3030 Windsor Ave · Baltimore, MD 21216

$189,990

4 bd · 1.5 ba · 1,979 sqft · Townhouse public records · 182 Days on market

Built 1917 $96/sqft · 16% below area Est $242k · 21% under

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Why this score? — see what drove the C+ 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 +21.3/30.0
• ARV discount +15.0/15.0
• DSCR +6.8/10.0
• 1% rule +5.7/10.0
• Rent growth +4.0/5.0
• Livability +3.8/5.0
• Condition / age +2.5/5.0
• Schools +1.0/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

DON'T MISS OUT!! This charming 4 bedroom and 1.5 bath brick townhome boasts new updates from top to bottom: Brand NEW Central HVAC, New windows, new drywall, new flooring, new cabinets and counters, new interior doors, fresh paint, and brand new electrical (including outlets and switches)- come take a look! The main level welcomes you with an open flow between the living room, half bath, and the kitchen/dining area — ideal for everyday living and casual entertaining. Upstairs, find four sun-filled bedrooms and a full bath with shower/tub. Additionally the fully finished lower level offers a bonus room, and utility area with extra storage potential. Outside, the fenced rear yard is the perfect spot to grill out with family and friends. Don't miss you opportunity!

Key facts

• New drywall
• New flooring
• New cabinets

Tags

• NEW WINDOWS
• NEW DRYWALL
• NEW FLOORING
• NEW CABINETS
• NEW COUNTERS
• NEW INTERIOR DOORS

What this means for you Summary

Snapshot

• This is a 4-bed/1.5-bath townhouse listed at $190k.

Deal economics

• At list price, monthly cash flow is $279 ($3k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $190k).
• Recommended offer: $167k (12.0% below list) — sets the bar for market timing.
• Cap rate 8.1% 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 fast (+6.1%/yr); 252 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals at typical pace (median 25d on market — plan ~3-4 weeks tenant-placement turnaround); lower-income renter base — watch delinquency; 1,273 units permitted in Baltimore city in 2024 (1,104 in 5+ unit buildings).
• At $2,041/mo this rent would consume 58% of the median local household income ($42k/yr) (locally 2264% of renters already pay >50% of income on rent) — very limited rent-growth headroom before tenants either downsize or default.

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $1k of loan paydown is wiped out by about $6k 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 + 6.1% rent growth), your $53k cash investment doubles in ~10 years — after that, you're playing with house money.

Negotiation context

• It's been on market 182 days — a 12% lower offer ($167k) is reasonable based on typical stale-listing flexibility.
• 7 sale attempts since 3y ago; this cycle's ask is 8737% above the opening price — seller raised mid-cycle; expect resistance to lowballs.

Risks & watch-outs

• Watch-outs: built in 1917 — 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 $167,191 (12.0% below list)

Questions for the listing agent

1. It's been on market 182 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 1917 — 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 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?
6. 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?
7. 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.
8. 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.
9. 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: 1.07% ✓
• Cap rate: 8.05%
• Cash-on-cash: 6.29%
• DSCR: 1.28
• GRM: 7.8

CMA / ARV

• ARV (median comp): $241,907
• List price: $189,990
• Delta: -21.46%
• Verdict: UNDERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
3001 Elgin Ave	0.06mi	4/2.0	1,960 (-1%)	7mo	$252,750	$129	88
2307 N Rosedale St	0.08mi	4/2.5	1,908 (-4%)	0mo	$235,000	$123	86
2101 N Longwood St	0.09mi	4/3.5	1,928 (-3%)	7mo	$250,000	$130	78
3204 Piedmont Ave	0.33mi	4/3.0	1,890 (-4%)	1mo	$300,000	$159	70
3202 Piedmont Ave	0.33mi	4/3.0	1,890 (-4%)	2mo	$299,900	$159	70
2324 Koko Ln	0.30mi	4/2.0	1,848 (-7%)	5mo	$225,000	$122	68
3031 Hanlon Ave	0.24mi	3/2.0 (-1)	1,820 (-8%)	1mo	$260,000	$143	68
2111 N Ellamont St	0.11mi	4/2.0	2,244 (+13%)	7mo	$265,000	$118	65
3304 Brighton St	0.53mi	3/1.5 (-1)	1,908 (-4%)	2mo	$155,000	$81	62
3214 Presstman	0.55mi	4/2.5	1,919 (-3%)	4mo	$196,000	$102	62
2031 N Dukeland St	0.28mi	4/3.0	2,200 (+11%)	7mo	$270,000	$123	56
3118 Normount Ave	0.68mi	3/2.0 (-1)	1,725 (-13%)	1mo	$174,990	$101	39

