1619-N Fulton Ave N · Baltimore, MD 21217

$119,500

3 bd · 1.0 ba · 824 sqft · Townhouse · 279 Days on market

Built 1920 $145/sqft · 107% above area

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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
• DSCR +10.0/10.0
• 1% rule +8.4/10.0
• ARV discount +7.5/15.0
• Rent growth +4.2/5.0
• Livability +3.8/5.0
• Condition / age +2.5/5.0
• Schools +1.0/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

INVESTOR ALERT----SELLER FINANCING at 4.75% with 10% down payment. 30-year amortizing loan with 5-year balloon. SELLER FINANCING for turnkey rental at 4.75 %. Was completely rehabbed within the past 24 months (copies of permits available). Hookups for washer/dryer. Tenant currently paying market rent of $1550/month and wishes to stay. Tenant is OK with vacant property next door. DO NOT CONTACT TENANT! SELLER FINANCING DETAILS; Purchase price $119,500. 10% down payment ($11,950)+one point ($1,076). Tenant wants to stay and is OK with vacant property next door. $107,550 at 4.75%. Balloon in 5 years--optional extensions for additional fee. Taxes and insurance escrowed. Estimated funds needed to close will be ±$18,000 (includes $11,950 down payment+3 months of escrow+closing costs). Estimated total monthly payment (PITI) is $925--975

Key facts

• Built 1920
• Listed 279 days

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath townhouse listed at $120k.

Deal economics

• At list price, monthly cash flow is $446 ($5k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $120k).
• Recommended offer: $105k (12.0% below list) — sets the bar for market timing.
• Cap rate 11.3% 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 (+6.6%/yr); 331 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); 45% of comp listings sitting > 30 days — soft ceiling on asking rent; lower-income renter base — watch delinquency; 1,273 units permitted in Baltimore city in 2024 (1,104 in 5+ unit buildings).
• At $1,605/mo this rent would consume 50% of the median local household income ($38k/yr) (locally 2921% 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 $826 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 + 6.6% rent growth), your $33k cash investment doubles in ~6 years — after that, you're playing with house money.

Negotiation context

• It's been on market 279 days — a 12% lower offer ($105k) is reasonable based on typical stale-listing flexibility.
• 12 sale attempts since 29y 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: flood insurance adds $56/mo; built in 1920 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: severe flood risk; 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 $105,160 (12.0% below list)

Questions for the listing agent

1. It's been on market 279 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 1920 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. What's the actual annual flood-insurance premium (NFIP or private), and is the property in a SFHA with mandatory coverage?
4. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
5. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
6. 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?
7. 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?
8. 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.
9. 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.
10. 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: 1.34% ✓
• Cap rate: 11.32%
• Cash-on-cash: 17.97%
• DSCR: 1.80
• GRM: 6.2

CMA / ARV

• ARV (median comp): $57,863
• List price: $119,500
• Delta: 106.52%
• Verdict: OVERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 7 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
1121 Mckean Ave	0.38mi	3/1.0	792 (-4%)	1mo	$40,000	$51	75
2019 N Smallwood St	0.47mi	4/2.0 (+1)	800 (-3%)	2mo	$84,000	$105	63
1822 N Bentalou St	0.47mi	4/1.5 (+1)	840 (+2%)	12mo	$102,000	$121	58
920 N Fulton Ave Unit P	0.53mi	2/1.0 (-1)	839 (+2%)	12mo	$54,000	$64	58
1551 N Fulton Ave	0.06mi	2/1.0 (-1)	925 (+12%)	19mo	$96,000	$104	56
2018 Westwood Ave	0.28mi	2/1.0 (-1)	900 (+9%)	15mo	$98,000	$109	54
951 Brooks Ln Unit 1C	0.70mi	2/1.0 (-1)	868 (+5%)	12mo	$130,000	$150	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 · 6.63% rent growth · sell at horizon

5-year hold

• IRR: 10.9%
• Equity multiple: 1.45×
• Total profit: $15,109
• Equity at exit: $17,818

10-year hold

• IRR: 22.7%
• Equity multiple: 3.29×
• Total profit: $76,644
• Equity at exit: $10,332

