517 Chateau Ave · Baltimore, MD 21212

$89,900

3 bd · 1.5 ba · 1,152 sqft · Townhouse public records · 110 Days on market

Built 1952 1,152 sqft lot $78/sqft · 43% below area Est $157k · 43% under

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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
• Rent growth +3.7/5.0
• Condition / age +2.5/5.0
• Schools +1.0/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

Finish the basement to add living space, with open floor plan, granite with covered front porch located in the Winston-Govans Area. Recently rehabbed a few years ago, tenant recently moved. Only Blocks to Loyola College of Maryland & Notre Dame Of Maryland University and Hopkins Just minutes to Roland Park, As well shops & small businesses located in Wyndhurst Station. Easy Access to Major Traffic Arteries, MD Route 45 (York Rd. ) & Charles St. also not far from The Belvedere. Property is modern and has room to expand. Property is being sold strictly as is. Make an offer seller is motivated! Property Id:1799880 All offers must be submitted by the Buyer's agent via the RES. NET Agent Portal. If your offer is accepted, you agree to be responsible for an offer submission technology fee of $225.00. The fee will be collected and disbursed by the settlement agent and disbursed at the closing and settlement of the transaction. To submit your buyer's offer, simply click the link below. If you already have a RES. NET Agent account, you will be prompted to log in. If not, you will be prompted to create an account. .

Key facts

• Built 1952
• Listed 110 days

🏷️ Possibly a rental listed for sale. The $89,900 price doesn't fit this home's estimated sale value (~$156,807) 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/1.5-bath townhouse listed at $90k.

Deal economics

• At list price, monthly cash flow is $746 ($9k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $90k).
• Recommended offer: $82k (9.0% below list) — sets the bar for market timing.
• Cap rate 16.2% 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 (+4.7%/yr); 133 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; 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 $622 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 + 4.7% rent growth), your $25k cash investment doubles in ~4 years — after that, you're playing with house money.

Negotiation context

• It's been on market 110 days — a 9% lower offer ($82k) is reasonable based on typical stale-listing flexibility.
• 12 sale attempts since 31y ago; this cycle's ask has dropped $30k (25%) from the opening price — seller is motivated, your offer sets the floor, not the list.
• Current owner paid $72k; 25% above their basis — modest negotiation headroom, anchor on the comps not their cost.

Risks & watch-outs

• Watch-outs: built in 1952 — 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 $81,809 (9.0% below list)

Questions for the listing agent

1. It's been on market 110 days. Have you received any prior offers? Is the seller open to a 9% concession, seller financing, or rate buy-down credit?
2. Built in 1952 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
4. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
5. 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?
6. 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?
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: 1.97% ✓
• Cap rate: 16.25%
• Cash-on-cash: 35.56%
• DSCR: 2.58
• GRM: 4.2

CMA / ARV

• ARV (median comp): $156,807
• List price: $89,900
• Delta: -42.67%
• 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
812 Mccabe Ave	0.26mi	3/1.0	1,080 (-6%)	2mo	$150,000	$139	74
800 Radnor Ave	0.30mi	3/1.5	1,224 (+6%)	2mo	$99,900	$82	74
355 Homeland Southway Unit 2B	0.27mi	2/1.5 (-1)	1,043 (-10%)	0mo	$205,000	$197	67
5627 Ready Ave	0.55mi	3/2.0	1,186 (+3%)	3mo	$95,400	$80	65
739 Springfield Ave	0.68mi	3/1.0	1,160 (+1%)	2mo	$125,000	$108	63
380 Homeland Southway Unit 3A	0.37mi	2/2.0 (-1)	1,066 (-8%)	3mo	$225,000	$211	60
4811 Kimberleigh Rd	0.38mi	3/1.5	1,024 (-11%)	4mo	$240,000	$234	60
365 Homeland Southway Unit 2B	0.36mi	2/2.0 (-1)	1,061 (-8%)	4mo	$240,000	$226	60
324 Woodbourne Ave	0.36mi	3/2.0	1,280 (+11%)	4mo	$286,425	$224	59
327 Homeland Southway Unit 3B	0.40mi	2/2.0 (-1)	1,055 (-8%)	5mo	$199,990	$190	56
1018 Cameron Rd	0.64mi	2/2.0 (-1)	1,032 (-10%)	1mo	$169,000	$164	45
634 Willow Ave	0.47mi	2/1.0 (-1)	986 (-14%)	4mo	$90,000	$91	43