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 · 6.1% rent growth · sell at horizon

5-year hold

• IRR: -3.1%
• Equity multiple: 0.88×
• Total profit: $-6,416
• Equity at exit: $28,328

10-year hold

• IRR: 9.8%
• Equity multiple: 1.87×
• Total profit: $46,162
• Equity at exit: $16,427

Cash invested: $53,197 (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 21216

• Rents YoY: 6.1%
• Active inventory: 252
• Price-to-rent: 7.8×

Monthly cashflow live

• Estimated rent: $2,041 high
• Mortgage (P&I): −$996
• Tax from tax record: −$258 /mo · $3,091/yr
• Insurance: −$79
• HOA: −$0
• Vacancy / Maint / Mgmt: −$429
• Net cashflow: $279

Break-even live

Break-even rent $1,687

Max offer price $189,990

Occupancy floor 81%

Sensitivity live

Price	-10% $386	-5% $333	+0% $279	+5% $225	+10% $171
Rent	-10% $118	-5% $198	+0% $279	+5% $360	+10% $440
Rate	-1.0pp $375	-0.5pp $327	base $279	+0.5pp $230	+1.0pp $180

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: $47,498
• Closing costs: $5,700
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
3030 Windsor Ave Baltimore, MD	4.0	1.5	2124	$1,995	$0.94	5d	1	0.03mi
2917 Clifton Ave Baltimore, MD	4.0	4.0	1700	$2,150	$1.26	25d	1	0.15mi
2812 Clifton Ave Baltimore, MD	3.0	1.5	1650	$1,850	$1.12	44d	1	0.23mi
1633 N Hilton St Baltimore, MD	4.0	2.5	1920	$2,600	$1.35	19d	1	0.40mi
1530 N Rosedale St Baltimore, MD	3.0	2.0	1641	$1,895	$1.15	15d	1	0.46mi
1513 N Ellamont St Baltimore, MD	3.0	1.0	1700	$1,700	$1.00	25d	1	0.50mi
2800 Presstman St Baltimore, MD	3.0	2.5	1460	$1,799	$1.23	25d	1	0.56mi
1402 Poplar Grove St Baltimore, MD	4.0	1.5	1540	$800	$0.52	44d	1	0.60mi
2103 Chelsea Ter Unit 2 Baltimore, MD	3.0	1.5	1500	$2,100	$1.40	15d	1	0.61mi
3104 Tioga Pkwy Baltimore, MD	3.0	2.0	1640	$2,050	$1.25	23d	1	0.66mi
3904 Gwynns Falls Pkwy Baltimore, MD	3.0	2.0	1772	$2,600	$1.47	44d	1	0.71mi
2405 W North Ave Baltimore, MD	4.0	3.0	1826	$1,900	$1.04	5d	1	0.71mi
2401 W North Ave Baltimore, MD	5.0	2.0	2037	$1,800	$0.88	5d	1	0.72mi
3238 Westmont Ave Baltimore, MD	3.0	1.0	1280	$1,600	$1.25	44d	1	0.76mi
2728 Winchester St Baltimore, MD	3.0	1.5	1260	$1,800	$1.43	4d	1	0.79mi
1816 N Bentalou St Baltimore, MD	3.0	2.0	1350	$1,700	$1.26	12d	1	0.81mi
1816 N Bentalou St Baltimore, MD	3.0	2.0	1350	$1,700	$1.26	25d	1	0.81mi
2204 Clifton Ave Baltimore, MD	3.0	1.0	1400	$1,450	$1.04	5d	1	0.83mi
2806 Riggs Ave Baltimore, MD	3.0	2.5	1412	$1,900	$1.35	4d	1	0.84mi
2744 W Mosher St Baltimore, MD	4.0	2.0	1412	$2,100	$1.49	25d	1	0.92mi
2128 N Pulaski St Baltimore, MD	4.0	3.0	2166	$2,200	$1.02	44d	1	0.93mi
2305 Wichita Ave Unit 1 Baltimore, MD	3.0	1.0	1950	$1,300	$0.67	25d	1	0.98mi
