105 Kidwell Ave · Centreville, MD 21617

$199,900

5 bd · 2.5 ba · 2,740 sqft · SingleFamily public records · 1 Days on market

Built 1891 6,534 sqft lot

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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 +21.3/30.0
• ARV discount +7.5/15.0
• DSCR +6.8/10.0
• 1% rule +5.9/10.0
• Livability +3.8/5.0
• Schools +3.0/10.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Built circa 1830, Queen Anne's County Courthouse was less than 40 years old and Centreville town officially even younger, this three-story home had two chimneys and six west-wall fireplaces. In the early 1900s it was moved two lots back from the highway and an interior chimney inserted that opens now on the ground floor only. Original Georgia pine wood floors.

Key facts

• 6,534 sq ft lot
• Garage
• Built 1891

What this means for you Summary

Snapshot

• This is a 5-bed/2.5-bath single-family listed at $200k.

Deal economics

• At list price, monthly cash flow is $294 ($4k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $200k).
• Cap rate 8.1% vs local median 2.0% in Centreville — 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 75/100 on livability (#102 in MD, #3,915 nationally) — a middle-class / working-renter tenant base. Strengths: employment A+, housing A+, health & safety A+; Watch: cost of living D+, amenities F, commute F.
• Queen Anne'S County Public Schools (rural): math 22% / reading 39% proficiency, ranked #7 of 24 in MD (top 29%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: 86 active listings in the ZIP; 320 units permitted in Queen Anne's County in 2024 (56 in 5+ unit buildings).

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.

Negotiation context

• Only 1 days on market — expect competitive offers; lowballing is unlikely to land.
• 5 sale attempts since 15y 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.
• Current owner paid $130k; list at $200k implies a 54% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: built in 1891 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: major wind risk, 65% 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 $199,900

Questions for the listing agent

1. Built in 1891 — 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 B-rated — typically a magnet for longer-tenancy family renters. What's the average tenant stay here, and is there a school-zone premium baked into asking?
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: 1.09% ✓
• Cap rate: 8.06%
• Cash-on-cash: 6.31%
• DSCR: 1.28
• GRM: 7.6

CMA / ARV

• ARV (on-the-fly): $528,820
• Comps found: 7

Show comp detail 7 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
105 Kidwell Ave	0.00mi	5/2.5	2,740 (0%)	0mo	$199,900	$73	100
331 Kidwell Ave	0.29mi	5/2.5	2,718 (-1%)	1mo	$549,000	$202	84
603 Little Kidwell Ave	0.32mi	4/2.5 (-1)	2,572 (-6%)	4mo	$530,000	$206	67
317 Chesterfield Ave	0.52mi	4/2.0 (-1)	2,492 (-9%)	8mo	$480,000	$193	46
220 Broadway	0.33mi	4/1.5 (-1)	2,390 (-13%)	16mo	$440,000	$184	41
225 Autumn Ln	0.66mi	4/2.5 (-1)	2,502 (-9%)	12mo	$480,000	$192	40
219 Autumn Ln	0.66mi	5/3.5	2,450 (-11%)	16mo	$553,000	$226	35

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 · 3.0% rent growth · sell at horizon

5-year hold

• IRR: -6.5%
• Equity multiple: 0.76×
• Total profit: $-13,575
• Equity at exit: $29,806

10-year hold

• IRR: 3.1%
• Equity multiple: 1.22×
• Total profit: $12,584
• Equity at exit: $17,284

Cash invested: $55,972 (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 21617

• Home prices YoY: -9.0%
• Active inventory: 86
• Price-to-rent: 7.6×

Monthly cashflow live

• Estimated rent: $2,183 medium
• Mortgage (P&I): −$1,048
• Tax from tax record: −$299 /mo · $3,584/yr
• Insurance: −$83
• HOA: −$0
• Vacancy / Maint / Mgmt: −$458
• Net cashflow: $294

Break-even live

Break-even rent $1,810

Max offer price $199,900

Occupancy floor 82%

Sensitivity live

Price	-10% $408	-5% $351	+0% $294	+5% $238	+10% $181
Rent	-10% $122	-5% $208	+0% $294	+5% $381	+10% $467
Rate	-1.0pp $395	-0.5pp $345	base $294	+0.5pp $243	+1.0pp $190

