6625 Hudson St · Baltimore, MD 21224

$150,000

4 bd · 1.0 ba · 1,140 sqft · SingleFamily public records · 4 Days on market

Built 1920 6,534 sqft lot $132/sqft · 34% below area Est $228k · 34% under

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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
• ARV discount +15.0/15.0
• 1% rule +10.0/10.0
• DSCR +10.0/10.0
• Livability +3.8/5.0
• Rent growth +2.8/5.0
• Condition / age +2.5/5.0
• Schools +1.0/10.0
• Appreciation +0.0/10.0

Listing remarks

(Seller is requesting your highest and best offers by Tuesday, 5/19/26 at 5 PM. ) Investor Special in Graceland Park! Incredible opportunity for investors, flippers, or savvy buyers looking to add value. Estimated ARV of approximately $325,000 or potential rental income of around $3,200/month once renovated. This spacious single-family home offers 4 bedrooms, 2.5 baths, a finished basement, and a detached garage. Tons of potential to renovate, rent, or resell. Property is being sold as-is. All information in the MLS is believed to be accurate but not guaranteed. Buyers are responsible for conducting their own due diligence. Seller prefers to use Lawyers Express Title for settlement.

Key facts

• 6,534 sq ft lot
• Garage
• Built 1920

Property features AI

Finance

• Other: Ownership is fee simple; Ground rent paid annually
• HOA & community: Other fees frequency: Unknown

Exterior

• Parking: Detached front-entry garage (1 space); Off-street parking
• Utilities: Public water; Public sewer; Electric hot water
• Home design: Detached single-family home; Entry faces front
• Construction: Aluminum siding; Block and other foundation materials; Built according to assessor records
• Exterior features: Above-grade and below-grade structures noted

Interior

• Kitchen: Kitchen
• Bedrooms: Two main-level bedrooms; Two upper-level bedrooms
• Bathrooms: Two full bathrooms (one on main level, one on upper level); One half bathroom in the lower level
• Heating & cooling: Forced air heating; Oil-fired heating; Electric hot water
• Interior features: Fully finished basement; Living room; Family room
• Laundry & utility: Laundry in the basement

🏷️ Possibly a rental listed for sale. The $150,000 price doesn't fit this home's estimated sale value (~$227,966) and the remarks read like a rental — treat the cards below with caution.

What this means for you Summary

Snapshot

• This is a 4-bed/1.0-bath single-family listed at $150k.

Deal economics

• At list price, monthly cash flow is $949 ($11k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($3k rent vs $150k).
• Cap rate 13.9% 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 (+1.3%/yr); 393 active listings in the ZIP; 32 comparable units currently listed for rent nearby; rentals at typical pace (median 25d on market — plan ~3-4 weeks tenant-placement turnaround); 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 ($89k/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 $4k 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.
• At projected returns (-3.0% appreciation + 1.3% rent growth), your $42k cash investment doubles in ~5 years — after that, you're playing with house money.

Negotiation context

• Only 4 days on market — expect competitive offers; lowballing is unlikely to land.
• 3 sale attempts since 30y 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 1920 — 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 $150,000

Questions for the listing agent

1. Built in 1920 — 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. 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.
6. 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.
7. 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: 1.74% ✓
• Cap rate: 13.88%
• Cash-on-cash: 27.10%
• DSCR: 2.21
• GRM: 4.8

CMA / ARV

• ARV (median comp): $227,966
• List price: $150,000
• Delta: -34.20%
• Verdict: UNDERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 8 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
6625 Hudson St	0.00mi	4/2.5	1,140 (0%)	1mo	$166,000	$146	93
6627 Bushey St	0.08mi	3/1.0 (-1)	1,034 (-9%)	4mo	$210,000	$203	72
1604 Charlotte Ave	0.71mi	3/2.0 (-1)	1,100 (-4%)	2mo	$311,000	$283	50
6209 Danville Ave	0.67mi	3/1.0 (-1)	1,050 (-8%)	3mo	$199,000	$190	48
7135 Railway	0.67mi	4/1.0	1,008 (-12%)	10mo	$270,000	$268	41
6607 Hartwait St	0.65mi	3/1.5 (-1)	1,220 (+7%)	22mo	$180,000	$148	33
1800 Tolson Ave	0.69mi	3/1.5 (-1)	1,026 (-10%)	15mo	$285,000	$278	32
507 48th St	0.58mi	3/2.0 (-1)	982 (-14%)	19mo	$280,000	$285	25

