8338 Loch Raven Blvd · Towson, 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 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
- 3 days/yr
- Unhealthy air days in 30 yrs
- 6 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).
- Cash flow +13.8/30.0
- ARV discount +10.6/15.0
- Livability +4.3/5.0
- DSCR +4.2/10.0
- Rent growth +3.9/5.0
- 1% rule +3.4/10.0
- Condition / age +2.5/5.0
- Schools +2.3/10.0
- Appreciation +0.0/10.0
$274,900
🖨 Deal sheet 📄 Offer letter ✓ Due diligence
Listing remarks MLS
REDUCED !!!CLASSIC BRICK COLONIAL STYLE 3 BED TOWHOUSE WITH BAY WINDOW FOR AMAZING NATURAL LIGHT. ON SIDE SERVICE RD— 2021 HVAC SYSTEM, UPDATE KITCHEN WITH NEW DISH WASHER, FRONT PORCH, HARDWOOD FLOORING ON MAIN AND UPPER LEVELS. . SPACIOUS LIVING ROOM. FINISHED BASEMENT WITH EXIT TO THE BACKYARD, HUGE KNOTTY PINE FAM ROOM W/ BUILT IN BOOKCASES, STORAGE SEATS, PERGO FLOOR ON LOWER LEVEL-- ENJOY A SPECIAL HOME!!!! FULLY FENCED BACKYARD AND A LARGE PAVER PATIO FOR ENTERTAINING, SHED IN THE BACK. NO HOA, NO GROUND RENT , AS-IS SALE. DON'T MISS THIS OPPORTUNITY TO SEE THIS BEAUTY
Key facts
- Built 1952
- Listed 31 days
Property features AI
Exterior
- Parking: On-street parking
- Utilities: Public water; Public sewer; Electric for cooling
- Home design: Interior townhouse/rowhouse; Estimated year built
- Construction: Brick construction; Brick/mortar foundation
- Exterior features: Fully finished basement; Above-grade and below-grade structures; Shed on the property
Interior
- Kitchen: Dishwasher; Refrigerator; Stove
- Bedrooms: Three bedrooms on the upper level
- Bathrooms: One full bathroom; One half bathroom
- Heating & cooling: Central heating; Central air conditioning; Natural gas heating and hot water
- Interior features: Ceiling fans; Dining area
- Laundry & utility: Laundry located in the basement
Neighborhood map
What this means for you Summary
Snapshot
- This is a 3-bed/1.5-bath townhouse listed at $275k.
Deal economics
- At list price, monthly cash flow is $27 ($325/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 $231k (15.8% below list).
- Recommended offer: $231k (15.8% below list) — sets the bar for 1% rule.
- Cap rate 6.4% vs local median 3.2% in Towson — 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 86/100 on livability (#11 in MD, #338 nationally) — a professional / high-income tenant draw. Strengths: amenities A+, commute A+, employment A+; Watch: crime C-, cost of living F.
- Baltimore County Public Schools (suburban): math 15% / reading 34% proficiency, ranked #11 of 24 in MD (top 46%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover.
- Market conditions: Rents rising fast (+5.4%/yr); 74 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals at typical pace (median 24d on market — plan ~3-4 weeks tenant-placement turnaround); 48% of comp listings sitting > 30 days — soft ceiling on asking rent; solid renter incomes; 1,511 units permitted in Baltimore County in 2024 (643 in 5+ unit buildings).
Forward outlook
- Local home prices are declining (-3.0%/yr); year-one equity from $2k of loan paydown is wiped out by about $8k of value loss. Plan a longer hold.
- Baltimore County population projected at +12% by 2050 — modest demand growth; plan on rents tracking national, not racing it.
Negotiation context
- It's been on market 31 days — a 3% lower offer ($267k) is reasonable based on typical stale-listing flexibility.
- 8 sale attempts since 25y 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 1952 — 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
- It's been on market 31 days. Have you received any prior offers? Is the seller open to a 16% concession, seller financing, or rate buy-down credit?
- Built in 1952 — 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 A-rated — typically a magnet for longer-tenancy family renters. What's the average tenant stay here, and is there a school-zone premium baked into asking?
