to huge rear deck, fenced yard and two car off street parking pad. The upper levels features a total of 4 bedrooms, stylish 2nd level owner suite with walk-in closet & luxurious bathroom and 3rd floor bedroom & full bathroom suite. The finished walkout lower level offers an abundance of additional living space with bedroom, club room and laundry room. The renovation was fully permitted, inspected and conveys with a use & occupancy permit. Buy with confidence with a strong builder's warranty!

Key facts

• Quartz countertops
• Generous pantry
• Large front porch

Tags

• LARGE FRONT PORCH
• OPEN MAIN-LEVEL FLOOR PLAN
• UPDATED ISLAND KITCHEN
• QUARTZ COUNTERTOPS
• STAINLESS STEEL APPLIANCES
• GENEROUS PANTRY

Property features AI

Finance

• Other: Ownership interest listed as ground rent; Income/expense entry lists annual ground rent
• Financial info: Ground rent amount semi-annually

Exterior

• Parking: Two off-street parking spaces; Concrete private driveway
• Utilities: Public water; Public sewer; Electric hot water; 200+ amp electrical service; Natural gas heating
• Home design: Detached property; Major remodel or effective year 2023; Year built recorded by assessor
• Construction: Vinyl siding; Shingle roof; Permanent foundation; Fully finished basement; Below-grade finished and unfinished areas present
• Exterior features: Wood fencing; Not in a federal flood zone; Ground rent exists (semi-annual payment)

Interior

• Kitchen: Microwave; Wall oven; Refrigerator; Dishwasher; Exhaust fan
• Bedrooms: Three bedrooms on the first upper level; One bedroom on the second upper level; One bedroom on the first lower level
• Bathrooms: Three full bathrooms on upper levels; One full bathroom on first lower level; One half bathroom on the main level; Total of four full bathrooms and one half bathroom
• Heating & cooling: 90% efficient forced air heating; Central air conditioning
• Interior features: Ceiling fans
• Laundry & utility: Washer and dryer; Laundry located in the basement

What this means for you Summary

Snapshot

• This is a 5-bed/4.5-bath single-family listed at $400k.

Deal economics

• At list price, monthly cash flow is $-199 ($-2k/yr) — negative.
• To cash-flow at today's rent, offer at most $365k (8.8% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $303k (24.2% below list).
• Recommended offer: $303k (24.2% 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: Calvin M. Rodwell Elementary/Middle (math 0% / reading 9%, grade F, #803 of 860 statewide, top 94%, 841 students, 75% FRL); Vanguard Collegiate Middle (math 3% / reading 15%, grade F, #212 of 225 statewide, top 95%, 343 students, 84% FRL); Baltimore Polytechnic Institute (math 71% / reading 84%, grade A-, #22 of 222 statewide, top 10%, 1,555 students, 43% FRL).
• Zoned-school proficiency averages 30% at this address vs 12% district-wide (+19 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 rising fast (+5.2%/yr); 131 active listings in the ZIP; 4 comparable units currently listed for rent nearby; rentals lingering (median 46d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 75% of comp listings sitting > 30 days — soft ceiling on asking rent; 1,273 units permitted in Baltimore city in 2024 (1,104 in 5+ unit buildings).
• At $3,031/mo this rent would consume 54% of the median local household income ($67k/yr) (locally 2139% of renters already pay >50% of income on rent) — very limited rent-growth headroom before tenants either downsize or default.

Forward outlook

• In year one you build about $41k of equity ($3k loan paydown + $38k appreciation (9.5% local appreciation)).
• Baltimore County population projected to shrink 4% by 2050 — rents likely to lag national; underwrite the cash flow, not the appreciation.
• By year 2, paydown + projected appreciation supports a ~$65k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• It's been on market 31 days — a 3% lower offer ($388k) is reasonable based on typical stale-listing flexibility.
• 7 sale attempts since 23y ago; this cycle's ask has dropped $30k (7%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Risks & watch-outs

• Watch-outs: built in 1926 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: moderate flood risk; moderate wind risk, 23% 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.