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 · 1.31% rent growth · sell at horizon

5-year hold

• IRR: 19.1%
• Equity multiple: 1.76×
• Total profit: $31,837
• Equity at exit: $22,365

10-year hold

• IRR: 26.2%
• Equity multiple: 3.11×
• Total profit: $88,585
• Equity at exit: $12,969

Cash invested: $42,000 (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 21224

• Rents YoY: 1.3%
• Active inventory: 393
• Price-to-rent: 4.8×

Monthly cashflow live

• Estimated rent: $2,604 high
• Mortgage (P&I): −$787
• Tax from tax record: −$259 /mo · $3,109/yr
• Insurance: −$62
• HOA: −$0
• Vacancy / Maint / Mgmt: −$547
• Net cashflow: $949

Break-even live

Break-even rent $1,403

Max offer price $150,000

Occupancy floor 59%

Sensitivity live

Price	-10% $1,033	-5% $991	+0% $949	+5% $906	+10% $864
Rent	-10% $743	-5% $846	+0% $949	+5% $1,051	+10% $1,154
Rate	-1.0pp $1,024	-0.5pp $987	base $949	+0.5pp $910	+1.0pp $870

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: $37,500
• Closing costs: $4,500
• Reserves months: —
• Total cash needed: —

Rent comps 32 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
6710 Hudson St Baltimore, MD	4.0	4.0	1156	$3,500	$3.03	24d	1	0.06mi
530 47th St Baltimore, MD	3.0	1.0	1424	$1,750	$1.23	24d	1	0.47mi
434 Folcroft St Unit A Baltimore, MD	3.0	1.5	1260	$1,500	$1.19	44d	1	0.48mi
340 Gusryan St Baltimore, MD	3.0	2.0	1300	$2,500	$1.92	44d	1	0.52mi
6600 Marne Ave Baltimore, MD	5.0	2.0	1215	$2,750	$2.26	3d	1	0.53mi
328 Folcroft St Baltimore, MD	3.0	2.0	1460	$2,300	$1.58	24d	1	0.56mi
560 Bayview Blvd Baltimore, MD	1.0–3.0	1.0–3.0	1108	$3,372	$3.04	3d	25	0.74mi
7058 Eastbrook Ave Baltimore, MD	3.0	2.0	1228	$1,700	$1.38	12d	1	0.75mi
6722 Brentwood Ave Unit 2FL Dundalk, MD	3.0	1.0	900	$1,750	$1.94	44d	1	0.75mi
7219 Conley St Baltimore, MD	4.0	1.5	1440	$1,950	$1.35	15d	1	0.78mi
7230 Conley St Unit 1 Baltimore, MD	3.0	1.5	1144	$2,100	$1.84	24d	1	0.80mi
7230 Conley St Unit 1 Baltimore, MD	3.0	1.5	1144	$2,100	$1.84	4d	1	0.80mi
1533 Leslie Rd Dundalk, MD	4.0	1.0	1270	$2,000	$1.57	44d	1	0.82mi
708 Umbra St Baltimore, MD	3.0	1.5	1274	$2,000	$1.57	18d	1	0.83mi
7136 Eastbrook Ave Baltimore, MD	4.0	2.0	996	$2,200	$2.21	5d	1	0.84mi
7261 Bridgewood Dr Baltimore, MD	3.0	2.0	896	$2,495	$2.78	24d	1	0.86mi
7319 Conley St Baltimore, MD	3.0	2.0	1080	$1,950	$1.81	18d	1	0.91mi
7325 Conley St Baltimore, MD	3.0	2.0	1290	$1,950	$1.51	18d	1	0.92mi
505 Northpoint Rd Baltimore, MD	3.0	2.0	1300	$2,195	$1.69	12d	1	1.08mi
1955 Walnut Ave Dundalk, MD	3.0	1.0	950	$2,300	$2.42	44d	1	1.09mi
608 Northpoint Rd Baltimore, MD	3.0	1.5	1148	$1,895	$1.65	24d	1	1.14mi
527 S Lehigh St Baltimore, MD	3.0	2.0	1320	$2,325	$1.76	44d	1	1.23mi
4505 Foster Ave Baltimore, MD	3.0	3.0	1376	$2,650	$1.93	24d	1	1.24mi
944 Dalton Ave Baltimore, MD	3.0	2.0	1024	$2,100	$2.05	11d	1	1.34mi
901 Elton Ave Baltimore, MD	4.0	2.0	1056	$2,800	$2.65	44d	1	1.35mi
932 Elton Ave Baltimore, MD	3.0	2.0	1024	$1,950	$1.90	18d	1	1.36mi
7911 Bank St Baltimore, MD	3.0	1.0	1080	$1,749	$1.62	44d	1	1.36mi
7484 Rabon Ave Dundalk, MD	3.0	1.5	1499	$2,000	$1.33	44d	1	1.38mi
7520 Durwood Rd Dundalk, MD	3.0	1.0	1110	$2,100	$1.89	44d	1	1.38mi
7444 Berkshire Rd Baltimore, MD	3.0	1.5	1228	$1,850	$1.51	5d	1	1.38mi
849 Loalan Ave Dundalk, MD	3.0	1.5	1024	$1,850	$1.81	15d	1	1.45mi
7948 Eastdale Rd Baltimore, MD	3.0	1.0	1024	$1,700	$1.66	44d	1	1.50mi