- 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
- 0.84% ✗
- Cap rate
- 6.41%
- Cash-on-cash
- 0.42%
- DSCR
- 1.02
- GRM
- 9.9
CMA / ARV
- ARV (on-the-fly)
- $295,515
- Comps found
- 12
Show comp detail 12 sales within ~0.75 mi
| Address | Dist | Beds/Ba | Sqft | Sold | Price | $/sf | Match |
|---|---|---|---|---|---|---|---|
| 1844 Deveron Rd | 0.25mi | 3/2.0 | 1,520 (+2%) | 1mo | $305,000 | $201 | 82 |
| 8415 Pleasant Plns | 0.15mi | 3/1.5 | 1,620 (+9%) | 2mo | $291,000 | $180 | 76 |
| 8508 Drumwood Rd | 0.35mi | 3/2.0 | 1,440 (-3%) | 2mo | $390,000 | $271 | 75 |
| 1551 Putty Hill Ave | 0.24mi | 3/2.0 | 1,580 (+6%) | 2mo | $335,000 | $212 | 74 |
| 8204 Pleasant Plains Rd | 0.25mi | 3/2.0 | 1,580 (+6%) | 3mo | $285,000 | $180 | 74 |
| 1603 Thetford Rd | 0.16mi | 3/2.0 | 1,620 (+9%) | 3mo | $338,000 | $209 | 73 |
| 8334 Wyton Rd | 0.06mi | 3/1.5 | 1,275 (-14%) | 1mo | $270,000 | $212 | 73 |
| 8301 Kendale Rd | 0.46mi | 3/1.5 | 1,408 (-5%) | 1mo | $280,000 | $199 | 69 |
| 1313 Taylor Ave | 0.50mi | 4/3.0 (+1) | 1,496 (+1%) | 1mo | $190,000 | $127 | 64 |
| 1637 Cottage Ln | 0.18mi | 3/2.0 | 1,705 (+15%) | 3mo | $300,000 | $176 | 63 |
| 1770 Weston Ave | 0.56mi | 3/1.5 | 1,396 (-6%) | 2mo | $239,000 | $171 | 62 |
| 1738 Redwood | 0.63mi | 3/2.0 | 1,632 (+10%) | 1mo | $255,000 | $156 | 52 |
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 · 5.41% rent growth · sell at horizon
- IRR
- -13.1%
- Equity multiple
- 0.52×
- Total profit
- $-37,100
- Equity at exit
- $40,988
- IRR
- -0.9%
- Equity multiple
- 0.93×
- Total profit
- $-5,410
- Equity at exit
- $23,768
Cash invested: $76,972 (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
ZIP-level market 21286
- Rents YoY
- 5.4%
- Active inventory
- 74
- Price-to-rent
- 9.9×
Monthly cashflow live
- Estimated rent
- $2,315 high interval (Pro) →
- Mortgage (P&I)
- −$1,442
- Tax from tax record
- −$245 /mo · $2,945/yr
- Insurance
- −$115
- HOA
- −$0
- Vacancy / Maint / Mgmt
- −$486
- Net cashflow
- $27
Break-even live
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
- $68,725
- Closing costs
- $8,247
- 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 |
|---|---|---|---|---|---|---|---|---|
| 8339 Wyton Rd Towson, MD | 4.0 | 2.0 | 1520 | $2,534 | $1.67 | 23d | 1 | 0.03mi |
| 8402 Greenway Rd Towson, MD | 3.0 | 1.0 | 708 | $1,595 | $2.25 | 2d | 24 | 0.09mi |
| 1612 Hardwick Rd Towson, MD | 4.0 | 2.0 | 1275 | $2,450 | $1.92 | 2d | 1 | 0.13mi |
| 8309 Pleasant Plains Rd Towson, MD | 3.0 | 1.0 | 1350 | $3,000 | $2.22 | 43d | 1 | 0.14mi |
| 1621 Thetford Rd Towson, MD | 3.0 | 1.5 | 1080 | $2,350 | $2.18 | 43d | 1 | 0.14mi |
| 1809 Glen Ridge Rd Towson, MD | 3.0 | 1.5 | 1640 | $2,100 | $1.28 | 43d | 1 | 0.23mi |