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 · 4.65% rent growth · sell at horizon

5-year hold

• IRR: 33.1%
• Equity multiple: 2.43×
• Total profit: $35,975
• Equity at exit: $13,404

10-year hold

• IRR: 41.0%
• Equity multiple: 5.19×
• Total profit: $105,375
• Equity at exit: $7,773

Cash invested: $25,172 (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

Just-cause for tenancies > 1 yr.

Methodology + full state rankings →

ZIP-level market 21212

• Rents YoY: 4.7%
• Active inventory: 133
• Price-to-rent: 4.2×

Monthly cashflow live

• Estimated rent: $1,771 high
• Mortgage (P&I): −$471
• Tax from tax record: −$145 /mo · $1,736/yr
• Insurance: −$37
• HOA: −$0
• Vacancy / Maint / Mgmt: −$372
• Net cashflow: $746

Break-even live

Break-even rent $827

Max offer price $89,900

Occupancy floor 53%

Sensitivity live

Price	-10% $797	-5% $771	+0% $746	+5% $720	+10% $695
Rent	-10% $606	-5% $676	+0% $746	+5% $816	+10% $886
Rate	-1.0pp $791	-0.5pp $769	base $746	+0.5pp $723	+1.0pp $699

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: $22,475
• Closing costs: $2,697
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
543 Chateau Ave Baltimore, MD	3.0	2.0	1152	$1,900	$1.65	5d	1	0.07mi
5200 Ready Ave Baltimore, MD	3.0	1.5	1116	$1,950	$1.75	4d	1	0.15mi
711 1/2 McCabe Ave Baltimore, MD	4.0	3.0	1204	$2,350	$1.95	5d	1	0.16mi
416 Winston Ave Unit 426-08 Baltimore, MD	2.0	1.0	790	$1,050	$1.33	24d	1	0.16mi
416 Winston Ave Unit 426-01 Baltimore, MD	2.0	1.0	890	$1,250	$1.40	44d	1	0.16mi
5307 York Rd Baltimore, MD	2.0	1.0	1120	$1,200	$1.07	44d	1	0.23mi
5001 Midwood Ave Apt 2A Baltimore, MD	2.0	1.0	750	$1,265	$1.69	44d	1	0.36mi
531 Willow Ave Unit Na Baltimore, MD	4.0	1.0	1300	$1,800	$1.38	21d	1	0.44mi
835 E Cold Spring Ln Baltimore, MD	2.0	1.5	997	$1,400	$1.40	24d	1	0.47mi
4407 Old York Rd Baltimore, MD	3.0	1.5	1356	$1,574	$1.16	21d	1	0.50mi
4407 Old York Rd Baltimore, MD	3.0	1.5	1356	$1,574	$1.16	44d	1	0.50mi
1224 Winston Ave Baltimore, MD	3.0	2.0	1248	$2,100	$1.68	18d	1	0.61mi
1006 Cameron Rd Baltimore, MD	2.0	1.0	1032	$950	$0.92	44d	1	0.62mi
818 Bradhurst Rd Baltimore, MD	2.0	1.0	1216	$1,350	$1.11	4d	1	0.62mi
818 Bradhurst Rd Baltimore, MD	2.0	1.0	1216	$1,250	$1.03	44d	1	0.62mi
1221 Glenwood Ave Baltimore, MD	3.0	2.0	1390	$2,595	$1.87	44d	1	0.62mi
1260 Rossiter Ave Baltimore, MD	2.0	1.0	710	$1,250	$1.76	2d	37	0.64mi
1275 Kitmore Rd Unit 1259K-T Baltimore, MD	2.0	1.0	811	$1,535	$1.89	5d	1	0.65mi