Recommended offer $303,131 (24.2% 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 31 days. Have you received any prior offers? Is the seller open to a 24% concession, seller financing, or rate buy-down credit?
3. Built in 1926 — 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. 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?
6. 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?
7. 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?
8. 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.
9. 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.
10. 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: 0.76% ✗
• Cap rate: 5.70%
• Cash-on-cash: -2.13%
• DSCR: 0.91
• GRM: 11.0

CMA / ARV

• ARV (on-the-fly): $330,600
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
4003 Springdale Ave	0.38mi	6/3.0 (+1)	2,175 (0%)	2mo	$200,000	$92	69
4213 Springdale Ave	0.21mi	5/3.0	2,002 (-8%)	3mo	$370,000	$185	69
4504 Norfolk Ave	0.27mi	4/2.5 (-1)	2,067 (-5%)	0mo	$267,000	$129	66
4315 Springdale Ave	0.16mi	5/2.5	1,928 (-11%)	1mo	$160,000	$83	65
4310 Norfolk Ave	0.29mi	6/3.0 (+1)	1,990 (-8%)	4mo	$342,000	$172	58
4011 Maine Ave	0.40mi	5/3.0	2,355 (+8%)	6mo	$184,000	$78	56
4511 Prospect Cir	0.67mi	5/2.0	2,280 (+5%)	1mo	$365,000	$160	50
3708 Mohawk Ave	0.54mi	5/4.0	2,468 (+14%)	3mo	$375,000	$152	48
3221 Milford Ave	0.39mi	5/2.0	1,915 (-12%)	5mo	$289,000	$151	48
3911 Chatham Rd	0.63mi	5/2.5	2,407 (+11%)	5mo	$370,000	$154	40
4900 Haddon Ave	0.61mi	4/3.5 (-1)	2,470 (+14%)	6mo	$425,000	$172	35
4203 Oakford Ave	0.72mi	4/2.0 (-1)	1,867 (-14%)	4mo	$150,000	$80	24

Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.

Projected returns pro-forma

9.5% appreciation · 5.23% rent growth · sell at horizon

5-year hold

• IRR: 22.4%
• Equity multiple: 2.77×
• Total profit: $198,420
• Equity at exit: $345,843

10-year hold

• IRR: 20.6%
• Equity multiple: 6.41×
• Total profit: $606,344
• Equity at exit: $730,906

Cash invested: $112,000 (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

Just-cause for tenancies > 1 yr.

Methodology + full state rankings →

ZIP-level market 21207

• Home prices YoY: 1.1%
• Rents YoY: 5.2%
• Active inventory: 131
• Price-to-rent: 11.0×

Monthly cashflow live

• Estimated rent: $3,031 medium
• Mortgage (P&I): −$2,098
• Tax from tax record: −$330 /mo · $3,955/yr
• Insurance: −$167
• HOA: −$0
• Vacancy / Maint / Mgmt: −$637
• Net cashflow: $-199

Break-even live

Break-even rent $3,283

Max offer price $364,813

Occupancy floor —

Sensitivity live

Price	-10% $27	-5% $-86	+0% $-199	+5% $-312	+10% $-426
Rent	-10% $-439	-5% $-319	+0% $-199	+5% $-79	+10% $40
Rate	-1.0pp $2	-0.5pp $-97	base $-199	+0.5pp $-303	+1.0pp $-408

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: $100,000
• Closing costs: $12,000
• Reserves months: —
• Total cash needed: —

Rent comps 4 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
4029 Fairview Ave Baltimore, MD	5.0	4.5	2653	$3,200	$1.21	45d	1	0.54mi
2510 Roslyn Ave Baltimore, MD	6.0	5.0	2663	$4,200	$1.58	45d	1	1.08mi
3204 Sequoia Ave Baltimore, MD	4.0	2.5	1791	$2,600	$1.45	45d	1	1.50mi
4037 Cedardale Rd Baltimore, MD	5.0	3.0	1500	$2,800	$1.87	16d	1	1.50mi

