3220 Cliftmont 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 8/10 · Major
- Hot days now (above 103°F)
- 7 days/yr
- Hot days in 30 yrs
- 15 days/yr
Wind risk 6/10 · Moderate
- Chance of severe wind over 30 yrs
- 27.0%
Air-quality risk 4/10 · Minor
- Unhealthy air days now
- 6 days/yr
- Unhealthy air days in 30 yrs
- 7 days/yr
Risk factors via First Street. Map © Google.
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 +4.7/10.0
- Rent growth +3.8/5.0
- Livability +3.8/5.0
- Condition / age +2.5/5.0
- Schools +1.0/10.0
$90,000
🖨 Deal sheet (PDF) 📄 Offer letter ✓ Due diligence
Listing remarks MLS
FULLY APPROVED SHORT SALE AT $28K!!! Can close as soon as title is ready. Vacant, show any time. Investors dream, just needs minor cosmetic touch ups. Section 18 and 21 of sales contract must be stricken. $495 negotiation fee to be paid by buyer. ACT FAST WON'T LAST!!!
Key facts
- Built 1939
- Listed 6 days
Property features AI
Exterior
- Parking: On-street parking
- Utilities: Public water; Public sewer; Natural gas
- Home design: Interior townhouse/rowhouse; Fee simple ownership
- Construction: Brick construction; Block foundation; Built-up roof; Built in (year per assessor)
- Exterior features: No tidal water
Interior
- Bedrooms: Three bedrooms on the first upper level
- Bathrooms: One full bathroom
- Heating & cooling: Radiator heating; Natural gas hot water
- Interior features: Unfinished basement; Living area per assessor
Neighborhood map
What this means for you Summary
Snapshot
- This is a 3-bed/1.0-bath townhouse listed at $90k.
Deal economics
- At list price, monthly cash flow is $659 ($8k/yr) — positive.
- The deal already cash-flows at list — no discount required.
- Meets the 1% rule at list price ($2k rent vs $90k).
- Cap rate 15.1% 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 (+5.2%/yr); 319 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); 40% 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 41% of the median local income ($51k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.
Forward outlook
- In year one you build about $111 of equity ($622 loan paydown + $-511 appreciation (-0.6% local appreciation)).
- Baltimore County population projected to shrink 4% by 2050 — rents likely to lag national; underwrite the cash flow, not the appreciation.
- At projected returns (-0.6% appreciation + 5.2% rent growth), your $25k cash investment doubles in ~3 years — after that, you're playing with house money.
Negotiation context
- Only 6 days on market — expect competitive offers; lowballing is unlikely to land.
- 6 sale attempts since 24y 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 $28k; list at $90k implies a 221% gain — meaningful room to come down on a strong offer.
Risks & watch-outs
- Watch-outs: property tax is 3.0% of price; built in 1939 — expect roof / HVAC / electrical / plumbing capex.
- Climate carrying-cost: 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.
Questions for the listing agent
- Built in 1939 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
- Property tax is high relative to price — has the assessment been appealed recently, and will the sale trigger a re-assessment?
- 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
- 1.96% ✓
- Cap rate
- 15.08%
- Cash-on-cash
- 31.40%
- DSCR
- 2.40
- GRM
- 4.2
CMA / ARV
- ARV (median comp)
- $127,334
- List price
- $90,000
- Delta
- -29.32%
- 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 |
|---|---|---|---|---|---|---|---|
| 3238 Ravenwood Ave | 0.33mi | 3/1.5 | 1,158 (+2%) | 0mo | $70,000 | $60 | 80 |
| 3236 Lyndale Ave | 0.28mi | 3/1.0 | 1,080 (-5%) | 2mo | $161,855 | $150 | 77 |
| 3555 Elmora Ave | 0.28mi | 4/2.0 (+1) | 1,178 (+3%) | 1mo | $254,000 | $216 | 72 |
| 3805 Elmora Ave | 0.48mi | 3/2.0 | 1,096 (-4%) | 1mo | $11,700 | $11 | 66 |
| 3131 Chesterfield Ave | 0.41mi | 2/1.0 (-1) | 1,068 (-6%) | 1mo | $75,000 | $70 | 65 |
| 3532 Cliftmont Ave | 0.46mi | 3/2.0 | 1,200 (+5%) | 2mo | $168,000 | $140 | 64 |
| 4117 Eastmont Ave | 0.59mi | 3/2.0 | 1,176 (+3%) | 1mo | $224,900 | $191 | 62 |
| 3838 Lyndale Ave | 0.48mi | 2/2.0 (-1) | 1,190 (+4%) | 2mo | $113,500 | $95 | 60 |
| 4000 Balfern Ave | 0.74mi | 3/1.5 | 1,120 (-2%) | 1mo | $157,000 | $140 | 59 |
| 3802 Lyndale Ave | 0.43mi | 2/1.5 (-1) | 1,050 (-8%) | 1mo | $160,000 | $152 | 59 |
| 4102 Dudley Ave | 0.75mi | 3/1.5 | 1,120 (-2%) | 2mo | $165,000 | $147 | 59 |
| 2821 Erdman Ave | 0.32mi | 2/2.0 (-1) | 1,260 (+10%) | 0mo | $75,000 | $60 | 58 |
Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.
