5717 Shaw Dr · Bartonsville, MD 21704

$449,900

4 bd · 1.0 ba · 960 sqft · SingleFamily public records · 40 Days on market

Built 1965 0.46 ac lot $469/sqft · 74% above area Est $517k · 13% under

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Why this score? — see what drove the D- 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).

• ARV discount +13.3/15.0
• Cash flow +7.8/30.0
• Schools +3.4/10.0
• Rent growth +3.1/5.0
• Livability +3.1/5.0
• Condition / age +2.5/5.0
• DSCR +1.9/10.0
• 1% rule +1.4/10.0
• Appreciation +0.0/10.0

Listing remarks

Fully renovated in 2026 with 1,920 sf of finished living space, including a walkout lower level with wet bar. Nearly half an acre in the Oakdale school district. This is not the house that was here before. The designer kitchen features quartz countertops, modern cabinetry, and finishes that feel curated, not cookie-cutter. Two bedrooms on the main level keep daily life simple, while a two-zone HVAC system lets you set each level to your own comfort. The finished walkout lower level is where this home opens up. A custom wet bar anchors the space, with a rec room, family room, and bonus room that flex to fit however you live. Walk straight outside to a private backyard with room to garden, en

Key facts

• Designer kitchen
• Quartz countertops
• Wet bar

Tags

• WALKOUT LOWER LEVEL
• WET BAR
• DESIGNER KITCHEN
• QUARTZ COUNTERTOPS
• MODERN CABINETRY
• TWO ZONE HVAC

Property features AI

Finance

• Other: Fee simple ownership; Pets allowed with no pet restrictions

Exterior

• Parking: Attached carport (2 spaces); Total of 2 garage/parking spaces
• Utilities: Water from well; Public septic; Electric service
• Home design: Detached property; Estimated year of major renovation or effective year 2026; Property in excellent condition; Outside city limits; Private road
• Construction: Frame construction; Asphalt roof; Slab foundation; Basement: full, walkout level with outside/side entrance and space for rooms
• Exterior features: Deck(s); Porch(es)

Interior

• Kitchen: Includes washer/dryer stacked (see Laundry & utility for laundry appliances)
• Bedrooms: 2 bedrooms on the main level; 2 bedrooms on the lower level
• Flooring: Hardwood flooring
• Bathrooms: 2 full bathrooms; 1 half bathroom
• Heating & cooling: Central heating (electric); Central air conditioning with zoned and multi-unit setup; Electric hot water
• Interior features: Open floor plan; Combination kitchen and dining area; Entry-level bedroom; Drywall walls and ceilings; R49 ceiling insulation
• Laundry & utility: Washer in unit; Electric dryer in unit; Washer/dryer stacked

What this means for you Summary

Snapshot

• This is a 4-bed/1.0-bath single-family listed at $450k.

Deal economics

• At list price, monthly cash flow is $-497 ($-6k/yr) — negative.
• To cash-flow at today's rent, offer at most $362k (19.5% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $286k (36.4% below list).
• Recommended offer: $286k (36.4% below list) — sets the bar for 1% rule.

Location & tenants

• Location reads 61/100 on livability (#335 in MD) — a middle-class / working-renter tenant base. Strengths: crime A+, employment A+, housing A+; Watch: amenities F, commute F, cost of living F.
• Frederick County Public Schools (other): math 27% / reading 43% proficiency, ranked #4 of 24 in MD (top 17%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Zoned schools: Oakdale Elementary (math 39% / reading 43%, grade F, #92 of 860 statewide, top 11%, 1,028 students, 16% FRL); Oakdale Middle (math 24% / reading 58%, grade F, #20 of 225 statewide, top 10%, 1,057 students, 11% FRL); Oakdale High (math 77% / reading 87%, grade A, #15 of 222 statewide, top 6%, 1,622 students, 14% FRL).
• Zoned-school proficiency averages 55% at this address vs 35% district-wide (+20 pts) — the actual schools serving this property are materially stronger than the Frederick County Public Schools average implies; a family-tenant draw the district grade alone would hide.
• Market conditions: Rents rising (+2.5%/yr); 86 active listings in the ZIP; high-income renter base; 1,562 units permitted in Frederick County in 2024 (374 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $3k of loan paydown is wiped out by about $13k of value loss. Plan a longer hold.
• Frederick County population projected at +15% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.

Negotiation context

• It's been on market 40 days — a 3% lower offer ($436k) is reasonable based on typical stale-listing flexibility.
• 3 sale attempts since 21y 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 $82k; list at $450k implies a 449% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Climate carrying-cost: extreme-heat days projected 7→16/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $286,330 (36.4% below list)

Questions for the listing agent

1. What do current leases actually rent for vs. the listed asking? Can we see a recent rent roll and the last 12 months of T-12 income?
2. It's been on market 40 days. Have you received any prior offers? Is the seller open to a 36% concession, seller financing, or rate buy-down credit?
3. Built in 1965 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
4. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
5. Schools are F-rated, which usually means shorter tenancies and higher turnover. Who's the typical renter profile here, and what's been the actual vacancy rate?
6. The area grade is low — what's the realistic commute time and amenity access for the typical tenant pool here? Any planned neighborhood developments (good or bad) we should know about?
7. 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.
8. 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.
9. 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: 0.64% ✗
• Cap rate: 4.97%
• Cash-on-cash: -4.74%
• DSCR: 0.79
• GRM: 13.1

CMA / ARV

• ARV (median comp): $516,752
• List price: $449,900
• Delta: -12.94%
• Verdict: UNDERPRICED
• Comps: 20 within 1.0 mi

