4442 Newport Ave · Baltimore, MD 21211

$250,000

3 bd · 1.5 ba · 1,272 sqft · Townhouse public records · 4 Days on market

Built 1927 Est $290k · 14% under

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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 +15.7/30.0
• ARV discount +13.7/15.0
• DSCR +4.8/10.0
• 1% rule +4.6/10.0
• Livability +3.8/5.0
• Rent growth +3.6/5.0
• Condition / age +2.5/5.0
• Schools +1.0/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

Don't miss this rare Gem!! 3 levels of well kept space in this highly sought after community. Step into your front yard and onto your porch with it's warm brick entryway. Gleaming hardwood floors flow through the main level. Open living, dining and kitchen concept. Back door leads to a fenced area that can easily be converted to a parking pad off of a quiet alleyway. So many options for the outdoor space. 3 good size bedrooms and a full bath completely renovated and expanded in 2019 with top-of-the-line materials and workmanship, featuring a rainfall shower head and Kohler soaker tub. High-end LVT flooring installed across the upper level. Some of the renovations include a finished basement for entertaining with new carpet and a convenient half bath. Freshly painted with white trim giving this beauty a modern and bright feel. This home is also conveniently located just a few minutes from the light rail, a 5 min drive to The Avenue and The Rotunda, and just a 2 minute drive to I-83 providing unbeatable access to downtown Baltimore City and to Baltimore County. Blink and it will be gone!!

Key facts

• Built 1927
• Listed 3 days

Property features AI

Exterior

• Parking: On-street parking
• Utilities: Public water; Public sewer
• Home design: Interior townhouse/rowhouse; Fee simple ownership
• Construction: Brick construction; Permanent foundation; Double-pane windows with transom
• Exterior features: Rear fencing; Patio(s); Porch(es)

Interior

• Kitchen: Built-in microwave; Dishwasher; Disposal; Gas oven/range; Refrigerator; Exhaust fan
• Bedrooms: Three bedrooms on the first upper level
• Flooring: Carpet; Ceramic tile; Luxury vinyl plank
• Bathrooms: One full bathroom; One half bathroom
• Heating & cooling: Central heating (forced air); Natural gas heating fuel; Central air conditioning (electric)
• Interior features: Tub/shower; Ceiling fans; Dining area; Formal separate dining room; Storm door
• Laundry & utility: Washer and dryer; Laundry located on lower floor/basement; Water heater

What this means for you Summary

Snapshot

• This is a 3-bed/1.5-bath townhouse listed at $250k.

Deal economics

• At list price, monthly cash flow is $110 ($1k/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 $240k (3.9% below list).
• Recommended offer: $240k (3.9% 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 rising fast (+4.3%/yr); 91 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals at typical pace (median 26d on market — plan ~3-4 weeks tenant-placement turnaround); 45% of comp listings sitting > 30 days — soft ceiling on asking rent; solid renter incomes; 1,273 units permitted in Baltimore city in 2024 (1,104 in 5+ unit buildings).
• This rent runs 35% of the median local income ($83k/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 $8k 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 4 days on market — expect competitive offers; lowballing is unlikely to land.
• 9 sale attempts since 29y ago; this cycle's ask is 9% above the opening price — seller raised mid-cycle; expect resistance to lowballs.

Risks & watch-outs

• Watch-outs: built in 1927 — 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.

Recommended offer $240,351 (3.9% below list)

Questions for the listing agent

1. Built in 1927 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
2. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
3. 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?
4. 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?
5. 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?
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: 0.96% ✗
• Cap rate: 6.82%
• Cash-on-cash: 1.88%
• DSCR: 1.08
• GRM: 8.7

