19 Seward Ave · Brooklyn Park, MD 21225

$225,000

4 bd · 1.0 ba · 1,400 sqft · SingleFamily public records · 10 Days on market

Built 1955 6,250 sqft lot $161/sqft · 30% below area Est $321k · 30% under ↓ 6% since listing

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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 +15.8/30.0
• ARV discount +15.0/15.0
• DSCR +4.9/10.0
• 1% rule +3.9/10.0
• Livability +3.9/5.0
• Rent growth +3.5/5.0
• Schools +2.9/10.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks

This 4 Bedroom Cape Cod is full of opportunity and ready for its next chapter. Featuring a spacious layout with a dining room and family room addition, a finished basement, and a rear yard. This home offers plenty of space both inside and out and has incredible potential. Updated homes in the area have recently sold for $350K+, making this a fantastic opportunity for an Owner Occupant or Investor alike. This home is sold strictly as-is. Will more than likely need a cash or renovation loan.

Key facts

• Rear yard
• Family room addition
• Finished basement

Tags

• DINING ROOM
• FAMILY ROOM ADDITION
• FINISHED BASEMENT
• REAR YARD

Property features AI

Finance

• Other: Ownership is fee simple

Exterior

• Parking: On-street parking
• Utilities: Public water; Public sewer; Natural gas service
• Home design: Detached single-family design; Above-grade finished living area reported by assessor; Below-grade unfinished area present
• Construction: Brick and vinyl siding exterior; Other foundation; Above-grade finished area approx. 1,400 (assessor); Below-grade unfinished area approx. 720 (assessor)
• Exterior features: Detached structure; Other outbuildings above and below grade; No tidal water on the lot

Interior

• Kitchen: Kitchen with table space
• Bedrooms: Two bedrooms on the main level; Two bedrooms on the upper level
• Bathrooms: One full bathroom on the main level; One full bathroom total
• Heating & cooling: Baseboard hot water heating; 90% efficient forced air heating; Ceiling fans for cooling; Natural gas fuel for heating, cooling, and hot water
• Interior features: Tub with shower; Dining area; Kitchen with table space; Basement (other/unfinished); Recreation room; Foyer; Sun/Florida room
• Laundry & utility: Laundry room; Utility room

What this means for you Summary

Snapshot

• This is a 4-bed/1.0-bath single-family listed at $225k.

Deal economics

• At list price, monthly cash flow is $105 ($1k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $200k (11.0% below list).
• Recommended offer: $200k (11.0% below list) — sets the bar for 1% rule.
• Cap rate 6.9% vs local median 4.4% in Brooklyn Park — 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 77/100 on livability (#81 in MD, #3,091 nationally) — a middle-class / working-renter tenant base. Strengths: commute A+, housing A+, health & safety A+; Watch: schools C-, crime F, amenities F.
• Anne Arundel County Public Schools (suburban): math 20% / reading 37% proficiency, ranked #10 of 24 in MD (top 42%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover.
• Market conditions: Rents rising fast (+4.1%/yr); 165 active listings in the ZIP; 27 comparable units currently listed for rent nearby; rentals at typical pace (median 24d on market — plan ~3-4 weeks tenant-placement turnaround); 1,303 units permitted in Anne Arundel County in 2024 (299 in 5+ unit buildings).
• This rent runs 44% of the median local income ($54k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $2k of loan paydown is wiped out by about $7k of value loss. Plan a longer hold.
• Anne Arundel County population projected at +17% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.

Negotiation context

• Only 10 days on market — expect competitive offers; lowballing is unlikely to land.

Risks & watch-outs

• Watch-outs: built in 1955 — 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 $200,317 (11.0% below list)

Questions for the listing agent

1. Built in 1955 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
2. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
3. 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?
4. 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.
5. 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.
6. 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: 6.85%
• Cash-on-cash: 1.99%
• DSCR: 1.09
• GRM: 9.4

