1913 Druid Hill Ave · Baltimore, MD 21217

$200,000

6 bd · 3.0 ba · 2,306 sqft · Townhouse public records · 1 Days on market

Built 1920 4,356 sqft lot Est $291k · 31% under ↓ 11% since listing

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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
• ARV discount +15.0/15.0
• DSCR +10.0/10.0
• 1% rule +8.4/10.0
• 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

Renovated row house with 3 two bedroom apts ! Full storage basement with potential! Separate meters. Two existing month to month tenants @ $550/month plus util. New paint, flooring--ready for third tenant! Bank owned--quick response! Closing subject to final foreclosure ratification. AS IS Bank addendum required. Previous ground rent but none registered.

Key facts

• 4,356 sq ft lot
• Built 1920

🏷️ Possibly a rental listed for sale. The $200,000 price doesn't fit this home's estimated sale value (~$290,556) and the remarks read like a rental — treat the cards below with caution.

What this means for you Summary

Snapshot

• This is a 6-bed/3.0-bath townhouse listed at $200k.

Deal economics

• At list price, monthly cash flow is $749 ($9k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($3k rent vs $200k).
• Cap rate 11.1% 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; 5 comparable units currently listed for rent nearby; rentals at typical pace (median 24d on market — plan ~3-4 weeks tenant-placement turnaround); lower-income renter base — watch delinquency; 1,273 units permitted in Baltimore city in 2024 (1,104 in 5+ unit buildings).
• At $2,670/mo this rent would consume 83% 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 $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.
• At projected returns (-3.0% appreciation + 6.6% rent growth), your $56k cash investment doubles in ~6 years — after that, you're playing with house money.

Negotiation context

• Only 1 days on market — expect competitive offers; lowballing is unlikely to land.
• 10 sale attempts since 21y 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 $90k; list at $200k implies a 122% gain — meaningful room to come down on a strong offer.

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 $200,000

Questions for the listing agent

1. Built in 1920 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
2. What's the actual annual flood-insurance premium (NFIP or private), and is the property in a SFHA with mandatory coverage?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. 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?
5. 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?
6. 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.
7. 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.
8. 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: 11.12%
• Cash-on-cash: 17.24%
• DSCR: 1.77
• GRM: 6.2

CMA / ARV

• ARV (on-the-fly): $290,556
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
2125 Mcculloh St	0.19mi	6/3.0	2,220 (-4%)	16mo	$600,000	$270	72
426 Mosher St	0.31mi	6/3.5	2,252 (-2%)	15mo	$390,000	$173	67
1727 Mcculloh St	0.14mi	5/2.0 (-1)	2,432 (+6%)	19mo	$89,500	$37	60
823 Newington Ave	0.45mi	6/3.0	2,600 (+13%)	1mo	$449,000	$173	57
2444 Druid Hill Ave	0.47mi	6/3.0	1,992 (-14%)	0mo	$259,900	$130	55
1344 Division St	0.42mi	5/3.5 (-1)	2,098 (-9%)	4mo	$49,500	$24	55
702 Dolphin St	0.63mi	5/3.0 (-1)	2,208 (-4%)	16mo	$239,900	$109	45
722 Reservoir St	0.48mi	6/2.0	2,560 (+11%)	12mo	$265,000	$104	45
1013 Harlem Ave	0.72mi	5/3.5 (-1)	2,117 (-8%)	4mo	$170,000	$80	42
1201 N Fulton Ave	0.67mi	5/4.0 (-1)	2,100 (-9%)	5mo	$280,000	$133	41
737 Dolphin St	0.68mi	5/3.5 (-1)	2,580 (+12%)	3mo	$325,000	$126	39
1219 Cloverdale St	0.61mi	6/3.0	1,992 (-14%)	20mo	$80,000	$40	32

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: 11.0%
• Equity multiple: 1.45×
• Total profit: $25,444
• Equity at exit: $29,821