1275 Kitmore Rd Unit 1245K-T Baltimore, MD	3.0	1.0	935	$1,895	$2.03	5d	1	0.65mi
1275 Kitmore Rd Unit 1248B-A Baltimore, MD	2.0	1.0	812	$1,360	$1.67	5d	1	0.65mi
1275 Kitmore Rd Unit 1221B-T Baltimore, MD	2.0	1.0	811	$1,560	$1.92	24d	1	0.65mi
1275 Kitmore Rd Baltimore, MD	2.0	1.0	827	$1,525	$1.84	44d	1	0.65mi
1275 Kitmore Rd Unit 1267K-T Baltimore, MD	2.0	1.0	827	$1,585	$1.92	44d	1	0.65mi
1275 Kitmore Rd Unit 1215B-T Baltimore, MD	2.0	1.0	811	$1,435	$1.77	5d	1	0.65mi
1275 Kitmore Rd Unit 1276B-A Baltimore, MD	2.0	1.0	812	$1,360	$1.67	44d	1	0.65mi
1275 Kitmore Rd Unit 1263K-T Baltimore, MD	2.0	1.0	811	$1,485	$1.83	5d	1	0.65mi
1275 Kitmore Rd Unit 1260K-T Baltimore, MD	2.0	1.0	811	$1,410	$1.74	5d	1	0.65mi
1275 Kitmore Rd Unit 1262B-A Baltimore, MD	2.0	1.0	923	$1,320	$1.43	2d	1	0.65mi
5618 Midwood Ave Unit 1 Baltimore, MD	2.0	1.0	800	$1,250	$1.56	24d	1	0.65mi
5622 Midwood Ave Baltimore, MD	3.0	2.0	1452	$2,300	$1.58	44d	1	0.66mi
5626 Midwood Ave Unit 2 Baltimore, MD	2.0	1.0	1452	$1,100	$0.76	24d	1	0.67mi
720 Springfield Ave Baltimore, MD	3.0	1.0	1160	$2,000	$1.72	44d	1	0.68mi
815 Gilrubin Ct Baltimore, MD	2.0	1.0	900	$1,695	$1.88	44d	1	0.72mi
812 Nat Ct Apt 12 Baltimore, MD	2.0	1.0	900	$1,295	$1.44	44d	1	0.73mi
1090 Cameron Rd Baltimore, MD	2.0	1.0	832	$1,675	$2.01	4d	1	0.74mi
956 Argonne Dr Baltimore, MD	1.0–2.0	1.0	662	$1,295	$1.95	5d	6	0.87mi
917 Reverdy Rd Unit A Baltimore, MD	3.0	1.0	1200	$2,100	$1.75	44d	1	0.90mi
5307 Leith Rd Baltimore, MD	2.0	1.0	630	$1,350	$2.14	13d	1	1.00mi
1545 E Cold Spring Ln Baltimore, MD	4.0	2.0	1240	$2,000	$1.61	44d	1	1.09mi
1020 Dartmouth Glen Way Baltimore, MD	3.0	2.5	1152	$2,250	$1.95	24d	1	1.11mi

Listing history 46 events

1. 2026-06-18
   days on market $89,900 Active 110 DOM
2. 2026-06-17
   days on market $89,900 Active 109 DOM
3. 2026-06-16
   days on market $89,900 Active 108 DOM
4. 2026-06-15
   days on market $89,900 Active 107 DOM
5. 2026-06-13
   days on market $89,900 Active 105 DOM
6. 2026-06-09
   days on market $89,900 Active 101 DOM
7. 2026-06-08
   days on market $89,900 Active 100 DOM
8. 2026-06-07
   days on market $89,900 Active 99 DOM
9. 2026-06-04
   days on market $89,900 Active 96 DOM
10. 2026-06-03
    days on market $89,900 Active 95 DOM
11. 2026-06-02
    days on market $89,900 Active 94 DOM
12. 2026-06-01
    days on market $89,900 Active 93 DOM
13. 2026-05-31
    days on market $89,900 Active 92 DOM
14. 2026-05-13
    status Active 1143-char remark