Cash invested: $33,460 (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 21217

• Rents YoY: 6.6%
• Active inventory: 331
• Price-to-rent: 6.2×

Monthly cashflow live

• Estimated rent: $1,605 high
• Mortgage (P&I): −$627
• Tax from tax record: −$90 /mo · $1,080/yr
• Insurance: −$50
• Flood insurance flood zone: −$56 /mo · $666/yr
• HOA: −$0
• Vacancy / Maint / Mgmt: −$337
• Net cashflow: $446

Break-even live

Break-even rent $1,041

Max offer price $119,500

Occupancy floor 67%

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: $29,875
• Closing costs: $3,585
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
1729 N Fulton Ave Baltimore, MD	3.0	2.0	1081	$1,795	$1.66	43d	1	0.11mi
1722 N Monroe St Baltimore, MD	3.0	1.5	1000	$1,350	$1.35	23d	1	0.15mi
1614 N Calhoun St Baltimore, MD	2.0	1.0	950	$1,300	$1.37	43d	1	0.17mi
1624 Westwood Ave Baltimore, MD	3.0	2.0	1000	$1,900	$1.90	43d	1	0.18mi
1645 N Calhoun St Apt 202 Baltimore, MD	2.0	1.0	650	$1,199	$1.84	43d	1	0.18mi
1534 N Stricker St Baltimore, MD	2.0	1.5	900	$1,475	$1.64	14d	1	0.21mi
1562 N Woodyear St Baltimore, MD	2.0	1.5	788	$1,325	$1.68	23d	1	0.24mi
2614 Pennsylvania Ave Baltimore, MD	1.0–3.0	1.0–2.0	982	$1,141	$1.16	4d	4	0.31mi
1930 N Payson St Baltimore, MD	2.0	2.0	980	$1,500	$1.53	23d	1	0.34mi
2636 Pennsylvania Ave Baltimore, MD	1.0–2.0	1.0	846	$956	$1.13	23d	4	0.34mi
1346 N Carey St Baltimore, MD	2.0	1.5	1100	$1,500	$1.36	43d	1	0.40mi
1515 Retreat St Baltimore, MD	3.0	2.0	1098	$1,800	$1.64	23d	1	0.41mi
1507 Retreat St Unit 1 Baltimore, MD	3.0	3.0	1098	$2,500	$2.28	43d	1	0.43mi
2433 Druid Hill Ave Baltimore, MD	2.0	2.5	1092	$1,999	$1.83	43d	1	0.49mi
2449 Druid Hill Ave Baltimore, MD	2.0	1.0	1100	$1,800	$1.64	43d	1	0.49mi
2143 Druid Hill Ave Unit 2 Baltimore, MD	2.0	1.0	915	$1,400	$1.53	43d	1	0.51mi
1617 Moreland Ave Baltimore, MD	2.0	1.0	900	$1,450	$1.61	23d	1	0.51mi
2037 McCulloh St Unit 3 Baltimore, MD	2.0	2.0	937	$1,650	$1.76	17d	1	0.59mi
2511 Madison Ave #2 Baltimore, MD	3.0	1.0	1100	$1,650	$1.50	43d	1	0.62mi
2301 Riggs Ave Baltimore, MD	3.0	2.0	1072	$1,600	$1.49	23d	1	0.62mi
1920 McCulloh St Apt 2 Baltimore, MD	2.0	1.0	1000	$1,450	$1.45	43d	1	0.63mi
1931 McCulloh St Unit 1 Baltimore, MD	3.0	1.0	1000	$1,500	$1.50	43d	1	0.63mi
2301 Whittier Ave Unit 2 Baltimore, MD	2.0	2.0	1104	$1,400	$1.27	43d	1	0.64mi
2301 Whittier Ave Unit 1 Baltimore, MD	2.0	1.0	1104	$1,400	$1.27	43d	1	0.64mi
2301 Whittier Ave Unit 3 Baltimore, MD	2.0	2.0	1104	$1,650	$1.49	43d	1	0.64mi
1339 W Lafayette Ave #1 Baltimore, MD	2.0	2.0	700	$1,600	$2.29	12d	1	0.65mi
1909 McCulloh St Unit 2 Baltimore, MD	2.0	1.0	717	$1,300	$1.81	23d	1	0.65mi
2016 Linden Ave Unit B Baltimore, MD	2.0	1.0	700	$1,400	$2.00	23d	1	0.74mi
2330 Bryant Ave Unit 4 Baltimore, MD	2.0	1.0	950	$1,500	$1.58	20d	1	0.74mi
3306 Auchentoroly Ter Apt 2 Baltimore, MD	2.0	1.0	600	$1,025	$1.71	3d	1	0.76mi
3401 Woodbrook Ave Unit 1 Baltimore, MD	3.0	1.0	900	$1,199	$1.33	23d	1	0.78mi
1315 Harlem Ave Unit C Baltimore, MD	2.0	1.0	900	$1,425	$1.58	43d	1	0.79mi
1315 Harlem Ave Unit B Baltimore, MD	2.0	1.0	900	$1,425	$1.58	23d	1	0.79mi
2202 Brookfield Ave Baltimore, MD	2.0	1.0	980	$1,600	$1.63	43d	1	0.79mi
1606 Gwynns Falls Pkwy Baltimore, MD	2.0	1.0	748	$1,200	$1.60	23d	1	0.80mi
2636 W North Ave Baltimore, MD	2.0–3.0	1.0–2.0	975	$1,475	$1.51	4d	1	0.81mi
901 Druid Park Lake Dr Baltimore, MD	1.0–2.0	1.0	681	$1,250	$1.84	43d	1	0.84mi
823 Newington Ave Unit 1 Baltimore, MD	2.0	1.0	913	$1,700	$1.86	17d	1	0.84mi
2401 Brookfield Ave Baltimore, MD	2.0–3.0	1.0–2.0	1102	$1,675	$1.52	23d	3	0.84mi
1524 Madison Ave Unit 1 Baltimore, MD	2.0	2.0	800	$1,600	$2.00	23d	1	0.87mi

