1134 Cleveland St · Baltimore, MD
Flood risk 8/10 · Major
- FEMA flood zone
- X (unshaded)
- Chance of flooding over 30 yrs
- 0.99%
- 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 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
- Livability +3.8/5.0
- Condition / age +2.5/5.0
- Rent growth +2.2/5.0
- Schools +1.0/10.0
- Appreciation +0.0/10.0
$128,000
🖨 Deal sheet 📄 Offer letter ✓ Due diligence
Listing remarks MLS
THIS ONE'S A BALTIMORE GEM! Beautiful Renovation in 2008. Updated Kitchen and Bathrooms. Exposed Brick Walls and Hardwood Floors. All offers subject to 3rd party/lender approval. Professionally negotiated. Buyer requested to use Sellers title attorney. COME CHECK IT OUT TODAY!
Key facts
- Built 1898
- Listed 5 days
Property features AI
Exterior
- Parking: On-street parking
- Utilities: Public water; Public sewer; Electric heating fuel; Electric cooling fuel
- Home design: Interior townhouse/rowhouse; Fee simple ownership
- Construction: Brick construction; Block foundation
- Exterior features: Rear fencing; Below-grade finished area (480 finished below-grade)
Interior
- Bedrooms: Three bedrooms on the upper level
- Bathrooms: Two full bathrooms (one on main level, one on upper level)
- Heating & cooling: Radiator heating; Electric hot water; Electric cooling (other type)
- Interior features: Open floor plan with combined living and dining area; Brick and drywall walls/ceilings
- Laundry & utility: Main-level laundry area
Neighborhood map
What this means for you Summary
Snapshot
- This is a 3-bed/2.5-bath townhouse listed at $128k.
Deal economics
- At list price, monthly cash flow is $531 ($6k/yr) — positive.
- The deal already cash-flows at list — no discount required.
- Meets the 1% rule at list price ($2k rent vs $128k).
- Cap rate 11.8% 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 soft (-1.0%/yr); 362 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals at typical pace (median 24d on market — plan ~3-4 weeks tenant-placement turnaround); solid renter incomes; 1,273 units permitted in Baltimore city in 2024 (1,104 in 5+ unit buildings).
Forward outlook
- Local home prices are declining (-3.0%/yr); year-one equity from $885 of loan paydown is wiped out by about $4k 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.
Negotiation context
- Only 5 days on market — expect competitive offers; lowballing is unlikely to land.
- 7 sale attempts since 30y 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.
Risks & watch-outs
- Watch-outs: property tax is 4.3% of price; flood insurance adds $56/mo; built in 1898 — 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.
Questions for the listing agent
- Built in 1898 — 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?
- What's the actual annual flood-insurance premium (NFIP or private), and is the property in a SFHA with mandatory coverage?
- 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
- 1.74% ✓
- Cap rate
- 11.79%
- Cash-on-cash
- 19.62%
- DSCR
- 1.87
- GRM
- 4.8
CMA / ARV
- ARV (on-the-fly)
- $248,832
- Comps found
- 12
Show comp detail 12 sales within ~0.75 mi
| Address | Dist | Beds/Ba | Sqft | Sold | Price | $/sf | Match |
|---|---|---|---|---|---|---|---|
| 1109 S Carey St | 0.23mi | 3/2.0 | 1,478 (-4%) | 2mo | $219,900 | $149 | 79 |