    Show marketing remark (1143 chars)

    Finish the basement to add living space, with open floor plan, granite with covered front porch located in the Winston-Govans Area. Recently rehabbed a few years ago, tenant recently moved. Only Blocks to Loyola College of Maryland & Notre Dame Of Maryland University and Hopkins Just minutes to Roland Park, As well shops & small businesses located in Wyndhurst Station. Easy Access to Major Traffic Arteries, MD Route 45 (York Rd. ) & Charles St. also not far from The Belvedere. Property is modern and has room to expand. Property is being sold strictly as is. Make an offer seller is motivated! Property Id:1799880 All offers must be submitted by the Buyer's agent via the RES. NET Agent Portal. If your offer is accepted, you agree to be responsible for an offer submission technology fee of $225.00. The fee will be collected and disbursed by the settlement agent and disbursed at the closing and settlement of the transaction. To submit your buyer's offer, simply click the link below. If you already have a RES. NET Agent account, you will be prompted to log in. If not, you will be prompted to create an account. .

15. 2026-05-07
    historical 1143-char remark

    Show marketing remark (1143 chars)

    Finish the basement to add living space, with open floor plan, granite with covered front porch located in the Winston-Govans Area. Recently rehabbed a few years ago, tenant recently moved. Only Blocks to Loyola College of Maryland & Notre Dame Of Maryland University and Hopkins Just minutes to Roland Park, As well shops & small businesses located in Wyndhurst Station. Easy Access to Major Traffic Arteries, MD Route 45 (York Rd. ) & Charles St. also not far from The Belvedere. Property is modern and has room to expand. Property is being sold strictly as is. Make an offer seller is motivated! Property Id:1799880 All offers must be submitted by the Buyer's agent via the RES. NET Agent Portal. If your offer is accepted, you agree to be responsible for an offer submission technology fee of $225.00. The fee will be collected and disbursed by the settlement agent and disbursed at the closing and settlement of the transaction. To submit your buyer's offer, simply click the link below. If you already have a RES. NET Agent account, you will be prompted to log in. If not, you will be prompted to create an account. .

16. 2026-04-24
    price $94,900 1143-char remark

    Show marketing remark (1143 chars)

    Finish the basement to add living space, with open floor plan, granite with covered front porch located in the Winston-Govans Area. Recently rehabbed a few years ago, tenant recently moved. Only Blocks to Loyola College of Maryland & Notre Dame Of Maryland University and Hopkins Just minutes to Roland Park, As well shops & small businesses located in Wyndhurst Station. Easy Access to Major Traffic Arteries, MD Route 45 (York Rd. ) & Charles St. also not far from The Belvedere. Property is modern and has room to expand. Property is being sold strictly as is. Make an offer seller is motivated! Property Id:1799880 All offers must be submitted by the Buyer's agent via the RES. NET Agent Portal. If your offer is accepted, you agree to be responsible for an offer submission technology fee of $225.00. The fee will be collected and disbursed by the settlement agent and disbursed at the closing and settlement of the transaction. To submit your buyer's offer, simply click the link below. If you already have a RES. NET Agent account, you will be prompted to log in. If not, you will be prompted to create an account. .

17. 2026-03-04
    price $104,900 1143-char remark

    Show marketing remark (1143 chars)

    Finish the basement to add living space, with open floor plan, granite with covered front porch located in the Winston-Govans Area. Recently rehabbed a few years ago, tenant recently moved. Only Blocks to Loyola College of Maryland & Notre Dame Of Maryland University and Hopkins Just minutes to Roland Park, As well shops & small businesses located in Wyndhurst Station. Easy Access to Major Traffic Arteries, MD Route 45 (York Rd. ) & Charles St. also not far from The Belvedere. Property is modern and has room to expand. Property is being sold strictly as is. Make an offer seller is motivated! Property Id:1799880 All offers must be submitted by the Buyer's agent via the RES. NET Agent Portal. If your offer is accepted, you agree to be responsible for an offer submission technology fee of $225.00. The fee will be collected and disbursed by the settlement agent and disbursed at the closing and settlement of the transaction. To submit your buyer's offer, simply click the link below. If you already have a RES. NET Agent account, you will be prompted to log in. If not, you will be prompted to create an account. .