Projected returns pro-forma
-0.57% appreciation · 5.25% rent growth · sell at horizon
- IRR
- 33.4%
- Equity multiple
- 2.63×
- Total profit
- $41,169
- Equity at exit
- $23,606
- IRR
- 38.8%
- Equity multiple
- 5.65×
- Total profit
- $117,075
- Equity at exit
- $26,430
Cash invested: $25,200 (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 21213
- Home prices YoY
- -0.1%
- Rents YoY
- 5.2%
- Active inventory
- 319
- Price-to-rent
- 4.2×
Monthly cashflow live
- Estimated rent
- $1,767 high interval (Pro) →
- Mortgage (P&I)
- −$472
- Tax from tax record
- −$227 /mo · $2,722/yr
- Insurance
- −$38
- HOA
- −$0
- Vacancy / Maint / Mgmt
- −$371
- Net cashflow
- $659
Break-even live
Sensitivity live
| Price | -10% $710 | -5% $685 | +0% $659 | +5% $634 | +10% $608 |
|---|---|---|---|---|---|
| Rent | -10% $520 | -5% $590 | +0% $659 | +5% $729 | +10% $799 |
| Rate | -1.0pp $705 | -0.5pp $682 | base $659 | +0.5pp $636 | +1.0pp $612 |
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
- $22,500
- Closing costs
- $2,700
- 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 |
|---|---|---|---|---|---|---|---|---|
| 3512 Elmora Ave Baltimore, MD | 3.0 | 1.5 | 1472 | $1,900 | $1.29 | 21d | 1 | 0.22mi |
| 3335 Lyndale Ave Baltimore, MD | 2.0 | 2.0 | 1344 | $1,600 | $1.19 | 24d | 1 | 0.25mi |
| 3610 Elmley Ave Baltimore, MD | 2.0 | 1.5 | 1200 | $1,550 | $1.29 | 21d | 1 | 0.25mi |
| 3317 Lyndale Ave Baltimore, MD | 3.0 | 1.0 | 900 | $1,300 | $1.44 | 44d | 1 | 0.27mi |
| 3315 Lyndale Ave Baltimore, MD | 2.0 | 1.5 | 896 | $1,650 | $1.84 | 18d | 1 | 0.27mi |
| 3326 Elmora Ave Baltimore, MD | 3.0 | 1.0 | 1200 | $1,450 | $1.21 | 24d | 1 | 0.27mi |
| 3339 Elmora Ave Baltimore, MD | 3.0 | 2.0 | 896 | $1,600 | $1.79 | 44d | 1 | 0.27mi |
| 3222 Lyndale Ave Unit 1 Baltimore, MD | 3.0 | 1.5 | 1500 | $2,200 | $1.47 | 13d | 1 | 0.30mi |
| 3322 Ravenwood Ave Baltimore, MD | 3.0 | 2.0 | 932 | $1,800 | $1.93 | 24d | 1 | 0.31mi |
| 3343 Ravenwood Ave Unit 3343 Baltimore, MD | 2.0 | 2.0 | 948 | $1,855 | $1.96 | 18d | 1 | 0.31mi |
| 3218 Lyndale Ave Baltimore, MD | 3.0 | 1.5 | 1020 | $1,500 | $1.47 | 24d | 1 | 0.31mi |
| 3213 Elmley Ave Baltimore, MD | 2.0 | 1.0 | 1188 | $1,395 | $1.17 | 44d | 1 | 0.31mi |
| 3221 Lyndale Ave Baltimore, MD | 2.0 | 2.0 | 1020 | $1,700 | $1.67 | 24d | 1 | 0.31mi |
| 2828 Lake Ave Baltimore, MD | 3.0 | 2.0 | 1164 | $1,850 | $1.59 | 5d | 1 | 0.33mi |
| 3646 Lyndale Ave Baltimore, MD | 2.0 | 1.5 | 840 | $1,475 | $1.76 | 44d | 1 | 0.33mi |
| 3436 Cardenas Ave Baltimore, MD | 2.0 | 1.0 | 1146 | $1,395 | $1.22 | 44d | 1 | 0.36mi |
| 3902 Erdman Ave Unit 1 Baltimore, MD | 2.0 | 1.0 | 1000 | $1,275 | $1.27 | 24d | 1 | 0.39mi |
