6735 Oak Ave · Dundalk, MD 21222

$259,900

4 bd · 2.0 ba · 1,749 sqft · SingleFamily public records · 5 Days on market

Built 1953 6,417 sqft lot $149/sqft · 5% below area Est $303k · 14% 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 +17.1/30.0
• ARV discount +13.9/15.0
• DSCR +5.3/10.0
• Livability +4.2/5.0
• 1% rule +4.1/10.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Schools +2.3/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

Nestled in the charming Colgate Park neighborhood near the beauty of Cimaglia Park, this delightful extended Cape Cod home offers a perfect blend of comfort and functionality. With nearly 2500 square feet, the interior features a warm ambiance enhanced by beautiful wood floors, chair railings, and elegant wainscotting. This spacious home features a thoughtfully designed layout with 2 entry-level bedrooms, providing easy access and comfort, as gleaming hardwoods grace the main level. Step upstairs to 2 large bedrooms with gabled niches, one with double closets, floored in hardwood, and a large full bath. Natural light pours in through large windows, creating a bright and inviting atmosphere throughout. The partially finished basement offers additional space for a large family room, or other ideas such as a playroom, gym, or home office. Step outside to discover a welcoming landscaped lot featuring a beautifully maintained level yard perfect for outdoor activities. The rear yard provides a serene space with pergola and patio hardscape for entertaining, relaxation or gardening, with a convenient shed for outdoor tools or lawn equipment. The driveway accommodates up to three vehicles, ensuring ample parking for guests. This home is not just a place to live; it's located in a community that thrives on connection and convenience. Enjoy nearby Heritage Park with holiday celebrations, and Cimaglia Park where you can take leisurely strolls or just enjoy nature's beauty! This home is more than just a property; it's a place where you can truly feel at home. With easy access to 95, 695, its inviting features and vibrant community are ready to welcome you into a lifestyle where your vision for this home’s potential is realized, and lasting memories are created! Don't miss the chance to make this charming residence your own! * * Note: Ramp in front of home can be removed at Buyer's request. * *

Key facts

• 6,417 sq ft lot
• 3 parking spots
• Built 1953

What this means for you Summary

Snapshot

• This is a 4-bed/2.0-bath single-family listed at $260k.

Deal economics

• At list price, monthly cash flow is $183 ($2k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $235k (9.4% below list).
• Recommended offer: $235k (9.4% below list) — sets the bar for 1% rule.

Location & tenants

• Location reads 85/100 on livability (#16 in MD, #510 nationally) — a professional / high-income tenant draw. Strengths: amenities A+, commute A+, housing 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 soft (-0.1%/yr); 237 active listings in the ZIP; 16 comparable units currently listed for rent nearby; rentals lingering (median 45d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 50% of comp listings sitting > 30 days — soft ceiling on asking rent; 1,511 units permitted in Baltimore County in 2024 (643 in 5+ unit buildings).
• This rent runs 44% of the median local income ($64k/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 $8k 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 5 days on market — expect competitive offers; lowballing is unlikely to land.

Risks & watch-outs

• Watch-outs: built in 1953 — 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 $235,396 (9.4% below list)

Questions for the listing agent

1. Built in 1953 — 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. Schools are A-rated — typically a magnet for longer-tenancy family renters. What's the average tenant stay here, and is there a school-zone premium baked into asking?
4. 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?
5. 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.
6. 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.
7. 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: 0.91% ✗
• Cap rate: 7.14%
• Cash-on-cash: 3.02%
• DSCR: 1.13
• GRM: 9.2

CMA / ARV

• ARV (median comp): $303,162
• List price: $259,900
• Delta: -14.27%
• Verdict: UNDERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 10 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
214 Maple Ave	0.12mi	4/2.0	1,492 (-15%)	9mo	$100,000	$67	63
1918 Maxwell Ave	0.30mi	5/2.5 (+1)	1,859 (+6%)	12mo	$350,000	$188	59
50 Broadship Rd	0.21mi	3/2.0 (-1)	1,578 (-10%)	14mo	$298,000	$189	58
1814 Tyler Rd	0.50mi	3/2.5 (-1)	1,712 (-2%)	11mo	$335,000	$196	57
6526 Colgate Ave	0.30mi	4/3.0	1,625 (-7%)	16mo	$325,000	$200	57
13 Yorkway	0.14mi	3/2.0 (-1)	1,569 (-10%)	20mo	$299,000	$191	54
1902 Queensway	0.26mi	3/1.5 (-1)	1,514 (-13%)	11mo	$290,000	$192	49
1904 Harrison Rd	0.41mi	4/2.0	1,949 (+11%)	16mo	$295,000	$151	48
1802 Portship Rd	0.58mi	3/1.0 (-1)	1,944 (+11%)	2mo	$300,000	$154	44
1912 Crafton Ave	0.67mi	3/2.0 (-1)	1,924 (+10%)	23mo	$375,000	$195	28

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

5-year hold

• IRR: -14.8%
• Equity multiple: 0.49×
• Total profit: $-37,399
• Equity at exit: $38,752

