1314 Rosewick Ave · Rosedale, MD 21237

$245,000

3 bd · 2.5 ba · 1,752 sqft · SingleFamily public records · 1 Days on market

Built 1943 8,178 sqft lot Est $361k · 32% under

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Why this score? — see what drove the C 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 +17.2/30.0
• ARV discount +15.0/15.0
• DSCR +5.4/10.0
• 1% rule +5.1/10.0
• Livability +4.0/5.0
• Rent growth +3.7/5.0
• Condition / age +2.5/5.0
• Schools +2.3/10.0
• Appreciation +0.0/10.0

Listing remarks

nvestor Special – Opportunity Awaits! Welcome to 1314 Rosewick, a 3-bedroom, 2 full-bath property offering excellent investment potential. Currently tenant-occupied, this home presents a great opportunity for investors seeking immediate rental income or those looking to renovate and maximize resale value. Whether you're planning to hold as a rental property or renovate and resell, this property is priced to sell and offers tremendous upside potential. Conveniently located and featuring a desirable layout, this is an opportunity you won't want to miss. Add this one to your portfolio today—schedule your showing before it's gone!

Key facts

• 8,178 sq ft lot
• 2 parking spots
• Built 1943

Property features AI

Finance

• Financial info: Owned with ground rent (semi-annual payment); Ground rent payment amount applies

Exterior

• Parking: Off-street parking; Detached carport with 2 spaces; Two total garage/parking spaces
• Utilities: Public water; Public sewer; Electric cooling; Natural gas for heat and hot water
• Home design: Detached property; Architectural shingle roof; Vinyl siding
• Construction: Built or effectively remodeled in 2013; Block foundation
• Exterior features: Property includes both above-grade and below-grade finished areas; Total below-grade finished and unfinished areas present

Interior

• Kitchen: Dishwasher; Electric oven/range; Refrigerator
• Bedrooms: Two main-level bedrooms; One upper-level bedroom
• Flooring: Wood floors
• Bathrooms: Two full bathrooms (one on main level, one on upper level); One half bathroom on lower level
• Heating & cooling: Forced air heating; Central air conditioning; Natural gas heating and hot water
• Interior features: Dining area; Open floor plan; Upgraded countertops; Master bath(s); Drywall walls and ceilings
• Laundry & utility: Washer/dryer hookups only

🏷️ Possibly a rental listed for sale. The $245,000 price doesn't fit this home's estimated sale value (~$360,912) and the remarks read like a rental — treat the cards below with caution.

What this means for you Summary

Snapshot

• This is a 3-bed/2.5-bath single-family listed at $245k.

Deal economics

• At list price, monthly cash flow is $177 ($2k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $245k).
• Cap rate 7.2% vs local median 4.9% in Rosedale — 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 81/100 on livability (#37 in MD, #1,338 nationally) — a professional / high-income tenant draw. Strengths: commute A+, housing A+, health & safety A+; Watch: crime F.
• Baltimore County Public Schools (suburban): math 15% / reading 34% proficiency, ranked #11 of 24 in MD (top 46%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover.
• Market conditions: Rents rising fast (+5.0%/yr); 101 active listings in the ZIP; 12 comparable units currently listed for rent nearby; rentals lingering (median 45d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 67% of comp listings sitting > 30 days — soft ceiling on asking rent; solid renter incomes; 1,511 units permitted in Baltimore County in 2024 (643 in 5+ unit buildings).
• This rent runs 32% of the median local income ($92k/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 $2k of loan paydown is wiped out by about $7k of value loss. Plan a longer hold.
• Baltimore County population projected at +12% by 2050 — modest demand growth; plan on rents tracking national, not racing it.

Negotiation context

• Only 1 days on market — expect competitive offers; lowballing is unlikely to land.
• 5 sale attempts since 14y 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 $77k; list at $245k implies a 218% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: built in 1943 — 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.