Listing history 35 events

1. 2026-06-21
   days on market $400,000 Active 31 DOM
2. 2026-06-18
   days on market $400,000 Active 28 DOM
3. 2026-06-17
   days on market $400,000 Active 27 DOM
4. 2026-06-16
   days on market $400,000 Active 26 DOM
5. 2026-06-15
   days on market $400,000 Active 25 DOM
6. 2026-06-13
   days on market $400,000 Active 23 DOM
7. 2026-06-10
   price $400,000 Active 19 DOM
8. 2026-06-09
   days on market $430,000 Active 19 DOM
9. 2026-06-08
   days on market $430,000 Active 18 DOM
10. 2026-06-07
    days on market $430,000 Active 17 DOM
11. 2026-06-04
    days on market $430,000 Active 14 DOM
12. 2026-06-03
    days on market $430,000 Active 13 DOM
13. 2026-06-02
    days on market $430,000 Active 12 DOM
14. 2026-06-01
    days on market $430,000 Active 11 DOM
15. 2026-05-31
    days on market $430,000 Active 10 DOM
16. 2026-05-21
    listed $430,000 Active
17. 2023-04-28
    soldstatus $412,000 Closed 917-char remark

    Show marketing remark (917 chars)

    LARGE PORCH FRONT FOREST PARK RENOVATION by DIAMOND PROPERTIES W/ 4 FINISHED LEVELS - this complete renovation features over 2600 sq ft of living space with an open floor plan offering hardwood floors throughout the main level, spacious living room w/ fireplace insert, separate dining and designer island kitchen w/ quartz counter tops, ss appliances, large pantry and convenient half bathroom leading to huge rear deck, fenced yard and two car off street parking pad. The upper levels features a total of 4 bedrooms, stylish 2nd level owner suite with walk-in closet & luxurious bathroom and 3rd floor bedroom & full bathroom suite. The finished walkout lower level offers an abundance of additional living space with bedroom, club room and laundry room. The renovation was fully permitted, inspected and conveys with a use & occupancy permit. Buy with confidence with a strong builder's warranty!

18. 2023-04-08
    status Pending 917-char remark

    Show marketing remark (917 chars)

    LARGE PORCH FRONT FOREST PARK RENOVATION by DIAMOND PROPERTIES W/ 4 FINISHED LEVELS - this complete renovation features over 2600 sq ft of living space with an open floor plan offering hardwood floors throughout the main level, spacious living room w/ fireplace insert, separate dining and designer island kitchen w/ quartz counter tops, ss appliances, large pantry and convenient half bathroom leading to huge rear deck, fenced yard and two car off street parking pad. The upper levels features a total of 4 bedrooms, stylish 2nd level owner suite with walk-in closet & luxurious bathroom and 3rd floor bedroom & full bathroom suite. The finished walkout lower level offers an abundance of additional living space with bedroom, club room and laundry room. The renovation was fully permitted, inspected and conveys with a use & occupancy permit. Buy with confidence with a strong builder's warranty!

19. 2023-03-24
    listed $425,000 Active 917-char remark

    Show marketing remark (917 chars)

    LARGE PORCH FRONT FOREST PARK RENOVATION by DIAMOND PROPERTIES W/ 4 FINISHED LEVELS - this complete renovation features over 2600 sq ft of living space with an open floor plan offering hardwood floors throughout the main level, spacious living room w/ fireplace insert, separate dining and designer island kitchen w/ quartz counter tops, ss appliances, large pantry and convenient half bathroom leading to huge rear deck, fenced yard and two car off street parking pad. The upper levels features a total of 4 bedrooms, stylish 2nd level owner suite with walk-in closet & luxurious bathroom and 3rd floor bedroom & full bathroom suite. The finished walkout lower level offers an abundance of additional living space with bedroom, club room and laundry room. The renovation was fully permitted, inspected and conveys with a use & occupancy permit. Buy with confidence with a strong builder's warranty!

20. 2023-03-10
    historical $425,000 917-char remark

    Show marketing remark (917 chars)

    LARGE PORCH FRONT FOREST PARK RENOVATION by DIAMOND PROPERTIES W/ 4 FINISHED LEVELS - this complete renovation features over 2600 sq ft of living space with an open floor plan offering hardwood floors throughout the main level, spacious living room w/ fireplace insert, separate dining and designer island kitchen w/ quartz counter tops, ss appliances, large pantry and convenient half bathroom leading to huge rear deck, fenced yard and two car off street parking pad. The upper levels features a total of 4 bedrooms, stylish 2nd level owner suite with walk-in closet & luxurious bathroom and 3rd floor bedroom & full bathroom suite. The finished walkout lower level offers an abundance of additional living space with bedroom, club room and laundry room. The renovation was fully permitted, inspected and conveys with a use & occupancy permit. Buy with confidence with a strong builder's warranty!

