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10915 Drummond Pl
D Composite 43.35
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).

  • ARV discount +12.7/15.0
  • Cash flow +10.4/30.0
  • Condition / age +4.8/5.0
  • 1% rule +4.1/10.0
  • Livability +3.6/5.0
  • DSCR +3.0/10.0
  • Rent growth +2.5/5.0
  • Schools +2.2/10.0
  • Appreciation +0.0/10.0

$374,990

10915 Drummond Pl · Waldorf, MD 20695
3 bd · 3.0 ba · 2,169 sqft · Townhouse public records · 95 Days on market
Built 2025 Excellent condition 1,917 sqft lot Garage $173/sqft · 12% below area Est $424k · 12% under $85/mo HOA · 2% of rent ↓ 9% since listing

🖨 Deal sheet (PDF) 📄 Offer letter ✓ Due diligence

Listing remarks

3 levels of modern, stylish living in an amenity-rich subdivision. You were meant to both relax and entertain in this home. The spacious main living level with its on-trend kitchen, upgraded flooring, recessed lights everywhere, and large windows will have you blushing from all the compliments you will receive on your new home. And, guess what? You actually have a decent size fenced backyard. You're welcome. Another nice perk is a bathroom on each level. There's more, you will benefit from a flex space (with access to the backyard) on the 1st floor that offers many possibilities to use as an office, wellness room, rec room, etc; personalize to fit your lifestyle.

Key facts

  • $85 HOA
  • Garage
  • Community pool

Neighborhood map

Property Rental comp Retail Costco Walmart Transit Schools Stadiums Fortune 500 · Circle radius: 6.0 mi
Loading POIs…

What this means for you Summary

Snapshot

  • This is a 3-bed/3.0-bath townhouse listed at $375k. Condition is rated excellent.

Deal economics

  • At list price, monthly cash flow is $-196 ($-2k/yr) — negative.
  • To cash-flow at today's rent, offer at most $340k (9.2% below list).
  • To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $340k (9.2% below list).
  • Recommended offer: $340k (9.2% below list) — sets the bar for cash-flow.

Location & tenants

  • Location reads 72/100 on livability (#141 in MD) — a middle-class / working-renter tenant base. Strengths: commute A+, employment A+, housing A+; Watch: crime D-, amenities F, cost of living F.
  • Charles County Public Schools (suburban): math 13% / reading 29% proficiency, ranked #14 of 24 in MD (top 58%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover.
  • Zoned schools: Dr. Gustavus Brown Elementary (math 2% / reading 12%, grade F, #699 of 860 statewide, top 84%, 413 students, 73% FRL); Milton M. Somers Middle School (math 15% / reading 36%, grade F, #97 of 225 statewide, top 46%, 666 students, 39% FRL); St. Charles High School (math 26% / reading 41%, grade F, #148 of 222 statewide, top 67%, 1,569 students, 48% FRL) — zoned schools average 53% FRL vs 28% district-wide (26 pts higher); higher-poverty schools than district average — tighter screening recommended.
  • Market conditions: 281 active listings in the ZIP; 29 comparable units currently listed for rent nearby; rentals lingering (median 62d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 69% of comp listings sitting > 30 days — soft ceiling on asking rent; high-income renter base; 1,542 units permitted in Charles County in 2024 (516 in 5+ unit buildings).

Forward outlook

  • Local home prices are declining (-3.0%/yr); year-one equity from $3k of loan paydown is wiped out by about $11k of value loss. Plan a longer hold.
  • Charles County population projected at +27% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.

Negotiation context

  • It's been on market 95 days — a 9% lower offer ($341k) is reasonable based on typical stale-listing flexibility.
Recommended offer $340,432 (9.2% below list)

Questions for the listing agent

  1. What do current leases actually rent for vs. the listed asking? Can we see a recent rent roll and the last 12 months of T-12 income?
  2. It's been on market 95 days. Have you received any prior offers? Is the seller open to a 9% concession, seller financing, or rate buy-down credit?
  3. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
  4. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
  5. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
  6. 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?
  7. Crime grade is D 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?
  8. 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?
  9. 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.
  10. 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.
  11. 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
5.67%
Cash-on-cash
-2.24%
DSCR
0.90
GRM
9.2