Recommended offer $245,000

Questions for the listing agent

1. Built in 1943 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
2. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
3. 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?
4. 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.
5. 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.
6. 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: 1.01% ✓
• Cap rate: 7.16%
• Cash-on-cash: 3.09%
• DSCR: 1.14
• GRM: 8.3

CMA / ARV

• ARV (on-the-fly): $360,912
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
7932 Philadelphia Rd	0.09mi	4/2.5 (+1)	1,740 (-1%)	2mo	$360,000	$207	88
7927 Underhill Rd	0.21mi	4/3.0 (+1)	1,745 (-0%)	10mo	$335,000	$192	74
8007 Sagramore Rd	0.38mi	4/1.5 (+1)	1,692 (-3%)	2mo	$370,000	$219	66
8100 Old Philadelphia Rd	0.34mi	4/2.5 (+1)	1,868 (+7%)	6mo	$325,000	$174	63
8020 Neighbors Ave	0.55mi	4/2.5 (+1)	1,759 (+0%)	8mo	$360,000	$205	62
8029 Neighbors Ave	0.55mi	4/2.0 (+1)	1,692 (-3%)	1mo	$339,000	$200	60
1111 Chesaco	0.43mi	3/2.0	1,938 (+11%)	2mo	$400,000	$206	58
8022 Neighbors Ave	0.56mi	3/2.5	1,576 (-10%)	6mo	$365,000	$232	52
8004 Sagramore Rd	0.40mi	3/2.0	2,004 (+14%)	6mo	$350,000	$175	50
7512 Brightside Ave	0.54mi	4/2.0 (+1)	1,859 (+6%)	13mo	$362,000	$195	47
7403 South Rd	0.66mi	4/2.0 (+1)	1,632 (-7%)	7mo	$370,000	$227	45
8004 Neighbors Ave	0.51mi	4/1.5 (+1)	1,507 (-14%)	13mo	$320,000	$212	33

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 · 4.97% rent growth · sell at horizon

5-year hold

• IRR: -9.1%
• Equity multiple: 0.66×
• Total profit: $-23,364
• Equity at exit: $36,530

10-year hold

• IRR: 2.9%
• Equity multiple: 1.23×
• Total profit: $15,851
• Equity at exit: $21,183

Cash invested: $68,600 (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 21237

• Rents YoY: 5.0%
• Active inventory: 101
• Price-to-rent: 8.3×

Monthly cashflow live

• Estimated rent: $2,472 high
• Mortgage (P&I): −$1,285
• Tax from tax record: −$390 /mo · $4,676/yr
• Insurance: −$102
• HOA: −$0
• Vacancy / Maint / Mgmt: −$519
• Net cashflow: $177

Break-even live

Break-even rent $2,249

Max offer price $245,000

Occupancy floor 88%

Sensitivity live

Price	-10% $315	-5% $246	+0% $177	+5% $107	+10% $38
Rent	-10% $-19	-5% $79	+0% $177	+5% $274	+10% $372
Rate	-1.0pp $300	-0.5pp $239	base $177	+0.5pp $113	+1.0pp $49

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: $61,250
• Closing costs: $7,350
• Reserves months: —
• Total cash needed: —

Rent comps 12 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
8006 Woodhaven Ct Rosedale, MD	4.0	3.0	1680	$3,200	$1.90	24d	1	0.21mi
1732 Chesaco Ave Rosedale, MD	3.0	1.0	1260	$2,295	$1.82	44d	1	0.54mi
8212 Dorset Ave Rosedale, MD	4.0	1.5	1479	$2,250	$1.52	44d	1	0.61mi
8133 Bartholomew Ct Baltimore, MD	3.0	2.5	1600	$2,700	$1.69	24d	1	0.84mi
5248 Darien Rd Baltimore, MD	3.0	1.0	1584	$2,100	$1.33	44d	1	0.97mi
4704 Denview Way Baltimore, MD	4.0	3.5	2513	$3,500	$1.39	44d	1	1.08mi
5611 Force Rd Baltimore, MD	3.0	1.5	1296	$1,850	$1.43	44d	1	1.08mi
4905 Greencrest Rd Baltimore, MD	3.0	1.5	1536	$1,950	$1.27	44d	1	1.14mi
5313 Todd Ave Baltimore, MD	3.0	1.5	1280	$1,800	$1.41	17d	1	1.28mi
5307 Valiquet Ave Unit A Baltimore, MD	2.0	1.0	1672	$1,375	$0.82	44d	1	1.35mi
340 Potomac Ave Rosedale, MD	2.0	2.5	1500	$1,995	$1.33	44d	1	1.37mi
32 Tameron Pl Rosedale, MD	3.0	2.5	1720	$2,300	$1.34	2d	1	1.42mi