10-year hold

• IRR: 22.8%
• Equity multiple: 3.29×
• Total profit: $128,408
• Equity at exit: $17,292

Cash invested: $56,000 (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: $2,670 high
• Mortgage (P&I): −$1,049
• Tax from tax record: −$173 /mo · $2,072/yr
• Insurance: −$83
• Flood insurance flood zone: −$56 /mo · $666/yr
• HOA: −$0
• Vacancy / Maint / Mgmt: −$561
• Net cashflow: $749

Break-even live

Break-even rent $1,722

Max offer price $200,000

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: $50,000
• Closing costs: $6,000
• Reserves months: —
• Total cash needed: —

Rent comps 5 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
2401 W North Ave Baltimore, MD	5.0	2.0	2037	$1,800	$0.88	4d	1	1.19mi
313 E 25th St Baltimore, MD	5.0	2.5	2350	$2,550	$1.09	23d	1	1.38mi
445 E 22nd St Baltimore, MD	6.0	4.5	3100	$3,900	$1.26	43d	1	1.39mi
719 E 20th St Baltimore, MD	5.0	3.0	2060	$2,400	$1.17	2d	1	1.46mi
719 E 20th St Baltimore, MD	5.0	3.5	2060	$3,000	$1.46	23d	1	1.46mi

Listing history 29 events

1. 2026-04-27
   status Pending
2. 2026-04-24
   historical
3. 2026-04-23
   listed $200,000 Active
4. 2026-04-21
   historical $200,000
5. 2012-07-20
   soldstatus $90,000 Sold 359-char remark

   Show marketing remark (358 chars)

   INVESTORS:Renovated row house with 3 two bed. apts ! Full storage bsmt. with potential! Separate meters. Two existing month/month tenants @ $550/month plus util. New paint, flooring--ready for 3rd tenant! Bank owned--quick response! Closing subject to final foreclosure ratification. AS IS Bank addendum required. Previous ground rent but none registered.

6. 2012-07-20
   soldstatus $90,000 358-char remark

   Show marketing remark (358 chars)

   INVESTORS:Renovated row house with 3 two bed. apts ! Full storage bsmt. with potential! Separate meters. Two existing month/month tenants @ $550/month plus util. New paint, flooring--ready for 3rd tenant! Bank owned--quick response! Closing subject to final foreclosure ratification. AS IS Bank addendum required. Previous ground rent but none registered.

7. 2012-07-20
   soldstatus $90,000

   Show marketing remark (358 chars)

   INVESTORS:Renovated row house with 3 two bed. apts ! Full storage bsmt. with potential! Separate meters. Two existing month/month tenants @ $550/month plus util. New paint, flooring--ready for 3rd tenant! Bank owned--quick response! Closing subject to final foreclosure ratification. AS IS Bank addendum required. Previous ground rent but none registered.

8. 2012-07-20
   soldstatus $90,000 Sold

   Show marketing remark (358 chars)

   INVESTORS:Renovated row house with 3 two bed. apts ! Full storage bsmt. with potential! Separate meters. Two existing month/month tenants @ $550/month plus util. New paint, flooring--ready for 3rd tenant! Bank owned--quick response! Closing subject to final foreclosure ratification. AS IS Bank addendum required. Previous ground rent but none registered.

9. 2012-01-05
   status Contingent (No Kick Out) 359-char remark

   Show marketing remark (359 chars)

   Renovated row house with 3 two bedroom apts ! Full storage basement with potential! Separate meters. Two existing month to month tenants @ $550/month plus util. New paint, flooring--ready for third tenant! Bank owned--quick response! Closing subject to final foreclosure ratification. AS IS Bank addendum required. Previous ground rent but none registered.