21. 2022-10-13
    historical
22. 2022-10-06
    listed $199,000 Active
23. 2022-09-29
    soldstatus $172,000
24. 2008-05-06
    historical
25. 2008-02-08
    listed
26. 2004-12-10
    soldstatus $140,000
27. 2004-11-15
    soldstatus $140,000
28. 2004-11-01
    historical
29. 2004-10-18
    historical
30. 2004-10-11
    listed $146,900
31. 2004-07-08
    listed
32. 2003-11-30
    soldstatus $57,500
33. 2003-09-25
    historical
34. 2003-09-08
    listed $49,000
35. 1991-08-15
    soldstatus $74,000

ⓘ 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: $3,955 · $330/mo
• Projected year-2 tax: $4,158 · $346/mo
• Expected delta: +$202/yr (+$17/mo · 5.1%)

ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.

Climate risk First Street

• 🌊 Flood 5/10 Major FEMA zone X (unshaded) · 65% 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 5/10 Major 23% chance of damaging wind over 30 yrs
• 🫁 Air quality 3/10 Moderate 3 unhealthy d/yr today · 4 by 30 yrs out

Taxation est. · year 1

• Rental income: $36,376
• − Mortgage interest: −$22,406
• − Property taxes: −$3,955
• − Insurance: −$2,000
• − Repairs & maintenance: −$2,910
• − Management: −$2,910
• − Depreciation: −$11,636
• Taxable loss: −$9,442
• Est. tax savings @ 24.0%: +$2,266
• After-tax cash flow: $-124/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

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Baltimore, MD
• County: Baltimore County · 769,527 people
• City population: 588,727
• Metro: Baltimore-Columbia-Towson, MD
• Population (ZIP): 47,099
• Household income: $67,060
• Rent vs Own: 39.3% rent · 60.7% own
• Severe rent burden: 2139.0

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: Predominantly Black (78%)
• Race & ethnicity: Black 78% White 8% Hispanic / Latino 7% Two or more races 5% Asian 3%
• Hispanic origin (detail): Puerto Rican 1%
• Common ancestry: Swedish 1%
• Foreign-born: 13% · Canada, Philippines, South Korea
• Languages at home: 86% English-only · Spanish 4% French/Haitian/Cajun 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: ▲ 9.50%
• Current HPI: 843.63
• Rent YoY: ▲ 5.23%
• 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
▸Utilities	1	$25B
▸Hotels	1	$24B
▸Consumer Goods	1	$7B
▸Real Estate	1	$6B
▸Chemicals	1	$2B

Price history

+481.1% since first listed

20 events — show timeline

• 2026-05-21 Listed $430,000 BRIGHT MLS
• 2023-04-28 Sold (MLS) $412,000 BRIGHT MLS
• 2023-04-08 Pending — BRIGHT MLS
• 2023-03-24 Listed $425,000 BRIGHT MLS
• 2023-03-10 Coming Soon $425,000 BRIGHT MLS
• 2022-10-13 Listing Removed — BRIGHT MLS
• 2022-10-06 Listed $199,000 BRIGHT MLS
• 2022-09-29 Sold (Public Records) $172,000 Public Records
• 2008-05-06 Delisted — MRIS
• 2008-02-08 Listed — MRIS
• 2004-12-10 Sold (Public Records) $140,000 Public Records
• 2004-11-15 Sold (MLS) $140,000 MRIS
• 2004-11-01 Delisted — MRIS
• 2004-10-18 Delisted — MRIS
• 2004-10-11 Listed $146,900 MRIS
• 2004-07-08 Listed — MRIS
• 2003-11-30 Sold (MLS) $57,500 MRIS
• 2003-09-25 Delisted — MRIS
• 2003-09-08 Listed $49,000 MRIS
• 1991-08-15 Sold (Public Records) $74,000 Public Records

Property tax history

+2.8%/yr

Latest (2025): $3,955 · +4.4% YoY. Source: county tax records.