14 Whyte St · Union Bridge, MD 21791

$155,000

3 bd · 2.0 ba · 1,584 sqft · SingleFamily public records · 6 Days on market

Built 1895 6,452 sqft lot Est $291k · 47% 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 +15.6/30.0
• ARV discount +15.0/15.0
• DSCR +4.8/10.0
• 1% rule +4.3/10.0
• Schools +3.7/10.0
• Livability +2.9/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

This home was built in 1895 and offers more than 1,550 square feet of living space. The home features a large eat in kitchen, fierplace, built in shelves, wood flooring, a nice back yard, a full basement, and a covered porch.

Key facts

• 6,452 sq ft lot
• Built 1895
• Listed 6 days

Property features AI

Finance

• HOA & community: Ground rent paid annually

Exterior

• Parking: On-street parking
• Utilities: Electric hot water
• Home design: Detached structure
• Construction: Built (year sourced from assessor); Asbestos and block construction; Block foundation; Above-grade and below-grade structures
• Exterior features: Public water; Public sewer

Interior

• Bedrooms: Three bedrooms on the first upper level
• Bathrooms: Two full bathrooms (one on the main level, one on the first upper level)
• Heating & cooling: Baseboard electric heating; Wall unit cooling (electric)
• Interior features: Partially finished basement

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $155k.

Deal economics

• At list price, monthly cash flow is $66 ($793/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 $144k (7.3% below list).
• Recommended offer: $144k (7.3% below list) — sets the bar for 1% rule.

Location & tenants

• Location reads 57/100 on livability (#400 in MD) — a working-class tenant base; expect higher turnover. Strengths: housing A+, cost of living A-; Watch: crime F, amenities F, commute F.
• Carroll County Public Schools (suburban): math 32% / reading 47% proficiency, ranked #2 of 24 in MD (top 8%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases; only 16% free/reduced lunch — higher-income household profile.
• Zoned schools: Elmer A. Wolfe Elementary (math 22% / reading 27%, grade F, #260 of 860 statewide, top 33%, 480 students, 45% FRL); Northwest Middle (math 12% / reading 38%, grade F, #104 of 225 statewide, top 47%, 637 students, 44% FRL); Francis Scott Key High (math 47% / reading 67%, grade C, #80 of 222 statewide, top 37%, 944 students, 41% FRL) — zoned schools average 43% FRL vs 16% district-wide (28 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Market conditions: 19 active listings in the ZIP; 156 units permitted in Carroll County in 2024 (12 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $1k of loan paydown is wiped out by about $5k of value loss. Plan a longer hold.
• Carroll County population projected to shrink 7% by 2050 — rents likely to lag national; underwrite the cash flow, not the appreciation.

Negotiation context

• Only 6 days on market — expect competitive offers; lowballing is unlikely to land.
• 10 sale attempts since 29y ago; this cycle's ask is 65% above the opening price — seller raised mid-cycle; expect resistance to lowballs.
• Current owner paid $99k; list at $155k implies a 57% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: built in 1895 — expect roof / HVAC / electrical / plumbing capex.
• 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 $143,658 (7.3% below list)

Questions for the listing agent

1. Built in 1895 — 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 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?
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: 0.93% ✗
• Cap rate: 6.80%
• Cash-on-cash: 1.83%
• DSCR: 1.08
• GRM: 9.0

CMA / ARV

• ARV (on-the-fly): $291,456
• Comps found: 9

Show comp detail 9 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
10 Whyte St	0.02mi	3/2.0	1,650 (+4%)	8mo	$276,000	$167	86
32 S Main St	0.13mi	3/1.5	1,624 (+2%)	21mo	$325,000	$200	70
20 Whyte St	0.02mi	2/1.0 (-1)	1,408 (-11%)	10mo	$145,000	$103	63
8 E Elger St	0.25mi	3/1.5	1,472 (-7%)	16mo	$212,000	$144	62
317 Thomas St	0.47mi	3/2.0	1,512 (-4%)	11mo	$300,000	$198	61
314 E Broadway St	0.47mi	3/2.5	1,448 (-9%)	1mo	$267,000	$184	61
1 Farquhar St	0.29mi	4/1.0 (+1)	1,692 (+7%)	15mo	$300,000	$177	54
147 Union Bridge Rd	0.74mi	2/2.0 (-1)	1,464 (-8%)	4mo	$285,900	$195	44
108 George St	0.19mi	4/2.0 (+1)	1,800 (+14%)	23mo	$370,000	$206	44

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 · 3.0% rent growth · sell at horizon

5-year hold

• IRR: -13.4%
• Equity multiple: 0.52×
• Total profit: $-20,886
• Equity at exit: $23,111

10-year hold

• IRR: -4.4%
• Equity multiple: 0.71×
• Total profit: $-12,682
• Equity at exit: $13,402

Cash invested: $43,400 (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 21791