10-year hold

• IRR: -11.7%
• Equity multiple: 0.39×
• Total profit: $-44,376
• Equity at exit: $22,471

Cash invested: $72,772 (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 21222

• Rents YoY: -0.1%
• Active inventory: 237
• Price-to-rent: 9.2×

Monthly cashflow live

• Estimated rent: $2,354 high
• Mortgage (P&I): −$1,363
• Tax from tax record: −$205 /mo · $2,465/yr
• Insurance: −$108
• HOA: −$0
• Vacancy / Maint / Mgmt: −$494
• Net cashflow: $183

Break-even live

Break-even rent $2,122

Max offer price $259,900

Occupancy floor 87%

Sensitivity live

Price	-10% $330	-5% $257	+0% $183	+5% $109	+10% $36
Rent	-10% $-3	-5% $90	+0% $183	+5% $276	+10% $369
Rate	-1.0pp $314	-0.5pp $249	base $183	+0.5pp $116	+1.0pp $47

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: $64,975
• Closing costs: $7,797
• Reserves months: —
• Total cash needed: —

Rent comps 16 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
266 Saint Helena Ave Dundalk, MD	3.0	1.0	1305	$1,900	$1.46	13d	1	0.34mi
105 Williams Ave Dundalk, MD	5.0	2.0	2035	$2,950	$1.45	6d	1	0.37mi
12 Leeway Dundalk, MD	3.0	1.0	1358	$1,750	$1.29	44d	1	0.47mi
7109 Foundry St Dundalk, MD	4.0	4.5	2080	$3,200	$1.54	44d	1	0.48mi
6537 Baltimore Ave Baltimore, MD	3.0	1.0	1272	$1,700	$1.34	3d	1	0.49mi
2624 Liberty Pkwy Dundalk, MD	3.0	1.5	1110	$1,856	$1.67	44d	1	0.56mi
78 N Dundalk Ave Dundalk, MD	4.0	2.0	1545	$2,200	$1.42	25d	1	0.65mi
6600 Marne Ave Baltimore, MD	5.0	2.0	1215	$2,750	$2.26	3d	1	0.86mi
1533 Leslie Rd Dundalk, MD	4.0	1.0	1270	$2,000	$1.57	44d	1	0.87mi
2959 Liberty Pkwy Dundalk, MD	3.0	2.0	1479	$2,150	$1.45	44d	1	0.90mi
3231 Dundalk Ave Dundalk, MD	3.0	2.0	1630	$2,000	$1.23	6d	1	0.98mi
1917 Searles Rd Dundalk, MD	3.0	1.5	1955	$1,679	$0.86	44d	1	1.13mi
1915 Merritt Blvd Dundalk, MD	3.0	2.0	1208	$2,500	$2.07	44d	1	1.14mi
638 Villager Cir Dundalk, MD	3.0	3.5	1572	$2,450	$1.56	18d	1	1.24mi
6710 Hudson St Baltimore, MD	4.0	4.0	1156	$3,500	$3.03	25d	1	1.36mi
3413 Yardley Dr Dundalk, MD	4.0	2.0	1185	$2,400	$2.03	44d	1	1.36mi

Listing history 3 events

1. 2026-05-05
   status Pending 1925-char remark

   Show marketing remark (1925 chars)

   Nestled in the charming Colgate Park neighborhood near the beauty of Cimaglia Park, this delightful extended Cape Cod home offers a perfect blend of comfort and functionality. With nearly 2500 square feet, the interior features a warm ambiance enhanced by beautiful wood floors, chair railings, and elegant wainscotting. This spacious home features a thoughtfully designed layout with 2 entry-level bedrooms, providing easy access and comfort, as gleaming hardwoods grace the main level. Step upstairs to 2 large bedrooms with gabled niches, one with double closets, floored in hardwood, and a large full bath. Natural light pours in through large windows, creating a bright and inviting atmosphere throughout. The partially finished basement offers additional space for a large family room, or other ideas such as a playroom, gym, or home office. Step outside to discover a welcoming landscaped lot featuring a beautifully maintained level yard perfect for outdoor activities. The rear yard provides a serene space with pergola and patio hardscape for entertaining, relaxation or gardening, with a convenient shed for outdoor tools or lawn equipment. The driveway accommodates up to three vehicles, ensuring ample parking for guests. This home is not just a place to live; it's located in a community that thrives on connection and convenience. Enjoy nearby Heritage Park with holiday celebrations, and Cimaglia Park where you can take leisurely strolls or just enjoy nature's beauty! This home is more than just a property; it's a place where you can truly feel at home. With easy access to 95, 695, its inviting features and vibrant community are ready to welcome you into a lifestyle where your vision for this home’s potential is realized, and lasting memories are created! Don't miss the chance to make this charming residence your own! * * Note: Ramp in front of home can be removed at Buyer's request. * *

2. 2026-05-01
   listed $259,900 Active 1925-char remark

   Show marketing remark (1925 chars)