| 2113 Belair Rd Baltimore, MD | 3.0 | 1.0 | 1344 | $1,795 | $1.34 | 44d | 1 | 0.40mi |
| 3914 Erdman Ave #1 Baltimore, MD | 3.0 | 1.0 | 1200 | $1,319 | $1.10 | 18d | 1 | 0.40mi |
| 2837 Pelham Ave Baltimore, MD | 4.0 | 2.0 | 1164 | $1,675 | $1.44 | 44d | 1 | 0.42mi |
| 2848 Pelham Ave Baltimore, MD | 3.0 | 2.0 | 1164 | $1,700 | $1.46 | 44d | 1 | 0.43mi |
| 2817 Pelham Ave Baltimore, MD | 3.0 | 2.0 | 1464 | $1,950 | $1.33 | 24d | 1 | 0.44mi |
| 3515 Parklawn Ave Baltimore, MD | 3.0 | 2.0 | 1240 | $1,700 | $1.37 | 3d | 1 | 0.45mi |
| 3028 Kenyon Ave Baltimore, MD | 2.0 | 2.0 | 1075 | $1,395 | $1.30 | 44d | 1 | 0.47mi |
| 3544 Chesterfield Ave Baltimore, MD | 3.0 | 1.5 | 1200 | $1,635 | $1.36 | 44d | 1 | 0.50mi |
| 3305 Dudley Ave Baltimore, MD | 3.0 | 2.0 | 1413 | $1,950 | $1.38 | 44d | 1 | 0.51mi |
| 3566 Dudley Ave Baltimore, MD | 2.0 | 1.0 | 896 | $1,800 | $2.01 | 24d | 1 | 0.62mi |
| 3551 Shannon Dr Baltimore, MD | 3.0 | 2.0 | 1485 | $2,358 | $1.59 | 24d | 1 | 0.65mi |
| 3573 Shannon Dr Baltimore, MD | 4.0 | 2.0 | 1493 | $2,300 | $1.54 | 18d | 1 | 0.65mi |
| 4320 Sheldon Ave Baltimore, MD | 3.0 | 1.5 | 1280 | $1,800 | $1.41 | 24d | 1 | 0.80mi |
| 4116 Raymonn Ave Baltimore, MD | 3.0 | 1.5 | 1244 | $1,950 | $1.57 | 44d | 1 | 0.85mi |
| 4022 Ardley Ave Baltimore, MD | 2.0 | 1.0 | 896 | $1,750 | $1.95 | 44d | 1 | 0.85mi |
| 4300 Orchard Ridge Blvd Baltimore, MD | 1.0–3.0 | 1.0–2.0 | 1021 | $1,809 | $1.77 | 44d | 1 | 0.85mi |
| 2311 E Lafayette Ave Baltimore, MD | 3.0 | 1.0 | 1000 | $1,400 | $1.40 | 44d | 1 | 0.85mi |
| 4024 Eierman Ave Baltimore, MD | 3.0 | 2.0 | 1136 | $1,825 | $1.61 | 44d | 1 | 0.86mi |
| 1310 N Ellwood Ave Baltimore, MD | 2.0 | 1.0 | 1000 | $1,450 | $1.45 | 13d | 1 | 0.86mi |
| 1310 N Ellwood Ave #1 Baltimore, MD | 2.0 | 1.0 | 1000 | $1,550 | $1.55 | 22d | 1 | 0.86mi |
| 4400 Asbury Ave Baltimore, MD | 3.0 | 2.0 | 1270 | $1,995 | $1.57 | 5d | 1 | 0.87mi |
| 1323 N Kenwood Ave Unit 1 Baltimore, MD | 2.0 | 1.5 | 1060 | $1,350 | $1.27 | 24d | 1 | 0.89mi |
| 2410 E Federal St Baltimore, MD | 4.0 | 2.0 | 720 | $2,200 | $3.06 | 24d | 1 | 0.90mi |
Listing history 24 events
-
2026-05-07status Pending 554-char remark
-
2026-05-05historical 554-char remark
-
2026-04-29$90,000 Active 554-char remark
-
2011-06-13historical 269-char remark
Show marketing remark (269 chars)
FULLY APPROVED SHORT SALE AT $28K!!! Can close as soon as title is ready. Vacant, show any time. Investors dream, just needs minor cosmetic touch ups. Section 18 and 21 of sales contract must be stricken. $495 negotiation fee to be paid by buyer. ACT FAST WON'T LAST!!!