798 N Grantley St Baltimore, MD	3.0	2.0	1360	$2,295	$1.69	25d	1	1.05mi
715 N Rosedale St Baltimore, MD	5.0	3.0	1542	$2,550	$1.65	44d	1	1.09mi
2201 Whittier Ave Baltimore, MD	4.0	2.0	1750	$1,700	$0.97	19d	1	1.13mi
2201 Whittier Ave Baltimore, MD	4.0	2.0	1750	$1,700	$0.97	44d	1	1.13mi
3700 Woodridge Rd Baltimore, MD	3.0	1.5	1955	$1,950	$1.00	44d	1	1.14mi
2216 Whittier Ave Baltimore, MD	5.0	1.5	1392	$1,975	$1.42	25d	1	1.14mi
1501 N Payson St Baltimore, MD	3.0	1.0	1400	$1,550	$1.11	44d	1	1.15mi
3204 Sequoia Ave Baltimore, MD	4.0	2.5	1791	$2,600	$1.45	44d	1	1.15mi
4113 Mountwood Rd Baltimore, MD	3.0	1.0	1520	$1,795	$1.18	44d	1	1.15mi
730 Linnard St Unit 1 Baltimore, MD	4.0	1.0	1360	$1,750	$1.29	25d	1	1.17mi
918 N Bentalou St Baltimore, MD	3.0	1.5	1485	$1,750	$1.18	44d	1	1.21mi
2922 Edmondson Ave Baltimore, MD	3.0	2.0	1620	$1,900	$1.17	44d	1	1.21mi
3712 Gelston Dr Baltimore, MD	3.0	2.0	1250	$2,500	$2.00	25d	1	1.24mi
3324 Edmondson Ave Baltimore, MD	3.0	2.5	2300	$1,995	$0.87	23d	1	1.25mi
623 N Grantley St Baltimore, MD	4.0	2.0	1250	$2,000	$1.60	25d	1	1.25mi
1616 N Fulton Ave Baltimore, MD	3.0	2.0	1620	$1,795	$1.11	5d	1	1.25mi
2303 Calverton Heights Ave Baltimore, MD	4.0	2.0	1314	$2,250	$1.71	25d	1	1.28mi
3507 Edmondson Ave Baltimore, MD	4.0	2.0	1428	$2,300	$1.61	44d	1	1.31mi

Listing history 32 events

1. 2026-06-09
   days on market $189,990 Active 182 DOM
2. 2026-06-08
   days on market $189,990 Active 181 DOM
3. 2026-06-07
   days on market $189,990 Active 180 DOM
4. 2026-06-04
   days on market $189,990 Active 177 DOM
5. 2026-06-03
   days on market $189,990 Active 176 DOM
6. 2026-06-02
   days on market $189,990 Active 175 DOM
7. 2026-06-01
   days on market $189,990 Active 174 DOM
8. 2026-05-31
   days on market $189,990 Active 173 DOM
9. 2026-05-09
   price $1,995
10. 2026-04-21
    price $189,990 781-char remark

    Show marketing remark (781 chars)

    DON'T MISS OUT!! This charming 4 bedroom and 1.5 bath brick townhome boasts new updates from top to bottom: Brand NEW Central HVAC, New windows, new drywall, new flooring, new cabinets and counters, new interior doors, fresh paint, and brand new electrical (including outlets and switches)- come take a look! The main level welcomes you with an open flow between the living room, half bath, and the kitchen/dining area — ideal for everyday living and casual entertaining. Upstairs, find four sun-filled bedrooms and a full bath with shower/tub. Additionally the fully finished lower level offers a bonus room, and utility area with extra storage potential. Outside, the fenced rear yard is the perfect spot to grill out with family and friends. Don't miss you opportunity!

