602 Denison St · Baltimore, MD 21229

$215,000

3 bd · 2.5 ba · 1,677 sqft · Townhouse · 182 Days on market

Built 1921 1,610 sqft lot $128/sqft · 133% above area

---

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 +20.6/30.0
• ARV discount +7.5/15.0
• DSCR +6.5/10.0
• 1% rule +4.1/10.0
• Rent growth +3.8/5.0
• Livability +3.8/5.0
• Condition / age +2.5/5.0
• Schools +1.0/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

COMPLETELY REMODELED HOME - PRICED TO SELL! Welcome to 602 Denison St, a beautifully renovated 3-bedroom, 2-full-bath and 1-half bath Baltimore rowhome offering modern upgrades and timeless charm. This home features a brand-new kitchen with stainless steel appliances, quartz countertops, contemporary cabinetry, and sleek finishes. Enjoy durable LVP flooring throughout the main and upper levels, along with newly installed plumbing, electrical, and HVAC system for long-term peace of mind. The main level provides a bright, open layout that flows seamlessly to the fenced backyard perfect for outdoor living. On the top level, you’ll find 2 generous size bedrooms as well as an additional spare room ideal for a home office, study space, or flex room, adding valuable versatility to the floor plan. A covered front porch adds inviting curb appeal, while the renovated basement offers 1 -bedroom with 1- full bath and a kitchenette along with its own independent entrance. Perfect for an in-law suite or additional income. Some photos have been virtually staged to help showcase the home’s charm. This home is a must see!!!

Key facts

• Brand-new kitchen
• Durable lvp flooring
• Fenced backyard

Tags

• RENOVATED BALTIMORE ROWHOME
• BRAND-NEW KITCHEN
• STAINLESS STEEL APPLIANCES
• DURABLE LVP FLOORING
• NEWLY INSTALLED HVAC SYSTEM
• FENCED BACKYARD

What this means for you Summary

Snapshot

• This is a 3-bed/2.5-bath townhouse listed at $215k.

Deal economics

• At list price, monthly cash flow is $286 ($3k/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 $197k (8.6% below list).
• Recommended offer: $189k (12.0% below list) — sets the bar for market timing.
• Cap rate 7.9% 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 (+5.4%/yr); 256 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals at typical pace (median 25d on market — plan ~3-4 weeks tenant-placement turnaround); 45% of comp listings sitting > 30 days — soft ceiling on asking rent; 1,273 units permitted in Baltimore city in 2024 (1,104 in 5+ unit buildings).
• This rent runs 39% of the median local income ($60k/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 $1k of loan paydown is wiped out by about $6k 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.

Negotiation context

• It's been on market 182 days — a 12% lower offer ($189k) is reasonable based on typical stale-listing flexibility.
• 2 sale attempts; this cycle's ask has dropped $35k (14%) from the opening price — seller is motivated, your offer sets the floor, not the list.
• Current owner paid $99k; list at $215k implies a 117% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: built in 1921 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: major wind risk, 27% chance of damaging wind over 30y; extreme-heat days projected 7→16/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $189,200 (12.0% below list)

Questions for the listing agent

1. It's been on market 182 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 1921 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
4. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
5. 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?
6. 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?
7. 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?
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: 0.91% ✗
• Cap rate: 7.89%
• Cash-on-cash: 5.69%
• DSCR: 1.25
• GRM: 9.1