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: $49,975
• Closing costs: $5,997
• Reserves months: —
• Total cash needed: —

Listing history 18 events

1. 2026-04-08
   status Pending
2. 2026-04-08
   listed $199,900 Active
3. 2013-04-16
   soldstatus $130,000
4. 2013-03-29
   soldstatus $130,000 Sold 362-char remark

   Show marketing remark (362 chars)

   Built circa 1830, Queen Anne's County Courthouse was less than 40 years old and Centreville town officially even younger, this three-story home had two chimneys and six west-wall fireplaces. In the early 1900s it was moved two lots back from the highway and an interior chimney inserted that opens now on the ground floor only. Original Georgia pine wood floors.

5. 2013-03-29
   soldstatus $130,000 362-char remark

   Show marketing remark (362 chars)

   Built circa 1830, Queen Anne's County Courthouse was less than 40 years old and Centreville town officially even younger, this three-story home had two chimneys and six west-wall fireplaces. In the early 1900s it was moved two lots back from the highway and an interior chimney inserted that opens now on the ground floor only. Original Georgia pine wood floors.

6. 2013-02-13
   status Contingent (No Kick Out) 362-char remark

   Show marketing remark (362 chars)

   Built circa 1830, Queen Anne's County Courthouse was less than 40 years old and Centreville town officially even younger, this three-story home had two chimneys and six west-wall fireplaces. In the early 1900s it was moved two lots back from the highway and an interior chimney inserted that opens now on the ground floor only. Original Georgia pine wood floors.

7. 2013-02-13
   historical 362-char remark

   Show marketing remark (362 chars)

   Built circa 1830, Queen Anne's County Courthouse was less than 40 years old and Centreville town officially even younger, this three-story home had two chimneys and six west-wall fireplaces. In the early 1900s it was moved two lots back from the highway and an interior chimney inserted that opens now on the ground floor only. Original Georgia pine wood floors.

8. 2012-12-06
   status Active 362-char remark

   Show marketing remark (362 chars)

   Built circa 1830, Queen Anne's County Courthouse was less than 40 years old and Centreville town officially even younger, this three-story home had two chimneys and six west-wall fireplaces. In the early 1900s it was moved two lots back from the highway and an interior chimney inserted that opens now on the ground floor only. Original Georgia pine wood floors.

9. 2012-11-19
   status Contingent (No Kick Out) 362-char remark

   Show marketing remark (362 chars)

   Built circa 1830, Queen Anne's County Courthouse was less than 40 years old and Centreville town officially even younger, this three-story home had two chimneys and six west-wall fireplaces. In the early 1900s it was moved two lots back from the highway and an interior chimney inserted that opens now on the ground floor only. Original Georgia pine wood floors.

10. 2012-11-08
    price $145,000 362-char remark

    Show marketing remark (362 chars)

    Built circa 1830, Queen Anne's County Courthouse was less than 40 years old and Centreville town officially even younger, this three-story home had two chimneys and six west-wall fireplaces. In the early 1900s it was moved two lots back from the highway and an interior chimney inserted that opens now on the ground floor only. Original Georgia pine wood floors.

11. 2012-10-24
    price $155,000 362-char remark

    Show marketing remark (362 chars)

    Built circa 1830, Queen Anne's County Courthouse was less than 40 years old and Centreville town officially even younger, this three-story home had two chimneys and six west-wall fireplaces. In the early 1900s it was moved two lots back from the highway and an interior chimney inserted that opens now on the ground floor only. Original Georgia pine wood floors.

12. 2012-10-09
    price $165,000 362-char remark

    Show marketing remark (362 chars)

    Built circa 1830, Queen Anne's County Courthouse was less than 40 years old and Centreville town officially even younger, this three-story home had two chimneys and six west-wall fireplaces. In the early 1900s it was moved two lots back from the highway and an interior chimney inserted that opens now on the ground floor only. Original Georgia pine wood floors.

13. 2012-02-17
    listed $175,000 Active 362-char remark

    Show marketing remark (362 chars)

    Built circa 1830, Queen Anne's County Courthouse was less than 40 years old and Centreville town officially even younger, this three-story home had two chimneys and six west-wall fireplaces. In the early 1900s it was moved two lots back from the highway and an interior chimney inserted that opens now on the ground floor only. Original Georgia pine wood floors.