11. 2026-03-18
    price $199,990 781-char remark

    Show marketing remark (781 chars)

    DON'T MISS OUT!! This charming 4 bedroom and 1.5 bath brick townhome boasts new updates from top to bottom: Brand NEW Central HVAC, New windows, new drywall, new flooring, new cabinets and counters, new interior doors, fresh paint, and brand new electrical (including outlets and switches)- come take a look! The main level welcomes you with an open flow between the living room, half bath, and the kitchen/dining area — ideal for everyday living and casual entertaining. Upstairs, find four sun-filled bedrooms and a full bath with shower/tub. Additionally the fully finished lower level offers a bonus room, and utility area with extra storage potential. Outside, the fenced rear yard is the perfect spot to grill out with family and friends. Don't miss you opportunity!

12. 2026-03-07
    listed $2,150
13. 2026-03-07
    historical $2,150
14. 2026-03-05
    price $209,990 781-char remark

    Show marketing remark (781 chars)

    DON'T MISS OUT!! This charming 4 bedroom and 1.5 bath brick townhome boasts new updates from top to bottom: Brand NEW Central HVAC, New windows, new drywall, new flooring, new cabinets and counters, new interior doors, fresh paint, and brand new electrical (including outlets and switches)- come take a look! The main level welcomes you with an open flow between the living room, half bath, and the kitchen/dining area — ideal for everyday living and casual entertaining. Upstairs, find four sun-filled bedrooms and a full bath with shower/tub. Additionally the fully finished lower level offers a bonus room, and utility area with extra storage potential. Outside, the fenced rear yard is the perfect spot to grill out with family and friends. Don't miss you opportunity!

15. 2026-02-26
    price $219,990 781-char remark

    Show marketing remark (781 chars)

    DON'T MISS OUT!! This charming 4 bedroom and 1.5 bath brick townhome boasts new updates from top to bottom: Brand NEW Central HVAC, New windows, new drywall, new flooring, new cabinets and counters, new interior doors, fresh paint, and brand new electrical (including outlets and switches)- come take a look! The main level welcomes you with an open flow between the living room, half bath, and the kitchen/dining area — ideal for everyday living and casual entertaining. Upstairs, find four sun-filled bedrooms and a full bath with shower/tub. Additionally the fully finished lower level offers a bonus room, and utility area with extra storage potential. Outside, the fenced rear yard is the perfect spot to grill out with family and friends. Don't miss you opportunity!

16. 2026-02-18
    price $224,990 781-char remark

    Show marketing remark (781 chars)

    DON'T MISS OUT!! This charming 4 bedroom and 1.5 bath brick townhome boasts new updates from top to bottom: Brand NEW Central HVAC, New windows, new drywall, new flooring, new cabinets and counters, new interior doors, fresh paint, and brand new electrical (including outlets and switches)- come take a look! The main level welcomes you with an open flow between the living room, half bath, and the kitchen/dining area — ideal for everyday living and casual entertaining. Upstairs, find four sun-filled bedrooms and a full bath with shower/tub. Additionally the fully finished lower level offers a bonus room, and utility area with extra storage potential. Outside, the fenced rear yard is the perfect spot to grill out with family and friends. Don't miss you opportunity!

