2725 N Rosedale St · Baltimore, MD 21216

$166,000

3 bd · 1.5 ba · 1,566 sqft · Townhouse public records · 41 Days on market

Built 1953 $106/sqft · 31% below area Est $241k · 31% 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 +21.4/30.0
• ARV discount +15.0/15.0
• DSCR +6.8/10.0
• 1% rule +5.9/10.0
• 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

This lovely renovated Rowe home is move in ready and just waiting for you! 3 bedroom, 1 1/2 bath, finished basement with a family room and a large laundry room. All new heating and central air with a fenced backyard this home boast a Sun room with plenty of windows perfect for growing flowers or enjoying down time with family and friends. Welcome to the Hanlon Park community, This remarkable home just needs new a homeowner.

Key facts

• Built 1953
• Listed 41 days

Property features AI

Finance

• Other: Ownership interest listed as ground rent
• Financial info: Ground rent $180 annually; Annual ground rent listed in income/expense items

Exterior

• Parking: On-street parking
• Utilities: Public water; Public sewer
• Home design: Brick construction
• Construction: Brick exterior; Estimated year built
• Exterior features: Not in a federal flood zone; Ground rent exists (paid annually)

Interior

• Bedrooms: 3 bedrooms on main level
• Bathrooms: 1 full bathroom on main level; 1 half bathroom on main level
• Heating & cooling: Forced air heating (natural gas); Central air conditioning (electric); Hot water provided by natural gas
• Interior features: Partially finished basement; Living area reported by assessor

What this means for you Summary

Snapshot

• This is a 3-bed/1.5-bath townhouse listed at $166k.

Deal economics

• At list price, monthly cash flow is $247 ($3k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $166k).
• Recommended offer: $161k (3.0% 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 24d 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 $1,814/mo this rent would consume 52% 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 $5k 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 $46k cash investment doubles in ~10 years — after that, you're playing with house money.

Negotiation context

• It's been on market 41 days — a 3% lower offer ($161k) is reasonable based on typical stale-listing flexibility.
• 4 sale attempts since 8y ago; this cycle's ask is 19% above the opening price — seller raised mid-cycle; expect resistance to lowballs.

Risks & watch-outs

• Watch-outs: built in 1953 — 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 $161,020 (3.0% below list)

Questions for the listing agent

1. It's been on market 41 days. Have you received any prior offers? Is the seller open to a 3% concession, seller financing, or rate buy-down credit?
2. Built in 1953 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. 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?
5. 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?
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: 1.09% ✓
• Cap rate: 8.07%
• Cash-on-cash: 6.36%
• DSCR: 1.28
• GRM: 7.6

CMA / ARV

• ARV (median comp): $241,106
• List price: $166,000
• Delta: -31.15%
• 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
3433 Piedmont Ave	0.36mi	3/1.5	1,650 (+5%)	5mo	$123,900	$75	70
2326 Braddish Ave	0.47mi	3/1.5	1,500 (-4%)	2mo	$159,000	$106	70
3015 Windsor Ave	0.39mi	3/2.5	1,674 (+7%)	2mo	$240	—	65
2304 Ashburton St	0.46mi	4/2.0 (+1)	1,520 (-3%)	4mo	$255,000	$168	63
3104 Tioga Pkwy	0.56mi	3/2.0	1,640 (+5%)	3mo	$217,000	$132	62
1640 N Ellamont St	0.74mi	3/1.5	1,650 (+5%)	4mo	$65,000	$39	53
1635 N Rosedale St	0.73mi	4/3.0 (+1)	1,572 (+0%)	4mo	$198,500	$126	51
3609 Liberty Heights Ave	0.68mi	4/2.5 (+1)	1,623 (+4%)	4mo	$269,000	$166	50
3635 Wabash Ave	0.66mi	3/1.5	1,400 (-11%)	4mo	$159,000	$114	48
3014 Tioga Pkwy	0.54mi	3/1.0	1,360 (-13%)	4mo	$180,000	$132	48
1625 N Rosedale St	0.75mi	3/1.0	1,396 (-11%)	2mo	$36,000	$26	44
3520 White Chapel Rd	0.70mi	3/2.5	1,718 (+10%)	5mo	$130,000	$76	43