CMA / ARV

• ARV (on-the-fly): $290,016
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
4450 Newport Ave	0.01mi	3/1.0	1,170 (-8%)	3mo	$153,700	$131	82
1449 Roland Heights Ave	0.27mi	2/1.5 (-1)	1,280 (+1%)	0mo	$277,000	$216	81
1115 Roland Heights Ave	0.21mi	3/1.5	1,380 (+8%)	1mo	$315,000	$228	75
607 Somerset Rd #4	0.44mi	3/1.0	1,234 (-3%)	2mo	$278,000	$225	71
4605 Keswick Rd	0.67mi	2/1.5 (-1)	1,268 (-0%)	1mo	$400,000	$315	62
4218 Edgehill Ave	0.29mi	2/2.0 (-1)	1,404 (+10%)	2mo	$260,000	$185	61
1245 Union Ave	0.74mi	3/1.5	1,350 (+6%)	2mo	$327,000	$242	53
3821 Roland Ave	0.73mi	3/2.0	1,176 (-8%)	2mo	$320,000	$272	50
8 Cross Keys Rd Unit 8F	0.69mi	2/2.0 (-1)	1,157 (-9%)	0mo	$177,000	$153	46
4 Cross Keys Rd Unit 4E	0.67mi	2/2.0 (-1)	1,157 (-9%)	2mo	$183,000	$158	45
16 Cross Keys Rd Unit 16E	0.72mi	2/2.0 (-1)	1,157 (-9%)	0mo	$270,000	$233	44
22 Cross Keys Rd Unit 22E	0.74mi	2/2.0 (-1)	1,157 (-9%)	3mo	$271,000	$234	41

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 · 4.32% rent growth · sell at horizon

5-year hold

• IRR: -11.8%
• Equity multiple: 0.57×
• Total profit: $-30,223
• Equity at exit: $37,276

10-year hold

• IRR: -0.7%
• Equity multiple: 0.95×
• Total profit: $-3,397
• Equity at exit: $21,615

Cash invested: $70,000 (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 21211

• Rents YoY: 4.3%
• Active inventory: 91
• Price-to-rent: 8.7×

Monthly cashflow live

• Estimated rent: $2,404 high
• Mortgage (P&I): −$1,311
• Tax from tax record: −$374 /mo · $4,488/yr
• Insurance: −$104
• HOA: −$0
• Vacancy / Maint / Mgmt: −$505
• Net cashflow: $110

Break-even live

Break-even rent $2,265

Max offer price $250,000

Occupancy floor 90%

Sensitivity live

Price	-10% $251	-5% $180	+0% $110	+5% $39	+10% $-32
Rent	-10% $-80	-5% $15	+0% $110	+5% $205	+10% $299
Rate	-1.0pp $235	-0.5pp $173	base $110	+0.5pp $45	+1.0pp $-21