17. 2026-02-13
    listed $2,150
18. 2026-02-05
    price $229,990 781-char remark

    Show marketing remark (781 chars)

    DON'T MISS OUT!! This charming 4 bedroom and 1.5 bath brick townhome boasts new updates from top to bottom: Brand NEW Central HVAC, New windows, new drywall, new flooring, new cabinets and counters, new interior doors, fresh paint, and brand new electrical (including outlets and switches)- come take a look! The main level welcomes you with an open flow between the living room, half bath, and the kitchen/dining area — ideal for everyday living and casual entertaining. Upstairs, find four sun-filled bedrooms and a full bath with shower/tub. Additionally the fully finished lower level offers a bonus room, and utility area with extra storage potential. Outside, the fenced rear yard is the perfect spot to grill out with family and friends. Don't miss you opportunity!

19. 2026-02-05
    status Active 781-char remark

    Show marketing remark (781 chars)

    DON'T MISS OUT!! This charming 4 bedroom and 1.5 bath brick townhome boasts new updates from top to bottom: Brand NEW Central HVAC, New windows, new drywall, new flooring, new cabinets and counters, new interior doors, fresh paint, and brand new electrical (including outlets and switches)- come take a look! The main level welcomes you with an open flow between the living room, half bath, and the kitchen/dining area — ideal for everyday living and casual entertaining. Upstairs, find four sun-filled bedrooms and a full bath with shower/tub. Additionally the fully finished lower level offers a bonus room, and utility area with extra storage potential. Outside, the fenced rear yard is the perfect spot to grill out with family and friends. Don't miss you opportunity!

20. 2025-11-05
    historical $2,150
21. 2025-11-01
    listed $2,150
22. 2025-10-20
    historical 781-char remark

    Show marketing remark (781 chars)

    DON'T MISS OUT!! This charming 4 bedroom and 1.5 bath brick townhome boasts new updates from top to bottom: Brand NEW Central HVAC, New windows, new drywall, new flooring, new cabinets and counters, new interior doors, fresh paint, and brand new electrical (including outlets and switches)- come take a look! The main level welcomes you with an open flow between the living room, half bath, and the kitchen/dining area — ideal for everyday living and casual entertaining. Upstairs, find four sun-filled bedrooms and a full bath with shower/tub. Additionally the fully finished lower level offers a bonus room, and utility area with extra storage potential. Outside, the fenced rear yard is the perfect spot to grill out with family and friends. Don't miss you opportunity!

23. 2025-10-11
    historical $2,250
24. 2025-09-30
    price $235,000 781-char remark

    Show marketing remark (781 chars)

    DON'T MISS OUT!! This charming 4 bedroom and 1.5 bath brick townhome boasts new updates from top to bottom: Brand NEW Central HVAC, New windows, new drywall, new flooring, new cabinets and counters, new interior doors, fresh paint, and brand new electrical (including outlets and switches)- come take a look! The main level welcomes you with an open flow between the living room, half bath, and the kitchen/dining area — ideal for everyday living and casual entertaining. Upstairs, find four sun-filled bedrooms and a full bath with shower/tub. Additionally the fully finished lower level offers a bonus room, and utility area with extra storage potential. Outside, the fenced rear yard is the perfect spot to grill out with family and friends. Don't miss you opportunity!

25. 2025-09-26
    price $2,250
26. 2025-09-05
    listed $2,349
27. 2025-08-23
    listed $245,000 Active 781-char remark

    Show marketing remark (781 chars)

    DON'T MISS OUT!! This charming 4 bedroom and 1.5 bath brick townhome boasts new updates from top to bottom: Brand NEW Central HVAC, New windows, new drywall, new flooring, new cabinets and counters, new interior doors, fresh paint, and brand new electrical (including outlets and switches)- come take a look! The main level welcomes you with an open flow between the living room, half bath, and the kitchen/dining area — ideal for everyday living and casual entertaining. Upstairs, find four sun-filled bedrooms and a full bath with shower/tub. Additionally the fully finished lower level offers a bonus room, and utility area with extra storage potential. Outside, the fenced rear yard is the perfect spot to grill out with family and friends. Don't miss you opportunity!