10. 2012-01-05
    status Contingent (No Kick Out)

    Show marketing remark (359 chars)

    Renovated row house with 3 two bedroom apts ! Full storage basement with potential! Separate meters. Two existing month to month tenants @ $550/month plus util. New paint, flooring--ready for third tenant! Bank owned--quick response! Closing subject to final foreclosure ratification. AS IS Bank addendum required. Previous ground rent but none registered.

11. 2012-01-04
    historical 358-char remark

    Show marketing remark (358 chars)

    INVESTORS:Renovated row house with 3 two bed. apts ! Full storage bsmt. with potential! Separate meters. Two existing month/month tenants @ $550/month plus util. New paint, flooring--ready for 3rd tenant! Bank owned--quick response! Closing subject to final foreclosure ratification. AS IS Bank addendum required. Previous ground rent but none registered.

12. 2012-01-04
    historical

    Show marketing remark (358 chars)

    INVESTORS:Renovated row house with 3 two bed. apts ! Full storage bsmt. with potential! Separate meters. Two existing month/month tenants @ $550/month plus util. New paint, flooring--ready for 3rd tenant! Bank owned--quick response! Closing subject to final foreclosure ratification. AS IS Bank addendum required. Previous ground rent but none registered.

13. 2011-11-21
    price $119,000 359-char remark

    Show marketing remark (359 chars)

    Renovated row house with 3 two bedroom apts ! Full storage basement with potential! Separate meters. Two existing month to month tenants @ $550/month plus util. New paint, flooring--ready for third tenant! Bank owned--quick response! Closing subject to final foreclosure ratification. AS IS Bank addendum required. Previous ground rent but none registered.

14. 2011-11-21
    price $119,000

    Show marketing remark (359 chars)

    Renovated row house with 3 two bedroom apts ! Full storage basement with potential! Separate meters. Two existing month to month tenants @ $550/month plus util. New paint, flooring--ready for third tenant! Bank owned--quick response! Closing subject to final foreclosure ratification. AS IS Bank addendum required. Previous ground rent but none registered.

15. 2011-10-16
    listed $129,000 Active

    Show marketing remark (358 chars)

    INVESTORS:Renovated row house with 3 two bed. apts ! Full storage bsmt. with potential! Separate meters. Two existing month/month tenants @ $550/month plus util. New paint, flooring--ready for 3rd tenant! Bank owned--quick response! Closing subject to final foreclosure ratification. AS IS Bank addendum required. Previous ground rent but none registered.

16. 2011-10-16
    listed $119,000 358-char remark

    Show marketing remark (358 chars)

    INVESTORS:Renovated row house with 3 two bed. apts ! Full storage bsmt. with potential! Separate meters. Two existing month/month tenants @ $550/month plus util. New paint, flooring--ready for 3rd tenant! Bank owned--quick response! Closing subject to final foreclosure ratification. AS IS Bank addendum required. Previous ground rent but none registered.

17. 2011-10-12
    status Active 359-char remark

    Show marketing remark (359 chars)

    Renovated row house with 3 two bedroom apts ! Full storage basement with potential! Separate meters. Two existing month to month tenants @ $550/month plus util. New paint, flooring--ready for third tenant! Bank owned--quick response! Closing subject to final foreclosure ratification. AS IS Bank addendum required. Previous ground rent but none registered.

18. 2011-10-12
    historical Withdrawn

    Show marketing remark (359 chars)

    Renovated row house with 3 two bedroom apts ! Full storage basement with potential! Separate meters. Two existing month to month tenants @ $550/month plus util. New paint, flooring--ready for third tenant! Bank owned--quick response! Closing subject to final foreclosure ratification. AS IS Bank addendum required. Previous ground rent but none registered.

19. 2011-10-12
    historical

    Show marketing remark (359 chars)

    Renovated row house with 3 two bedroom apts ! Full storage basement with potential! Separate meters. Two existing month to month tenants @ $550/month plus util. New paint, flooring--ready for third tenant! Bank owned--quick response! Closing subject to final foreclosure ratification. AS IS Bank addendum required. Previous ground rent but none registered.

