14526 Willey Ave · Eden, MD 21822

$84,900

3 bd · 2.0 ba · 1,300 sqft · SingleFamily · 47 Days on market

Built 1999 Average condition $65/sqft · at area comps Est $89k · at est.

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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 +9.7/15.0
• Appreciation +6.3/10.0
• Condition / age +2.8/5.0
• Livability +2.6/5.0
• Rent growth +2.5/5.0
• Schools +1.5/10.0

Listing remarks MLS

Spacious, well-kept mobile home ready to move into. Large living room which is open to spacious kitchen with built-in table and plenty of storage. This home offers 3 bedrooms and 3 full bathrooms in a split bedroom layout. All buyers must be approved by Park Management. Contact Maureen at 410-749-2995 for application. Monthly ground rent of $285 includes water, sewer and taxes. Most furniture will transfer with the home. Make this quiet and convenient home yours today!

Key facts

• Built 1999
• Listed 46 days

Property features AI

Finance

• HOA & community: Ground rent $360 per month

Exterior

• Parking: Concrete driveway; Off-street parking
• Utilities: Shared well water; Shared septic; Cable TV available; Electric service available; Hot water by propane
• Home design: Manufactured home; Main entrance faces west
• Construction: Manufactured/modular construction; Architectural shingle roof; Above-grade structure; Year built: estimated
• Exterior features: Patio(s); Cleared lot; Rented lot (ground rent)

Interior

• Kitchen: Dishwasher; Gas oven/range; Refrigerator
• Bedrooms: 3 bedrooms on the main level
• Flooring: Carpet; Vinyl
• Bathrooms: 2 full bathrooms (both on the main level)
• Heating & cooling: Forced air heating; Propane-fired heating (owned); Central air conditioning (electric)
• Interior features: Ceiling fans; Combination kitchen and dining area; Kitchen with table space; Master bathroom with soaking tub; No basement
• Laundry & utility: Washer in unit; Dryer in unit

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $85k. Condition is rated average.

Deal economics

• At list price, monthly cash flow is $457 ($5k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $85k).
• Recommended offer: $82k (3.0% below list) — sets the bar for market timing.

Location & tenants

• Location reads 52/100 on livability (#443 in MD) — a working-class tenant base; expect higher turnover. Strengths: cost of living A+, housing A+; Watch: schools F, crime F, amenities F.
• Somerset County Public Schools (town): math 12% / reading 23% proficiency, ranked #22 of 24 in MD (top 92%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover; 64% free/reduced lunch — lower-income household profile, screen leases tightly.
• Market conditions: 19 active listings in the ZIP; 49 units permitted in Somerset County in 2024 (0 in 5+ unit buildings).

Forward outlook

• In year one you build about $3k of equity ($587 loan paydown + $2k appreciation (2.7% local appreciation)).
• Somerset County population projected at -16% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.
• At projected returns (2.7% appreciation + 3.0% rent growth), your $24k cash investment doubles in ~3 years — after that, you're playing with house money.

Negotiation context

• It's been on market 47 days — a 3% lower offer ($82k) is reasonable based on typical stale-listing flexibility.
• 2 sale attempts since 6y 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.
• Current owner paid $48k; list at $85k implies a 77% gain — meaningful room to come down on a strong offer.

Recommended offer $82,353 (3.0% below list)

Questions for the listing agent

1. It's been on market 47 days. Have you received any prior offers? Is the seller open to a 3% concession, seller financing, or rate buy-down credit?
2. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
3. Schools are F-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: 1.56% ✓
• Cap rate: 12.75%
• Cash-on-cash: 23.07%
• DSCR: 2.03
• GRM: 5.4

CMA / ARV

• ARV (median comp): $89,243
• List price: $84,900
• Delta: -4.87%
• Verdict: FAIR
• Comps: 13 within 1.0 mi

Show comp detail 2 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
14525 Willey Ave	0.00mi	3/2.0	1,216 (-6%)	4mo	$65,000	$53	86
14757 Merser Rd	0.38mi	3/2.0	1,188 (-9%)	1mo	$138,000	$116	67