Listing history 7 events

1. 2026-05-15
   listed $150,000 Active 691-char remark
2. 1997-12-08
   soldstatus $75,000
3. 1997-11-19
   historical
4. 1997-11-14
   soldstatus $75,000
5. 1997-10-18
   historical
6. 1997-01-10
   listed
7. 1996-06-15
   listed $91,000

ⓘ 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: $3,109 · $259/mo
• Projected year-2 tax: $3,109 · $259/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 8/10 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 5/10 Major 6 unhealthy d/yr today · 8 by 30 yrs out

Taxation est. · year 1

• Rental income: $31,242
• − Mortgage interest: −$8,402
• − Property taxes: −$3,109
• − Insurance: −$750
• − Repairs & maintenance: −$2,499
• − Management: −$2,499
• − Depreciation: −$4,364
• Taxable income: $9,618
• Est. tax owed @ 24.0%: −$2,308
• After-tax cash flow: $9,074/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): 47,465
• Household income: $89,017
• Rent vs Own: 41.5% rent · 58.5% own
• Severe rent burden: 1786.0

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 0.62)
• Race & ethnicity: White 55% Hispanic / Latino 21% Black 16% Two or more races 7% Asian 4%
• Hispanic origin (detail): Mexican 4% Puerto Rican 2% Dominican 1%
• Common ancestry: Romanian 5% Lithuanian 2% Italian 1%
• Foreign-born: 17% · Canada, China, Vietnam
• Languages at home: 76% English-only · Spanish 18% Other Indo-European 2% Russian/Polish/Slavic 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: ▼ -332.23%
• Current HPI: 241.284
• Rent YoY: ▲ 1.31%
• 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

+82.4% since first listed

9 events — show timeline

• 2026-06-01 Sold (MLS) $166,000 BRIGHT MLS
• 2026-05-19 Pending — BRIGHT MLS
• 2026-05-15 Listed $150,000 BRIGHT MLS
• 1997-12-08 Sold (Public Records) $75,000 Public Records
• 1997-11-19 Delisted — MRIS
• 1997-11-14 Sold (MLS) $75,000 MRIS
• 1997-10-18 Delisted — MRIS
• 1997-01-10 Listed — MRIS
• 1996-06-15 Listed $91,000 MRIS

Property tax history

+0.6%/yr

Latest (2024): $3,109 · +4.6% YoY. Source: county tax records.