| 8505 Pleasant Plains Rd Towson, MD | 3.0 | 2.0 | 1580 | $2,500 | $1.58 | 17d | 1 | 0.26mi |
| 1717 Northview Rd Parkville, MD | 3.0 | 1.5 | 1260 | $1,980 | $1.57 | 5d | 1 | 0.30mi |
| 8130 Kirkwall Ct Towson, MD | 3.0 | 1.5 | 1280 | $2,625 | $2.05 | 23d | 1 | 0.32mi |
| 1929 Edgewood Rd Unit 1929 Towson, MD | 3.0 | 2.0 | 1700 | $2,350 | $1.38 | 11d | 1 | 0.34mi |
| 8340 Edgedale Rd Parkville, MD | 3.0 | 2.0 | 1260 | $2,400 | $1.90 | 5d | 1 | 0.39mi |
| 8616 Pleasant Plains Rd Towson, MD | 3.0 | 2.0 | 1580 | $2,490 | $1.58 | 14d | 1 | 0.41mi |
| 1644 Yakona Rd Towson, MD | 3.0 | 2.0 | 1600 | $2,500 | $1.56 | 17d | 1 | 0.45mi |
| 1274 E Joppa Rd Towson, MD | 2.0 | 1.0–2.0 | 990 | $2,873 | $2.90 | 1d | 18 | 0.49mi |
| 8525 Chestnut Oak Rd Parkville, MD | 4.0 | 2.0 | 1178 | $1,995 | $1.69 | 43d | 1 | 0.49mi |
| 1329 Taylor Ave Parkville, MD | 2.0 | 1.0 | 1636 | $1,599 | $0.98 | 43d | 1 | 0.51mi |
| 1745 Amuskai Rd Parkville, MD | 2.0 | 2.0 | 1260 | $1,975 | $1.57 | 43d | 1 | 0.53mi |
| 1726 Redwood Ave Parkville, MD | 4.0 | 2.0 | 1435 | $2,250 | $1.57 | 17d | 1 | 0.59mi |
| 1714 Pin Oak Rd Parkville, MD | 3.0 | 1.0 | 1534 | $2,800 | $1.83 | 5d | 1 | 0.61mi |
| 8451 Water Oak Rd Parkville, MD | 3.0 | 2.0 | 1054 | $1,950 | $1.85 | 43d | 1 | 0.63mi |
| 8623 Willow Oak Rd Parkville, MD | 3.0 | 2.0 | 1395 | $2,700 | $1.94 | 43d | 1 | 0.65mi |
| 1726 Yakona Rd Unit A Parkville, MD | 3.0 | 1.0 | 1865 | $1,400 | $0.75 | 43d | 1 | 0.65mi |
| 7605 Hillendale Rd Parkville, MD | 2.0 | 1.0 | 1050 | $1,255 | $1.20 | 43d | 1 | 0.65mi |
| 1332 Deanwood Rd Parkville, MD | 3.0 | 2.0 | 1046 | $2,500 | $2.39 | 44d | 1 | 0.66mi |
| 8533 Oak Rd Parkville, MD | 3.0 | 2.0 | 1480 | $2,100 | $1.42 | 43d | 1 | 0.66mi |
| 1376 Halstead Rd Parkville, MD | 3.0 | 1.0 | 1440 | $2,400 | $1.67 | 23d | 1 | 0.69mi |
| 7906 Bon Air Rd Parkville, MD | 3.0 | 1.0 | 912 | $2,200 | $2.41 | 43d | 1 | 0.70mi |
| 8650 Rock Oak Rd Parkville, MD | 4.0 | 2.0 | 1800 | $3,108 | $1.73 | 43d | 1 | 0.71mi |
| 8617 Oak Rd Parkville, MD | 3.0 | 1.5 | 1208 | $2,100 | $1.74 | 5d | 1 | 0.75mi |
| 6906 Donachie Rd Baltimore, MD | 3.0 | 1.0–2.0 | 904 | $2,363 | $2.61 | 3d | 37 | 0.76mi |
| 5 Fellowship Ct Towson, MD | 1.0–2.0 | 1.0–2.0 | 865 | $2,099 | $2.43 | 2d | 6 | 0.79mi |
| 1000 E Joppa Rd Towson, MD | 1.0–2.0 | 1.0 | 803 | $1,830 | $2.28 | 5d | 4 | 0.82mi |
| 1127 Deanwood Rd Parkville, MD | 3.0 | 2.0 | 1730 | $2,350 | $1.36 | 43d | 1 | 0.82mi |
| 34 Dowling Cir Parkville, MD | 1.0–2.0 | 1.0 | 874 | $1,465 | $1.68 | 1d | 36 | 0.84mi |
| 1870 Yakona Rd Parkville, MD | 4.0 | 2.0 | 1080 | $2,400 | $2.22 | 43d | 1 | 0.89mi |
| 931 Beaverbank Cir Towson, MD | 3.0 | 2.0 | 1725 | $2,500 | $1.45 | 43d | 1 | 0.90mi |