28. 2025-03-25
    soldstatus $180,000
29. 2023-11-06
    soldstatus $96,000
30. 2023-09-26
    soldstatus $96,000 Closed 288-char remark

    Show marketing remark (288 chars)

    An Investor special. This house will not last long. Other houses on the block have been rehab or are being rehab. A MUST SEE. Hurry before this house is gone. The house is strictly being sold AS_IS. There are no representation being made about anything dealing or related to the property.

31. 2023-08-28
    status Pending 288-char remark

    Show marketing remark (288 chars)

    An Investor special. This house will not last long. Other houses on the block have been rehab or are being rehab. A MUST SEE. Hurry before this house is gone. The house is strictly being sold AS_IS. There are no representation being made about anything dealing or related to the property.

32. 2023-08-21
    listed $75,000 Active 288-char remark

    Show marketing remark (288 chars)

    An Investor special. This house will not last long. Other houses on the block have been rehab or are being rehab. A MUST SEE. Hurry before this house is gone. The house is strictly being sold AS_IS. There are no representation being made about anything dealing or related to the property.

ⓘ 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: $3,091 · $258/mo
• Projected year-2 tax: $3,091 · $258/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 3/10 Moderate 3 unhealthy d/yr today · 4 by 30 yrs out

Taxation est. · year 1

• Rental income: $24,486
• − Mortgage interest: −$10,642
• − Property taxes: −$3,091
• − Insurance: −$950
• − Repairs & maintenance: −$1,959
• − Management: −$1,959
• − Depreciation: −$5,527
• Taxable income: $358
• Est. tax owed @ 24.0%: −$86
• After-tax cash flow: $3,261/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): 29,426
• Household income: $42,031
• Rent vs Own: 49.8% rent · 50.2% own
• Severe rent burden: 2264.0

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 Black (91%)
• Race & ethnicity: Black 91% Hispanic / Latino 4% Two or more races 3% White 2%
• Foreign-born: 3% · Canada
• Languages at home: 96% English-only · Spanish 3% French/Haitian/Cajun 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: ▼ -107.42%
• Current HPI: 164.3933
• Rent YoY: ▲ 6.10%
• 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

-97.3% since first listed

24 events — show timeline

• 2026-05-09 Price Changed $1,995 BRIGHTMLS
• 2026-04-21 Price Changed $189,990 BRIGHT MLS
• 2026-03-18 Price Changed $199,990 BRIGHT MLS
• 2026-03-07 Listed for Rent $2,150 BRIGHTMLS
• 2026-03-07 Rental Removed $2,150 APPFOLIO
• 2026-03-05 Price Changed $209,990 BRIGHT MLS
• 2026-02-26 Price Changed $219,990 BRIGHT MLS
• 2026-02-18 Price Changed $224,990 BRIGHT MLS
• 2026-02-13 Listed for Rent $2,150 APPFOLIO
• 2026-02-05 Price Changed $229,990 BRIGHT MLS
• 2026-02-05 Relisted — BRIGHT MLS
• 2025-11-05 Rental Removed $2,150 APPFOLIO
• 2025-11-01 Listed for Rent $2,150 APPFOLIO
• 2025-10-20 Listing Removed — BRIGHT MLS
• 2025-10-11 Rental Removed $2,250 APPFOLIO
• 2025-09-30 Price Changed $235,000 BRIGHT MLS
• 2025-09-26 Price Changed $2,250 APPFOLIO
• 2025-09-05 Listed for Rent $2,349 APPFOLIO
• 2025-08-23 Listed $245,000 BRIGHT MLS
• 2025-03-25 Sold (Public Records) $180,000 Public Records
• 2023-11-06 Sold (Public Records) $96,000 Public Records
• 2023-09-26 Sold (MLS) $96,000 BRIGHT MLS
• 2023-08-28 Pending — BRIGHT MLS
• 2023-08-21 Listed $75,000 BRIGHT MLS

Property tax history

+4.1%/yr

Latest (2025): $3,091 · +8.9% YoY. Source: county tax records.