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: -2.9%
• Equity multiple: 0.89×
• Total profit: $-5,314
• Equity at exit: $24,751

10-year hold

• IRR: 10.0%
• Equity multiple: 1.89×
• Total profit: $41,314
• Equity at exit: $14,353

Cash invested: $46,480 (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: 7.6×

Monthly cashflow live

• Estimated rent: $1,814 high
• Mortgage (P&I): −$871
• Tax from tax record: −$247 /mo · $2,964/yr
• Insurance: −$69
• HOA: −$0
• Vacancy / Maint / Mgmt: −$381
• Net cashflow: $247

Break-even live

Break-even rent $1,502

Max offer price $166,000

Occupancy floor 81%

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: $41,500
• Closing costs: $4,980
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
3028 Hanlon Ave Baltimore, MD	3.0	2.0	1200	$1,711	$1.43	23d	1	0.12mi
3403 Carlisle Ave Apt 1 Baltimore, MD	2.0	1.0	1100	$1,600	$1.45	11d	1	0.29mi
3030 Windsor Ave Baltimore, MD	4.0	1.5	2124	$1,995	$0.94	4d	1	0.39mi
2917 Clifton Ave Baltimore, MD	4.0	4.0	1700	$2,150	$1.26	23d	1	0.52mi
2812 Clifton Ave Baltimore, MD	3.0	1.5	1650	$1,850	$1.12	43d	1	0.52mi
3104 Tioga Pkwy Baltimore, MD	3.0	2.0	1640	$2,050	$1.25	21d	1	0.59mi
3904 Gwynns Falls Pkwy Baltimore, MD	3.0	2.0	1772	$2,600	$1.47	43d	1	0.69mi
2103 Chelsea Ter Unit 1 Baltimore, MD	2.0	2.0	1500	$2,200	$1.47	14d	1	0.72mi
2103 Chelsea Ter Unit 2 Baltimore, MD	3.0	1.5	1500	$2,100	$1.40	14d	1	0.72mi
3204 Sequoia Ave Baltimore, MD	4.0	2.5	1791	$2,600	$1.45	43d	1	0.75mi
2636 W North Ave Baltimore, MD	2.0–3.0	1.0–2.0	975	$1,475	$1.51	4d	1	0.76mi
3508 Grantley Rd Baltimore, MD	2.0	1.0	1250	$1,350	$1.08	23d	1	0.77mi
1633 N Hilton St Baltimore, MD	4.0	2.5	1920	$2,600	$1.35	17d	1	0.78mi
2305 Wichita Ave Unit 1 Baltimore, MD	3.0	1.0	1950	$1,300	$0.67	23d	1	0.79mi
2910 Reisterstown Rd Baltimore, MD	1.0–3.0	1.0	950	$1,414	$1.49	14d	4	0.83mi
1530 N Rosedale St Baltimore, MD	3.0	2.0	1641	$1,895	$1.15	14d	1	0.87mi
3709 Nortonia Rd #2 Baltimore, MD	2.0	1.0	1289	$1,450	$1.12	17d	1	0.89mi
1513 N Ellamont St Baltimore, MD	3.0	1.0	1700	$1,700	$1.00	23d	1	0.91mi
3309 Brighton St Baltimore, MD	3.0	1.0	1134	$1,700	$1.50	43d	1	0.92mi
2405 W North Ave Baltimore, MD	4.0	3.0	1826	$1,900	$1.04	4d	1	0.95mi
3003 Presstman St Unit 2 Baltimore, MD	2.0	1.0	1450	$1,300	$0.90	23d	1	0.95mi
3003 Presstman St Unit 1 Baltimore, MD	2.0	2.0	1450	$1,400	$0.97	44d	1	0.95mi
2800 Presstman St Baltimore, MD	3.0	2.5	1460	$1,799	$1.23	23d	1	0.96mi
2204 Clifton Ave Baltimore, MD	3.0	1.0	1400	$1,450	$1.04	4d	1	0.98mi
3914 Maine Ave Unit 3 Baltimore, MD	2.0	1.0	2127	$1,150	$0.54	43d	1	1.00mi
1402 Poplar Grove St Baltimore, MD	4.0	1.5	1540	$800	$0.52	43d	1	1.01mi
2128 N Pulaski St Baltimore, MD	4.0	3.0	2166	$2,200	$1.02	43d	1	1.05mi
1617-A Moreland Ave Unit 2nd Flr Baltimore, MD	2.0	1.0	1500	$1,400	$0.93	43d	1	1.05mi
1816 N Bentalou St Baltimore, MD	3.0	2.0	1350	$1,700	$1.26	10d	1	1.05mi
1816 N Bentalou St Baltimore, MD	3.0	2.0	1350	$1,700	$1.26	23d	1	1.05mi
4309 Norfolk Ave Unit 1st Floor Baltimore, MD	2.0	1.0	1470	$1,500	$1.02	11d	1	1.11mi
2201 Whittier Ave Baltimore, MD	4.0	2.0	1750	$1,700	$0.97	43d	1	1.16mi
2201 Whittier Ave Baltimore, MD	4.0	2.0	1750	$1,700	$0.97	17d	1	1.16mi
3238 Westmont Ave Baltimore, MD	3.0	1.0	1280	$1,600	$1.25	43d	1	1.16mi
2728 Winchester St Baltimore, MD	3.0	1.5	1260	$1,800	$1.43	3d	1	1.20mi
2301 Whittier Ave Unit 3 Baltimore, MD	2.0	2.0	1104	$1,650	$1.49	43d	1	1.20mi
2301 Whittier Ave Unit 1 Baltimore, MD	2.0	1.0	1104	$1,400	$1.27	43d	1	1.20mi
2301 Whittier Ave Unit 2 Baltimore, MD	2.0	2.0	1104	$1,400	$1.27	43d	1	1.20mi
2231 Orem Ave Baltimore, MD	3.0	1.5	1140	$1,750	$1.54	17d	1	1.21mi
3822 Pall Mall Rd Baltimore, MD	3.0	1.5	1320	$1,875	$1.42	43d	1	1.22mi