Projected returns pro-forma

-3.0% appreciation · 2.48% rent growth · sell at horizon

5-year hold

• IRR: -24.9%
• Equity multiple: 0.16×
• Total profit: $-106,242
• Equity at exit: $67,082

10-year hold

• IRR: -22.3%
• Equity multiple: -0.11×
• Total profit: $-140,051
• Equity at exit: $38,899

Cash invested: $125,972 (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 21704

• Home prices YoY: -22.9%
• Rents YoY: 2.5%
• Active inventory: 86
• Price-to-rent: 13.1×

Monthly cashflow live

• Estimated rent: $2,863 medium
• Mortgage (P&I): −$2,359
• Tax from tax record: −$213 /mo · $2,551/yr
• Insurance: −$187
• HOA: −$0
• Vacancy / Maint / Mgmt: −$601
• Net cashflow: $-497

Break-even live

Break-even rent $3,493

Max offer price $362,042

Occupancy floor —

Sensitivity live

Price	-10% $-243	-5% $-370	+0% $-497	+5% $-625	+10% $-752
Rent	-10% $-724	-5% $-610	+0% $-497	+5% $-384	+10% $-271
Rate	-1.0pp $-271	-0.5pp $-383	base $-497	+0.5pp $-614	+1.0pp $-733

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: $112,475
• Closing costs: $13,497
• Reserves months: —
• Total cash needed: —

Listing history 10 events

1. 2026-05-31
   days on market $449,900 Active 40 DOM
2. 2026-04-21
   listed $449,900 Active 861-char remark
3. 2026-03-11
   historical
4. 2026-03-06
   price $495,000
5. 2026-01-17
   listed $499,900 Active
6. 2026-01-17
   historical
7. 2024-05-01
   soldstatus $82,000
8. 2006-04-20
   soldstatus $125,000
9. 2006-03-06
   historical
10. 2005-11-14
    listed

ⓘ 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: $2,551 · $213/mo
• Projected year-2 tax: $3,727 · $311/mo
• Expected delta: +$1,177/yr (+$98/mo · 46.1%)

ⓘ 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 3/10 Moderate
• 🌡 Heat 5/10 Major 7 d/yr ≥105°F today · 16 d/yr by 30 yrs out
• 💨 Wind 3/10 Moderate 7% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 1 unhealthy d/yr today · 2 by 30 yrs out

Taxation est. · year 1

• Rental income: $34,360
• − Mortgage interest: −$25,201
• − Property taxes: −$2,551
• − Insurance: −$2,250
• − Repairs & maintenance: −$2,749
• − Management: −$2,749
• − Depreciation: −$13,088
• Taxable loss: −$14,228
• Est. tax savings @ 24.0%: +$3,415
• After-tax cash flow: $-2,554/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: Frederick County Public Schools
• NCES district ID: 2400330
• Math proficiency: 27% ▼ -23.00%
• Reading proficiency: 43% ▼ -15.00%
• Median HH income: $84,020
• Composite: 33.54/100
• National rank: #5429
• State rank: #4 of 24 in MD

Livability — Bartonsville

• Score: 61/100
• State rank: #335
• US rank: #17782

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Bartonsville, MD
• County: Frederick County · 171,753 people
• Metro: Washington-Arlington-Alexandria, DC-VA-MD-WV
• Population (ZIP): 20,006
• Household income: $161,063
• Rent vs Own: 18.0% rent · 82.0% own
• Severe rent burden: 81.0

Population outlook (Frederick County) Hauer SSP2

• Today (2025): 269,438 people
• By 2030: 280,160 · +4.0%
• By 2040: 298,408 · +10.8%
• By 2050: 311,062 · +15.4%
• By 2075: 342,819 · +27.2%
• By 2100: 351,361 · +30.4%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Diverse neighborhood (Simpson 0.67)
• Race & ethnicity: White 52% Asian 17% Two or more races 14% Hispanic / Latino 13% Black 12%
• Hispanic origin (detail): Mexican 1%
• Common ancestry: Lithuanian 2% Romanian 2% Slovak 2%
• Foreign-born: 21% · Canada, China, South Korea
• Languages at home: 70% English-only · Spanish 9% Other Indo-European 6% Other Asian/Pacific 4%

Political lean MEDSL · Frederick

• 2024 margin: Lean D (+8.8) · D 53.2% · R 44.4% · Other 2.5%
• 2008→2024 swing: +9.9pp toward D · 2008: -1.0pp · 2024: 8.8pp
• All cycles: 2024: D+8.8 2020: D+9.6 2016: R+4.0 2012: R+3.9 2008: R+1.0

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -78.95%
• Current HPI: 265.6266
• Rent YoY: ▲ 2.48%
• Metro: Washington-Arlington-Alexandria, DC-VA-MD-WV
• 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

+259.9% since first listed

10 events — show timeline

• 2026-05-31 Listing Removed — BRIGHT MLS
• 2026-04-21 Listed $449,900 BRIGHT MLS
• 2026-03-11 Listing Removed — BRIGHT MLS
• 2026-03-06 Price Changed $495,000 BRIGHT MLS
• 2026-01-17 Listed $499,900 BRIGHT MLS
• 2026-01-17 Coming Soon — BRIGHT MLS
• 2024-05-01 Sold (Public Records) $82,000 Public Records
• 2006-04-20 Sold (Public Records) $125,000 Public Records
• 2006-03-06 Delisted — MRIS
• 2005-11-14 Listed — MRIS

Property tax history

+2.5%/yr

Latest (2025): $2,551 · +4.6% YoY. Source: county tax records.