18425 Takoma Dr SW · Moscow, MD 21521

$150,000

3 bd · 2.0 ba · 1,956 sqft · SingleFamily public records · 65 Days on market

Built 1966 0.45 ac lot $77/sqft · at area comps Est $143k · at est. ↓ 29% since listing

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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 +14.1/30.0
• Appreciation +7.0/10.0
• ARV discount +5.3/15.0
• DSCR +4.3/10.0
• 1% rule +3.9/10.0
• Livability +2.9/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Schools +1.9/10.0

Listing remarks MLS

Home is being sold AS-IS. Investor opportunity in the heart of Barton MD! This property is full of potential and ready for your vision. Being sold as-is, the home will require interior renovations, making it an ideal candidate for a fix-and-flip, rental investment, or value-add project. With the right updates, this property could be transformed into a great income-producing asset or resale opportunity. Seller will look at cash offers only due to property condition.

Key facts

• 0.45 acre lot
• 2 garage spots
• Built 1966

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $150k.

Deal economics

• At list price, monthly cash flow is $-34 ($-403/yr) — negative.
• To cash-flow at today's rent, offer at most $144k (4.0% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $134k (10.6% below list).
• Recommended offer: $134k (10.6% below list) — sets the bar for 1% rule.

Location & tenants

• Location reads 57/100 on livability (#404 in MD) — a working-class tenant base; expect higher turnover. Strengths: cost of living A+; Watch: employment D+, housing D, crime F.
• Allegany County Public Schools (other): math 15% / reading 30% proficiency, ranked #18 of 24 in MD (top 75%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover.
• Zoned schools: George'S Creek Elementary (math 8% / reading 12%, grade F, #614 of 860 statewide, top 75%, 268 students, 68% FRL); Westmar Middle (math 6% / reading 30%, grade F, #165 of 225 statewide, top 75%, 232 students, 70% FRL); Mountain Ridge High School (math 32% / reading 72%, grade D+, #100 of 222 statewide, top 47%, 736 students, 48% FRL) — zoned schools average 62% FRL vs 47% district-wide (15 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Market conditions: 6 active listings in the ZIP; 24 units permitted in Allegany County in 2024 (0 in 5+ unit buildings).

Forward outlook

• In year one you build about $7k of equity ($1k loan paydown + $6k appreciation (3.9% local appreciation)).
• Allegany County population projected at -14% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.
• At projected returns (3.9% appreciation + 3.0% rent growth), your $42k cash investment doubles in ~6 years — after that, you're playing with house money.
• By year 6, paydown + projected appreciation supports a ~$37k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• It's been on market 65 days — a 6% lower offer ($141k) is reasonable based on typical stale-listing flexibility.
• 2 sale attempts since 3y ago; this cycle's ask has dropped $25k (14%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Risks & watch-outs

• Watch-outs: flood insurance adds $56/mo.
• Climate carrying-cost: severe flood risk — expect insurance premiums to compound above CPI over the hold.

Recommended offer $134,036 (10.6% below list)

Questions for the listing agent

1. What do current leases actually rent for vs. the listed asking? Can we see a recent rent roll and the last 12 months of T-12 income?
2. It's been on market 65 days. Have you received any prior offers? Is the seller open to a 11% concession, seller financing, or rate buy-down credit?
3. Built in 1966 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
4. What's the actual annual flood-insurance premium (NFIP or private), and is the property in a SFHA with mandatory coverage?
5. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
6. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
7. 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?
8. 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?
9. 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?
10. 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.
11. 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.
12. 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: 0.89% ✗
• Cap rate: 6.47%
• Cash-on-cash: 0.63%
• DSCR: 1.03
• GRM: 9.3

CMA / ARV

• ARV (median comp): $142,922
• List price: $150,000
• Delta: 4.95%
• Verdict: FAIR
• Comps: 16 within 1.0 mi

Show comp detail 4 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
18425 Takoma Dr SW	0.00mi	3/2.0	1,956 (0%)	0mo	$110,000	$56	100
18918 Bradley St	0.61mi	3/1.0	2,000 (+2%)	10mo	$35,000	$18	56
23800 Walnut St	0.61mi	4/1.5 (+1)	1,860 (-5%)	17mo	$134,900	$73	42
18917 High St	0.68mi	4/2.0 (+1)	1,664 (-15%)	12mo	$165,000	$99	28

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

Projected returns pro-forma

3.93% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 9.3%
• Equity multiple: 1.56×
• Total profit: $23,535
• Equity at exit: $75,480

10-year hold

• IRR: 11.3%
• Equity multiple: 2.86×
• Total profit: $77,910
• Equity at exit: $123,000

Cash invested: $42,000 (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 21521

• Home prices YoY: 1.2%
• Active inventory: 6
• Price-to-rent: 9.3×

Monthly cashflow live

• Estimated rent: $1,340 medium
• Mortgage (P&I): −$787
• Tax from tax record: −$188 /mo · $2,254/yr
• Insurance: −$62
• Flood insurance flood zone: −$56 /mo · $666/yr
• HOA: −$0
• Vacancy / Maint / Mgmt: −$281
• Net cashflow: $-34

Break-even live

Break-even rent $1,383

Max offer price $144,060

Occupancy floor 98%

Sensitivity live

Price	-10% $51	-5% $9	+0% $-34	+5% $-76	+10% $-119
Rent	-10% $-140	-5% $-87	+0% $-34	+5% $19	+10% $72
Rate	-1.0pp $42	-0.5pp $5	base $-34	+0.5pp $-72	+1.0pp $-112

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: —

Listing history 7 events

1. 2026-05-14
   price $150,000 469-char remark

   Show marketing remark (469 chars)

   Home is being sold AS-IS. Investor opportunity in the heart of Barton MD! This property is full of potential and ready for your vision. Being sold as-is, the home will require interior renovations, making it an ideal candidate for a fix-and-flip, rental investment, or value-add project. With the right updates, this property could be transformed into a great income-producing asset or resale opportunity. Seller will look at cash offers only due to property condition.