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

Projected returns pro-forma

2.67% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 28.6%
• Equity multiple: 2.59×
• Total profit: $37,862
• Equity at exit: $36,588

10-year hold

• IRR: 29.4%
• Equity multiple: 5.03×
• Total profit: $95,914
• Equity at exit: $55,183

Cash invested: $23,772 (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 21822

• Home prices YoY: 1.1%
• Active inventory: 19
• Price-to-rent: 5.4×

Monthly cashflow live

• Estimated rent: $1,321 medium
• Mortgage (P&I): −$445
• Tax est. 1.5%: −$106 /mo · $1,274/yr
• Insurance: −$35
• HOA: −$0
• Vacancy / Maint / Mgmt: −$277
• Net cashflow: $457

Break-even live

Break-even rent $743

Max offer price $84,900

Occupancy floor 60%

Sensitivity live

Price	-10% $516	-5% $486	+0% $457	+5% $428	+10% $398
Rent	-10% $353	-5% $405	+0% $457	+5% $509	+10% $561
Rate	-1.0pp $500	-0.5pp $479	base $457	+0.5pp $435	+1.0pp $413

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: $21,225
• Closing costs: $2,547
• Reserves months: —
• Total cash needed: —

Listing history 20 events

1. 2026-06-21
   days on market $84,900 Active 47 DOM
2. 2026-06-18
   days on market $84,900 Active 44 DOM
3. 2026-06-17
   days on market $84,900 Active 43 DOM
4. 2026-06-16
   days on market $84,900 Active 42 DOM
5. 2026-06-15
   days on market $84,900 Active 41 DOM
6. 2026-06-14
   days on market $84,900 Active 39 DOM
7. 2026-06-13
   days on market $84,900 Active 38 DOM
8. 2026-06-10
   days on market $84,900 Active 36 DOM
9. 2026-06-09
   days on market $84,900 Active 35 DOM
10. 2026-06-08
    days on market $84,900 Active 34 DOM
11. 2026-06-07
    days on market $84,900 Active 33 DOM
12. 2026-06-02
    days on market $84,900 Active 28 DOM
13. 2026-06-01
    days on market $84,900 Active 27 DOM
14. 2026-05-31
    days on market $84,900 Active 26 DOM
15. 2026-05-30
    days on market $84,900 Active 25 DOM
16. 2026-05-06
    listed $84,900 Active 593-char remark
17. 2026-05-04
    historical $84,900 593-char remark
18. 2020-12-10
    soldstatus $48,000 Closed 473-char remark

    Show marketing remark (473 chars)

    Spacious, well-kept mobile home ready to move into. Large living room which is open to spacious kitchen with built-in table and plenty of storage. This home offers 3 bedrooms and 3 full bathrooms in a split bedroom layout. All buyers must be approved by Park Management. Contact Maureen at 410-749-2995 for application. Monthly ground rent of $285 includes water, sewer and taxes. Most furniture will transfer with the home. Make this quiet and convenient home yours today!

19. 2020-10-26
    status Pending 473-char remark

    Show marketing remark (473 chars)

    Spacious, well-kept mobile home ready to move into. Large living room which is open to spacious kitchen with built-in table and plenty of storage. This home offers 3 bedrooms and 3 full bathrooms in a split bedroom layout. All buyers must be approved by Park Management. Contact Maureen at 410-749-2995 for application. Monthly ground rent of $285 includes water, sewer and taxes. Most furniture will transfer with the home. Make this quiet and convenient home yours today!

20. 2020-10-12
    listed $50,000 Active 473-char remark

    Show marketing remark (473 chars)

    Spacious, well-kept mobile home ready to move into. Large living room which is open to spacious kitchen with built-in table and plenty of storage. This home offers 3 bedrooms and 3 full bathrooms in a split bedroom layout. All buyers must be approved by Park Management. Contact Maureen at 410-749-2995 for application. Monthly ground rent of $285 includes water, sewer and taxes. Most furniture will transfer with the home. Make this quiet and convenient home yours today!