-
2011-06-03soldstatus $28,000 269-char remark
Show marketing remark (269 chars)
FULLY APPROVED SHORT SALE AT $28K!!! Can close as soon as title is ready. Vacant, show any time. Investors dream, just needs minor cosmetic touch ups. Section 18 and 21 of sales contract must be stricken. $495 negotiation fee to be paid by buyer. ACT FAST WON'T LAST!!!
-
2011-06-03soldstatus $28,000 Sold
Show marketing remark (269 chars)
FULLY APPROVED SHORT SALE AT $28K!!! Can close as soon as title is ready. Vacant, show any time. Investors dream, just needs minor cosmetic touch ups. Section 18 and 21 of sales contract must be stricken. $495 negotiation fee to be paid by buyer. ACT FAST WON'T LAST!!!
-
2011-05-18historical Contingent (Kick Out)
Show marketing remark (269 chars)
FULLY APPROVED SHORT SALE AT $28K!!! Can close as soon as title is ready. Vacant, show any time. Investors dream, just needs minor cosmetic touch ups. Section 18 and 21 of sales contract must be stricken. $495 negotiation fee to be paid by buyer. ACT FAST WON'T LAST!!!
-
2011-04-29price $28,000 Active
Show marketing remark (269 chars)
FULLY APPROVED SHORT SALE AT $28K!!! Can close as soon as title is ready. Vacant, show any time. Investors dream, just needs minor cosmetic touch ups. Section 18 and 21 of sales contract must be stricken. $495 negotiation fee to be paid by buyer. ACT FAST WON'T LAST!!!
-
2011-04-29status Active
Show marketing remark (269 chars)
FULLY APPROVED SHORT SALE AT $28K!!! Can close as soon as title is ready. Vacant, show any time. Investors dream, just needs minor cosmetic touch ups. Section 18 and 21 of sales contract must be stricken. $495 negotiation fee to be paid by buyer. ACT FAST WON'T LAST!!!
-
2010-08-05price $25,000
Show marketing remark (269 chars)
FULLY APPROVED SHORT SALE AT $28K!!! Can close as soon as title is ready. Vacant, show any time. Investors dream, just needs minor cosmetic touch ups. Section 18 and 21 of sales contract must be stricken. $495 negotiation fee to be paid by buyer. ACT FAST WON'T LAST!!!
-
2010-07-30price $35,000 Contract
Show marketing remark (269 chars)
FULLY APPROVED SHORT SALE AT $28K!!! Can close as soon as title is ready. Vacant, show any time. Investors dream, just needs minor cosmetic touch ups. Section 18 and 21 of sales contract must be stricken. $495 negotiation fee to be paid by buyer. ACT FAST WON'T LAST!!!
-
2010-07-30status Contract
Show marketing remark (269 chars)
FULLY APPROVED SHORT SALE AT $28K!!! Can close as soon as title is ready. Vacant, show any time. Investors dream, just needs minor cosmetic touch ups. Section 18 and 21 of sales contract must be stricken. $495 negotiation fee to be paid by buyer. ACT FAST WON'T LAST!!!
-
2010-07-12status Active
Show marketing remark (269 chars)
FULLY APPROVED SHORT SALE AT $28K!!! Can close as soon as title is ready. Vacant, show any time. Investors dream, just needs minor cosmetic touch ups. Section 18 and 21 of sales contract must be stricken. $495 negotiation fee to be paid by buyer. ACT FAST WON'T LAST!!!
-
2010-04-20historical Contingent (Kick Out)
Show marketing remark (269 chars)
FULLY APPROVED SHORT SALE AT $28K!!! Can close as soon as title is ready. Vacant, show any time. Investors dream, just needs minor cosmetic touch ups. Section 18 and 21 of sales contract must be stricken. $495 negotiation fee to be paid by buyer. ACT FAST WON'T LAST!!!
