4328 Ridge Rd #13 · Mount Airy, MD 21771

$75,000

1 bd · 1.0 ba · 850 sqft · Manufactured · 248 Days on market

Built 1978 Good condition $88/sqft · 52% above area ↓ 5% since listing

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Why this score? — see what drove the B grade

The composite is a weighted blend of 9 inputs, each scored 0–100. Each bar is that input's sub-score; the figure is the points it added to the 100-point composite (weight × sub-score).

• Cash flow +30.0/30.0
• 1% rule +10.0/10.0
• DSCR +10.0/10.0
• ARV discount +7.5/15.0
• Condition / age +4.0/5.0
• Schools +3.7/10.0
• Livability +3.6/5.0
• Rent growth +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Welcome to Trailer #13 in Taylorsville Mobile Home Community! Discover modern comfort in this fully renovated 1 bedroom, 1 bath home conveniently located in Mount Airy. Measuring approximately 14’ x 61’, this home has been completely transformed—inside and out—into a bright, move-in-ready living space. Extensive 2021 renovations include a full shell and interior remodel with new siding, insulation, drywall, LVP flooring, water heater, kitchen cabinets, granite countertops, stainless steel appliances, lighting fixtures, windows, crown molding, and fresh paint throughout. The primary bathroom and laundry areas were also reimagined with new ceramic tile, double-sink vanity, oversized stall shower, and updated fixtures. The roof sealed & painted, undercarriage reinforced, and all finishes reflect quality craftsmanship and care. Enjoy the inviting front porch with durable decking materials—no steps, all level entry—leading into a welcoming foyer that opens to a spacious living room flowing seamlessly into the kitchen and dining areas. The kitchen features an island table perfect for casual dining or extra prep space, creating a warm and functional hub of the home. The primary bedroom features a large walk-in closet, a flexible sitting or office nook, and direct access to the full bath and laundry area for added convenience. With its thoughtful updates and modern finishes, this home offers easy, single-level living in an established community—ready for its next owner to move right in and enjoy! Outside, has two driveway parking spaces, gardening space, privacy trees, and 2 storage sheds. Lot Rent is currently $800/month and includes water (community well), sewer, trash removal, road and common area maintenance, and property management. Park approval is required through an application with the community managers. Although this home is being sold as-is, it is in wonderful move in condition. Mobile homes in Mount Airy are hard to find—don’t miss this opportunity to own a recently renovated home at such an affordable price!

Key facts

• Bright living space
• New drywall
• Fully renovated

Tags

• FULLY RENOVATED
• BRIGHT LIVING SPACE
• EXTENSIVE RENOVATIONS
• NEW DRYWALL
• NEW INSULATION
• LVP FLOORING

What this means for you Summary

Snapshot

• This is a 1-bed/1.0-bath manufactured listed at $75k. Condition is rated good.

Deal economics

• At list price, monthly cash flow is $887 ($11k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $75k).
• Recommended offer: $66k (12.0% below list) — sets the bar for market timing.
• Cap rate 20.5% vs local median 2.2% in Mount Airy — 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 72/100 on livability (#136 in MD) — a middle-class / working-renter tenant base. Strengths: employment A+, housing A+, health & safety A; Watch: amenities D-, commute F, cost of living F.
• Carroll County Public Schools (suburban): math 32% / reading 47% proficiency, ranked #2 of 24 in MD (top 8%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases; only 16% free/reduced lunch — higher-income household profile.
• Market conditions: 120 active listings in the ZIP; 156 units permitted in Carroll County in 2024 (12 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $519 of loan paydown is wiped out by about $2k of value loss. Plan a longer hold.
• Carroll County population projected to shrink 7% by 2050 — rents likely to lag national; underwrite the cash flow, not the appreciation.
• At projected returns (-3.0% appreciation + 3.0% rent growth), your $21k cash investment doubles in ~3 years — after that, you're playing with house money.

Negotiation context

• It's been on market 248 days — a 12% lower offer ($66k) is reasonable based on typical stale-listing flexibility.

Risks & watch-outs

• Climate carrying-cost: extreme-heat days projected 7→15/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $66,000 (12.0% below list)

Questions for the listing agent

1. It's been on market 248 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
2. Built in 1978 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
4. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
5. Schools are B-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?
6. 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.
7. 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.
8. 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: 2.37% ✓
• Cap rate: 20.48%
• Cash-on-cash: 50.66%
• DSCR: 3.25
• GRM: 3.5

CMA / ARV

• ARV (median comp): $49,309
• List price: $75,000
• Delta: 52.10%
• Verdict: OVERPRICED
• Comps: 2 within 1.0 mi

Projected returns pro-forma

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

5-year hold

• IRR: 48.5%
• Equity multiple: 3.11×
• Total profit: $44,341
• Equity at exit: $11,183

10-year hold

• IRR: 54.1%
• Equity multiple: 6.31×
• Total profit: $111,431
• Equity at exit: $6,485

Cash invested: $21,000 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

• Overall (STATE): 27 Tenant-Leaning
• State Maryland: 27 Tenant-Leaning · D+14
• County: — inherits STATE
• City: — inherits STATE

Failure-to-pay is dismissed if cured before judgment; Baltimore has just-cause; strict deposit rules.