Listing history 2 events

1. 2026-06-17
   remarks 634-char remark
2. 2026-06-17
   listed $245,000 Active 1 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: $4,676 · $390/mo
• Projected year-2 tax: $4,676 · $390/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 6/10 Major 27% chance of damaging wind over 30 yrs
• 🫁 Air quality 5/10 Major 6 unhealthy d/yr today · 8 by 30 yrs out

Taxation est. · year 1

• Rental income: $29,669
• − Mortgage interest: −$13,724
• − Property taxes: −$4,676
• − Insurance: −$1,225
• − Repairs & maintenance: −$2,374
• − Management: −$2,374
• − Depreciation: −$7,127
• Taxable loss: −$1,830
• Est. tax savings @ 24.0%: +$439
• After-tax cash flow: $2,559/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 County Public Schools
• NCES district ID: 2400120
• Math proficiency: 15% ▼ -16.00%
• Reading proficiency: 34% ▼ -5.00%
• Median HH income: $66,746
• Composite: 23.17/100
• National rank: #7948
• State rank: #11 of 24 in MD

Livability — Rosedale

• Score: 81/100
• State rank: #37
• US rank: #1338

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Rosedale, MD
• County: Baltimore County · 769,527 people
• City population: 30,851
• Metro: Baltimore-Columbia-Towson, MD
• Population (ZIP): 31,425
• Household income: $91,693
• Rent vs Own: 37.9% rent · 62.1% own
• Severe rent burden: 887.0

Population outlook (Baltimore County) Hauer SSP2

• Today (2025): 885,518 people
• By 2030: 909,272 · +2.7%
• By 2040: 951,547 · +7.5%
• By 2050: 990,955 · +11.9%
• By 2075: 1,086,411 · +22.7%
• By 2100: 1,135,078 · +28.2%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Diverse neighborhood (Simpson 0.66)
• Race & ethnicity: White 42% Black 38% Hispanic / Latino 9% Asian 7% Two or more races 5%
• Hispanic origin (detail): Mexican 1% Puerto Rican 2% Cuban 1%
• Common ancestry: Romanian 5% Lithuanian 1% Slovak 1%
• Foreign-born: 17% · Canada, India, South Korea
• Languages at home: 78% English-only · Spanish 7% Other Indo-European 4% Tagalog/Filipino 2%

Political lean MEDSL · Baltimore

• 2024 margin: Strong D (+24.5) · D 61.0% · R 36.5% · Other 2.5%
• 2008→2024 swing: +9.9pp toward D · 2008: 14.6pp · 2024: 24.5pp
• All cycles: 2024: D+24.5 2020: D+27.0 2016: D+17.4 2012: D+16.4 2008: D+14.6

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -151.40%
• Current HPI: 242.8057
• Rent YoY: ▲ 4.97%
• 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

+191.7% since first listed

21 events — show timeline

• 2026-06-17 Listed $245,000 BRIGHT MLS
• 2013-11-25 Delisted — MRIS
• 2013-11-25 Listing Removed — BRIGHT MLS
• 2013-11-15 Pending — MRIS
• 2013-10-28 Price Changed — MRIS
• 2013-10-15 Price Changed — MRIS
• 2013-09-12 Price Changed — MRIS
• 2013-09-05 Price Changed — MRIS
• 2013-08-27 Price Changed — MRIS
• 2013-08-22 Listed — MRIS
• 2013-08-22 Listed $164,999 BRIGHT MLS
• 2013-01-02 Sold (Public Records) $77,150 Public Records
• 2012-12-15 Delisted — MRIS
• 2012-12-14 Sold (MLS) $77,150 BRIGHT MLS
• 2012-12-14 Sold (MLS) $77,150 MRIS
• 2012-10-20 Pending — MRIS
• 2012-10-19 Listing Removed — BRIGHT MLS
• 2012-09-24 Listed $68,000 MRIS
• 2012-09-24 Listed $68,000 BRIGHT MLS
• 1996-05-14 Sold (Public Records) $100,643 Public Records
• 1988-03-22 Sold (Public Records) $84,000 Public Records

Property tax history

+4.6%/yr

Latest (2025): $4,676 · +1.0% YoY. Source: county tax records.