2. 2026-03-23
   listed $175,000 Active 469-char remark

   Show marketing remark (469 chars)

   Home is being sold AS-IS. Investor opportunity in the heart of Barton MD! This property is full of potential and ready for your vision. Being sold as-is, the home will require interior renovations, making it an ideal candidate for a fix-and-flip, rental investment, or value-add project. With the right updates, this property could be transformed into a great income-producing asset or resale opportunity. Seller will look at cash offers only due to property condition.

3. 2026-03-19
   historical $175,000 469-char remark

   Show marketing remark (469 chars)

   Home is being sold AS-IS. Investor opportunity in the heart of Barton MD! This property is full of potential and ready for your vision. Being sold as-is, the home will require interior renovations, making it an ideal candidate for a fix-and-flip, rental investment, or value-add project. With the right updates, this property could be transformed into a great income-producing asset or resale opportunity. Seller will look at cash offers only due to property condition.

4. 2023-11-20
   soldstatus $215,000
5. 2023-10-27
   soldstatus $215,000 Closed 408-char remark

   Show marketing remark (408 chars)

   Built in 1966 by Kermit Failinger, this spacious Brick Rancher in the "Meadow" is waiting on you and your family! It features 3 Bedrooms including a primary suite, 2 full bathrooms, dining room and a HUGE basement that's already mostly finished. The 2 car garage and shed offers plenty of extra storage room. Yes, there IS hardwood under the carpet in the living area. Schedule your showing today!

6. 2023-10-16
   status Pending 408-char remark

   Show marketing remark (408 chars)

   Built in 1966 by Kermit Failinger, this spacious Brick Rancher in the "Meadow" is waiting on you and your family! It features 3 Bedrooms including a primary suite, 2 full bathrooms, dining room and a HUGE basement that's already mostly finished. The 2 car garage and shed offers plenty of extra storage room. Yes, there IS hardwood under the carpet in the living area. Schedule your showing today!

7. 2023-10-08
   listed $210,000 Active 408-char remark

   Show marketing remark (408 chars)

   Built in 1966 by Kermit Failinger, this spacious Brick Rancher in the "Meadow" is waiting on you and your family! It features 3 Bedrooms including a primary suite, 2 full bathrooms, dining room and a HUGE basement that's already mostly finished. The 2 car garage and shed offers plenty of extra storage room. Yes, there IS hardwood under the carpet in the living area. Schedule your showing today!

ⓘ 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: $2,254 · $188/mo
• Projected year-2 tax: $2,254 · $188/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 9/10 Extreme FEMA zone X (unshaded) · 99% chance over 30 yrs
• 🔥 Wildfire 3/10 Moderate
• 🌡 Heat 4/10 Moderate 7 d/yr ≥90°F today · 18 d/yr by 30 yrs out
• 💨 Wind 2/10 Low 0% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 0 unhealthy d/yr today · 1 by 30 yrs out

Taxation est. · year 1

• Rental income: $16,084
• − Mortgage interest: −$8,402
• − Property taxes: −$2,254
• − Insurance: −$1,416
• − Repairs & maintenance: −$1,287
• − Management: −$1,287
• − Depreciation: −$4,364
• Taxable loss: −$2,926
• Est. tax savings @ 24.0%: +$702
• After-tax cash flow: $299/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: Allegany County Public Schools
• NCES district ID: 2400030
• Math proficiency: 15% ▼ -26.00%
• Reading proficiency: 30% ▼ -20.00%
• Median HH income: $39,760
• Composite: 18.95/100
• National rank: #8854
• State rank: #18 of 24 in MD

Livability — Moscow

• Score: 57/100
• State rank: #404
• US rank: #22237

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Moscow, MD
• Population (ZIP): 1,521

Population outlook (Allegany County) Hauer SSP2

• Today (2025): 68,778 people
• By 2030: 66,766 · -2.9%
• By 2040: 62,784 · -8.7%
• By 2050: 59,179 · -14.0%
• By 2075: 50,732 · -26.2%
• By 2100: 40,837 · -40.6%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (99%)
• Race & ethnicity: White 99%
• Common ancestry: Slovak 4% Danish 2% Iranian 1%
• Foreign-born: 0% · Canada

Political lean MEDSL · Allegany

• 2024 margin: Solid R (+40.3) · D 28.9% · R 69.2% · Other 2.0%
• 2008→2024 swing: -14.4pp toward R · 2008: -25.9pp · 2024: -40.3pp
• All cycles: 2024: R+40.3 2020: R+38.3 2016: R+48.0 2012: R+32.9 2008: R+25.9

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▲ 3.93%
• Current HPI: 339.4039
• 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

-28.6% since first listed

7 events — show timeline

• 2026-05-14 Price Changed $150,000 BRIGHT MLS
• 2026-03-23 Listed $175,000 BRIGHT MLS
• 2026-03-19 Coming Soon $175,000 BRIGHT MLS
• 2023-11-20 Sold (Public Records) $215,000 Public Records
• 2023-10-27 Sold (MLS) $215,000 BRIGHT MLS
• 2023-10-16 Pending — BRIGHT MLS
• 2023-10-08 Listed $210,000 BRIGHT MLS

Property tax history

+3.0%/yr

Latest (2025): $2,254 · +8.4% YoY. Source: county tax records.