18. 2026-02-22
    status Active 1143-char remark

    Show marketing remark (1143 chars)

    Finish the basement to add living space, with open floor plan, granite with covered front porch located in the Winston-Govans Area. Recently rehabbed a few years ago, tenant recently moved. Only Blocks to Loyola College of Maryland & Notre Dame Of Maryland University and Hopkins Just minutes to Roland Park, As well shops & small businesses located in Wyndhurst Station. Easy Access to Major Traffic Arteries, MD Route 45 (York Rd. ) & Charles St. also not far from The Belvedere. Property is modern and has room to expand. Property is being sold strictly as is. Make an offer seller is motivated! Property Id:1799880 All offers must be submitted by the Buyer's agent via the RES. NET Agent Portal. If your offer is accepted, you agree to be responsible for an offer submission technology fee of $225.00. The fee will be collected and disbursed by the settlement agent and disbursed at the closing and settlement of the transaction. To submit your buyer's offer, simply click the link below. If you already have a RES. NET Agent account, you will be prompted to log in. If not, you will be prompted to create an account. .

19. 2026-01-28
    listed $119,900 1143-char remark

    Show marketing remark (1143 chars)

    Finish the basement to add living space, with open floor plan, granite with covered front porch located in the Winston-Govans Area. Recently rehabbed a few years ago, tenant recently moved. Only Blocks to Loyola College of Maryland & Notre Dame Of Maryland University and Hopkins Just minutes to Roland Park, As well shops & small businesses located in Wyndhurst Station. Easy Access to Major Traffic Arteries, MD Route 45 (York Rd. ) & Charles St. also not far from The Belvedere. Property is modern and has room to expand. Property is being sold strictly as is. Make an offer seller is motivated! Property Id:1799880 All offers must be submitted by the Buyer's agent via the RES. NET Agent Portal. If your offer is accepted, you agree to be responsible for an offer submission technology fee of $225.00. The fee will be collected and disbursed by the settlement agent and disbursed at the closing and settlement of the transaction. To submit your buyer's offer, simply click the link below. If you already have a RES. NET Agent account, you will be prompted to log in. If not, you will be prompted to create an account. .

20. 2026-01-28
    historical 1143-char remark

    Show marketing remark (1143 chars)

    Finish the basement to add living space, with open floor plan, granite with covered front porch located in the Winston-Govans Area. Recently rehabbed a few years ago, tenant recently moved. Only Blocks to Loyola College of Maryland & Notre Dame Of Maryland University and Hopkins Just minutes to Roland Park, As well shops & small businesses located in Wyndhurst Station. Easy Access to Major Traffic Arteries, MD Route 45 (York Rd. ) & Charles St. also not far from The Belvedere. Property is modern and has room to expand. Property is being sold strictly as is. Make an offer seller is motivated! Property Id:1799880 All offers must be submitted by the Buyer's agent via the RES. NET Agent Portal. If your offer is accepted, you agree to be responsible for an offer submission technology fee of $225.00. The fee will be collected and disbursed by the settlement agent and disbursed at the closing and settlement of the transaction. To submit your buyer's offer, simply click the link below. If you already have a RES. NET Agent account, you will be prompted to log in. If not, you will be prompted to create an account. .

21. 2025-12-31
    historical
22. 2025-11-05
    price $119,900
23. 2025-09-17
    listed $129,900 Active
24. 2024-10-31
    historical
25. 2024-10-30
    listed $110,000 Active
26. 2022-02-02
    soldstatus $72,050
27. 2021-05-27
    soldstatus $72,050 Closed
28. 2021-04-21
    status Pending
29. 2021-02-10
    status Active
30. 2020-11-11
    status Pending
31. 2020-08-24
    listed $45,000 Active
32. 2019-07-25
    soldstatus $73,500
33. 2019-07-15
    soldstatus $73,500 Closed
34. 2019-05-24
    status Pending
35. 2019-04-26
    status Active
36. 2019-04-09
    historical
37. 2019-02-12
    listed $30,000 Active
38. 2013-12-02
    soldstatus $110,000
39. 2000-07-12
    soldstatus $45,000
40. 1999-07-21
    historical
41. 1998-12-02
    listed
42. 1998-01-24
    historical
43. 1996-11-01
    listed
44. 1996-06-11
    historical
45. 1995-07-12
    listed
46. 1989-05-15
    soldstatus $17,250