Listing history 50 events

1. 2026-06-18
   days on market $119,500 Active 279 DOM
2. 2026-06-17
   days on market $119,500 Active 278 DOM
3. 2026-06-16
   days on market $119,500 Active 277 DOM
4. 2026-06-15
   days on market $119,500 Active 276 DOM
5. 2026-06-13
   days on market $119,500 Active 274 DOM
6. 2026-06-09
   days on market $119,500 Active 270 DOM
7. 2026-06-08
   days on market $119,500 Active 269 DOM
8. 2026-06-07
   days on market $119,500 Active 268 DOM
9. 2026-06-04
   days on market $119,500 Active 265 DOM
10. 2026-06-03
    days on market $119,500 Active 264 DOM
11. 2026-06-02
    days on market $119,500 Active 263 DOM
12. 2026-06-01
    days on market $119,500 Active 262 DOM
13. 2026-05-31
    days on market $119,500 Active 261 DOM
14. 2026-03-09
    price $119,500 849-char remark

    Show marketing remark (849 chars)

    INVESTOR ALERT----SELLER FINANCING at 4.75% with 10% down payment. 30-year amortizing loan with 5-year balloon. SELLER FINANCING for turnkey rental at 4.75 %. Was completely rehabbed within the past 24 months (copies of permits available). Hookups for washer/dryer. Tenant currently paying market rent of $1550/month and wishes to stay. Tenant is OK with vacant property next door. DO NOT CONTACT TENANT! SELLER FINANCING DETAILS; Purchase price $119,500. 10% down payment ($11,950)+one point ($1,076). Tenant wants to stay and is OK with vacant property next door. $107,550 at 4.75%. Balloon in 5 years--optional extensions for additional fee. Taxes and insurance escrowed. Estimated funds needed to close will be ±$18,000 (includes $11,950 down payment+3 months of escrow+closing costs). Estimated total monthly payment (PITI) is $925--975

15. 2025-10-09
    soldstatus $104,000
16. 2025-09-12
    listed $125,000 Active 849-char remark

    Show marketing remark (849 chars)