| 1610 Wentworth Ave Parkville, MD | 3.0 | 1.0 | 1024 | $1,900 | $1.86 | 43d | 1 | 0.97mi |
| 1629 Wentworth Ave Parkville, MD | 3.0 | 1.5 | 1152 | $1,895 | $1.64 | 43d | 1 | 1.00mi |
| 1112 Ivywood Ln Towson, MD | 1.0–3.0 | 1.0–2.0 | 1191 | $2,775 | $2.33 | 2d | 31 | 1.00mi |
| 8592 Quentin Ave Parkville, MD | 3.0 | 1.5 | 1440 | $2,100 | $1.46 | 5d | 1 | 1.01mi |
Listing history 40 events
-
2026-06-18days on market $274,900 Active 31 DOM
-
2026-06-17days on market $274,900 Active 30 DOM
-
2026-06-16days on market $274,900 Active 29 DOM
-
2026-06-15days on market $274,900 Active 28 DOM
-
2026-06-13days on market $274,900 Active 26 DOM
-
2026-06-09days on market $274,900 Active 22 DOM
-
2026-06-08days on market $274,900 Active 21 DOM
-
2026-06-07pricedays on market $274,900 Active 20 DOM
-
2026-06-04days on market $279,900 Active 17 DOM
-
2026-06-03days on market $279,900 Active 16 DOM
-
2026-06-02days on market $279,900 Active 15 DOM
-
2026-06-01days on market $279,900 Active 14 DOM
-
2026-05-31days on market $279,900 Active 13 DOM
-
2026-05-19$279,900 Active
-
2026-05-17historical $279,900
-
2025-11-28historical
-
2025-11-14$280,000 Active
-
2025-10-24historical
-
2023-05-23soldstatus $251,000
-
2023-04-27soldstatus $251,000 Closed 594-char remark
Show marketing remark (594 chars)
REDUCED !!!CLASSIC BRICK COLONIAL STYLE 3 BED TOWHOUSE WITH BAY WINDOW FOR AMAZING NATURAL LIGHT. ON SIDE SERVICE RD— 2021 HVAC SYSTEM, UPDATE KITCHEN WITH NEW DISH WASHER, FRONT PORCH, HARDWOOD FLOORING ON MAIN AND UPPER LEVELS. . SPACIOUS LIVING ROOM. FINISHED BASEMENT WITH EXIT TO THE BACKYARD, HUGE KNOTTY PINE FAM ROOM W/ BUILT IN BOOKCASES, STORAGE SEATS, PERGO FLOOR ON LOWER LEVEL-- ENJOY A SPECIAL HOME!!!! FULLY FENCED BACKYARD AND A LARGE PAVER PATIO FOR ENTERTAINING, SHED IN THE BACK. NO HOA, NO GROUND RENT , AS-IS SALE. DON'T MISS THIS OPPORTUNITY TO SEE THIS BEAUTY
-
2023-03-28historical Active Under Contract 594-char remark
Show marketing remark (594 chars)
REDUCED !!!CLASSIC BRICK COLONIAL STYLE 3 BED TOWHOUSE WITH BAY WINDOW FOR AMAZING NATURAL LIGHT. ON SIDE SERVICE RD— 2021 HVAC SYSTEM, UPDATE KITCHEN WITH NEW DISH WASHER, FRONT PORCH, HARDWOOD FLOORING ON MAIN AND UPPER LEVELS. . SPACIOUS LIVING ROOM. FINISHED BASEMENT WITH EXIT TO THE BACKYARD, HUGE KNOTTY PINE FAM ROOM W/ BUILT IN BOOKCASES, STORAGE SEATS, PERGO FLOOR ON LOWER LEVEL-- ENJOY A SPECIAL HOME!!!! FULLY FENCED BACKYARD AND A LARGE PAVER PATIO FOR ENTERTAINING, SHED IN THE BACK. NO HOA, NO GROUND RENT , AS-IS SALE. DON'T MISS THIS OPPORTUNITY TO SEE THIS BEAUTY
-
2023-03-25price $250,000 594-char remark
Show marketing remark (594 chars)