| 901 Washington Blvd | 0.10mi | 3/3.5 | 1,656 (+8%) | 1mo | $219,000 | $132 | 77 |
| 835 W Cross St | 0.13mi | 3/2.5 | 1,380 (-10%) | 1mo | $243,600 | $177 | 76 |
| 1241 James St | 0.21mi | 3/2.0 | 1,412 (-8%) | 1mo | $225,000 | $159 | 74 |
| 642 Portland St | 0.44mi | 3/1.0 | 1,531 (-0%) | 2mo | $135,000 | $88 | 72 |
| 1057 W Barre St | 0.31mi | 4/2.5 (+1) | 1,665 (+8%) | 0mo | $270,000 | $162 | 66 |
| 1403 S Carey St | 0.16mi | 3/3.0 | 1,757 (+14%) | 0mo | $249,900 | $142 | 66 |
| 624 Washington Blvd | 0.47mi | 3/2.0 | 1,440 (-6%) | 0mo | $269,000 | $187 | 66 |
| 817 W Cross St | 0.16mi | 3/3.5 | 1,320 (-14%) | 0mo | $260,000 | $197 | 65 |
| 823 S Sharp St | 0.75mi | 2/2.5 (-1) | 1,560 (+2%) | 1mo | $335,000 | $215 | 57 |
| 308 S Stricker St | 0.54mi | 3/1.5 | 1,680 (+9%) | 1mo | $62,740 | $37 | 55 |
| 660 Washington Blvd | 0.40mi | 4/2.0 (+1) | 1,720 (+12%) | 1mo | $365,000 | $212 | 53 |
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 · 0.0% rent growth · sell at horizon
- IRR
- 5.1%
- Equity multiple
- 1.19×
- Total profit
- $6,755
- Equity at exit
- $19,085
- IRR
- 10.8%
- Equity multiple
- 1.70×
- Total profit
- $25,110
- Equity at exit
- $11,067
Cash invested: $35,840 (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 21230
- Rents YoY
- -1.0%
- Active inventory
- 362
- Price-to-rent
- 4.8×
Monthly cashflow live
- Estimated rent
- $2,233 high interval (Pro) →
- Mortgage (P&I)
- −$671
- Tax from tax record
- −$454 /mo · $5,444/yr
- Insurance
- −$53
- Flood insurance flood zone
- −$56 /mo · $666/yr
- HOA
- −$0
- Vacancy / Maint / Mgmt
- −$469
- Net cashflow
- $531
Break-even live
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
- $32,000
- Closing costs
- $3,840
- 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 |
|---|---|---|---|---|---|---|---|---|
| 1132 Nanticoke St Baltimore, MD | 2.0 | 2.5 | 1500 | $1,875 | $1.25 | 24d | 1 | 0.05mi |
| 1205 Cleveland St Baltimore, MD | 2.0 | 2.0 | 1232 | $1,900 | $1.54 | 43d | 1 | 0.07mi |
| 1226 W Cross St Baltimore, MD | 3.0 | 3.0 | 1551 | $2,250 | $1.45 | 43d | 1 | 0.10mi |
| 1125 Washington Blvd Baltimore, MD | 4.0 | 2.5 | 1200 | $2,750 | $2.29 | 17d | 1 | 0.10mi |
| 1127 Sargeant St Baltimore, MD | 2.0 | 1.5 | 1080 | $1,275 | $1.18 | 24d | 1 | 0.14mi |
| 1243 Washington Blvd Baltimore, MD | 3.0 | 2.0 | 1148 | $1,950 | $1.70 | 43d | 1 | 0.14mi |
| 1259 Washington Blvd Baltimore, MD | 3.0 | 3.0 | 1232 | $2,999 | $2.43 | 4d | 1 | 0.16mi |
| 1142 Sargeant St Baltimore, MD | 3.0 | 2.0 | 1080 | $1,601 | $1.48 | 2d | 1 | 0.16mi |
| 508 Wyeth St Baltimore, MD | 3.0 | 3.0 | 1234 | $1,850 | $1.50 | 43d | 1 | 0.16mi |
| 1253 Sargeant St Baltimore, MD | 2.0 | 1.5 | 1200 | $1,695 | $1.41 | 24d | 1 | 0.17mi |
| 827 Washington Blvd Baltimore, MD | 3.0 | 1.0 | 1512 | $2,000 | $1.32 | 24d | 1 | 0.17mi |
| 709 Scott St Baltimore, MD | 3.0 | 3.0 | 1448 | $2,500 | $1.73 | 14d | 1 | 0.19mi |
| 709 Scott St Baltimore, MD | 3.0 | 2.5 | 1448 | $2,500 | $1.73 | 24d | 1 | 0.19mi |
| 1127 S Carey St Baltimore, MD | 3.0 | 2.5 | 1340 | $1,900 | $1.42 | 4d | 1 | 0.19mi |
| 1125 Wicomico St Baltimore, MD | 3.0 | 3.0 | 1068 | $1,955 | $1.83 | 24d | 1 | 0.19mi |
| 805 Washington Blvd Unit A Baltimore, MD | 2.0 | 2.0 | 1050 | $1,650 | $1.57 | 43d | 1 | 0.20mi |
| 805 Washington Blvd Unit B Baltimore, MD | 2.0 | 2.0 | 1106 | $1,650 | $1.49 | 20d | 1 | 0.20mi |