Listing history 26 events

1. 2026-06-18
   days on market $166,000 Active 41 DOM
2. 2026-06-17
   days on market $166,000 Active 40 DOM
3. 2026-06-16
   days on market $166,000 Active 39 DOM
4. 2026-06-15
   days on market $166,000 Active 38 DOM
5. 2026-06-13
   days on market $166,000 Active 36 DOM
6. 2026-06-09
   days on market $166,000 Active 32 DOM
7. 2026-06-08
   days on market $166,000 Active 31 DOM
8. 2026-06-07
   days on market $166,000 Active 30 DOM
9. 2026-06-04
   days on market $166,000 Active 27 DOM
10. 2026-06-03
    days on market $166,000 Active 26 DOM
11. 2026-06-02
    days on market $166,000 Active 25 DOM
12. 2026-06-02
    remarks 591-char remark
13. 2026-06-02
    price $166,000 Active 24 DOM
14. 2026-06-01
    days on market $140,000 Active 24 DOM
15. 2026-05-31
    days on market $140,000 Active 23 DOM
16. 2026-05-08
    listed $140,000 Active 679-char remark
17. 2023-01-31
    soldstatus $175,000
18. 2022-11-18
    soldstatus $175,000 Closed 429-char remark

    Show marketing remark (429 chars)

    This lovely renovated Rowe home is move in ready and just waiting for you! 3 bedroom, 1 1/2 bath, finished basement with a family room and a large laundry room. All new heating and central air with a fenced backyard this home boast a Sun room with plenty of windows perfect for growing flowers or enjoying down time with family and friends. Welcome to the Hanlon Park community, This remarkable home just needs new a homeowner.

19. 2022-10-06
    status Pending 429-char remark

    Show marketing remark (429 chars)

    This lovely renovated Rowe home is move in ready and just waiting for you! 3 bedroom, 1 1/2 bath, finished basement with a family room and a large laundry room. All new heating and central air with a fenced backyard this home boast a Sun room with plenty of windows perfect for growing flowers or enjoying down time with family and friends. Welcome to the Hanlon Park community, This remarkable home just needs new a homeowner.

