3608 Harlem Ave · Baltimore, MD
Flood risk 1/10 · Minimal
- FEMA flood zone
- X (unshaded)
- Chance of flooding over 30 yrs
- 0.0%
- Est. flood insurance / yr
- $473 – $860
Fire risk 1/10 · Minimal
- Est. fire insurance / yr
- $755 – $1,403
Heat risk 7/10 · Major
- Hot days now (above 103°F)
- 7 days/yr
- Hot days in 30 yrs
- 15 days/yr
Wind risk 5/10 · Moderate
- Chance of severe wind over 30 yrs
- 24.0%
Air-quality risk 3/10 · Minor
- Unhealthy air days now
- 3 days/yr
- Unhealthy air days in 30 yrs
- 4 days/yr
Risk factors via First Street. Map © Google.
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
- 1% rule +10.0/10.0
- DSCR +10.0/10.0
- 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
$116,500
🖨 Deal sheet (PDF) 📄 Offer letter ✓ Due diligence
Listing remarks MLS
Investor alert or perfect for a savvy homeowner! This charming end-unit townhome in Edmondson Village offers excellent rental potential and long-term value. Featuring 3 spacious bedrooms, 1 full bath, a welcoming front porch, and a fully fenced yard, this property is move-in ready with a valid Baltimore City rental license already in place. Enjoy additional living space in the partially finished basement—ideal for a rec room, home office, or extra storage. With a strong rental market in the area, you can expect potential monthly income of $1,500–$1,600. Whether you’re expanding your portfolio or searching for your next personal residence, this well-maintained property delivers space, functionality, and income-generating potential.
Key facts
- Built 1925
- Listed 350 days
Neighborhood map
What this means for you Summary
Snapshot
- This is a 3-bed/1.0-bath townhouse listed at $116k.
Deal economics
- At list price, monthly cash flow is $631 ($8k/yr) — positive.
- The deal already cash-flows at list — no discount required.
- Meets the 1% rule at list price ($2k rent vs $116k).
- Recommended offer: $103k (12.0% below list) — sets the bar for market timing.
- Cap rate 12.8% 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); 252 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 38% 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 $805 of loan paydown is wiped out by about $3k 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 + 5.4% rent growth), your $33k cash investment doubles in ~5 years — after that, you're playing with house money.
Negotiation context
- It's been on market 351 days — a 12% lower offer ($103k) is reasonable based on typical stale-listing flexibility.
- 4 sale attempts since 17y ago; this cycle's ask has dropped $16k (12%) from the opening price — seller is motivated, your offer sets the floor, not the list.
- Current owner paid $35k; list at $116k implies a 235% gain — meaningful room to come down on a strong offer.
Risks & watch-outs
- Watch-outs: built in 1925 — expect roof / HVAC / electrical / plumbing capex.
- Climate carrying-cost: moderate wind risk, 24% 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.
Questions for the listing agent
- It's been on market 351 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
- Built in 1925 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
- Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
- Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
- 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?
- 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?
- 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.
- 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.