CMA / ARV

ARV (median comp)
$424,442
List price
$374,990
Delta
-11.65%
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
10528 Cobbler Pl 0.17mi 3/3.5 2,117 (-2%) 1mo $433,890 $205 85
5518 Aberdeen Pl 0.14mi 3/3.0 2,072 (-4%) 2mo $398,990 $193 84
5527 Aberdeen Pl 0.11mi 3/3.0 1,880 (-13%) 2mo $399,990 $213 71
5507 Aberdeen Pl 0.17mi 3/3.0 1,880 (-13%) 0mo $402,890 $214 70
5524 Aberdeen Pl 0.12mi 2/3.0 (-1) 1,862 (-14%) 0mo $349,990 $188 66
5526 Aberdeen Pl 0.12mi 2/3.0 (-1) 1,862 (-14%) 2mo $349,990 $188 64
5638 Ludlow Pl 0.22mi 3/3.5 1,886 (-13%) 2mo $376,990 $200 64
5616 Ludlow Pl 0.23mi 3/3.5 1,871 (-14%) 2mo $379,990 $203 62
11405 Sandhurst Pl 0.75mi 3/3.0 2,145 (-1%) 1mo $420,000 $196 62
5567 Marksburg Pl 0.15mi 2/3.5 (-1) 1,862 (-14%) 1mo $382,490 $205 62
5568 Marksburg Pl 0.17mi 2/3.5 (-1) 1,862 (-14%) 0mo $381,990 $205 61
5640 Ludlow Pl 0.22mi 2/3.5 (-1) 1,871 (-14%) 2mo $379,990 $203 58

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
-19.9%
Equity multiple
0.30×
Total profit
$-72,992
Equity at exit
$55,912
10-year hold
IRR
-12.7%
Equity multiple
0.25×
Total profit
$-78,661
Equity at exit
$32,422

Cash invested: $104,997 (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.
Buyer's market Market conditions within 1.0 mi — comparable homes for sale

Active competition Active MLS

For sale now
66 active · 51 under contract
Months of supply
6.1 mo (16%/mo absorbed)
Median asking
$399,990 ($209/sqft)
Median days on market
49 d
This list price
9% of active listings are priced below it
ARV vs active asking
-6.2% vs current asking $/sqft

Closed sales set the value; these active listings set current market conditions and a practical price ceiling.

ZIP-level market 20695

Home prices YoY
-5.3%
Active inventory
281
Price-to-rent
9.2×

Monthly cashflow live

Estimated rent
$3,405 high interval (Pro) →
Mortgage (P&I)
$1,966
Tax from tax record
$678 /mo · $8,132/yr
Insurance
$156
HOA
$85
Vacancy / Maint / Mgmt
$715
Net cashflow
$-196

Break-even live

Break-even rent $3,652
Max offer price $340,432
Occupancy floor

Sensitivity live

Price -10% $17 -5% $-89 +0% $-196 +5% $-302 +10% $-408
Rent -10% $-465 -5% $-330 +0% $-196 +5% $-61 +10% $73
Rate -1.0pp $-7 -0.5pp $-100 base $-196 +0.5pp $-293 +1.0pp $-392

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
$93,748
Closing costs
$11,250
Reserves months
Total cash needed

Loan-product check · same deal, 3 products live

Conventional

25% down · 7.5% · 30yr

Cash invested
Monthly P&I
Monthly cashflow
DSCR
Eligible?

Personal DTI + credit; lowest rate.

DSCR

20% down · 8.5% · 30yr

Cash invested
Monthly P&I
Monthly cashflow
DSCR
Eligible?

No personal income docs; deal must DSCR.

Hard money

10% down · 12.0% · 12mo

Cash invested
Monthly P&I
Monthly cashflow
DSCR
Eligible?

Short-term bridge; refi at stabilization.