CMA / ARV

• ARV (median comp): $92,277
• List price: $215,000
• Delta: 132.99%
• Verdict: OVERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
743 Linnard St	0.12mi	4/2.0 (+1)	1,693 (+1%)	1mo	$199,000	$118	85
120 Allendale St	0.38mi	3/2.0	1,728 (+3%)	2mo	$225,000	$130	74
517 N Edgewood St	0.10mi	4/2.5 (+1)	1,430 (-15%)	2mo	$90,000	$63	64
733 Lyndhurst St	0.37mi	3/1.5	1,550 (-8%)	2mo	$85,000	$55	64
3118 Normount Ave	0.61mi	3/2.0	1,725 (+3%)	1mo	$174,990	$101	64
12 N Rosedale St	0.64mi	3/1.5	1,740 (+4%)	1mo	$160,000	$92	60
3716 Edmondson Ave	0.25mi	4/1.0 (+1)	1,512 (-10%)	2mo	$130,000	$86	59
509 Normandy Ave	0.38mi	4/2.5 (+1)	1,458 (-13%)	1mo	$212,000	$145	54
2738 W Mosher St	0.71mi	3/1.0	1,765 (+5%)	1mo	$37,000	$21	52
1226 N Augusta Ave	0.72mi	3/2.0	1,536 (-8%)	0mo	$212,000	$138	50
2927 Ellicott Dr	0.65mi	4/3.5 (+1)	1,540 (-8%)	2mo	$230,000	$149	45
3304 Brighton St	0.74mi	3/1.5	1,908 (+14%)	2mo	$155,000	$81	37

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 · 5.38% rent growth · sell at horizon

5-year hold

• IRR: -5.2%
• Equity multiple: 0.80×
• Total profit: $-11,940
• Equity at exit: $32,057

10-year hold

• IRR: 6.8%
• Equity multiple: 1.55×
• Total profit: $33,356
• Equity at exit: $18,589

Cash invested: $60,200 (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 21229

• Rents YoY: 5.4%
• Active inventory: 256
• Price-to-rent: 9.1×

Monthly cashflow live

• Estimated rent: $1,966 high
• Mortgage (P&I): −$1,127
• Tax from tax record: −$50 /mo · $603/yr
• Insurance: −$90
• HOA: −$0
• Vacancy / Maint / Mgmt: −$413
• Net cashflow: $286

Break-even live

Break-even rent $1,604

Max offer price $215,000

Occupancy floor 80%

Sensitivity live

Price	-10% $407	-5% $346	+0% $286	+5% $225	+10% $164
Rent	-10% $130	-5% $208	+0% $286	+5% $363	+10% $441
Rate	-1.0pp $394	-0.5pp $340	base $286	+0.5pp $230	+1.0pp $173