REDUCED !!!CLASSIC BRICK COLONIAL STYLE 3 BED TOWHOUSE WITH BAY WINDOW FOR AMAZING NATURAL LIGHT. ON SIDE SERVICE RD— 2021 HVAC SYSTEM, UPDATE KITCHEN WITH NEW DISH WASHER, FRONT PORCH, HARDWOOD FLOORING ON MAIN AND UPPER LEVELS. . SPACIOUS LIVING ROOM. FINISHED BASEMENT WITH EXIT TO THE BACKYARD, HUGE KNOTTY PINE FAM ROOM W/ BUILT IN BOOKCASES, STORAGE SEATS, PERGO FLOOR ON LOWER LEVEL-- ENJOY A SPECIAL HOME!!!! FULLY FENCED BACKYARD AND A LARGE PAVER PATIO FOR ENTERTAINING, SHED IN THE BACK. NO HOA, NO GROUND RENT , AS-IS SALE. DON'T MISS THIS OPPORTUNITY TO SEE THIS BEAUTY
-
2023-03-02$255,000 Active 594-char remark
Show marketing remark (594 chars)
REDUCED !!!CLASSIC BRICK COLONIAL STYLE 3 BED TOWHOUSE WITH BAY WINDOW FOR AMAZING NATURAL LIGHT. ON SIDE SERVICE RD— 2021 HVAC SYSTEM, UPDATE KITCHEN WITH NEW DISH WASHER, FRONT PORCH, HARDWOOD FLOORING ON MAIN AND UPPER LEVELS. . SPACIOUS LIVING ROOM. FINISHED BASEMENT WITH EXIT TO THE BACKYARD, HUGE KNOTTY PINE FAM ROOM W/ BUILT IN BOOKCASES, STORAGE SEATS, PERGO FLOOR ON LOWER LEVEL-- ENJOY A SPECIAL HOME!!!! FULLY FENCED BACKYARD AND A LARGE PAVER PATIO FOR ENTERTAINING, SHED IN THE BACK. NO HOA, NO GROUND RENT , AS-IS SALE. DON'T MISS THIS OPPORTUNITY TO SEE THIS BEAUTY
-
2017-04-26historical Withdrawn
-
2017-04-26historical
-
2017-04-18price
-
2017-04-05price
-
2017-03-06Active
-
2017-03-05$190,000
-
2006-06-16soldstatus $215,000
-
2006-05-18soldstatus $215,000
-
2006-04-30historical
-
2006-01-17$220,000
-
2005-12-22historical
-
2005-09-27
-
2001-07-11soldstatus $96,000
-
2001-06-29soldstatus $96,000
-
2001-04-06historical
-
2001-03-22$98,000
-
1990-06-26soldstatus $190,000
ⓘ 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
- $2,945 · $245/mo
- Projected year-2 tax
- $2,971 · $248/mo
- Expected delta
- +$26/yr (+$2/mo · 0.9%)
ⓘ 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 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 3 unhealthy d/yr today · 6 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
- $27,776
- − Mortgage interest
- −$15,399
- − Property taxes
- −$2,945
- − Insurance
- −$1,374
- − Repairs & maintenance
- −$2,222
- − Management
- −$2,222
- − Depreciation
- −$7,997
- Taxable loss
- −$4,383
- Est. tax savings @ 24.0%
- +$1,052
- After-tax cash flow
- $1,377/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 County Public Schools
- NCES district ID
- 2400120
- Math proficiency
- 15% ▼ -16.00%
- Reading proficiency
- 34% ▼ -5.00%
- Median HH income
- $66,746
- Composite
- 23.17/100
- National rank
- #7948
- State rank
- #11 of 24 in MD
Livability — Towson
- Score
- 86/100
- State rank
- #11
- US rank
- #338
Category grades
Schools grade is shown separately in the Schools card above.