20. 2011-10-11
    listed $129,000 359-char remark

    Show marketing remark (359 chars)

    Renovated row house with 3 two bedroom apts ! Full storage basement with potential! Separate meters. Two existing month to month tenants @ $550/month plus util. New paint, flooring--ready for third tenant! Bank owned--quick response! Closing subject to final foreclosure ratification. AS IS Bank addendum required. Previous ground rent but none registered.

21. 2011-10-11
    historical 359-char remark

    Show marketing remark (359 chars)

    Renovated row house with 3 two bedroom apts ! Full storage basement with potential! Separate meters. Two existing month to month tenants @ $550/month plus util. New paint, flooring--ready for third tenant! Bank owned--quick response! Closing subject to final foreclosure ratification. AS IS Bank addendum required. Previous ground rent but none registered.

22. 2011-10-11
    listed $119,000

    Show marketing remark (359 chars)

    Renovated row house with 3 two bedroom apts ! Full storage basement with potential! Separate meters. Two existing month to month tenants @ $550/month plus util. New paint, flooring--ready for third tenant! Bank owned--quick response! Closing subject to final foreclosure ratification. AS IS Bank addendum required. Previous ground rent but none registered.

23. 2011-02-23
    price
24. 2011-01-14
    listed Active
25. 2011-01-14
    listed $225,000
26. 2008-01-01
    historical
27. 2007-03-18
    listed
28. 2005-02-08
    historical
29. 2005-02-06
    listed

ⓘ 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: $2,072 · $173/mo
• Projected year-2 tax: $2,126 · $177/mo
• Expected delta: +$54/yr (+$5/mo · 2.6%)

ⓘ 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: $32,044
• − Mortgage interest: −$11,203
• − Property taxes: −$2,072
• − Insurance: −$1,666
• − Repairs & maintenance: −$2,563
• − Management: −$2,563
• − Depreciation: −$5,818
• Taxable income: $6,157
• Est. tax owed @ 24.0%: −$1,478
• After-tax cash flow: $7,513/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

-11.1% since first listed

29 events — show timeline

• 2026-04-27 Pending — BRIGHT MLS
• 2026-04-24 Listing Removed — BRIGHT MLS
• 2026-04-23 Listed $200,000 BRIGHT MLS
• 2026-04-21 Coming Soon $200,000 BRIGHT MLS
• 2012-07-20 Sold (MLS) $90,000 MRIS
• 2012-07-20 Sold (MLS) $90,000 BRIGHT MLS
• 2012-07-20 Sold (MLS) $90,000 BRIGHT MLS
• 2012-07-20 Sold (MLS) $90,000 MRIS
• 2012-01-05 Pending — MRIS
• 2012-01-05 Pending — MRIS
• 2012-01-04 Listing Removed — BRIGHT MLS
• 2012-01-04 Listing Removed — BRIGHT MLS
• 2011-11-21 Price Changed $119,000 MRIS
• 2011-11-21 Price Changed $119,000 MRIS
• 2011-10-16 Listed $129,000 MRIS
• 2011-10-16 Listed $119,000 BRIGHT MLS
• 2011-10-12 Relisted — MRIS
• 2011-10-12 Delisted — MRIS
• 2011-10-12 Listing Removed — BRIGHT MLS
• 2011-10-11 Listed $119,000 BRIGHT MLS
• 2011-10-11 Delisted — MRIS
• 2011-10-11 Listed $129,000 MRIS
• 2011-02-23 Price Changed — MRIS
• 2011-01-14 Listed — MRIS
• 2011-01-14 Listed $225,000 BRIGHT MLS
• 2008-01-01 Delisted — MRIS
• 2007-03-18 Listed — MRIS
• 2005-02-08 Delisted — MRIS
• 2005-02-06 Listed — MRIS

Property tax history

+25.2%/yr

Latest (2025): $2,072 · +7.3% YoY. Source: county tax records.