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: $53,750
• Closing costs: $6,450
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
3423 Edmondson Ave Baltimore, MD	2.0	1.5	1400	$1,710	$1.22	44d	1	0.08mi
730 Linnard St Unit 1 Baltimore, MD	4.0	1.0	1360	$1,750	$1.29	25d	1	0.09mi
3507 Edmondson Ave Baltimore, MD	4.0	2.0	1428	$2,300	$1.61	44d	1	0.10mi
623 N Grantley St Baltimore, MD	4.0	2.0	1250	$2,000	$1.60	25d	1	0.11mi
780 Linnard St Baltimore, MD	3.0	2.0	1224	$1,590	$1.30	44d	1	0.14mi
787 N Grantley St Baltimore, MD	3.0	1.0	1116	$1,575	$1.41	25d	1	0.15mi
3619 Edmondson Ave Baltimore, MD	4.0	3.5	1962	$2,800	$1.43	44d	1	0.17mi
798 N Grantley St Baltimore, MD	3.0	2.0	1360	$2,295	$1.69	25d	1	0.18mi
405 N Edgewood St Baltimore, MD	4.0	2.0	1408	$2,950	$2.10	5d	1	0.20mi
3712 Gelston Dr Baltimore, MD	3.0	2.0	1250	$2,500	$2.00	25d	1	0.24mi
3700 Woodridge Rd Baltimore, MD	3.0	1.5	1955	$1,950	$1.00	44d	1	0.27mi
202 N Edgewood St Baltimore, MD	3.0	2.0	1710	$2,250	$1.32	25d	1	0.32mi
3607 W Lexington St Baltimore, MD	3.0	2.0	1050	$1,895	$1.80	5d	1	0.35mi
3706 W Saratoga St Unit 1 Baltimore, MD	2.0	1.0	1540	$1,350	$0.88	44d	1	0.35mi
409 Normandy Ave Baltimore, MD	4.0	1.0	1640	$1,500	$0.91	25d	1	0.39mi
3015 Rayner Ave Baltimore, MD	3.0	1.0	1152	$1,350	$1.17	44d	1	0.42mi
4020 Gelston Dr Baltimore, MD	3.0	2.0	1270	$1,875	$1.48	44d	1	0.44mi
3238 Westmont Ave Baltimore, MD	3.0	1.0	1280	$1,600	$1.25	44d	1	0.47mi
41 N Kossuth St Baltimore, MD	3.0	2.0	1216	$1,800	$1.48	25d	1	0.48mi
2922 Edmondson Ave Baltimore, MD	3.0	2.0	1620	$1,900	$1.17	44d	1	0.50mi
3935 Stokes Dr #1 Baltimore, MD	2.0	1.0	1150	$1,400	$1.22	44d	1	0.60mi
3336 W Caton Ave Baltimore, MD	3.0	2.0	1236	$1,625	$1.31	25d	1	0.62mi
4113 Mountwood Rd Baltimore, MD	3.0	1.0	1520	$1,795	$1.18	44d	1	0.65mi
3309 Brighton St Baltimore, MD	3.0	1.0	1134	$1,700	$1.50	44d	1	0.69mi
2806 Riggs Ave Baltimore, MD	3.0	2.5	1412	$1,900	$1.35	4d	1	0.71mi
2744 W Mosher St Baltimore, MD	4.0	2.0	1412	$2,100	$1.49	25d	1	0.72mi
1513 N Ellamont St Baltimore, MD	3.0	1.0	1700	$1,700	$1.00	25d	1	0.72mi
917 Kevin Rd Baltimore, MD	3.0	2.0	1151	$1,795	$1.56	3d	1	0.74mi
3003 Presstman St Unit 1 Baltimore, MD	2.0	2.0	1450	$1,400	$0.97	45d	1	0.75mi
3003 Presstman St Unit 2 Baltimore, MD	2.0	1.0	1450	$1,300	$0.90	25d	1	0.75mi
1530 N Rosedale St Baltimore, MD	3.0	2.0	1641	$1,895	$1.15	16d	1	0.78mi
1402 Poplar Grove St Baltimore, MD	4.0	1.5	1540	$800	$0.52	44d	1	0.78mi
2636 Lauretta Ave Baltimore, MD	3.0	2.5	1232	$1,900	$1.54	44d	1	0.79mi
2728 Winchester St Baltimore, MD	3.0	1.5	1260	$1,800	$1.43	4d	1	0.81mi
2609 Lauretta Ave Baltimore, MD	3.0	1.0	1286	$1,675	$1.30	25d	1	0.82mi
1633 N Hilton St Baltimore, MD	4.0	2.5	1920	$2,600	$1.35	19d	1	0.83mi
117 Collins Ave Baltimore, MD	3.0	3.0	1617	$2,350	$1.45	44d	1	0.84mi
4018 Massachusetts Ave Baltimore, MD	3.0	1.0	1050	$1,400	$1.33	25d	1	0.90mi
2800 Presstman St Baltimore, MD	3.0	2.5	1460	$1,799	$1.23	25d	1	0.90mi
212 S Loudon Ave Baltimore, MD	3.0	1.5	1310	$1,550	$1.18	44d	1	0.91mi