-
2010-01-08price $45,000
Show marketing remark (269 chars)
FULLY APPROVED SHORT SALE AT $28K!!! Can close as soon as title is ready. Vacant, show any time. Investors dream, just needs minor cosmetic touch ups. Section 18 and 21 of sales contract must be stricken. $495 negotiation fee to be paid by buyer. ACT FAST WON'T LAST!!!
-
2009-12-03price $59,900
Show marketing remark (269 chars)
FULLY APPROVED SHORT SALE AT $28K!!! Can close as soon as title is ready. Vacant, show any time. Investors dream, just needs minor cosmetic touch ups. Section 18 and 21 of sales contract must be stricken. $495 negotiation fee to be paid by buyer. ACT FAST WON'T LAST!!!
-
2009-12-02$29,900 Active
Show marketing remark (269 chars)
FULLY APPROVED SHORT SALE AT $28K!!! Can close as soon as title is ready. Vacant, show any time. Investors dream, just needs minor cosmetic touch ups. Section 18 and 21 of sales contract must be stricken. $495 negotiation fee to be paid by buyer. ACT FAST WON'T LAST!!!
-
2009-12-02$28,000 269-char remark
Show marketing remark (269 chars)
FULLY APPROVED SHORT SALE AT $28K!!! Can close as soon as title is ready. Vacant, show any time. Investors dream, just needs minor cosmetic touch ups. Section 18 and 21 of sales contract must be stricken. $495 negotiation fee to be paid by buyer. ACT FAST WON'T LAST!!!
-
2007-04-18soldstatus $130,900
-
2004-06-30soldstatus $60,000
-
2002-12-20soldstatus $25,000
-
2002-11-12historical
-
2002-10-31$24,900
-
1993-05-19soldstatus $47,000
ⓘ 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
- $2,722 · $227/mo
- Projected year-2 tax
- $2,722 · $227/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 ≥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
Nearby sold comps map
Loading sold comps map…
Walkable amenities ~0.75 mi
Loading nearby amenities…
Taxation est. · year 1
- Rental income
- $21,199
- − Mortgage interest
- −$5,041
- − Property taxes
- −$2,722
- − Insurance
- −$450
- − Repairs & maintenance
- −$1,696
- − Management
- −$1,696
- − Depreciation
- −$2,618
- Taxable income
- $6,976
- Est. tax owed @ 24.0%
- −$1,674
- After-tax cash flow
- $6,237/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)
- 28,058
- Household income
- $51,344
- Rent vs Own
- Severe rent burden
- 1868.0
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 (86%)
- Race & ethnicity
- Black 86% White 6% Hispanic / Latino 4% Two or more races 3%
- Foreign-born
- 3% · Canada
- Languages at home
- 96% English-only · Spanish 3%
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
- ▼ -0.57%
- Current HPI
- 427.4453
- Rent YoY
- ▲ 5.25%
- 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
+91.5% since first listed24 events — show timeline
- 2026-05-07 Pending — BRIGHT MLS
- 2026-05-05 Listing Removed — BRIGHT MLS
- 2026-04-29 Listed $90,000 BRIGHT MLS
- 2011-06-13 Listing Removed — BRIGHT MLS
- 2011-06-03 Sold (MLS) $28,000 MRIS
- 2011-06-03 Sold (MLS) $28,000 BRIGHT MLS
- 2011-05-18 Contingent — MRIS
- 2011-04-29 Relisted — MRIS
- 2011-04-29 Price Changed $28,000 MRIS
- 2010-08-05 Price Changed $25,000 MRIS
- 2010-07-30 Pending — MRIS
- 2010-07-30 Price Changed $35,000 MRIS
- 2010-07-12 Relisted — MRIS
- 2010-04-20 Contingent — MRIS
- 2010-01-08 Price Changed $45,000 MRIS
- 2009-12-03 Price Changed $59,900 MRIS
- 2009-12-02 Listed $29,900 MRIS
- 2009-12-02 Listed $28,000 BRIGHT MLS
- 2007-04-18 Sold (Public Records) $130,900 Public Records
- 2004-06-30 Sold (Public Records) $60,000 Public Records
- 2002-12-20 Sold (MLS) $25,000 MRIS
- 2002-11-12 Delisted — MRIS
- 2002-10-31 Listed $24,900 MRIS
- 1993-05-19 Sold (Public Records) $47,000 Public Records
Property tax history
+0.7%/yrLatest (2025): $2,722 · +4.4% YoY. Source: county tax records.
Cash-flow waterfall
monthlySold comps — $/sqft
last 12 mo · ≤1 miLoading sold comps…