CMA / ARV

• ARV (median comp): $321,126
• List price: $225,000
• Delta: -29.93%
• 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
19 Seward Ave	0.00mi	4/1.0	1,400 (0%)	1mo	$212,100	$152	100
5210 Ballman Ave	0.38mi	3/2.0 (-1)	1,338 (-4%)	0mo	$275,000	$206	66
5701 Magie St	0.28mi	5/3.0 (+1)	1,468 (+5%)	4mo	$389,000	$265	63
103 9th Ave	0.50mi	5/2.0 (+1)	1,360 (-3%)	0mo	$235,000	$173	63
5809 Park Rd	0.40mi	4/2.0	1,280 (-9%)	1mo	$389,900	$305	63
5600 Patrick Henry Dr	0.56mi	3/1.0 (-1)	1,332 (-5%)	1mo	$299,900	$225	60
5614 Cliff Side Ct	0.60mi	3/2.0 (-1)	1,364 (-3%)	0mo	$370,000	$271	58
10 Cedar Hill Rd	0.51mi	3/1.0 (-1)	1,296 (-7%)	2mo	$299,900	$231	57
5719 Redmond St	0.44mi	4/2.0	1,545 (+10%)	4mo	$380,000	$246	55
5600 Ballman	0.37mi	3/2.0 (-1)	1,212 (-13%)	2mo	$256,000	$211	50
5430 Wasena Ave	0.60mi	4/3.0	1,224 (-13%)	2mo	$400,000	$327	41
306 Doris Ave	0.64mi	3/2.0 (-1)	1,209 (-14%)	4mo	$325,000	$269	36

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 · 4.08% rent growth · sell at horizon

5-year hold

• IRR: -12.0%
• Equity multiple: 0.56×
• Total profit: $-27,614
• Equity at exit: $33,548

10-year hold

• IRR: -1.4%
• Equity multiple: 0.90×
• Total profit: $-6,307
• Equity at exit: $19,454

Cash invested: $63,000 (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 21225

• Home prices YoY: -31.9%
• Rents YoY: 4.1%
• Active inventory: 165
• Price-to-rent: 9.4×

Monthly cashflow live

• Estimated rent: $2,003 high
• Mortgage (P&I): −$1,180
• Tax from tax record: −$204 /mo · $2,451/yr
• Insurance: −$94
• HOA: −$0
• Vacancy / Maint / Mgmt: −$421
• Net cashflow: $105

Break-even live

Break-even rent $1,871

Max offer price $225,000

Occupancy floor 90%

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: $56,250
• Closing costs: $6,750
• Reserves months: —
• Total cash needed: —

Rent comps 27 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
5215 Wasena Ave Brooklyn, MD	3.0	1.0	1030	$1,650	$1.60	44d	1	0.60mi
140 Bethlehem Pl Brooklyn, MD	3.0	3.5	1120	$1,500	$1.34	44d	1	0.71mi
4206 Audrey Ave Brooklyn, MD	3.0	3.0	1104	$1,950	$1.77	24d	1	0.82mi
303 Arden Rd W Brooklyn, MD	3.0	2.0	1388	$2,500	$1.80	18d	1	1.01mi
732 Old Riverside Rd Brooklyn, MD	3.0	2.5	1570	$1,900	$1.21	44d	1	1.01mi
3822 6th St Brooklyn, MD	3.0	3.0	1580	$1,850	$1.17	24d	1	1.10mi
3840 8th St Brooklyn, MD	3.0	1.5	1088	$1,606	$1.48	4d	1	1.10mi
507 Washburn Ave Brooklyn, MD	3.0	1.5	1024	$2,500	$2.44	24d	1	1.14mi
507 Washburn Ave Brooklyn, MD	3.0	1.5	1024	$2,500	$2.44	4d	1	1.14mi
507 Washburn Ave Brooklyn, MD	3.0	1.5	1024	$2,500	$2.44	20d	1	1.14mi
202 W Edgevale Rd Unit A Baltimore, MD	3.0	1.0	1824	$1,650	$0.90	5d	1	1.14mi
217 W Edgevale Rd Brooklyn, MD	3.0	1.5	992	$1,800	$1.81	24d	1	1.14mi
3828 10th St Brooklyn, MD	3.0	2.0	1215	$2,350	$1.93	44d	1	1.17mi
3826 10th St Unit Entire House Baltimore, MD	3.0	2.0	1110	$2,400	$2.16	24d	1	1.18mi
4216 Prudence St Curtis Bay, MD	4.0	3.0	1116	$2,100	$1.88	44d	1	1.22mi
116-B Warwickshire Ln Glen Burnie, MD	1.0–3.0	1.0–1.5	800	$1,650	$2.06	2d	43	1.23mi
6449 Union Ct Glen Burnie, MD	3.0	1.5	1152	$2,200	$1.91	44d	1	1.34mi
6456 Washington Sq Glen Burnie, MD	3.0	1.5	1216	$1,799	$1.48	22d	1	1.38mi
3544 4th St Brooklyn, MD	4.0	2.5	1800	$1,940	$1.08	24d	1	1.39mi
6401 Jefferson Pl Glen Burnie, MD	3.0	1.5	1216	$1,895	$1.56	3d	1	1.42mi
6319 Harris Heights Ave Glen Burnie, MD	3.0	1.5	1280	$2,200	$1.72	24d	1	1.43mi
1353 Cambria St Brooklyn, MD	3.0	2.0	986	$1,600	$1.62	18d	1	1.43mi
3513 Horton Ave Brooklyn, MD	3.0	1.0	1020	$1,600	$1.57	18d	1	1.44mi
1305 E Patapsco Ave Brooklyn, MD	3.0	1.5	930	$1,650	$1.77	4d	1	1.44mi
1517 Sycamore St Curtis Bay, MD	3.0	1.5	1210	$1,999	$1.65	24d	1	1.44mi
6603 Polynesian Ln Glen Burnie, MD	4.0	2.5	1676	$2,819	$1.68	3d	1	1.46mi
101 S Charter Rd Glen Burnie, MD	1.0–3.0	1.0–2.0	823	$1,870	$2.27	44d	1	1.48mi