Listing history 24 events

1. 2026-06-21
   days on market $215,000 Active 182 DOM
2. 2026-06-18
   days on market $215,000 Active 179 DOM
3. 2026-06-17
   days on market $215,000 Active 178 DOM
4. 2026-06-16
   days on market $215,000 Active 177 DOM
5. 2026-06-15
   days on market $215,000 Active 176 DOM
6. 2026-06-13
   days on market $215,000 Active 174 DOM
7. 2026-06-09
   days on market $215,000 Active 170 DOM
8. 2026-06-08
   days on market $215,000 Active 169 DOM
9. 2026-06-07
   days on market $215,000 Active 168 DOM
10. 2026-06-04
    days on market $215,000 Active 165 DOM
11. 2026-06-03
    days on market $215,000 Active 164 DOM
12. 2026-06-02
    days on market $215,000 Active 163 DOM
13. 2026-06-01
    days on market $215,000 Active 162 DOM
14. 2026-05-31
    days on market $215,000 Active 161 DOM
15. 2026-05-15
    price $215,000 1136-char remark

    Show marketing remark (1136 chars)

    COMPLETELY REMODELED HOME - PRICED TO SELL! Welcome to 602 Denison St, a beautifully renovated 3-bedroom, 2-full-bath and 1-half bath Baltimore rowhome offering modern upgrades and timeless charm. This home features a brand-new kitchen with stainless steel appliances, quartz countertops, contemporary cabinetry, and sleek finishes. Enjoy durable LVP flooring throughout the main and upper levels, along with newly installed plumbing, electrical, and HVAC system for long-term peace of mind. The main level provides a bright, open layout that flows seamlessly to the fenced backyard perfect for outdoor living. On the top level, you’ll find 2 generous size bedrooms as well as an additional spare room ideal for a home office, study space, or flex room, adding valuable versatility to the floor plan. A covered front porch adds inviting curb appeal, while the renovated basement offers 1 -bedroom with 1- full bath and a kitchenette along with its own independent entrance. Perfect for an in-law suite or additional income. Some photos have been virtually staged to help showcase the home’s charm. This home is a must see!!!

16. 2026-04-30
    price $225,000 1136-char remark

    Show marketing remark (1136 chars)

    COMPLETELY REMODELED HOME - PRICED TO SELL! Welcome to 602 Denison St, a beautifully renovated 3-bedroom, 2-full-bath and 1-half bath Baltimore rowhome offering modern upgrades and timeless charm. This home features a brand-new kitchen with stainless steel appliances, quartz countertops, contemporary cabinetry, and sleek finishes. Enjoy durable LVP flooring throughout the main and upper levels, along with newly installed plumbing, electrical, and HVAC system for long-term peace of mind. The main level provides a bright, open layout that flows seamlessly to the fenced backyard perfect for outdoor living. On the top level, you’ll find 2 generous size bedrooms as well as an additional spare room ideal for a home office, study space, or flex room, adding valuable versatility to the floor plan. A covered front porch adds inviting curb appeal, while the renovated basement offers 1 -bedroom with 1- full bath and a kitchenette along with its own independent entrance. Perfect for an in-law suite or additional income. Some photos have been virtually staged to help showcase the home’s charm. This home is a must see!!!

17. 2026-04-16
    price $235,000 1136-char remark

    Show marketing remark (1136 chars)

    COMPLETELY REMODELED HOME - PRICED TO SELL! Welcome to 602 Denison St, a beautifully renovated 3-bedroom, 2-full-bath and 1-half bath Baltimore rowhome offering modern upgrades and timeless charm. This home features a brand-new kitchen with stainless steel appliances, quartz countertops, contemporary cabinetry, and sleek finishes. Enjoy durable LVP flooring throughout the main and upper levels, along with newly installed plumbing, electrical, and HVAC system for long-term peace of mind. The main level provides a bright, open layout that flows seamlessly to the fenced backyard perfect for outdoor living. On the top level, you’ll find 2 generous size bedrooms as well as an additional spare room ideal for a home office, study space, or flex room, adding valuable versatility to the floor plan. A covered front porch adds inviting curb appeal, while the renovated basement offers 1 -bedroom with 1- full bath and a kitchenette along with its own independent entrance. Perfect for an in-law suite or additional income. Some photos have been virtually staged to help showcase the home’s charm. This home is a must see!!!