Methodology + full state rankings →

ZIP-level market 21771

• Active inventory: 120
• Price-to-rent: 3.5×

Monthly cashflow live

• Estimated rent: $1,778 medium
• Mortgage (P&I): −$393
• Tax est. 1.5%: −$94 /mo · $1,125/yr
• Insurance: −$31
• HOA: −$0
• Vacancy / Maint / Mgmt: −$373
• Net cashflow: $887

Break-even live

Break-even rent $656

Max offer price $75,000

Occupancy floor 45%

Sensitivity live

Price	-10% $938	-5% $913	+0% $887	+5% $861	+10% $835
Rent	-10% $746	-5% $816	+0% $887	+5% $957	+10% $1,027
Rate	-1.0pp $924	-0.5pp $906	base $887	+0.5pp $867	+1.0pp $847

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: $18,750
• Closing costs: $2,250
• Reserves months: —
• Total cash needed: —

Listing history 16 events

1. 2026-06-21
   days on market $75,000 Active 248 DOM
2. 2026-06-18
   days on market $75,000 Active 245 DOM
3. 2026-06-17
   days on market $75,000 Active 244 DOM
4. 2026-06-16
   days on market $75,000 Active 243 DOM
5. 2026-06-15
   days on market $75,000 Active 242 DOM
6. 2026-06-13
   days on market $75,000 Active 240 DOM
7. 2026-06-09
   days on market $75,000 Active 236 DOM
8. 2026-06-08
   days on market $75,000 Active 235 DOM
9. 2026-06-07
   days on market $75,000 Active 234 DOM
10. 2026-06-04
    days on market $75,000 Active 231 DOM
11. 2026-06-03
    days on market $75,000 Active 230 DOM
12. 2026-06-02
    days on market $75,000 Active 229 DOM
13. 2026-06-01
    days on market $75,000 Active 228 DOM
14. 2026-05-31
    days on market $75,000 Active 227 DOM
15. 2026-03-23
    price $75,000 2109-char remark

    Show marketing remark (2109 chars)

    Welcome to Trailer #13 in Taylorsville Mobile Home Community! Discover modern comfort in this fully renovated 1 bedroom, 1 bath home conveniently located in Mount Airy. Measuring approximately 14’ x 61’, this home has been completely transformed—inside and out—into a bright, move-in-ready living space. Extensive 2021 renovations include a full shell and interior remodel with new siding, insulation, drywall, LVP flooring, water heater, kitchen cabinets, granite countertops, stainless steel appliances, lighting fixtures, windows, crown molding, and fresh paint throughout. The primary bathroom and laundry areas were also reimagined with new ceramic tile, double-sink vanity, oversized stall shower, and updated fixtures. The roof sealed & painted, undercarriage reinforced, and all finishes reflect quality craftsmanship and care. Enjoy the inviting front porch with durable decking materials—no steps, all level entry—leading into a welcoming foyer that opens to a spacious living room flowing seamlessly into the kitchen and dining areas. The kitchen features an island table perfect for casual dining or extra prep space, creating a warm and functional hub of the home. The primary bedroom features a large walk-in closet, a flexible sitting or office nook, and direct access to the full bath and laundry area for added convenience. With its thoughtful updates and modern finishes, this home offers easy, single-level living in an established community—ready for its next owner to move right in and enjoy! Outside, has two driveway parking spaces, gardening space, privacy trees, and 2 storage sheds. Lot Rent is currently $800/month and includes water (community well), sewer, trash removal, road and common area maintenance, and property management. Park approval is required through an application with the community managers. Although this home is being sold as-is, it is in wonderful move in condition. Mobile homes in Mount Airy are hard to find—don’t miss this opportunity to own a recently renovated home at such an affordable price!