    INVESTOR ALERT----SELLER FINANCING at 4.75% with 10% down payment. 30-year amortizing loan with 5-year balloon. SELLER FINANCING for turnkey rental at 4.75 %. Was completely rehabbed within the past 24 months (copies of permits available). Hookups for washer/dryer. Tenant currently paying market rent of $1550/month and wishes to stay. Tenant is OK with vacant property next door. DO NOT CONTACT TENANT! SELLER FINANCING DETAILS; Purchase price $119,500. 10% down payment ($11,950)+one point ($1,076). Tenant wants to stay and is OK with vacant property next door. $107,550 at 4.75%. Balloon in 5 years--optional extensions for additional fee. Taxes and insurance escrowed. Estimated funds needed to close will be ±$18,000 (includes $11,950 down payment+3 months of escrow+closing costs). Estimated total monthly payment (PITI) is $925--975

17. 2025-09-08
    soldstatus $104,000 Closed 1053-char remark

    Show marketing remark (1053 chars)

    * * TENANT OCCUPIED * * INVESTOR SPECIAL! Newly remodeled 3BR/1BA Townhome located on a tree-lined street. Step inside to a bright and airy main floor offering luxury flooring throughout the large living room, spacious dining room, and brand new kitchen. The dining room features a custom wall of shelving, and an arched entry into the kitchen. The kitchen features stainless steel appliances including an electric range and range hood, plenty of cabinets to the ceiling, granite countertops with a complementing backsplash, and a large double stainless sink. Onto the second floor offering a large primary bedroom, two sizable secondary bedrooms and a full bath. The lower level offers a blank slate for adding additional living space. This home is move-in ready with so much to offer new homeowners including new HVAC, new roof, upgraded electric panel, replacement windows, updated siding on back of house, and so much more. Imagine all this and in close proximity to shopping, restaurants, and commuter routes. ANY & ALL OFFERS CONSIDERED!!

18. 2025-08-05
    status Pending 1053-char remark

    Show marketing remark (1053 chars)

    * * TENANT OCCUPIED * * INVESTOR SPECIAL! Newly remodeled 3BR/1BA Townhome located on a tree-lined street. Step inside to a bright and airy main floor offering luxury flooring throughout the large living room, spacious dining room, and brand new kitchen. The dining room features a custom wall of shelving, and an arched entry into the kitchen. The kitchen features stainless steel appliances including an electric range and range hood, plenty of cabinets to the ceiling, granite countertops with a complementing backsplash, and a large double stainless sink. Onto the second floor offering a large primary bedroom, two sizable secondary bedrooms and a full bath. The lower level offers a blank slate for adding additional living space. This home is move-in ready with so much to offer new homeowners including new HVAC, new roof, upgraded electric panel, replacement windows, updated siding on back of house, and so much more. Imagine all this and in close proximity to shopping, restaurants, and commuter routes. ANY & ALL OFFERS CONSIDERED!!

19. 2025-07-16
    price $114,990 1053-char remark

    Show marketing remark (1053 chars)

    * * TENANT OCCUPIED * * INVESTOR SPECIAL! Newly remodeled 3BR/1BA Townhome located on a tree-lined street. Step inside to a bright and airy main floor offering luxury flooring throughout the large living room, spacious dining room, and brand new kitchen. The dining room features a custom wall of shelving, and an arched entry into the kitchen. The kitchen features stainless steel appliances including an electric range and range hood, plenty of cabinets to the ceiling, granite countertops with a complementing backsplash, and a large double stainless sink. Onto the second floor offering a large primary bedroom, two sizable secondary bedrooms and a full bath. The lower level offers a blank slate for adding additional living space. This home is move-in ready with so much to offer new homeowners including new HVAC, new roof, upgraded electric panel, replacement windows, updated siding on back of house, and so much more. Imagine all this and in close proximity to shopping, restaurants, and commuter routes. ANY & ALL OFFERS CONSIDERED!!