18. 2026-04-03
    price $240,000 1136-char remark

    Show marketing remark (1136 chars)

    COMPLETELY REMODELED HOME - PRICED TO SELL! Welcome to 602 Denison St, a beautifully renovated 3-bedroom, 2-full-bath and 1-half bath Baltimore rowhome offering modern upgrades and timeless charm. This home features a brand-new kitchen with stainless steel appliances, quartz countertops, contemporary cabinetry, and sleek finishes. Enjoy durable LVP flooring throughout the main and upper levels, along with newly installed plumbing, electrical, and HVAC system for long-term peace of mind. The main level provides a bright, open layout that flows seamlessly to the fenced backyard perfect for outdoor living. On the top level, you’ll find 2 generous size bedrooms as well as an additional spare room ideal for a home office, study space, or flex room, adding valuable versatility to the floor plan. A covered front porch adds inviting curb appeal, while the renovated basement offers 1 -bedroom with 1- full bath and a kitchenette along with its own independent entrance. Perfect for an in-law suite or additional income. Some photos have been virtually staged to help showcase the home’s charm. This home is a must see!!!

19. 2026-03-25
    status Active 1136-char remark

    Show marketing remark (1136 chars)

    COMPLETELY REMODELED HOME - PRICED TO SELL! Welcome to 602 Denison St, a beautifully renovated 3-bedroom, 2-full-bath and 1-half bath Baltimore rowhome offering modern upgrades and timeless charm. This home features a brand-new kitchen with stainless steel appliances, quartz countertops, contemporary cabinetry, and sleek finishes. Enjoy durable LVP flooring throughout the main and upper levels, along with newly installed plumbing, electrical, and HVAC system for long-term peace of mind. The main level provides a bright, open layout that flows seamlessly to the fenced backyard perfect for outdoor living. On the top level, you’ll find 2 generous size bedrooms as well as an additional spare room ideal for a home office, study space, or flex room, adding valuable versatility to the floor plan. A covered front porch adds inviting curb appeal, while the renovated basement offers 1 -bedroom with 1- full bath and a kitchenette along with its own independent entrance. Perfect for an in-law suite or additional income. Some photos have been virtually staged to help showcase the home’s charm. This home is a must see!!!

20. 2026-02-16
    historical 1136-char remark

    Show marketing remark (1136 chars)

    COMPLETELY REMODELED HOME - PRICED TO SELL! Welcome to 602 Denison St, a beautifully renovated 3-bedroom, 2-full-bath and 1-half bath Baltimore rowhome offering modern upgrades and timeless charm. This home features a brand-new kitchen with stainless steel appliances, quartz countertops, contemporary cabinetry, and sleek finishes. Enjoy durable LVP flooring throughout the main and upper levels, along with newly installed plumbing, electrical, and HVAC system for long-term peace of mind. The main level provides a bright, open layout that flows seamlessly to the fenced backyard perfect for outdoor living. On the top level, you’ll find 2 generous size bedrooms as well as an additional spare room ideal for a home office, study space, or flex room, adding valuable versatility to the floor plan. A covered front porch adds inviting curb appeal, while the renovated basement offers 1 -bedroom with 1- full bath and a kitchenette along with its own independent entrance. Perfect for an in-law suite or additional income. Some photos have been virtually staged to help showcase the home’s charm. This home is a must see!!!