16. 2025-10-16
    listed $79,000 Active 2109-char remark

    Show marketing remark (2109 chars)

    Welcome to Trailer #13 in Taylorsville Mobile Home Community! Discover modern comfort in this fully renovated 1 bedroom, 1 bath home conveniently located in Mount Airy. Measuring approximately 14’ x 61’, this home has been completely transformed—inside and out—into a bright, move-in-ready living space. Extensive 2021 renovations include a full shell and interior remodel with new siding, insulation, drywall, LVP flooring, water heater, kitchen cabinets, granite countertops, stainless steel appliances, lighting fixtures, windows, crown molding, and fresh paint throughout. The primary bathroom and laundry areas were also reimagined with new ceramic tile, double-sink vanity, oversized stall shower, and updated fixtures. The roof sealed & painted, undercarriage reinforced, and all finishes reflect quality craftsmanship and care. Enjoy the inviting front porch with durable decking materials—no steps, all level entry—leading into a welcoming foyer that opens to a spacious living room flowing seamlessly into the kitchen and dining areas. The kitchen features an island table perfect for casual dining or extra prep space, creating a warm and functional hub of the home. The primary bedroom features a large walk-in closet, a flexible sitting or office nook, and direct access to the full bath and laundry area for added convenience. With its thoughtful updates and modern finishes, this home offers easy, single-level living in an established community—ready for its next owner to move right in and enjoy! Outside, has two driveway parking spaces, gardening space, privacy trees, and 2 storage sheds. Lot Rent is currently $800/month and includes water (community well), sewer, trash removal, road and common area maintenance, and property management. Park approval is required through an application with the community managers. Although this home is being sold as-is, it is in wonderful move in condition. Mobile homes in Mount Airy are hard to find—don’t miss this opportunity to own a recently renovated home at such an affordable price!

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

Climate risk First Street

• 🌊 Flood 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
• 🔥 Wildfire 3/10 Moderate
• 🌡 Heat 5/10 Major 7 d/yr ≥101°F today · 15 d/yr by 30 yrs out
• 💨 Wind 4/10 Moderate 15% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 1 unhealthy d/yr today · 2 by 30 yrs out

Taxation est. · year 1

• Rental income: $21,340
• − Mortgage interest: −$4,201
• − Property taxes: −$1,125
• − Insurance: −$375
• − Repairs & maintenance: −$1,707
• − Management: −$1,707
• − Depreciation: −$2,182
• Taxable income: $10,043
• Est. tax owed @ 24.0%: −$2,410
• After-tax cash flow: $8,229/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.

Condition & rehab AI · 12 photos

Good 80/100 Cosmetic rehab

This fully renovated 1-bedroom home in Taylorsville Mobile Home Community is move-in ready with new siding, flooring, and appliances. It offers a good investment opportunity with potential for further curb appeal improvements.

Value-add opportunities

• Both Paint exterior siding — Enhances curb appeal and value
• Both Replace outdoor furniture — Freshens up the patio area

Renovation cost estimate screening

Value-add ROI direction

• Both Paint exterior siding — Enhances curb appeal and value ↑
• Both Replace outdoor furniture — Freshens up the patio area ↑

ⓘ Cost ranges are severity-bucket heuristics (US national rule-of-thumb). Get contractor quotes + a written scope before underwriting a rehab budget.

Schools (NCES district)

• District: Carroll County Public Schools
• NCES district ID: 2400210
• Math proficiency: 32% ▼ -25.00%
• Reading proficiency: 47% ▼ -16.00%
• Median HH income: $84,594
• Composite: 37.33/100
• National rank: #4441
• State rank: #2 of 24 in MD

Livability — Mount Airy

• Score: 72/100
• State rank: #136
• US rank: #5825

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Population (ZIP): 32,827

Population outlook (Carroll County) Hauer SSP2

• Today (2025): 169,677 people
• By 2030: 169,605 · +-0.0%
• By 2040: 166,205 · -2.0%
• By 2050: 158,312 · -6.7%
• By 2075: 143,013 · -15.7%
• By 2100: 122,431 · -27.8%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (82%)
• Race & ethnicity: White 82% Hispanic / Latino 9% Two or more races 5% Black 4% Asian 2%
• Hispanic origin (detail): Mexican 2%
• Common ancestry: Romanian 7% Italian 3% Slovak 2%
• Foreign-born: 9% · Canada, South Korea, Jamaica
• Languages at home: 89% English-only · Spanish 6% Other Indo-European 1% Korean 1%

Political lean MEDSL · Carroll

• 2024 margin: Strong R (+24.9) · D 36.2% · R 61.2% · Other 2.6%
• 2008→2024 swing: +6.2pp toward D · 2008: -31.2pp · 2024: -24.9pp
• All cycles: 2024: R+24.9 2020: R+23.7 2016: R+36.9 2012: R+34.0 2008: R+31.2

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -217.07%
• Current HPI: 293.3461
• Rent YoY: —
• Metro: —
• 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

-5.1% since first listed

2 events — show timeline

• 2026-03-23 Price Changed $75,000 BRIGHT MLS
• 2025-10-16 Listed $79,000 BRIGHT MLS