21525 National Pike NE · Flintstone, MD 21530

$69,777

2 bd · 1.0 ba · 924 sqft · SingleFamily public records · 55 Days on market

Built 1959 0.36 ac lot $76/sqft · 39% below area Est $114k · 39% under

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Why this score? — see what drove the A- 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
• 1% rule +10.0/10.0
• DSCR +10.0/10.0
• Appreciation +10.0/10.0
• Rent growth +2.5/5.0
• Livability +2.5/5.0
• Condition / age +2.5/5.0
• Schools +1.9/10.0

Listing remarks

If you're looking for off-the-chart potential in a peaceful rural setting, this property has it! With convenient on-and-off access to Interstate 68, traveling throughout the tri-state area is simple while still allowing you to enjoy the quiet atmosphere of country living. Whether you’re searching for your next investment opportunity, a potential Airbnb, or a relaxing weekend getaway, this property presents a variety of possibilities. This 2-bedroom, 1-bathroom cottage features a functional layout with space that can be refreshed and tailored to suit your needs over time. The basement provides valuable storage, including an additional room ideal for tools, equipment, or seasonal items.

Key facts

• Spacious yard
• Functional layout
• Valuable storage

Tags

• PEACEFUL RURAL SETTING
• FUNCTIONAL LAYOUT
• VALUABLE STORAGE
• SPACIOUS YARD
• SURROUNDING COUNTRYSIDE

Property features AI

Exterior

• Parking: Gravel driveway; Driveway with 3 spaces (total 3 garage/parking spaces listed)
• Utilities: Well water; Public sewer
• Home design: Detached structure; Shingle roof
• Construction: Block foundation; Block construction; Shingle siding; Wood frame windows; Above-grade and below-grade structures
• Exterior features: Front yard; Rear yard; Rural setting; Road frontage; Porch(es); Exterior lighting; Sidewalks

Interior

• Kitchen: Gas oven/range
• Bedrooms: 2 bedrooms on the main level; Room list includes: Bedroom 1, Bedroom 2
• Flooring: Hardwood floors; Laminated flooring
• Bathrooms: 1 full bathroom on the main level; Total of 1 full bathroom
• Heating & cooling: Forced air heating (oil); Central air conditioning
• Interior features: Tub/shower; Combination dining and living area; Entry-level bedroom; Wood walls; Interior access to the basement; Unfinished basement
• Laundry & utility: Basement laundry hookups

What this means for you Summary

Snapshot

• This is a 2-bed/1.0-bath single-family listed at $70k.

Deal economics

• At list price, monthly cash flow is $393 ($5k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $70k).
• Recommended offer: $68k (3.0% below list) — sets the bar for market timing.

Location & tenants

• Location reads 50/100 on livability (#456 in MD) — a working-class tenant base; expect higher turnover. Strengths: crime A, cost of living A-, schools B+; Watch: amenities F, commute F, employment 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: 7 active listings in the ZIP; 24 units permitted in Allegany County in 2024 (0 in 5+ unit buildings).

Forward outlook

• In year one you build about $7k of equity ($483 loan paydown + $7k appreciation (10.0% local appreciation)).
• Allegany County population projected at -14% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.
• At projected returns (10.0% appreciation + 3.0% rent growth), your $20k cash investment doubles in ~2 years — after that, you're playing with house money.
• By year 5, paydown + projected appreciation supports a ~$35k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• It's been on market 55 days — a 3% lower offer ($68k) is reasonable based on typical stale-listing flexibility.

Risks & watch-outs

• Watch-outs: built in 1959 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: extreme-heat days projected 8→21/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $67,683 (3.0% below list)

Questions for the listing agent

1. It's been on market 55 days. Have you received any prior offers? Is the seller open to a 3% concession, seller financing, or rate buy-down credit?
2. Built in 1959 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. 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?
5. 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.
6. 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.
7. 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: 1.51% ✓
• Cap rate: 13.06%
• Cash-on-cash: 24.16%
• DSCR: 2.08
• GRM: 5.5

CMA / ARV

• ARV (median comp): $113,569
• List price: $69,777
• Delta: -38.56%
• Verdict: UNDERPRICED
• Comps: 2 within 1.0 mi

Projected returns pro-forma

10.0% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 42.4%
• Equity multiple: 4.23×
• Total profit: $63,047
• Equity at exit: $62,861

10-year hold

• IRR: 36.7%
• Equity multiple: 9.49×
• Total profit: $165,941
• Equity at exit: $135,561

Cash invested: $19,538 (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 21530

• Active inventory: 7
• Price-to-rent: 5.5×

Monthly cashflow live

• Estimated rent: $1,055 medium
• Mortgage (P&I): −$366
• Tax from tax record: −$45 /mo · $545/yr
• Insurance: −$29
• HOA: −$0
• Vacancy / Maint / Mgmt: −$222
• Net cashflow: $393

Break-even live

Break-even rent $557

Max offer price $69,777

Occupancy floor 58%

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: $17,444
• Closing costs: $2,093
• Reserves months: —
• Total cash needed: —

Listing history 15 events

1. 2026-06-19
   days on market $69,777 Active 55 DOM
2. 2026-06-18
   days on market $69,777 Active 54 DOM
3. 2026-06-17
   days on market $69,777 Active 53 DOM
4. 2026-06-16
   days on market $69,777 Active 52 DOM
5. 2026-06-15
   days on market $69,777 Active 51 DOM
6. 2026-06-14
   days on market $69,777 Active 49 DOM
7. 2026-06-12
   days on market $69,777 Active 48 DOM
8. 2026-06-09
   days on market $69,777 Active 45 DOM
9. 2026-06-08
   days on market $69,777 Active 44 DOM
10. 2026-06-07
    days on market $69,777 Active 43 DOM
11. 2026-06-02
    days on market $69,777 Active 38 DOM
12. 2026-06-01
    days on market $69,777 Active 37 DOM
13. 2026-05-31
    days on market $69,777 Active 36 DOM
14. 2026-05-30
    days on market $69,777 Active 35 DOM
15. 2026-04-25
    listed $69,777 Active 1099-char remark

ⓘ 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: $545 · $45/mo
• Projected year-2 tax: $653 · $54/mo
• Expected delta: +$108/yr (+$9/mo · 19.8%)

ⓘ 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 4/10 Moderate
• 🌡 Heat 5/10 Major 8 d/yr ≥99°F today · 21 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: $12,664
• − Mortgage interest: −$3,909
• − Property taxes: −$545
• − Insurance: −$349
• − Repairs & maintenance: −$1,013
• − Management: −$1,013
• − Depreciation: −$2,030
• Taxable income: $3,806
• Est. tax owed @ 24.0%: −$914
• After-tax cash flow: $3,807/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 — Flintstone

• Score: 50/100
• State rank: #456
• US rank: #25716

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Flintstone, MD
• Population (ZIP): 1,481

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 (97%)
• Race & ethnicity: White 97% Hispanic / Latino 1%
• Common ancestry: Slovak 4% Romanian 4% Serbian 1%
• Foreign-born: 1%
• Languages at home: 97% English-only · Spanish 2% German/W. Germanic 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: ▲ 92.82%
• Current HPI: 336.6652
• 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

• 2026-04-25 Listed $69,777 BRIGHT MLS

Property tax history

+0.7%/yr

Latest (2025): $545 · +15.3% YoY. Source: county tax records.