21. 2025-12-03
    price $244,900 1136-char remark

    Show marketing remark (1136 chars)

    COMPLETELY REMODELED HOME - PRICED TO SELL! Welcome to 602 Denison St, a beautifully renovated 3-bedroom, 2-full-bath and 1-half bath Baltimore rowhome offering modern upgrades and timeless charm. This home features a brand-new kitchen with stainless steel appliances, quartz countertops, contemporary cabinetry, and sleek finishes. Enjoy durable LVP flooring throughout the main and upper levels, along with newly installed plumbing, electrical, and HVAC system for long-term peace of mind. The main level provides a bright, open layout that flows seamlessly to the fenced backyard perfect for outdoor living. On the top level, you’ll find 2 generous size bedrooms as well as an additional spare room ideal for a home office, study space, or flex room, adding valuable versatility to the floor plan. A covered front porch adds inviting curb appeal, while the renovated basement offers 1 -bedroom with 1- full bath and a kitchenette along with its own independent entrance. Perfect for an in-law suite or additional income. Some photos have been virtually staged to help showcase the home’s charm. This home is a must see!!!

22. 2025-11-14
    listed $249,900 Active 1136-char remark

    Show marketing remark (1136 chars)

    COMPLETELY REMODELED HOME - PRICED TO SELL! Welcome to 602 Denison St, a beautifully renovated 3-bedroom, 2-full-bath and 1-half bath Baltimore rowhome offering modern upgrades and timeless charm. This home features a brand-new kitchen with stainless steel appliances, quartz countertops, contemporary cabinetry, and sleek finishes. Enjoy durable LVP flooring throughout the main and upper levels, along with newly installed plumbing, electrical, and HVAC system for long-term peace of mind. The main level provides a bright, open layout that flows seamlessly to the fenced backyard perfect for outdoor living. On the top level, you’ll find 2 generous size bedrooms as well as an additional spare room ideal for a home office, study space, or flex room, adding valuable versatility to the floor plan. A covered front porch adds inviting curb appeal, while the renovated basement offers 1 -bedroom with 1- full bath and a kitchenette along with its own independent entrance. Perfect for an in-law suite or additional income. Some photos have been virtually staged to help showcase the home’s charm. This home is a must see!!!

23. 2025-04-22
    soldstatus $99,000
24. 1980-12-18
    soldstatus $15,000

ⓘ 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: $603 · $50/mo
• Projected year-2 tax: $1,473 · $123/mo
• Expected delta: +$870/yr (+$73/mo · 144.4%)

ⓘ 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 ≥103°F today · 16 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: $23,587
• − Mortgage interest: −$12,043
• − Property taxes: −$603
• − Insurance: −$1,075
• − Repairs & maintenance: −$1,887
• − Management: −$1,887
• − Depreciation: −$6,255
• Taxable loss: −$162
• Est. tax savings @ 24.0%: +$39
• After-tax cash flow: $3,465/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): 46,679
• Household income: $60,047
• Rent vs Own: 43.1% rent · 56.9% own
• Severe rent burden: 2776.0

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 (73%)
• Race & ethnicity: Black 73% White 15% Hispanic / Latino 6% Two or more races 4% Asian 3%
• Common ancestry: Lithuanian 1% Romanian 1% Serbian 1%
• Foreign-born: 5% · Canada, Philippines
• Languages at home: 91% English-only · Spanish 4% Other Indo-European 2% Other Asian/Pacific 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: ▼ -259.07%
• Current HPI: 226.896
• Rent YoY: ▲ 5.38%
• 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

+1333.3% since first listed

10 events — show timeline

• 2026-05-15 Price Changed $215,000 BRIGHT MLS
• 2026-04-30 Price Changed $225,000 BRIGHT MLS
• 2026-04-16 Price Changed $235,000 BRIGHT MLS
• 2026-04-03 Price Changed $240,000 BRIGHT MLS
• 2026-03-25 Relisted — BRIGHT MLS
• 2026-02-16 Listing Removed — BRIGHT MLS
• 2025-12-03 Price Changed $244,900 BRIGHT MLS
• 2025-11-14 Listed $249,900 BRIGHT MLS
• 2025-04-22 Sold (Public Records) $99,000 Public Records
• 1980-12-18 Sold (Public Records) $15,000 Public Records

Property tax history

-0.4%/yr

Latest (2025): $603 · +47.6% YoY. Source: county tax records.