Rent comps 29 comps

AddressBedsBaths SqftRent$/sqft DOM Units Dist
10933 Drummond Pl Unit 10933 White Plains, MD 3.0 3.0 2300 $3,500 $1.52 54d 1 0.02mi
10939 Drummond Pl White Plains, MD 3.0 2.5 2192 $3,500 $1.60 73d 1 0.03mi
10626 Roundstone Ln White Plains, MD 3.0 3.5 2736 $3,800 $1.39 93d 1 0.07mi
10893 Drummond Pl White Plains, MD 3.0 2.5 2192 $3,250 $1.48 71d 1 0.08mi
5527 Aberdeen Pl White Plains, MD 3.0 4.0 1880 $3,000 $1.60 62d 1 0.09mi
5527 Aberdeen Pl White Plains, MD 3.0 4.0 1880 $3,000 $1.60 48d 1 0.09mi
5616 Ludlow Pl White Plains, MD 3.0 3.5 1871 $3,050 $1.63 3d 1 0.20mi
5692 Glencoe Pl White Plains, MD 3.0 2.5 1942 $3,254 $1.67 3d 4 0.24mi
11180 Conway Pl White Plains, MD 3.0 2.5 1765 $3,418 $1.94 0d 10 0.44mi
4152 Skipton Pl White Plains, MD 3.0 2.5 2529 $3,300 $1.30 33d 1 0.49mi
4165 Brodie Pl White Plains, MD 3.0 3.5 2544 $3,000 $1.18 66d 1 0.50mi
11177 Southport Pl White Plains, MD 3.0 2.5 1718 $2,950 $1.72 3d 1 0.69mi
11472 Stockport Pl White Plains, MD 4.0 3.5 2418 $3,500 $1.45 93d 1 0.71mi
3908 Glacier Bay Pl White Plains, MD 4.0 2.5 2388 $3,200 $1.34 39d 1 0.75mi
5457 Spotswood Pl White Plains, MD 3.0 2.5 2180 $3,200 $1.47 23d 1 0.75mi
5401 Phillis Wheatley Pl White Plains, MD 3.0 3.5 2688 $3,500 $1.30 93d 1 0.80mi
11687 Emily Dickinson Pl White Plains, MD 3.0 3.5 2496 $3,500 $1.40 12d 1 0.82mi
10605 Willetts Crossing Rd White Plains, MD 4.0 1.0 1514 $2,390 $1.58 93d 1 0.89mi
5754 Frederick Douglas Pl White Plains, MD 3.0 3.5 2220 $3,500 $1.58 93d 1 1.08mi
5764 Frederick Douglas Pl White Plains, MD 4.0 2.5 2460 $3,500 $1.42 3d 1 1.09mi
5972 Kate Chopin Pl White Plains, MD 3.0 3.5 2627 $3,100 $1.18 43d 1 1.18mi
5525 Peanuts Ln Waldorf, MD 3.0 4.0 2160 $3,400 $1.57 93d 1 1.39mi
5427 Doubleday Ln Waldorf, MD 3.0 2.0 2160 $3,169 $1.47 0d 1 1.41mi
5435 Doubleday Ln Waldorf, MD 4.0 2.5 2646 $3,650 $1.38 67d 1 1.42mi
5435 Doubleday Ln Waldorf, MD 4.0 2.5 2646 $3,600 $1.36 64d 1 1.42mi
11761 Nationals Ln Unit 11761 Waldorf, MD 3.0 2.5 2160 $3,200 $1.48 73d 1 1.45mi
11761 Nationals Ln Unit 11761 Waldorf, MD 3.0 2.5 2160 $3,200 $1.48 62d 1 1.45mi
11703 Palm Desert Pl Waldorf, MD 3.0 2.5 1780 $2,750 $1.54 8d 1 1.47mi
11696 Palm Desert Pl Waldorf, MD 3.0 2.5 1720 $2,900 $1.69 66d 1 1.49mi

Property features AI

Finance

HOA & community
Monthly HOA fee of $85HOA includes pool(s) and trashCommunity amenities include clubhouse, outdoor pool, dog park, playground, and fitness center

Exterior

Parking
Attached front-entry garage (1 space)
Utilities
Public waterPublic sewerNatural gas hot water
Home design
Interior townhouse/rowhouseFee simple ownershipProperty in excellent conditionBuilt by Lennar
Construction
Stone and vinyl siding exteriorSlab foundation
Exterior features
Community poolAbove grade and below grade structures