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: $62,500
• Closing costs: $7,500
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
4429 Newport Ave Baltimore, MD	3.0	2.0	1248	$2,400	$1.92	45d	1	0.02mi
4319 Medfield Ave Baltimore, MD	3.0	2.5	1800	$3,100	$1.72	45d	1	0.33mi
4322 Roland Heights Ave Baltimore, MD	3.0	3.0	1800	$3,000	$1.67	45d	1	0.38mi
4320 Roland Heights Ave Baltimore, MD	3.0	2.5	1800	$3,300	$1.83	19d	1	0.38mi
1011 W 42nd St Baltimore, MD	3.0	1.0	1160	$2,100	$1.81	6d	1	0.38mi
4119 Falls Rd Baltimore, MD	3.0	1.5	1316	$2,500	$1.90	45d	1	0.39mi
4032 Falls Rd Baltimore, MD	2.0	1.0	1040	$1,645	$1.58	45d	1	0.43mi
4032 Falls Rd Unit 2 Baltimore, MD	2.0	1.0	1040	$1,650	$1.59	45d	1	0.43mi
2001 W Cold Spring Ln Baltimore, MD	1.0–3.0	1.0–2.0	1133	$3,300	$2.91	0d	27	0.47mi
1109 W 40th St Unit 1 Baltimore, MD	2.0	1.5	1392	$2,150	$1.54	6d	1	0.52mi
1109 W 40th St Baltimore, MD	3.0	1.5	944	$2,150	$2.28	6d	1	0.52mi
3744 Hickory Ave Baltimore, MD	2.0	1.0	900	$1,900	$2.11	45d	1	0.72mi
1201 Union Ave Baltimore, MD	3.0	2.0	1410	$2,575	$1.83	45d	1	0.74mi
2080 Rockrose Ave Unit 2080-201 Baltimore, MD	2.0	2.0	1080	$2,100	$1.94	25d	1	0.75mi
727 W 40th St Baltimore, MD	1.0–2.0	1.0–2.0	934	$3,822	$4.09	0d	6	0.81mi
3632 Parkdale Ave Baltimore, MD	3.0	1.0	1400	$3,000	$2.14	45d	1	0.83mi
4014 Linkwood Rd Unit D Baltimore, MD	2.0	1.5	1001	$1,800	$1.80	45d	1	0.83mi
2078 Druid Park Dr Unit 4 Baltimore, MD	2.0	2.5	1500	$2,500	$1.67	45d	1	0.84mi
2078 Druid Park Dr Baltimore, MD	2.0	3.0	1500	$2,500	$1.67	45d	1	0.84mi
2530 Edgecombe Cir N Baltimore, MD	2.0–3.0	1.0	920	$1,325	$1.44	4d	4	0.90mi
816 W 37th St Baltimore, MD	3.0	2.5	1468	$2,700	$1.84	6d	1	0.90mi
3925 Beech Ave Unit 314 Baltimore, MD	2.0	2.0	1050	$1,950	$1.86	6d	1	0.91mi
1527 W 36th St Unit 2ND FLOOR Baltimore, MD	2.0	1.0	1200	$1,600	$1.33	45d	1	0.92mi
500 W University Pkwy Baltimore, MD	3.0	1.0–2.0	955	$3,015	$3.16	0d	55	0.97mi
3539 Roland Ave Baltimore, MD	3.0	2.5	1320	$3,500	$2.65	45d	1	0.98mi
3534 Poole St Unit 1 Baltimore, MD	3.0	2.0	1450	$2,600	$1.79	25d	1	0.99mi
3507 Elm Ave Baltimore, MD	3.0	2.5	1204	$2,295	$1.91	25d	1	1.00mi
3638 Keswick Rd Baltimore, MD	2.0	2.0	1170	$2,500	$2.14	45d	1	1.00mi
2415 Loyola Southway Baltimore, MD	3.0	1.5	1200	$2,033	$1.69	45d	1	1.02mi
4714 Greenspring Ave Baltimore, MD	2.0	1.0	890	$1,295	$1.46	45d	1	1.03mi
828 W 35th St Baltimore, MD	3.0	2.0	1204	$1,800	$1.50	25d	1	1.06mi
2454 W Cold Spring Ln Baltimore, MD	3.0	1.0	1200	$1,650	$1.38	25d	1	1.07mi
801 W 35th St Baltimore, MD	3.0	1.5	1300	$2,800	$2.15	0d	1	1.09mi
3501 Chestnut Ave Baltimore, MD	2.0	1.5	1192	$1,825	$1.53	25d	1	1.10mi
108 W 39th St Baltimore, MD	2.0	1.0–2.0	1350	$2,189	$1.62	0d	12	1.10mi
103 Cross Keys Rd Unit R103D2 Baltimore, MD	2.0	2.0	1157	$2,000	$1.73	25d	1	1.12mi
2824 Edgecombe Cir S Baltimore, MD	2.0	2.0	950	$1,475	$1.55	23d	1	1.13mi
105 W 39th St Baltimore, MD	2.0	1.0	753	$2,250	$2.99	6d	1	1.13mi
3429 Chestnut Ave Unit 5 Baltimore, MD	2.0	2.5	900	$1,800	$2.00	25d	1	1.14mi
3822 Pall Mall Rd Baltimore, MD	3.0	1.5	1320	$1,875	$1.42	45d	1	1.18mi