- 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
- 1.62% ✓
- Cap rate
- 12.80%
- Cash-on-cash
- 23.23%
- DSCR
- 2.03
- GRM
- 5.1
CMA / ARV
- ARV (median comp)
- $193,461
- List price
- $116,500
- Delta
- -39.78%
- 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 |
|---|---|---|---|---|---|---|---|
| 1000 Mount Holly St | 0.26mi | 3/1.5 | 1,290 (+3%) | 1mo | $93,000 | $72 | 80 |
| 3821 Stokes Dr | 0.37mi | 3/2.0 | 1,254 (+0%) | 1mo | $145,000 | $116 | 77 |
| 1007 Wildwood Pkwy | 0.38mi | 3/1.0 | 1,216 (-3%) | 2mo | $111,100 | $91 | 77 |
| 300 Denison St | 0.36mi | 3/2.0 | 1,260 (+1%) | 2mo | $205,000 | $163 | 76 |
| 3806 Rokeby Rd | 0.32mi | 3/1.0 | 1,160 (-7%) | 2mo | $120,000 | $103 | 72 |
| 3707 Colborne Rd | 0.18mi | 3/2.0 | 1,400 (+12%) | 1mo | $220,000 | $157 | 67 |
| 3224 Belmont Ave | 0.61mi | 3/1.5 | 1,178 (-6%) | 1mo | $77,000 | $65 | 59 |
| 21 Culver St | 0.63mi | 2/2.0 (-1) | 1,260 (+1%) | 1mo | $210,000 | $167 | 59 |
| 222 N Hilton St | 0.51mi | 3/1.0 | 1,120 (-10%) | 1mo | $89,775 | $80 | 58 |
| 517 N Edgewood St | 0.21mi | 4/2.5 (+1) | 1,430 (+15%) | 2mo | $90,000 | $63 | 54 |
| 3039 Harlem Ave | 0.54mi | 3/1.0 | 1,070 (-14%) | 1mo | $27,500 | $26 | 50 |
| 537 Longwood St | 0.68mi | 4/2.0 (+1) | 1,176 (-6%) | 0mo | $60,000 | $51 | 49 |
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
- IRR
- 19.0%
- Equity multiple
- 1.80×
- Total profit
- $26,022
- Equity at exit
- $17,371
- IRR
- 29.1%
- Equity multiple
- 3.90×
- Total profit
- $94,617
- Equity at exit
- $10,073
Cash invested: $32,620 (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
ZIP-level market 21229
- Rents YoY
- 5.4%
- Active inventory
- 252
- Price-to-rent
- 5.1×
Monthly cashflow live
- Estimated rent
- $1,886 high interval (Pro) →
- Mortgage (P&I)
- −$611
- Tax from tax record
- −$199 /mo · $2,393/yr
- Insurance
- −$49
- HOA
- −$0
- Vacancy / Maint / Mgmt
- −$396
- Net cashflow
- $631
Break-even live
Sensitivity live
| Price | -10% $697 | -5% $664 | +0% $631 | +5% $598 | +10% $565 |
|---|---|---|---|---|---|
| Rent | -10% $482 | -5% $557 | +0% $631 | +5% $706 | +10% $780 |
| Rate | -1.0pp $690 | -0.5pp $661 | base $631 | +0.5pp $601 | +1.0pp $570 |
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
- $29,125
- Closing costs
- $3,495
- Reserves months
- —
- Total cash needed
- —
Loan-product check · same deal, 3 products live
Conventional
25% down · 7.5% · 30yr
- Down + closing
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
Personal DTI + credit; lowest rate.
DSCR
20% down · 8.5% · 30yr
- Down + closing
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
No personal income docs; deal must DSCR.
Hard money
10% down · 12.0% · 12mo
- Down + closing
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
Short-term bridge; refi at stabilization.