20. 2025-05-14
    price $129,990 1053-char remark

    Show marketing remark (1053 chars)

    * * TENANT OCCUPIED * * INVESTOR SPECIAL! Newly remodeled 3BR/1BA Townhome located on a tree-lined street. Step inside to a bright and airy main floor offering luxury flooring throughout the large living room, spacious dining room, and brand new kitchen. The dining room features a custom wall of shelving, and an arched entry into the kitchen. The kitchen features stainless steel appliances including an electric range and range hood, plenty of cabinets to the ceiling, granite countertops with a complementing backsplash, and a large double stainless sink. Onto the second floor offering a large primary bedroom, two sizable secondary bedrooms and a full bath. The lower level offers a blank slate for adding additional living space. This home is move-in ready with so much to offer new homeowners including new HVAC, new roof, upgraded electric panel, replacement windows, updated siding on back of house, and so much more. Imagine all this and in close proximity to shopping, restaurants, and commuter routes. ANY & ALL OFFERS CONSIDERED!!

21. 2025-05-14
    listed $149,989 Active 1053-char remark

    Show marketing remark (1053 chars)

    * * TENANT OCCUPIED * * INVESTOR SPECIAL! Newly remodeled 3BR/1BA Townhome located on a tree-lined street. Step inside to a bright and airy main floor offering luxury flooring throughout the large living room, spacious dining room, and brand new kitchen. The dining room features a custom wall of shelving, and an arched entry into the kitchen. The kitchen features stainless steel appliances including an electric range and range hood, plenty of cabinets to the ceiling, granite countertops with a complementing backsplash, and a large double stainless sink. Onto the second floor offering a large primary bedroom, two sizable secondary bedrooms and a full bath. The lower level offers a blank slate for adding additional living space. This home is move-in ready with so much to offer new homeowners including new HVAC, new roof, upgraded electric panel, replacement windows, updated siding on back of house, and so much more. Imagine all this and in close proximity to shopping, restaurants, and commuter routes. ANY & ALL OFFERS CONSIDERED!!

22. 2025-05-14
    historical

    Show marketing remark (1053 chars)

    * * TENANT OCCUPIED * * INVESTOR SPECIAL! Newly remodeled 3BR/1BA Townhome located on a tree-lined street. Step inside to a bright and airy main floor offering luxury flooring throughout the large living room, spacious dining room, and brand new kitchen. The dining room features a custom wall of shelving, and an arched entry into the kitchen. The kitchen features stainless steel appliances including an electric range and range hood, plenty of cabinets to the ceiling, granite countertops with a complementing backsplash, and a large double stainless sink. Onto the second floor offering a large primary bedroom, two sizable secondary bedrooms and a full bath. The lower level offers a blank slate for adding additional living space. This home is move-in ready with so much to offer new homeowners including new HVAC, new roof, upgraded electric panel, replacement windows, updated siding on back of house, and so much more. Imagine all this and in close proximity to shopping, restaurants, and commuter routes. ANY & ALL OFFERS CONSIDERED!!

23. 2025-04-23
    price $149,989
24. 2025-04-09
    listed $149,990 Active
25. 2025-02-05
    historical $1,550
26. 2025-02-04
    historical
27. 2025-01-10
    listed $1,550
28. 2024-12-12
    listed $149,990 Active
29. 2024-09-23
    historical
30. 2024-08-16
    price $149,990
31. 2024-07-19
    listed $174,990 Active
32. 2024-06-28
    historical
33. 2024-05-28
    soldstatus $68,000
34. 2023-09-09
    soldstatus $68,000 Closed
35. 2023-09-02
    status Active
36. 2023-08-29
    status Pending
37. 2023-08-28
    status Active
38. 2023-08-23
    status Pending
39. 2023-08-22
    soldstatus $68,000 Closed
40. 2023-08-06
    status Pending
41. 2023-07-20
    status Active
42. 2023-07-20
    historical
43. 2023-07-20
    listed $70,000 Active
44. 2023-07-19
    historical $70,000
45. 2006-02-21
    historical
46. 2005-09-16
    listed
47. 1999-08-04
    soldstatus $44,500
48. 1998-03-15
    historical
49. 1997-07-07
    listed $45,000
50. 1996-12-31
    soldstatus $7

ⓘ 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: $1,080 · $90/mo
• Projected year-2 tax: $1,191 · $99/mo
• Expected delta: +$111/yr (+$9/mo · 10.3%)

ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.