| 819 Ramsay St Baltimore, MD | 4.0 | 3.5 | 1856 | $3,000 | $1.62 | 12d | 1 | 0.21mi |
| 519 Scott St Unit 2 Baltimore, MD | 3.0 | 3.0 | 1600 | $3,000 | $1.88 | 43d | 1 | 0.21mi |
| 1101 S Carey St Baltimore, MD | 2.0 | 2.0 | 1400 | $1,200 | $0.86 | 21d | 1 | 0.22mi |
| 1108 Sterrett St Baltimore, MD | 2.0 | 1.0 | 1400 | $2,300 | $1.64 | 24d | 1 | 0.24mi |
| 1303 James St Baltimore, MD | 2.0 | 1.5 | 1160 | $1,350 | $1.16 | 24d | 1 | 0.24mi |
| 324 Scott St Baltimore, MD | 4.0 | 2.5 | 1656 | $3,000 | $1.81 | 43d | 1 | 0.25mi |
| 1262 Glyndon Ave Baltimore, MD | 2.0 | 3.0 | 1258 | $1,850 | $1.47 | 24d | 1 | 0.26mi |
| 1110 S Paca St Baltimore, MD | 2.0 | 3.5 | 1557 | $2,150 | $1.38 | 43d | 1 | 0.28mi |
| 912 S Paca St Baltimore, MD | 3.0 | 2.0 | 2000 | $2,250 | $1.12 | 43d | 1 | 0.30mi |
| 803 McHenry St Baltimore, MD | 4.0 | 2.5 | 1856 | $2,599 | $1.40 | 3d | 1 | 0.30mi |
| 748 McHenry St Baltimore, MD | 3.0 | 2.0 | 1288 | $2,100 | $1.63 | 4d | 1 | 0.35mi |
| 110 S Poppleton St Baltimore, MD | 3.0 | 1.5 | 1800 | $1,900 | $1.06 | 43d | 1 | 0.38mi |
| 638 S Paca St Unit 2404866494 Baltimore, MD | 3.0 | 1.5 | 1100 | $2,200 | $2.00 | 43d | 1 | 0.39mi |
| 913 W Lombard St Baltimore, MD | 3.0 | 1.0 | 1452 | $1,600 | $1.10 | 24d | 1 | 0.39mi |
| 662 Washington Blvd Baltimore, MD | 4.0 | 2.5 | 1300 | $2,700 | $2.08 | 43d | 1 | 0.43mi |
| 1111 W Lombard St Baltimore, MD | 3.0 | 1.0 | 1200 | $1,295 | $1.08 | 4d | 1 | 0.43mi |
| 1115 W Lombard St Baltimore, MD | 3.0 | 1.0 | 1468 | $2,100 | $1.43 | 43d | 1 | 0.43mi |
| 104 S Carrollton Ave Baltimore, MD | 3.0 | 4.0 | 1232 | $2,400 | $1.95 | 4d | 1 | 0.44mi |
| 656 Portland St Baltimore, MD | 2.0 | 1.5 | 1300 | $1,950 | $1.50 | 43d | 1 | 0.46mi |
| 636 Portland St Baltimore, MD | 4.0 | 2.0 | 1545 | $2,650 | $1.72 | 24d | 1 | 0.48mi |
| 1000 Hollins St Unit 1000 Hollins Baltimore, MD | 3.0 | 2.5 | 1472 | $2,600 | $1.77 | 44d | 1 | 0.49mi |
| 804 Hollins St Unit 1 Baltimore, MD | 3.0 | 2.0 | 1800 | $2,700 | $1.50 | 4d | 1 | 0.53mi |
| 1324 W Lombard St Unit 1 Baltimore, MD | 2.0 | 2.0 | 1100 | $1,500 | $1.36 | 24d | 1 | 0.54mi |
Listing history 32 events
-
2026-05-19$128,000 Active
-
2018-03-01soldstatus $4,552,396
-
2012-05-01soldstatus $50,000
-
2012-04-25soldstatus $50,000 279-char remark
Show marketing remark (279 chars)
THIS ONE'S A BALTIMORE GEM! Beautiful Renovation in 2008. Updated Kitchen and Bathrooms. Exposed Brick Walls and Hardwood Floors. All offers subject to 3rd party/lender approval. Professionally negotiated. Buyer requested to use Sellers title attorney. COME CHECK IT OUT TODAY!
-
2012-04-25soldstatus $50,000 Sold 279-char remark
Show marketing remark (279 chars)
THIS ONE'S A BALTIMORE GEM! Beautiful Renovation in 2008. Updated Kitchen and Bathrooms. Exposed Brick Walls and Hardwood Floors. All offers subject to 3rd party/lender approval. Professionally negotiated. Buyer requested to use Sellers title attorney. COME CHECK IT OUT TODAY!
-
2012-01-04status Contingent (No Kick Out) 279-char remark
Show marketing remark (279 chars)
THIS ONE'S A BALTIMORE GEM! Beautiful Renovation in 2008. Updated Kitchen and Bathrooms. Exposed Brick Walls and Hardwood Floors. All offers subject to 3rd party/lender approval. Professionally negotiated. Buyer requested to use Sellers title attorney. COME CHECK IT OUT TODAY!