Listing history 1 events

1. 2026-05-09
   listed $225,000 Active 494-char remark

ⓘ 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: $2,451 · $204/mo
• Projected year-2 tax: $2,452 · $204/mo
• Expected delta: +$1/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 8/10 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 5 unhealthy d/yr today · 7 by 30 yrs out

Taxation est. · year 1

• Rental income: $24,038
• − Mortgage interest: −$12,603
• − Property taxes: −$2,451
• − Insurance: −$1,125
• − Repairs & maintenance: −$1,923
• − Management: −$1,923
• − Depreciation: −$6,545
• Taxable loss: −$2,533
• Est. tax savings @ 24.0%: +$608
• After-tax cash flow: $1,863/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: Anne Arundel County Public Schools
• NCES district ID: 2400060
• Math proficiency: 20% ▼ -21.00%
• Reading proficiency: 37% ▼ -13.00%
• Median HH income: $87,880
• Composite: 28.52/100
• National rank: #6733
• State rank: #10 of 24 in MD

Livability — Brooklyn Park

• Score: 77/100
• State rank: #81
• US rank: #3091

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Brooklyn Park, MD
• County: Anne Arundel County · 535,653 people
• City population: 34,062
• Metro: Baltimore-Columbia-Towson, MD
• Population (ZIP): 34,062
• Household income: $54,020
• Rent vs Own: 50.4% rent · 49.6% own
• Severe rent burden: 1440.0

Population outlook (Anne Arundel County) Hauer SSP2

• Today (2025): 617,384 people
• By 2030: 642,094 · +4.0%
• By 2040: 686,621 · +11.2%
• By 2050: 723,031 · +17.1%
• By 2075: 809,346 · +31.1%
• By 2100: 837,658 · +35.7%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Diverse neighborhood (Simpson 0.68)
• Race & ethnicity: Black 42% White 32% Hispanic / Latino 20% Two or more races 8% Native American 3% Asian 2%
• Hispanic origin (detail): Mexican 5% Puerto Rican 1%
• Common ancestry: Romanian 2% Lithuanian 1% Iranian 1%
• Foreign-born: 12% · Canada, China
• Languages at home: 81% English-only · Spanish 16% Other Indo-European 1% French/Haitian/Cajun 1%

Political lean MEDSL · Anne Arundel

• 2024 margin: D (+13.9) · D 55.7% · R 41.7% · Other 2.6%
• 2008→2024 swing: +15.7pp toward D · 2008: -1.8pp · 2024: 13.9pp
• All cycles: 2024: D+13.9 2020: D+14.5 2016: D+0.7 2012: R+0.9 2008: R+1.8

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -119.44%
• Current HPI: 254.5089
• Rent YoY: ▲ 4.08%
• 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

-5.7% since first listed

3 events — show timeline

• 2026-06-03 Sold (MLS) $212,100 BRIGHT MLS
• 2026-05-19 Pending — BRIGHT MLS
• 2026-05-09 Listed $225,000 BRIGHT MLS

Property tax history

+4.0%/yr

Latest (2025): $2,451 · +2.3% YoY. Source: county tax records.