Rent comps 40 comps
| Address | Beds | Baths | Sqft | Rent | $/sqft | DOM | Units | Dist |
|---|---|---|---|---|---|---|---|---|
| 623 N Grantley St Baltimore, MD | 4.0 | 2.0 | 1250 | $2,000 | $1.60 | 24d | 1 | 0.05mi |
| 3712 Gelston Dr Baltimore, MD | 3.0 | 2.0 | 1250 | $2,500 | $2.00 | 24d | 1 | 0.09mi |
| 730 Linnard St Unit 1 Baltimore, MD | 4.0 | 1.0 | 1360 | $1,750 | $1.29 | 24d | 1 | 0.13mi |
| 3507 Edmondson Ave Baltimore, MD | 4.0 | 2.0 | 1428 | $2,300 | $1.61 | 44d | 1 | 0.14mi |
| 3706 W Franklin St Unit 1 Baltimore, MD | 2.0 | 1.0 | 735 | $1,100 | $1.50 | 5d | 1 | 0.16mi |
| 3423 Edmondson Ave Baltimore, MD | 2.0 | 1.5 | 1400 | $1,710 | $1.22 | 44d | 1 | 0.19mi |
| 787 N Grantley St Baltimore, MD | 3.0 | 1.0 | 1116 | $1,575 | $1.41 | 24d | 1 | 0.21mi |
| 780 Linnard St Baltimore, MD | 3.0 | 2.0 | 1224 | $1,590 | $1.30 | 44d | 1 | 0.22mi |
| 798 N Grantley St Baltimore, MD | 3.0 | 2.0 | 1360 | $2,295 | $1.69 | 24d | 1 | 0.23mi |
| 709 Denison St Baltimore, MD | 2.0 | 2.0 | 840 | $1,630 | $1.94 | 24d | 1 | 0.24mi |
| 405 N Edgewood St Baltimore, MD | 4.0 | 2.0 | 1408 | $2,950 | $2.10 | 5d | 1 | 0.25mi |
| 4020 Gelston Dr Baltimore, MD | 3.0 | 2.0 | 1270 | $1,875 | $1.48 | 44d | 1 | 0.28mi |
| 3607 W Lexington St Baltimore, MD | 3.0 | 2.0 | 1050 | $1,895 | $1.80 | 5d | 1 | 0.33mi |
| 3935 Stokes Dr #1 Baltimore, MD | 2.0 | 1.0 | 1150 | $1,400 | $1.22 | 44d | 1 | 0.49mi |
| 1307 Wildwood Pkwy Baltimore, MD | 2.0 | 1.0 | 725 | $1,295 | $1.79 | 44d | 1 | 0.51mi |
| 4103 Mountwood Rd Baltimore, MD | 3.0 | 2.0 | 1030 | $1,700 | $1.65 | 44d | 1 | 0.51mi |
| 41 N Kossuth St Baltimore, MD | 3.0 | 2.0 | 1216 | $1,800 | $1.48 | 24d | 1 | 0.53mi |
| 1216 N Augusta Ave Baltimore, MD | 3.0 | 1.0 | 1024 | $1,550 | $1.51 | 24d | 1 | 0.54mi |
| 3238 Westmont Ave Baltimore, MD | 3.0 | 1.0 | 1280 | $1,600 | $1.25 | 44d | 1 | 0.56mi |
| 3015 Rayner Ave Baltimore, MD | 3.0 | 1.0 | 1152 | $1,350 | $1.17 | 44d | 1 | 0.58mi |
| 917 Kevin Rd Baltimore, MD | 3.0 | 2.0 | 1151 | $1,795 | $1.56 | 2d | 1 | 0.58mi |
| 4103 Stokes Dr Apt 1 Baltimore, MD | 2.0 | 1.0 | 725 | $1,095 | $1.51 | 44d | 1 | 0.60mi |
| 3310 Elbert St Baltimore, MD | 2.0 | 1.0 | 920 | $1,550 | $1.68 | 24d | 1 | 0.60mi |
| 1042 Ellicott Dr Baltimore, MD | 2.0 | 1.0 | 900 | $1,450 | $1.61 | 44d | 1 | 0.61mi |
| 3336 W Caton Ave Baltimore, MD | 3.0 | 2.0 | 1236 | $1,625 | $1.31 | 24d | 1 | 0.66mi |
| 3309 Brighton St Baltimore, MD | 3.0 | 1.0 | 1134 | $1,700 | $1.50 | 44d | 1 | 0.74mi |
| 2 S Woodington Rd Baltimore, MD | 2.0 | 1.0 | 856 | $1,160 | $1.36 | 15d | 1 | 0.78mi |
| 2 N Woodington Rd Baltimore, MD | 1.0–2.0 | 1.0 | 738 | $1,335 | $1.81 | 3d | 5 | 0.79mi |
| 111 Upmanor Rd Baltimore, MD | 3.0 | 1.5 | 1224 | $2,163 | $1.77 | 44d | 1 | 0.80mi |
| 4520 Scarlet Oak Ln Baltimore, MD | 2.0 | 1.0 | 1025 | $1,500 | $1.46 | 44d | 1 | 0.81mi |
| 2815 W Mulberry St Baltimore, MD | 4.0 | 2.0 | 1040 | $2,050 | $1.97 | 44d | 1 | 0.83mi |
| 4018 Massachusetts Ave Baltimore, MD | 3.0 | 1.0 | 1050 | $1,400 | $1.33 | 24d | 1 | 0.83mi |
| 3127 Baker St Baltimore, MD | 3.0 | 1.0 | 1000 | $1,300 | $1.30 | 44d | 1 | 0.85mi |
| 3003 Presstman St Unit 2 Baltimore, MD | 2.0 | 1.0 | 1450 | $1,300 | $0.90 | 24d | 1 | 0.85mi |