-
2012-01-04historical 279-char remark
Show marketing remark (279 chars)
THIS ONE'S A BALTIMORE GEM! Beautiful Renovation in 2008. Updated Kitchen and Bathrooms. Exposed Brick Walls and Hardwood Floors. All offers subject to 3rd party/lender approval. Professionally negotiated. Buyer requested to use Sellers title attorney. COME CHECK IT OUT TODAY!
-
2012-01-03price $50,000 279-char remark
Show marketing remark (279 chars)
THIS ONE'S A BALTIMORE GEM! Beautiful Renovation in 2008. Updated Kitchen and Bathrooms. Exposed Brick Walls and Hardwood Floors. All offers subject to 3rd party/lender approval. Professionally negotiated. Buyer requested to use Sellers title attorney. COME CHECK IT OUT TODAY!
-
2012-01-02status Active 279-char remark
Show marketing remark (279 chars)
THIS ONE'S A BALTIMORE GEM! Beautiful Renovation in 2008. Updated Kitchen and Bathrooms. Exposed Brick Walls and Hardwood Floors. All offers subject to 3rd party/lender approval. Professionally negotiated. Buyer requested to use Sellers title attorney. COME CHECK IT OUT TODAY!
-
2012-01-01historical Expired 279-char remark
Show marketing remark (279 chars)
THIS ONE'S A BALTIMORE GEM! Beautiful Renovation in 2008. Updated Kitchen and Bathrooms. Exposed Brick Walls and Hardwood Floors. All offers subject to 3rd party/lender approval. Professionally negotiated. Buyer requested to use Sellers title attorney. COME CHECK IT OUT TODAY!
-
2011-12-15price $65,000 279-char remark
Show marketing remark (279 chars)
THIS ONE'S A BALTIMORE GEM! Beautiful Renovation in 2008. Updated Kitchen and Bathrooms. Exposed Brick Walls and Hardwood Floors. All offers subject to 3rd party/lender approval. Professionally negotiated. Buyer requested to use Sellers title attorney. COME CHECK IT OUT TODAY!
-
2011-11-14price $80,000 279-char remark
Show marketing remark (279 chars)
THIS ONE'S A BALTIMORE GEM! Beautiful Renovation in 2008. Updated Kitchen and Bathrooms. Exposed Brick Walls and Hardwood Floors. All offers subject to 3rd party/lender approval. Professionally negotiated. Buyer requested to use Sellers title attorney. COME CHECK IT OUT TODAY!
-
2011-10-28price $100,000 279-char remark
Show marketing remark (279 chars)
THIS ONE'S A BALTIMORE GEM! Beautiful Renovation in 2008. Updated Kitchen and Bathrooms. Exposed Brick Walls and Hardwood Floors. All offers subject to 3rd party/lender approval. Professionally negotiated. Buyer requested to use Sellers title attorney. COME CHECK IT OUT TODAY!
-
2011-10-04price $125,000 279-char remark
Show marketing remark (279 chars)
THIS ONE'S A BALTIMORE GEM! Beautiful Renovation in 2008. Updated Kitchen and Bathrooms. Exposed Brick Walls and Hardwood Floors. All offers subject to 3rd party/lender approval. Professionally negotiated. Buyer requested to use Sellers title attorney. COME CHECK IT OUT TODAY!
-
2011-08-20price $150,000 279-char remark
Show marketing remark (279 chars)
THIS ONE'S A BALTIMORE GEM! Beautiful Renovation in 2008. Updated Kitchen and Bathrooms. Exposed Brick Walls and Hardwood Floors. All offers subject to 3rd party/lender approval. Professionally negotiated. Buyer requested to use Sellers title attorney. COME CHECK IT OUT TODAY!
-
2011-07-17price $170,000 279-char remark
Show marketing remark (279 chars)
THIS ONE'S A BALTIMORE GEM! Beautiful Renovation in 2008. Updated Kitchen and Bathrooms. Exposed Brick Walls and Hardwood Floors. All offers subject to 3rd party/lender approval. Professionally negotiated. Buyer requested to use Sellers title attorney. COME CHECK IT OUT TODAY!
-
2011-07-01$190,000 Active 279-char remark
Show marketing remark (279 chars)
THIS ONE'S A BALTIMORE GEM! Beautiful Renovation in 2008. Updated Kitchen and Bathrooms. Exposed Brick Walls and Hardwood Floors. All offers subject to 3rd party/lender approval. Professionally negotiated. Buyer requested to use Sellers title attorney. COME CHECK IT OUT TODAY!