Climate risk First Street

• 🌊 Flood 8/10 Severe FEMA zone X (unshaded) · 99% 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 4/10 Moderate 6 unhealthy d/yr today · 7 by 30 yrs out

Taxation est. · year 1

• Rental income: $19,254
• − Mortgage interest: −$6,694
• − Property taxes: −$1,080
• − Insurance: −$1,264
• − Repairs & maintenance: −$1,540
• − Management: −$1,540
• − Depreciation: −$3,476
• Taxable income: $3,659
• Est. tax owed @ 24.0%: −$878
• After-tax cash flow: $4,468/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): 30,792
• Household income: $38,409
• Rent vs Own: 70.0% rent · 30.0% own
• Severe rent burden: 2921.0

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 (81%)
• Race & ethnicity: Black 81% White 12% Two or more races 4% Hispanic / Latino 2% Asian 2%
• Common ancestry: Romanian 1% Hispanic 1% Italian 1%
• Foreign-born: 5% · Canada, China, South Korea
• Languages at home: 94% English-only · Spanish 2% French/Haitian/Cajun 1% Chinese 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: ▼ -187.20%
• Current HPI: 104.2102
• Rent YoY: ▲ 6.63%
• 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

+279.4% since first listed

39 events — show timeline

• 2026-03-09 Price Changed $119,500 BRIGHT MLS
• 2025-10-09 Sold (Public Records) $104,000 Public Records
• 2025-09-12 Listed $125,000 BRIGHT MLS
• 2025-09-08 Sold (MLS) $104,000 BRIGHT MLS
• 2025-08-05 Pending — BRIGHT MLS
• 2025-07-16 Price Changed $114,990 BRIGHT MLS
• 2025-05-14 Price Changed $129,990 BRIGHT MLS
• 2025-05-14 Listing Removed — BRIGHT MLS
• 2025-05-14 Listed $149,989 BRIGHT MLS
• 2025-04-23 Price Changed $149,989 BRIGHT MLS
• 2025-04-09 Listed $149,990 BRIGHT MLS
• 2025-02-05 Rental Removed $1,550 BRIGHTMLS
• 2025-02-04 Listing Removed — BRIGHT MLS
• 2025-01-10 Listed for Rent $1,550 BRIGHTMLS
• 2024-12-12 Listed $149,990 BRIGHT MLS
• 2024-09-23 Listing Removed — BRIGHT MLS
• 2024-08-16 Price Changed $149,990 BRIGHT MLS
• 2024-07-19 Listed $174,990 BRIGHT MLS
• 2024-06-28 Coming Soon — BRIGHT MLS
• 2024-05-28 Sold (Public Records) $68,000 Public Records
• 2023-09-09 Sold (MLS) $68,000 BRIGHT MLS
• 2023-09-02 Relisted — BRIGHT MLS
• 2023-08-29 Pending — BRIGHT MLS
• 2023-08-28 Relisted — BRIGHT MLS
• 2023-08-23 Pending — BRIGHT MLS
• 2023-08-22 Sold (MLS) $68,000 BRIGHT MLS
• 2023-08-06 Pending — BRIGHT MLS
• 2023-07-20 Relisted — BRIGHT MLS
• 2023-07-20 Listing Removed — BRIGHT MLS
• 2023-07-20 Listed $70,000 BRIGHT MLS
• 2023-07-19 Coming Soon $70,000 BRIGHT MLS
• 2006-02-21 Delisted — MRIS
• 2005-09-16 Listed — MRIS
• 1999-08-04 Sold (MLS) $44,500 MRIS
• 1998-03-15 Delisted — MRIS
• 1997-07-07 Listed $45,000 MRIS
• 1996-12-31 Sold (Public Records) $7 Public Records
• 1995-07-11 Sold (Public Records) $18,000 Public Records
• 1990-06-14 Sold (Public Records) $31,500 Public Records

Property tax history

+1.3%/yr

Latest (2025): $1,080 · +346.9% YoY. Source: county tax records.