ⓘ 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: $1,736 · $145/mo
• Projected year-2 tax: $1,736 · $145/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 4/10 Moderate 3 unhealthy d/yr today · 6 by 30 yrs out

Taxation est. · year 1

• Rental income: $21,258
• − Mortgage interest: −$5,036
• − Property taxes: −$1,736
• − Insurance: −$450
• − Repairs & maintenance: −$1,701
• − Management: −$1,701
• − Depreciation: −$2,615
• Taxable income: $8,020
• Est. tax owed @ 24.0%: −$1,925
• After-tax cash flow: $7,026/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

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

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): 33,974
• Household income: $96,685
• Rent vs Own: 31.2% rent · 68.8% own
• Severe rent burden: 769.0

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 0.64)
• Race & ethnicity: White 49% Black 35% Two or more races 9% Hispanic / Latino 7% Asian 4%
• Hispanic origin (detail): Mexican 1% Puerto Rican 1%
• Common ancestry: Romanian 3% Italian 2% Slovak 2%
• Foreign-born: 9% · Canada, China
• Languages at home: 87% English-only · Spanish 5% Other Indo-European 2% French/Haitian/Cajun 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: ▼ -392.44%
• Current HPI: 267.4569
• Rent YoY: ▲ 4.65%
• 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

+450.1% since first listed

33 events — show timeline

• 2026-05-13 Relisted — BRIGHT MLS
• 2026-05-07 Listing Removed — BRIGHT MLS
• 2026-04-24 Price Changed $94,900 BRIGHT MLS
• 2026-03-04 Price Changed $104,900 BRIGHT MLS
• 2026-02-22 Relisted — BRIGHT MLS
• 2026-01-28 Listing Removed — BRIGHT MLS
• 2026-01-28 Listed $119,900 BRIGHT MLS
• 2025-12-31 Listing Removed — BRIGHT MLS
• 2025-11-05 Price Changed $119,900 BRIGHT MLS
• 2025-09-17 Listed $129,900 BRIGHT MLS
• 2024-10-31 Listing Removed — BRIGHT MLS
• 2024-10-30 Listed $110,000 BRIGHT MLS
• 2022-02-02 Sold (Public Records) $72,050 Public Records
• 2021-05-27 Sold (MLS) $72,050 BRIGHT MLS
• 2021-04-21 Pending — BRIGHT MLS
• 2021-02-10 Relisted — BRIGHT MLS
• 2020-11-11 Pending — BRIGHT MLS
• 2020-08-24 Listed $45,000 BRIGHT MLS
• 2019-07-25 Sold (Public Records) $73,500 Public Records
• 2019-07-15 Sold (MLS) $73,500 BRIGHT MLS
• 2019-05-24 Pending — BRIGHT MLS
• 2019-04-26 Relisted — BRIGHT MLS
• 2019-04-09 Listing Removed — BRIGHT MLS
• 2019-02-12 Listed $30,000 BRIGHT MLS
• 2013-12-02 Sold (Public Records) $110,000 Public Records
• 2000-07-12 Sold (Public Records) $45,000 Public Records
• 1999-07-21 Delisted — MRIS
• 1998-12-02 Listed — MRIS
• 1998-01-24 Delisted — MRIS
• 1996-11-01 Listed — MRIS
• 1996-06-11 Delisted — MRIS
• 1995-07-12 Listed — MRIS
• 1989-05-15 Sold (Public Records) $17,250 Public Records

Property tax history

-3.2%/yr

Latest (2025): $1,736 · -44.0% YoY. Source: county tax records.