-
2011-07-01$50,000 279-char remark
Show marketing remark (279 chars)
THIS ONE'S A BALTIMORE GEM! Beautiful Renovation in 2008. Updated Kitchen and Bathrooms. Exposed Brick Walls and Hardwood Floors. All offers subject to 3rd party/lender approval. Professionally negotiated. Buyer requested to use Sellers title attorney. COME CHECK IT OUT TODAY!
-
2008-08-27soldstatus $265,000
-
2008-05-19historical
-
2008-05-08soldstatus $80,000
-
2008-02-26
-
2005-07-05soldstatus $80,000
-
2005-04-18soldstatus $51,000
-
2001-01-02soldstatus $35,900
-
2000-01-05soldstatus $10,200
-
1999-11-02historical
-
1999-10-28$11,900
-
1997-03-31soldstatus $12,000
-
1997-03-04soldstatus $12,000
-
1997-02-20historical
-
1996-07-31$19,900
ⓘ 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
- $5,444 · $454/mo
- Projected year-2 tax
- $5,444 · $454/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 8/10 Severe FEMA zone X (unshaded) · 99% 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
- $26,801
- − Mortgage interest
- −$7,170
- − Property taxes
- −$5,444
- − Insurance
- −$1,306
- − Repairs & maintenance
- −$2,144
- − Management
- −$2,144
- − Depreciation
- −$3,724
- Taxable income
- $4,868
- Est. tax owed @ 24.0%
- −$1,168
- After-tax cash flow
- $5,199/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)
- 32,977
- Household income
- $91,842
- Rent vs Own
- Severe rent burden
- 1463.0
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
- Diverse neighborhood (Simpson 0.63)
- Race & ethnicity
- White 55% Black 23% Hispanic / Latino 13% Two or more races 6% Asian 4%
- Hispanic origin (detail)
- Mexican 1% Puerto Rican 1%
- Common ancestry
- Romanian 5% Lithuanian 2% Italian 2%
- Foreign-born
- 10% · Canada, China
- Languages at home
- 85% English-only · Spanish 9% Other Indo-European 1% 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
- ▼ -311.43%
- Current HPI
- 284.338
- Rent YoY
- ▼ -1.00%
- 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
+543.2% since first listed32 events — show timeline
- 2026-05-19 Listed $128,000 BRIGHT MLS
- 2018-03-01 Sold (Public Records) $4,552,396 Public Records
- 2012-05-01 Sold (Public Records) $50,000 Public Records
- 2012-04-25 Sold (MLS) $50,000 MRIS
- 2012-04-25 Sold (MLS) $50,000 BRIGHT MLS
- 2012-01-04 Pending — MRIS
- 2012-01-04 Listing Removed — BRIGHT MLS
- 2012-01-03 Price Changed $50,000 MRIS
- 2012-01-02 Relisted — MRIS
- 2012-01-01 Delisted — MRIS
- 2011-12-15 Price Changed $65,000 MRIS
- 2011-11-14 Price Changed $80,000 MRIS
- 2011-10-28 Price Changed $100,000 MRIS
- 2011-10-04 Price Changed $125,000 MRIS
- 2011-08-20 Price Changed $150,000 MRIS
- 2011-07-17 Price Changed $170,000 MRIS
- 2011-07-01 Listed $190,000 MRIS
- 2011-07-01 Listed $50,000 BRIGHT MLS
- 2008-08-27 Sold (Public Records) $265,000 Public Records
- 2008-05-19 Delisted — MRIS
- 2008-05-08 Sold (Public Records) $80,000 Public Records
- 2008-02-26 Listed — MRIS
- 2005-07-05 Sold (Public Records) $80,000 Public Records
- 2005-04-18 Sold (Public Records) $51,000 Public Records
- 2001-01-02 Sold (Public Records) $35,900 Public Records
- 2000-01-05 Sold (MLS) $10,200 MRIS
- 1999-11-02 Delisted — MRIS
- 1999-10-28 Listed $11,900 MRIS
- 1997-03-31 Sold (Public Records) $12,000 Public Records
- 1997-03-04 Sold (MLS) $12,000 MRIS
- 1997-02-20 Delisted — MRIS
- 1996-07-31 Listed $19,900 MRIS
Property tax history
+3.7%/yrLatest (2025): $5,444 · +8.1% YoY. Source: county tax records.
Cash-flow waterfall
monthlySold comps — $/sqft
last 12 mo · ≤1 miLoading sold comps…