Interior

Kitchen
Built-in microwaveGas range/ovenDishwasherDisposalRefrigeratorStainless steel appliancesEnergy-efficient appliances
Bedrooms
3 bedrooms on the upper level
Flooring
CarpetCeramic tileLuxury vinyl plank
Bathrooms
2 full bathrooms (upper level)2 half bathrooms total (one on main level and one on lower level)
Heating & cooling
Forced air heatingNatural gas heatingCentral air conditioning (electric)
Interior features
Open floor planDining areaGourmet kitchenKitchen islandPantryRecessed lightingStall showerTub/shower combinationWalk-in closet(s)Master bath(s)Sprinkler system
Laundry & utility
WasherDryerExhaust fan

Listing history 50 events

  1. 2026-08-08
    days on market $374,990 Active 95 DOM
  2. 2026-08-06
    days on market $374,990 Active 93 DOM
  3. 2026-08-05
    days on market $374,990 Active 92 DOM
  4. 2026-08-04
    days on market $374,990 Active 91 DOM
  5. 2026-08-03
    days on market $374,990 Active 90 DOM
  6. 2026-07-31
    days on market $374,990 Active 87 DOM
  7. 2026-07-30
    days on market $374,990 Active 85 DOM
  8. 2026-07-28
    days on market $374,990 Active 84 DOM
  9. 2026-07-26
    days on market $374,990 Active 82 DOM
  10. 2026-07-24
    days on market $374,990 Active 80 DOM
  11. 2026-07-23
    days on market $374,990 Active 79 DOM
  12. 2026-07-22
    days on market $374,990 Active 78 DOM
  13. 2026-07-21
    days on market $374,990 Active 77 DOM
  14. 2026-07-20
    days on market $374,990 Active 76 DOM
  15. 2026-07-18
    days on market $374,990 Active 74 DOM
  16. 2026-07-18
    days on market $374,990 Active 73 DOM
  17. 2026-07-16
    days on market $374,990 Active 72 DOM
  18. 2026-07-15
    days on market $374,990 Active 71 DOM
  19. 2026-07-14
    days on market $374,990 Active 70 DOM
  20. 2026-07-13
    days on market $374,990 Active 69 DOM
  21. 2026-07-13
    days on market $374,990 Active 68 DOM
  22. 2026-07-11
    days on market $374,990 Active 67 DOM
  23. 2026-07-10
    days on market $374,990 Active 66 DOM
  24. 2026-07-09
    days on market $374,990 Active 65 DOM
  25. 2026-07-07
    days on market $374,990 Active 63 DOM
  26. 2026-07-06
    days on market $374,990 Active 62 DOM
  27. 2026-07-06
    days on market $374,990 Active 61 DOM
  28. 2026-07-05
    days on market $374,990 Active 60 DOM
  29. 2026-07-03
    days on market $374,990 Active 59 DOM
  30. 2026-07-02
    days on market $374,990 Active 58 DOM
  31. 2026-07-01
    days on market $374,990 Active 57 DOM
  32. 2026-06-30
    days on market $374,990 Active 56 DOM
  33. 2026-06-29
    days on market $374,990 Active 55 DOM
  34. 2026-06-28
    days on market $374,990 Active 54 DOM
  35. 2026-06-27
    days on market $374,990 Active 53 DOM
  36. 2026-06-26
    days on market $374,990 Active 52 DOM
  37. 2026-06-24
    days on market $374,990 Active 50 DOM
  38. 2026-06-22
    days on market $374,990 Active 48 DOM
  39. 2026-06-21
    days on market $374,990 Active 47 DOM
  40. 2026-06-18
    days on market $374,990 Active 44 DOM
  41. 2026-06-17
    days on market $374,990 Active 43 DOM
  42. 2026-06-16
    days on market $374,990 Active 42 DOM
  43. 2026-06-15
    days on market $374,990 Active 41 DOM
  44. 2026-06-13
    days on market $374,990 Active 39 DOM
  45. 2026-06-10
    days on market $374,990 Active 35 DOM
  46. 2026-06-08
    days on market $374,990 Active 34 DOM
  47. 2026-06-07
    days on market $374,990 Active 33 DOM
  48. 2026-06-04
    days on market $374,990 Active 30 DOM
  49. 2026-06-03
    days on market $374,990 Active 29 DOM
  50. 2026-06-02
    days on market $374,990 Active 28 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
$8,132 · $678/mo
Projected year-2 tax
$8,132 · $678/mo
Expected delta
$0/yr ($0/mo · 0.0%)

ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.