Listing history 9 events

1. 2026-06-21
   days on market $250,000 Active 4 DOM
2. 2026-06-18
   statusdays on market $250,000 Active 1 DOM
3. 2026-06-17
   remarks 699-char remark
4. 2026-06-17
   days on market $250,000 Coming Soon 8 DOM
5. 2026-06-16
   days on market $250,000 Coming Soon 7 DOM
6. 2026-06-15
   days on market $250,000 Coming Soon 6 DOM
7. 2026-06-13
   days on market $250,000 Coming Soon 4 DOM
8. 2026-06-10
   remarks 12-char remark
9. 2026-06-10
   listed $250,000 Coming Soon 1 DOM

ⓘ 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: $4,488 · $374/mo
• Projected year-2 tax: $4,488 · $374/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 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

Taxation est. · year 1

• Rental income: $28,842
• − Mortgage interest: −$14,004
• − Property taxes: −$4,488
• − Insurance: −$1,250
• − Repairs & maintenance: −$2,307
• − Management: −$2,307
• − Depreciation: −$7,273
• Taxable loss: −$2,787
• Est. tax savings @ 24.0%: +$669
• After-tax cash flow: $1,984/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 City · 558,601 people
• City population: 588,727
• Metro: Baltimore-Columbia-Towson, MD
• Population (ZIP): 14,969
• Household income: $82,828
• Rent vs Own: 39.5% rent · 60.5% own
• Severe rent burden: 635.0

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 White (73%)
• Race & ethnicity: White 73% Black 10% Two or more races 7% Hispanic / Latino 7% Asian 5% Native American 1%
• Hispanic origin (detail): Mexican 2% Puerto Rican 1%
• Common ancestry: Romanian 5% Italian 2% Slovak 2%
• Foreign-born: 9% · Canada, China, Dominican Republic
• Languages at home: 87% English-only · Spanish 5% Other Indo-European 2% Chinese 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: ▼ -409.24%
• Current HPI: 458.2576
• Rent YoY: ▲ 4.32%
• 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

+420.8% since first listed

32 events — show timeline

• 2026-06-09 Coming Soon $250,000 BRIGHT MLS
• 2021-07-06 Sold (Public Records) $230,000 Public Records
• 2021-04-12 Sold (MLS) $230,000 BRIGHT MLS
• 2021-03-31 Pending — BRIGHT MLS
• 2021-03-16 Contingent — BRIGHT MLS
• 2021-03-11 Listed $230,000 BRIGHT MLS
• 2018-05-27 Price Changed $184,999 BRIGHT MLS
• 2018-02-27 Sold (Public Records) $185,000 Public Records
• 2018-02-23 Sold (MLS) $185,000 MRIS
• 2018-02-23 Sold (MLS) $185,000 BRIGHT MLS
• 2018-01-22 Pending — MRIS
• 2017-11-02 Price Changed $184,999 MRIS
• 2017-10-10 Price Changed $194,900 MRIS
• 2017-09-26 Listed $199,900 MRIS
• 2017-09-26 Listed $199,900 BRIGHT MLS
• 2006-01-24 Sold (Public Records) $188,500 Public Records
• 2006-01-09 Sold (MLS) $188,500 MRIS
• 2005-11-13 Delisted — MRIS
• 2005-08-19 Listed $192,500 MRIS
• 2005-05-11 Sold (Public Records) $115,200 Public Records
• 2005-05-06 Sold (MLS) $115,200 MRIS
• 2005-04-08 Delisted — MRIS
• 2005-04-01 Listed $102,900 MRIS
• 2004-01-29 Delisted — MRIS
• 2003-11-26 Listed — MRIS
• 2003-02-24 Delisted — MRIS
• 2002-08-23 Listed — MRIS
• 1999-03-12 Delisted — MRIS
• 1998-10-01 Delisted — MRIS
• 1998-09-30 Listed — MRIS
• 1997-09-24 Listed — MRIS
• 1989-06-01 Sold (Public Records) $48,000 Public Records

Property tax history

+0.4%/yr

Latest (2025): $4,488 · -6.1% YoY. Source: county tax records.