14. 2012-02-17
    listed $145,000 362-char remark

    Show marketing remark (362 chars)

    Built circa 1830, Queen Anne's County Courthouse was less than 40 years old and Centreville town officially even younger, this three-story home had two chimneys and six west-wall fireplaces. In the early 1900s it was moved two lots back from the highway and an interior chimney inserted that opens now on the ground floor only. Original Georgia pine wood floors.

15. 2011-12-02
    historical Withdrawn
16. 2011-06-06
    listed Active
17. 1989-04-24
    soldstatus $80,000
18. 1984-04-14
    soldstatus $42,900

ⓘ 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: $3,584 · $299/mo
• Projected year-2 tax: $3,584 · $299/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 1/10 Low
• 🌡 Heat 8/10 Severe 7 d/yr ≥105°F today · 16 d/yr by 30 yrs out
• 💨 Wind 6/10 Major 65% 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: $26,198
• − Mortgage interest: −$11,198
• − Property taxes: −$3,584
• − Insurance: −$1,000
• − Repairs & maintenance: −$2,096
• − Management: −$2,096
• − Depreciation: −$5,815
• Taxable income: $410
• Est. tax owed @ 24.0%: −$98
• After-tax cash flow: $3,435/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: Queen Anne'S County Public Schools
• NCES district ID: 2400540
• Math proficiency: 22% ▼ -30.00%
• Reading proficiency: 39% ▼ -22.00%
• Median HH income: $84,577
• Composite: 29.86/100
• National rank: #6406
• State rank: #7 of 24 in MD

Livability — Centreville

• Score: 75/100
• State rank: #102
• US rank: #3915

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Centreville, MD
• Population (ZIP): 10,614

Population outlook (Queen Anne's County) Hauer SSP2

• Today (2025): 51,149 people
• By 2030: 51,979 · +1.6%
• By 2040: 52,728 · +3.1%
• By 2050: 51,828 · +1.3%
• By 2075: 50,169 · -1.9%
• By 2100: 44,442 · -13.1%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (87%)
• Race & ethnicity: White 87% Black 7% Two or more races 3% Hispanic / Latino 2%
• Common ancestry: Italian 3% Romanian 2% Slovak 2%
• Foreign-born: 3% · China, Canada
• Languages at home: 97% English-only · Spanish 1%

Political lean MEDSL · Queen Anne's

• 2024 margin: Strong R (+27.8) · D 35.1% · R 62.9% · Other 2.1%
• 2008→2024 swing: -0.7pp no change · 2008: -27.1pp · 2024: -27.8pp
• All cycles: 2024: R+27.8 2020: R+26.5 2016: R+36.1 2012: R+30.1 2008: R+27.1

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -24.68%
• Current HPI: 248.7802
• 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

+366.0% since first listed

18 events — show timeline

• 2026-04-08 Pending — BRIGHT MLS
• 2026-04-08 Listed $199,900 BRIGHT MLS
• 2013-04-16 Sold (Public Records) $130,000 Public Records
• 2013-03-29 Sold (MLS) $130,000 BRIGHT MLS
• 2013-03-29 Sold (MLS) $130,000 MRIS
• 2013-02-13 Pending — MRIS
• 2013-02-13 Listing Removed — BRIGHT MLS
• 2012-12-06 Relisted — MRIS
• 2012-11-19 Pending — MRIS
• 2012-11-08 Price Changed $145,000 MRIS
• 2012-10-24 Price Changed $155,000 MRIS
• 2012-10-09 Price Changed $165,000 MRIS
• 2012-02-17 Listed $175,000 MRIS
• 2012-02-17 Listed $145,000 BRIGHT MLS
• 2011-12-02 Delisted — MRIS
• 2011-06-06 Listed — MRIS
• 1989-04-24 Sold (Public Records) $80,000 Public Records
• 1984-04-14 Sold (Public Records) $42,900 Public Records

Property tax history

+1.2%/yr

Latest (2025): $3,584 · +8.7% YoY. Source: county tax records.