| 3003 Presstman St Unit 1 Baltimore, MD | 2.0 | 2.0 | 1450 | $1,400 | $0.97 | 45d | 1 | 0.85mi |
| 212 S Loudon Ave Baltimore, MD | 3.0 | 1.5 | 1310 | $1,550 | $1.18 | 44d | 1 | 0.85mi |
| 2806 Riggs Ave Baltimore, MD | 3.0 | 2.5 | 1412 | $1,900 | $1.35 | 4d | 1 | 0.85mi |
| 2744 W Mosher St Baltimore, MD | 4.0 | 2.0 | 1412 | $2,100 | $1.49 | 24d | 1 | 0.86mi |
| 3709 Nortonia Rd #2 Baltimore, MD | 2.0 | 1.0 | 1289 | $1,450 | $1.12 | 18d | 1 | 0.91mi |
| 2728 Winchester St Baltimore, MD | 3.0 | 1.5 | 1260 | $1,800 | $1.43 | 4d | 1 | 0.94mi |
Listing history 18 events
-
2026-06-01days on market $116,500 Active 351 DOM
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2026-05-31days on market $116,500 Active 350 DOM
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2025-12-02status Active 758-char remark
Show marketing remark (758 chars)
Investor alert or perfect for a savvy homeowner! This charming end-unit townhome in Edmondson Village offers excellent rental potential and long-term value. Featuring 3 spacious bedrooms, 1 full bath, a welcoming front porch, and a fully fenced yard, this property is move-in ready with a valid Baltimore City rental license already in place. Enjoy additional living space in the partially finished basement—ideal for a rec room, home office, or extra storage. With a strong rental market in the area, you can expect potential monthly income of $1,500–$1,600. Whether you’re expanding your portfolio or searching for your next personal residence, this well-maintained property delivers space, functionality, and income-generating potential.
-
2025-11-22historical 758-char remark
Show marketing remark (758 chars)
Investor alert or perfect for a savvy homeowner! This charming end-unit townhome in Edmondson Village offers excellent rental potential and long-term value. Featuring 3 spacious bedrooms, 1 full bath, a welcoming front porch, and a fully fenced yard, this property is move-in ready with a valid Baltimore City rental license already in place. Enjoy additional living space in the partially finished basement—ideal for a rec room, home office, or extra storage. With a strong rental market in the area, you can expect potential monthly income of $1,500–$1,600. Whether you’re expanding your portfolio or searching for your next personal residence, this well-maintained property delivers space, functionality, and income-generating potential.
-
2025-10-16price $116,500 758-char remark
Show marketing remark (758 chars)
Investor alert or perfect for a savvy homeowner! This charming end-unit townhome in Edmondson Village offers excellent rental potential and long-term value. Featuring 3 spacious bedrooms, 1 full bath, a welcoming front porch, and a fully fenced yard, this property is move-in ready with a valid Baltimore City rental license already in place. Enjoy additional living space in the partially finished basement—ideal for a rec room, home office, or extra storage. With a strong rental market in the area, you can expect potential monthly income of $1,500–$1,600. Whether you’re expanding your portfolio or searching for your next personal residence, this well-maintained property delivers space, functionality, and income-generating potential.