   Nestled in the charming Colgate Park neighborhood near the beauty of Cimaglia Park, this delightful extended Cape Cod home offers a perfect blend of comfort and functionality. With nearly 2500 square feet, the interior features a warm ambiance enhanced by beautiful wood floors, chair railings, and elegant wainscotting. This spacious home features a thoughtfully designed layout with 2 entry-level bedrooms, providing easy access and comfort, as gleaming hardwoods grace the main level. Step upstairs to 2 large bedrooms with gabled niches, one with double closets, floored in hardwood, and a large full bath. Natural light pours in through large windows, creating a bright and inviting atmosphere throughout. The partially finished basement offers additional space for a large family room, or other ideas such as a playroom, gym, or home office. Step outside to discover a welcoming landscaped lot featuring a beautifully maintained level yard perfect for outdoor activities. The rear yard provides a serene space with pergola and patio hardscape for entertaining, relaxation or gardening, with a convenient shed for outdoor tools or lawn equipment. The driveway accommodates up to three vehicles, ensuring ample parking for guests. This home is not just a place to live; it's located in a community that thrives on connection and convenience. Enjoy nearby Heritage Park with holiday celebrations, and Cimaglia Park where you can take leisurely strolls or just enjoy nature's beauty! This home is more than just a property; it's a place where you can truly feel at home. With easy access to 95, 695, its inviting features and vibrant community are ready to welcome you into a lifestyle where your vision for this home’s potential is realized, and lasting memories are created! Don't miss the chance to make this charming residence your own! * * Note: Ramp in front of home can be removed at Buyer's request. * *

3. 2026-04-09
   historical $259,900 1925-char remark

   Show marketing remark (1925 chars)

   Nestled in the charming Colgate Park neighborhood near the beauty of Cimaglia Park, this delightful extended Cape Cod home offers a perfect blend of comfort and functionality. With nearly 2500 square feet, the interior features a warm ambiance enhanced by beautiful wood floors, chair railings, and elegant wainscotting. This spacious home features a thoughtfully designed layout with 2 entry-level bedrooms, providing easy access and comfort, as gleaming hardwoods grace the main level. Step upstairs to 2 large bedrooms with gabled niches, one with double closets, floored in hardwood, and a large full bath. Natural light pours in through large windows, creating a bright and inviting atmosphere throughout. The partially finished basement offers additional space for a large family room, or other ideas such as a playroom, gym, or home office. Step outside to discover a welcoming landscaped lot featuring a beautifully maintained level yard perfect for outdoor activities. The rear yard provides a serene space with pergola and patio hardscape for entertaining, relaxation or gardening, with a convenient shed for outdoor tools or lawn equipment. The driveway accommodates up to three vehicles, ensuring ample parking for guests. This home is not just a place to live; it's located in a community that thrives on connection and convenience. Enjoy nearby Heritage Park with holiday celebrations, and Cimaglia Park where you can take leisurely strolls or just enjoy nature's beauty! This home is more than just a property; it's a place where you can truly feel at home. With easy access to 95, 695, its inviting features and vibrant community are ready to welcome you into a lifestyle where your vision for this home’s potential is realized, and lasting memories are created! Don't miss the chance to make this charming residence your own! * * Note: Ramp in front of home can be removed at Buyer's request. * *

ⓘ 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: $2,465 · $205/mo
• Projected year-2 tax: $2,649 · $221/mo
• Expected delta: +$184/yr (+$15/mo · 7.5%)

ⓘ 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 ≥104°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: $28,248
• − Mortgage interest: −$14,558
• − Property taxes: −$2,465
• − Insurance: −$1,300
• − Repairs & maintenance: −$2,260
• − Management: −$2,260
• − Depreciation: −$7,561
• Taxable loss: −$2,156
• Est. tax savings @ 24.0%: +$517
• After-tax cash flow: $2,713/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 — Dundalk

• Score: 85/100
• State rank: #16
• US rank: #510

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Dundalk, MD
• County: Baltimore County · 769,527 people
• City population: 59,407
• Metro: Baltimore-Columbia-Towson, MD
• Population (ZIP): 59,407
• Household income: $64,141
• Rent vs Own: 35.1% rent · 64.9% own
• Severe rent burden: 2566.0

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 0.60)
• Race & ethnicity: White 59% Black 18% Hispanic / Latino 15% Two or more races 7% Asian 2% Native American 1%
• Hispanic origin (detail): Mexican 3% Puerto Rican 2%
• Common ancestry: Romanian 7% Lithuanian 1% Italian 1%
• Foreign-born: 9% · Canada
• Languages at home: 85% English-only · Spanish 11% Other Indo-European 2% Arabic 1%

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: ▼ -251.44%
• Current HPI: 228.4218
• Rent YoY: ▼ -0.09%
• 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

+0.0% since first listed

3 events — show timeline

• 2026-05-05 Pending — BRIGHT MLS
• 2026-05-01 Listed $259,900 BRIGHT MLS
• 2026-04-09 Coming Soon $259,900 BRIGHT MLS

Property tax history

+1.9%/yr

Latest (2025): $2,465 · +0.7% YoY. Source: county tax records.