4 Sunnyside Dr · Lonaconing, MD 21539

$99,900

3 bd · 1.0 ba · 1,408 sqft · SingleFamily public records · 9 Days on market

Built 1920 0.75 ac lot Est $144k · 30% under

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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 +27.3/30.0
• ARV discount +15.0/15.0
• DSCR +9.5/10.0
• 1% rule +7.2/10.0
• Appreciation +4.1/10.0
• Livability +3.2/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Schools +1.9/10.0

Listing remarks

Classic Character Meets Endless Possibilities! Welcome home to this charming 3-bedroom, 1-bath classic two-story that perfectly blends timeless architecture with everyday comfort. From the moment you arrive, you'll be captivated by the inviting covered front porches, picturesque second-story balcony, and peaceful setting that feels like a private retreat. Inside, you'll find oversized rooms filled with character, convenient main-level laundry, and efficient natural gas radiant heat complemented by a secondary electric heating system. The walk-up attic and full basement provide incredible storage and unlimited potential for additional living space, hobbies, or a dream workshop. Major updates

Key facts

• Second-story balcony
• Full basement
• Main-level laundry

Tags

• COVERED FRONT PORCHES
• SECOND-STORY BALCONY
• MAIN-LEVEL LAUNDRY
• NATURAL GAS RADIANT HEAT
• WALK-UP ATTIC
• FULL BASEMENT

Property features AI

Exterior

• Parking: Driveway; Driveway provides 2 parking spaces; Total of 2 garage/parking spaces
• Utilities: Public water; Public sewer
• Home design: Detached structure; Year built recorded by assessor
• Construction: Vinyl siding; Stone foundation; Architectural shingle roof
• Exterior features: Balcony; Porch(es)

Interior

• Bedrooms: Three bedrooms on the upper level
• Bathrooms: One full bathroom on the main level
• Heating & cooling: Radiator heat; Natural gas heating fuel; Electric hot water
• Interior features: Full basement

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $100k.

Deal economics

• At list price, monthly cash flow is $289 ($3k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $100k).

Location & tenants

• Location reads 64/100 on livability (#287 in MD) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A, crime B; Watch: schools D+, amenities F, commute 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.
• Market conditions: 10 active listings in the ZIP; 24 units permitted in Allegany County in 2024 (0 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-1.9%/yr); year-one equity from $691 of loan paydown is wiped out by about $2k of value loss. Plan a longer hold.
• Allegany County population projected at -14% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.
• At projected returns (-1.9% appreciation + 3.0% rent growth), your $28k cash investment doubles in ~8 years — after that, you're playing with house money.

Negotiation context

• Only 9 days on market — expect competitive offers; lowballing is unlikely to land.

Risks & watch-outs

• Watch-outs: built in 1920 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $99,900

Questions for the listing agent

1. Built in 1920 — 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. 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?
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: 1.22% ✓
• Cap rate: 9.76%
• Cash-on-cash: 12.39%
• DSCR: 1.55
• GRM: 6.8

CMA / ARV

• ARV (on-the-fly): $143,616
• Comps found: 5

Show comp detail 5 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
61 1/2 E Main St	0.13mi	3/2.0	1,464 (+4%)	10mo	$164,000	$112	75
21108 Willow Tree Ln SW	0.47mi	3/1.5	1,470 (+4%)	1mo	$205,000	$139	68
43 Church St	0.22mi	3/1.5	1,576 (+12%)	4mo	$130,000	$82	65
23 Church St	0.23mi	3/2.0	1,384 (-2%)	21mo	$105,000	$76	65
36 Douglas Ave	0.13mi	3/1.0	1,548 (+10%)	15mo	$157,500	$102	64

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

Projected returns pro-forma

-1.85% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 6.0%
• Equity multiple: 1.25×
• Total profit: $7,114
• Equity at exit: $20,101

10-year hold

• IRR: 13.6%
• Equity multiple: 2.23×
• Total profit: $34,319
• Equity at exit: $17,849

Cash invested: $27,972 (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 21539

• Home prices YoY: -1.0%
• Active inventory: 10
• Price-to-rent: 6.8×

Monthly cashflow live

• Estimated rent: $1,218 medium
• Mortgage (P&I): −$524
• Tax from tax record: −$108 /mo · $1,291/yr
• Insurance: −$42
• HOA: −$0
• Vacancy / Maint / Mgmt: −$256
• Net cashflow: $289

Break-even live

Break-even rent $852

Max offer price $99,900

Occupancy floor 71%

Sensitivity live

Price	-10% $345	-5% $317	+0% $289	+5% $261	+10% $232
Rent	-10% $193	-5% $241	+0% $289	+5% $337	+10% $385
Rate	-1.0pp $339	-0.5pp $314	base $289	+0.5pp $263	+1.0pp $237

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: $24,975
• Closing costs: $2,997
• Reserves months: —
• Total cash needed: —

Listing history 8 events

1. 2026-06-21
   days on market $99,900 Active 9 DOM
2. 2026-06-19
   days on market $99,900 Active 7 DOM
3. 2026-06-18
   days on market $99,900 Active 6 DOM
4. 2026-06-17
   days on market $99,900 Active 5 DOM
5. 2026-06-16
   days on market $99,900 Active 4 DOM
6. 2026-06-15
   days on market $99,900 Active 3 DOM
7. 2026-06-12
   remarks 699-char remark
8. 2026-06-12
   listed $99,900 Active 1 DOM

ⓘ 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: $1,291 · $108/mo
• Projected year-2 tax: $1,291 · $108/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 2/10 Low
• 🌡 Heat 3/10 Moderate 8 d/yr ≥91°F today · 20 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: $14,612
• − Mortgage interest: −$5,596
• − Property taxes: −$1,291
• − Insurance: −$500
• − Repairs & maintenance: −$1,169
• − Management: −$1,169
• − Depreciation: −$2,906
• Taxable income: $1,982
• Est. tax owed @ 24.0%: −$476
• After-tax cash flow: $2,991/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 — Lonaconing

• Score: 64/100
• State rank: #287
• US rank: #14826

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Lonaconing, MD
• Population (ZIP): 1,846

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 (94%)
• Race & ethnicity: White 94% Two or more races 3% Hispanic / Latino 3% Asian 1%
• Common ancestry: Slovak 6% Romanian 3% Greek 1%
• Foreign-born: 2% · South Korea, China
• Languages at home: 97% English-only · Arabic 1% Korean 1% Chinese 1%

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: ▼ -1.85%
• Current HPI: 188.3299
• 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

1 event — show timeline

• 2026-06-12 Listed $99,900 BRIGHT MLS

Property tax history

+0.3%/yr

Latest (2025): $1,291 · +0.7% YoY. Source: county tax records.