-
2025-08-19price $119,500 758-char remark
Show marketing remark (758 chars)
Investor alert or perfect for a savvy homeowner! This charming end-unit townhome in Edmondson Village offers excellent rental potential and long-term value. Featuring 3 spacious bedrooms, 1 full bath, a welcoming front porch, and a fully fenced yard, this property is move-in ready with a valid Baltimore City rental license already in place. Enjoy additional living space in the partially finished basement—ideal for a rec room, home office, or extra storage. With a strong rental market in the area, you can expect potential monthly income of $1,500–$1,600. Whether you’re expanding your portfolio or searching for your next personal residence, this well-maintained property delivers space, functionality, and income-generating potential.
-
2025-07-02price $125,000 758-char remark
Show marketing remark (758 chars)
Investor alert or perfect for a savvy homeowner! This charming end-unit townhome in Edmondson Village offers excellent rental potential and long-term value. Featuring 3 spacious bedrooms, 1 full bath, a welcoming front porch, and a fully fenced yard, this property is move-in ready with a valid Baltimore City rental license already in place. Enjoy additional living space in the partially finished basement—ideal for a rec room, home office, or extra storage. With a strong rental market in the area, you can expect potential monthly income of $1,500–$1,600. Whether you’re expanding your portfolio or searching for your next personal residence, this well-maintained property delivers space, functionality, and income-generating potential.
-
2025-06-06$132,500 Active 758-char remark
Show marketing remark (758 chars)
Investor alert or perfect for a savvy homeowner! This charming end-unit townhome in Edmondson Village offers excellent rental potential and long-term value. Featuring 3 spacious bedrooms, 1 full bath, a welcoming front porch, and a fully fenced yard, this property is move-in ready with a valid Baltimore City rental license already in place. Enjoy additional living space in the partially finished basement—ideal for a rec room, home office, or extra storage. With a strong rental market in the area, you can expect potential monthly income of $1,500–$1,600. Whether you’re expanding your portfolio or searching for your next personal residence, this well-maintained property delivers space, functionality, and income-generating potential.
-
2025-06-02historical $132,500 758-char remark
Show marketing remark (758 chars)
Investor alert or perfect for a savvy homeowner! This charming end-unit townhome in Edmondson Village offers excellent rental potential and long-term value. Featuring 3 spacious bedrooms, 1 full bath, a welcoming front porch, and a fully fenced yard, this property is move-in ready with a valid Baltimore City rental license already in place. Enjoy additional living space in the partially finished basement—ideal for a rec room, home office, or extra storage. With a strong rental market in the area, you can expect potential monthly income of $1,500–$1,600. Whether you’re expanding your portfolio or searching for your next personal residence, this well-maintained property delivers space, functionality, and income-generating potential.
-
2009-05-15soldstatus $34,800
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2009-05-08soldstatus $34,000 259-char remark
Show marketing remark (259 chars)
Edmondson Village- Best Neighborhood In City For Rentals. Priced 40 Cents On The Dollar. You Should Renovate This Property For Less Than 10k Rent Range Between $900- $1,200 Per Month. No Board Ups on Block! 3 Bedrooms, 1 Full Bath, Large Rooms, Full Basement.
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2009-05-08soldstatus $34,000 Sold
Show marketing remark (259 chars)
Edmondson Village- Best Neighborhood In City For Rentals. Priced 40 Cents On The Dollar. You Should Renovate This Property For Less Than 10k Rent Range Between $900- $1,200 Per Month. No Board Ups on Block! 3 Bedrooms, 1 Full Bath, Large Rooms, Full Basement.
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2009-04-30historical
Show marketing remark (259 chars)
Edmondson Village- Best Neighborhood In City For Rentals. Priced 40 Cents On The Dollar. You Should Renovate This Property For Less Than 10k Rent Range Between $900- $1,200 Per Month. No Board Ups on Block! 3 Bedrooms, 1 Full Bath, Large Rooms, Full Basement.