Nearby sold comps map

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Walkable amenities ~0.75 mi

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Taxation est. · year 1

Rental income
$40,858
− Mortgage interest
−$21,005
− Property taxes
−$8,132
− Insurance
−$1,875
− Repairs & maintenance
−$3,269
− Management
−$3,269
− HOA
−$1,020
− Depreciation
−$10,909
Taxable loss
−$8,621
combined federal + state — saved on this device
Est. tax savings @ 24.0%
+$2,069
After-tax cash flow
$-279/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.

Condition & rehab AI · 12 photos

Excellent 95/100 None rehab

This nearly new townhouse is in excellent condition with modern amenities and a great location. It's move-in ready and ready to be customized for maximum value.

Value-add opportunities

  • Both landscaping — improves curb appeal and adds value
  • Both furniture — adds comfort and style
  • Both smart home integration — enhances convenience and adds modern appeal
F Composite school gradezoned avg 22/100

Zoned Schools

Elementary Arthur Middleton Elementary School F MD #681/860 Nat'l #39,883/41,679 Middle Milton M. Somers Middle School F MD #97/225 Nat'l #10,204/14,009 High St. Charles High School F MD #148/222 Nat'l #10,191/17,239

Schools (NCES district)

District
Charles County Public Schools
NCES district ID
2400270
Math proficiency
13% ▼ -19.00%
Reading proficiency
29% ▼ -13.00%
Median HH income
$90,389
Composite
22.54/100
National rank
#8087
State rank
#14 of 24 in MD
B Composite livability gradescore 72/100

Livability — Waldorf

Score
72/100
State rank
#141
US rank
#6083

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

Census place
Waldorf, MD
County
Charles County · 176,616 people
City population
103,527
Metro
Washington-Arlington-Alexandria, DC-VA-MD-WV
Population (ZIP)
16,407
Household income
$141,959
Rent vs Own
12.8% rent · 87.2% own
Severe rent burden
14% of renters

Population outlook (Charles County) Hauer SSP2

Today (2025)
176,616 people
By 2030
186,471 · +5.6%
By 2040
206,472 · +16.9%
By 2050
224,883 · +27.3%
By 2075
272,101 · +54.1%
By 2100
303,564 · +71.9%

Race, ethnicity, and origin ACS 2023

Neighborhood character
Diverse neighborhood (Simpson 0.58)
Race & ethnicity
Black 61% White 23% Two or more races 9% Hispanic / Latino 4% Asian 2%
Common ancestry
Slovak 1% Italian 1% Lithuanian 1%
Foreign-born
9% · Canada, South Korea
Languages at home
91% English-only · Spanish 4% Tagalog/Filipino 1% French/Haitian/Cajun 1%

Political lean MEDSL · Charles

2024 margin
Solid D (+40.7) · D 69.2% · R 28.5% · Other 2.2%
2008→2024 swing
+15.2pp toward D · 2008: 25.5pp · 2024: 40.7pp
All cycles
2024: D+40.7 2020: D+40.9 2016: D+30.2 2012: D+31.3 2008: D+25.5

Not yet ingested

Civics

Price history

-9.0% since first listed
4 events — show timeline
  • 2026-05-05 Relisted BRIGHT MLS
  • 2026-05-05 Listing Removed BRIGHT MLS
  • 2026-05-05 Coming Soon $374,990 BRIGHT MLS
  • 2025-03-03 Sold (Public Records) $412,240 Public Records

Property tax history

+3642.3%/yr

Latest (2025): $8,132 · +3642.3% YoY. Source: county tax records.

Cash-flow waterfall

monthly

Sold comps — $/sqft

last 12 mo · ≤1 mi

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