Census & demographics
- Census place
- Towson, MD
- County
- Baltimore County · 769,527 people
- City population
- 41,698
- Metro
- Baltimore-Columbia-Towson, MD
- Population (ZIP)
- 21,853
- Household income
- $93,808
- Rent vs Own
- Severe rent burden
- 949.0
Population outlook (Baltimore County) Hauer SSP2
- Today (2025)
- 885,518 people
- By 2030
- 909,272 · +2.7%
- By 2040
- 951,547 · +7.5%
- By 2050
- 990,955 · +11.9%
- By 2075
- 1,086,411 · +22.7%
- By 2100
- 1,135,078 · +28.2%
Race, ethnicity, and origin ACS 2023
- Neighborhood character
- Predominantly White (69%)
- Race & ethnicity
- White 69% Black 15% Hispanic / Latino 8% Two or more races 6% Asian 4%
- Hispanic origin (detail)
- Mexican 1%
- Common ancestry
- Romanian 4% Lithuanian 2% Slovak 2%
- Foreign-born
- 10% · Canada, China
- Languages at home
- 89% English-only · Spanish 4% Other Indo-European 2% Chinese 1%
Political lean MEDSL · Baltimore
- 2024 margin
- Strong D (+24.5) · D 61.0% · R 36.5% · Other 2.5%
- 2008→2024 swing
- +9.9pp toward D · 2008: 14.6pp · 2024: 24.5pp
- All cycles
- 2024: D+24.5 2020: D+27.0 2016: D+17.4 2012: D+16.4 2008: D+14.6
Not yet ingested
- Civics
- —
Market trends
- HPI YoY
- ▼ -208.24%
- Current HPI
- 226.795
- Rent YoY
- ▲ 5.41%
- 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 |
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| Real Estate | 1 | $6B |
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| Chemicals | 1 | $2B |
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Price history
+47.3% since first listed27 events — show timeline
- 2026-05-19 Listed $279,900 BRIGHT MLS
- 2026-05-17 Coming Soon $279,900 BRIGHT MLS
- 2025-11-28 Listing Removed — BRIGHT MLS
- 2025-11-14 Listed $280,000 BRIGHT MLS
- 2025-10-24 Coming Soon — BRIGHT MLS
- 2023-05-23 Sold (Public Records) $251,000 Public Records
- 2023-04-27 Sold (MLS) $251,000 BRIGHT MLS
- 2023-03-28 Contingent — BRIGHT MLS
- 2023-03-25 Price Changed $250,000 BRIGHT MLS
- 2023-03-02 Listed $255,000 BRIGHT MLS
- 2017-04-26 Listing Removed — BRIGHT MLS
- 2017-04-26 Delisted — MRIS
- 2017-04-18 Price Changed — MRIS
- 2017-04-05 Price Changed — MRIS
- 2017-03-06 Listed — MRIS
- 2017-03-05 Listed $190,000 BRIGHT MLS
- 2006-06-16 Sold (Public Records) $215,000 Public Records
- 2006-05-18 Sold (MLS) $215,000 MRIS
- 2006-04-30 Delisted — MRIS
- 2006-01-17 Listed $220,000 MRIS
- 2005-12-22 Delisted — MRIS
- 2005-09-27 Listed — MRIS
- 2001-07-11 Sold (Public Records) $96,000 Public Records
- 2001-06-29 Sold (MLS) $96,000 MRIS
- 2001-04-06 Delisted — MRIS
- 2001-03-22 Listed $98,000 MRIS
- 1990-06-26 Sold (Public Records) $190,000 Public Records
Property tax history
-0.2%/yrLatest (2025): $2,945 · +3.8% YoY. Source: county tax records.
Cash-flow waterfall
monthlySold comps — $/sqft
last 12 mo · ≤1 miLoading sold comps…