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2009-04-30historical 259-char remark
Show marketing remark (259 chars)
Edmondson Village- Best Neighborhood In City For Rentals. Priced 40 Cents On The Dollar. You Should Renovate This Property For Less Than 10k Rent Range Between $900- $1,200 Per Month. No Board Ups on Block! 3 Bedrooms, 1 Full Bath, Large Rooms, Full Basement.
-
2009-02-25$39,900
Show marketing remark (259 chars)
Edmondson Village- Best Neighborhood In City For Rentals. Priced 40 Cents On The Dollar. You Should Renovate This Property For Less Than 10k Rent Range Between $900- $1,200 Per Month. No Board Ups on Block! 3 Bedrooms, 1 Full Bath, Large Rooms, Full Basement.
-
2009-02-25$39,900 259-char remark
Show marketing remark (259 chars)
Edmondson Village- Best Neighborhood In City For Rentals. Priced 40 Cents On The Dollar. You Should Renovate This Property For Less Than 10k Rent Range Between $900- $1,200 Per Month. No Board Ups on Block! 3 Bedrooms, 1 Full Bath, Large Rooms, Full Basement.
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1993-10-22soldstatus $34,400
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1990-12-03soldstatus $39,000
ⓘ 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
- $2,393 · $199/mo
- Projected year-2 tax
- $2,393 · $199/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 7/10 Severe 7 d/yr ≥103°F today · 15 d/yr by 30 yrs out
- Wind 5/10 Major 24% chance of damaging wind over 30 yrs
- Air quality 3/10 Moderate 3 unhealthy d/yr today · 4 by 30 yrs out
Nearby sold comps map
Loading sold comps map…
Walkable amenities ~0.75 mi
Loading nearby amenities…
Taxation est. · year 1
- Rental income
- $22,637
- − Mortgage interest
- −$6,526
- − Property taxes
- −$2,393
- − Insurance
- −$582
- − Repairs & maintenance
- −$1,811
- − Management
- −$1,811
- − Depreciation
- −$3,389
- Taxable income
- $6,125
- Est. tax owed @ 24.0%
- −$1,470
- After-tax cash flow
- $6,107/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
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
- 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%
- Hispanic origin (detail)
- 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 |
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| Utilities | 1 | $25B |
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| Hotels | 1 | $24B |
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| Consumer Goods | 1 | $7B |
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| Real Estate | 1 | $6B |
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| Chemicals | 1 | $2B |
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Price history
+198.7% since first listed16 events — show timeline
- 2025-12-02 Relisted — BRIGHT MLS
- 2025-11-22 Listing Removed — BRIGHT MLS
- 2025-10-16 Price Changed $116,500 BRIGHT MLS
- 2025-08-19 Price Changed $119,500 BRIGHT MLS
- 2025-07-02 Price Changed $125,000 BRIGHT MLS
- 2025-06-06 Listed $132,500 BRIGHT MLS
- 2025-06-02 Coming Soon $132,500 BRIGHT MLS
- 2009-05-15 Sold (Public Records) $34,800 Public Records
- 2009-05-08 Sold (MLS) $34,000 MRIS
- 2009-05-08 Sold (MLS) $34,000 BRIGHT MLS
- 2009-04-30 Delisted — MRIS
- 2009-04-30 Listing Removed — BRIGHT MLS
- 2009-02-25 Listed $39,900 MRIS
- 2009-02-25 Listed $39,900 BRIGHT MLS
- 1993-10-22 Sold (Public Records) $34,400 Public Records
- 1990-12-03 Sold (Public Records) $39,000 Public Records
Property tax history
+2.4%/yrLatest (2025): $2,393 · +10.8% YoY. Source: county tax records.
Cash-flow waterfall
monthlySold comps — $/sqft
last 12 mo · ≤1 miLoading sold comps…