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

Taxation est. · year 1

• Rental income: $15,854
• − Mortgage interest: −$4,756
• − Property taxes: −$1,274
• − Insurance: −$424
• − Repairs & maintenance: −$1,268
• − Management: −$1,268
• − Depreciation: −$2,470
• Taxable income: $4,394
• Est. tax owed @ 24.0%: −$1,055
• After-tax cash flow: $4,429/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

Average 55/100 Cosmetic rehab

This mobile home is in average condition with some cosmetic updates needed to improve its resale and rental value.

Repairs flagged

• Moderate kitchen cabinets — dated and in need of replacement
• Moderate bathroom fixtures — dated and in need of replacement
• Moderate exterior siding — moderate wear

Value-add opportunities

• Both update kitchen cabinets and appliances — modernizing the kitchen would improve both resale and rental value
• Both update bathroom fixtures and cabinetry — modernizing the bathrooms would improve both resale and rental value
• Both paint interior walls — fresh paint would improve the home's curb appeal and interior aesthetics
• Both replace carpeting with hardwood or tile — hardwood or tile flooring would improve the home's curb appeal and interior aesthetics
• Both repair and paint exterior siding — repairing and painting the exterior would improve the home's curb appeal and exterior aesthetics

Renovation cost estimate screening

Repair item	Severity	Est. cost
kitchen cabinets · dated and in need of replacement	Moderate	$3,000–15,000
bathroom fixtures · dated and in need of replacement	Moderate	$3,000–15,000
exterior siding · moderate wear	Moderate	$3,000–15,000
Total estimated repair cost · 3 items		$9,000–45,000

Value-add ROI direction

• Both update kitchen cabinets and appliances — modernizing the kitchen would improve both resale and rental value ↑
• Both update bathroom fixtures and cabinetry — modernizing the bathrooms would improve both resale and rental value ↑
• Both paint interior walls — fresh paint would improve the home's curb appeal and interior aesthetics ↑
• Both replace carpeting with hardwood or tile — hardwood or tile flooring would improve the home's curb appeal and interior aesthetics ↑
• Both repair and paint exterior siding — repairing and painting the exterior would improve the home's curb appeal and exterior aesthetics ↑

ⓘ 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: Somerset County Public Schools
• NCES district ID: 2400570
• Math proficiency: 12% ▼ -7.00%
• Reading proficiency: 23% ▼ -14.00%
• Median HH income: $38,810
• Composite: 14.73/100
• National rank: #9396
• State rank: #22 of 24 in MD

Livability — Eden

• Score: 52/100
• State rank: #443
• US rank: #25126

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Eden, MD
• City population: 2,603
• Population (ZIP): 2,603

Population outlook (Somerset County) Hauer SSP2

• Today (2025): 24,474 people
• By 2030: 23,547 · -3.8%
• By 2040: 21,498 · -12.2%
• By 2050: 20,427 · -16.5%
• By 2075: 16,594 · -32.2%
• By 2100: 12,132 · -50.4%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Majority White (64%)
• Race & ethnicity: White 64% Black 29% Two or more races 6%
• Common ancestry: Lithuanian 3% Italian 3% Romanian 2%
• Foreign-born: 1%

Political lean MEDSL · Somerset

• 2024 margin: R (+17.4) · D 40.2% · R 57.5% · Other 2.3%
• 2008→2024 swing: -14.8pp toward R · 2008: -2.6pp · 2024: -17.4pp
• All cycles: 2024: R+17.4 2020: R+14.8 2016: R+17.9 2012: R+2.5 2008: R+2.6

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▲ 2.67%
• Current HPI: 243.9859
• 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

+69.8% since first listed

5 events — show timeline

• 2026-05-06 Listed $84,900 BRIGHT MLS
• 2026-05-04 Coming Soon $84,900 BRIGHT MLS
• 2020-12-10 Sold (MLS) $48,000 BRIGHT MLS
• 2020-10-26 Pending — BRIGHT MLS
• 2020-10-12 Listed $50,000 BRIGHT MLS