20. 2022-09-29
    status Active 429-char remark

    Show marketing remark (429 chars)

    This lovely renovated Rowe home is move in ready and just waiting for you! 3 bedroom, 1 1/2 bath, finished basement with a family room and a large laundry room. All new heating and central air with a fenced backyard this home boast a Sun room with plenty of windows perfect for growing flowers or enjoying down time with family and friends. Welcome to the Hanlon Park community, This remarkable home just needs new a homeowner.

21. 2022-09-28
    status Pending 429-char remark

    Show marketing remark (429 chars)

    This lovely renovated Rowe home is move in ready and just waiting for you! 3 bedroom, 1 1/2 bath, finished basement with a family room and a large laundry room. All new heating and central air with a fenced backyard this home boast a Sun room with plenty of windows perfect for growing flowers or enjoying down time with family and friends. Welcome to the Hanlon Park community, This remarkable home just needs new a homeowner.

22. 2022-09-23
    listed $175,000 Active 429-char remark

    Show marketing remark (429 chars)

    This lovely renovated Rowe home is move in ready and just waiting for you! 3 bedroom, 1 1/2 bath, finished basement with a family room and a large laundry room. All new heating and central air with a fenced backyard this home boast a Sun room with plenty of windows perfect for growing flowers or enjoying down time with family and friends. Welcome to the Hanlon Park community, This remarkable home just needs new a homeowner.

23. 2022-09-15
    historical $175,000 429-char remark

    Show marketing remark (429 chars)

    This lovely renovated Rowe home is move in ready and just waiting for you! 3 bedroom, 1 1/2 bath, finished basement with a family room and a large laundry room. All new heating and central air with a fenced backyard this home boast a Sun room with plenty of windows perfect for growing flowers or enjoying down time with family and friends. Welcome to the Hanlon Park community, This remarkable home just needs new a homeowner.

24. 2019-01-17
    soldstatus $43,000 Closed

    Show marketing remark (236 chars)

    Priced to Sell! 3 bedroom 1 bath traditional all brick porch front row house. spacious living room and dining room with nice size kitchen on 1st floor. Home is Sold As-Is. Property is on auction terms, contact local agent for details.

25. 2018-12-31
    status Pending

    Show marketing remark (236 chars)

    Priced to Sell! 3 bedroom 1 bath traditional all brick porch front row house. spacious living room and dining room with nice size kitchen on 1st floor. Home is Sold As-Is. Property is on auction terms, contact local agent for details.

26. 2018-12-20
    listed $78,000 Active

    Show marketing remark (236 chars)

    Priced to Sell! 3 bedroom 1 bath traditional all brick porch front row house. spacious living room and dining room with nice size kitchen on 1st floor. Home is Sold As-Is. Property is on auction terms, contact local agent for details.

ⓘ 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: $2,964 · $247/mo
• Projected year-2 tax: $2,964 · $247/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 ≥104°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: $21,770
• − Mortgage interest: −$9,299
• − Property taxes: −$2,964
• − Insurance: −$830
• − Repairs & maintenance: −$1,742
• − Management: −$1,742
• − Depreciation: −$4,829
• Taxable income: $365
• Est. tax owed @ 24.0%: −$88
• After-tax cash flow: $2,870/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

+112.8% since first listed

12 events — show timeline

• 2026-06-02 Price Changed $166,000 BRIGHT MLS
• 2026-05-08 Listed $140,000 BRIGHT MLS
• 2023-01-31 Sold (Public Records) $175,000 Public Records
• 2022-11-18 Sold (MLS) $175,000 BRIGHT MLS
• 2022-10-06 Pending — BRIGHT MLS
• 2022-09-29 Relisted — BRIGHT MLS
• 2022-09-28 Pending — BRIGHT MLS
• 2022-09-23 Listed $175,000 BRIGHT MLS
• 2022-09-15 Coming Soon $175,000 BRIGHT MLS
• 2019-01-17 Sold (MLS) $43,000 BRIGHT MLS
• 2018-12-31 Pending — BRIGHT MLS
• 2018-12-20 Listed $78,000 BRIGHT MLS

Property tax history

+3.1%/yr

Latest (2025): $2,964 · +22.0% YoY. Source: county tax records.