• Home prices YoY: -30.6%
• Active inventory: 19
• Price-to-rent: 9.0×

Monthly cashflow live

• Estimated rent: $1,437 medium
• Mortgage (P&I): −$813
• Tax from tax record: −$191 /mo · $2,296/yr
• Insurance: −$65
• HOA: −$0
• Vacancy / Maint / Mgmt: −$302
• Net cashflow: $66

Break-even live

Break-even rent $1,353

Max offer price $155,000

Occupancy floor 90%

Sensitivity live

Price	-10% $154	-5% $110	+0% $66	+5% $22	+10% $-22
Rent	-10% $-47	-5% $9	+0% $66	+5% $123	+10% $180
Rate	-1.0pp $144	-0.5pp $106	base $66	+0.5pp $26	+1.0pp $-15

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: $38,750
• Closing costs: $4,650
• Reserves months: —
• Total cash needed: —

Listing history 40 events

1. 2026-06-07
   status $155,000 Pending 6 DOM
2. 2026-06-02
   statusdays on market $155,000 Active Under Contract 6 DOM
3. 2026-06-01
   days on market $155,000 Active 5 DOM
4. 2026-05-31
   days on market $155,000 Active 4 DOM
5. 2026-05-26
   historical $155,000
6. 2017-07-28
   soldstatus $98,529 225-char remark

   Show marketing remark (227 chars)

   This home was built in 1895 and offers more than 1,550 square feet of living space. ~ The home features a large eat in kitchen, fierplace, built in shelves, wood flooring, a nice back yard, a full basement, and a covered porch.

7. 2017-07-28
   soldstatus $98,529 Sold 227-char remark

   Show marketing remark (227 chars)

   This home was built in 1895 and offers more than 1,550 square feet of living space. ~ The home features a large eat in kitchen, fierplace, built in shelves, wood flooring, a nice back yard, a full basement, and a covered porch.

8. 2017-05-03
   status Contract 227-char remark

   Show marketing remark (227 chars)

   This home was built in 1895 and offers more than 1,550 square feet of living space. ~ The home features a large eat in kitchen, fierplace, built in shelves, wood flooring, a nice back yard, a full basement, and a covered porch.

9. 2017-04-14
   price $83,900 227-char remark

   Show marketing remark (227 chars)

   This home was built in 1895 and offers more than 1,550 square feet of living space. ~ The home features a large eat in kitchen, fierplace, built in shelves, wood flooring, a nice back yard, a full basement, and a covered porch.

10. 2017-04-10
    listed $93,900 Active 227-char remark

    Show marketing remark (227 chars)

    This home was built in 1895 and offers more than 1,550 square feet of living space. ~ The home features a large eat in kitchen, fierplace, built in shelves, wood flooring, a nice back yard, a full basement, and a covered porch.

11. 2017-04-10
    historical

    Show marketing remark (227 chars)

    This home was built in 1895 and offers more than 1,550 square feet of living space. ~ The home features a large eat in kitchen, fierplace, built in shelves, wood flooring, a nice back yard, a full basement, and a covered porch.

12. 2017-04-10
    listed

    Show marketing remark (227 chars)

    This home was built in 1895 and offers more than 1,550 square feet of living space. ~ The home features a large eat in kitchen, fierplace, built in shelves, wood flooring, a nice back yard, a full basement, and a covered porch.

13. 2017-04-10
    historical Withdrawn

    Show marketing remark (227 chars)

    This home was built in 1895 and offers more than 1,550 square feet of living space. ~ The home features a large eat in kitchen, fierplace, built in shelves, wood flooring, a nice back yard, a full basement, and a covered porch.

14. 2017-04-10
    historical

    Show marketing remark (227 chars)

    This home was built in 1895 and offers more than 1,550 square feet of living space. ~ The home features a large eat in kitchen, fierplace, built in shelves, wood flooring, a nice back yard, a full basement, and a covered porch.

15. 2017-04-10
    listed $93,900

    Show marketing remark (227 chars)

    This home was built in 1895 and offers more than 1,550 square feet of living space. ~ The home features a large eat in kitchen, fierplace, built in shelves, wood flooring, a nice back yard, a full basement, and a covered porch.

16. 2017-04-10
    historical

    Show marketing remark (227 chars)

    This home was built in 1895 and offers more than 1,550 square feet of living space. ~ The home features a large eat in kitchen, fierplace, built in shelves, wood flooring, a nice back yard, a full basement, and a covered porch.

17. 2017-04-03
    status Active
18. 2017-03-30
    historical Withdrawn
19. 2017-03-15
    price
20. 2017-02-21
    price
21. 2017-01-30
    price
22. 2017-01-13
    price
23. 2016-12-29
    price
24. 2016-12-14
    price
25. 2016-12-07
    price
26. 2016-11-03
    listed Active
27. 2016-11-03
    listed $93,900
28. 2009-07-27
    historical
29. 2009-07-27
    historical
30. 2009-03-15
    price
31. 2009-01-26
    listed
32. 2009-01-26
    listed $175,000
33. 2001-08-06
    soldstatus $99,000
34. 2001-07-27
    soldstatus $99,000
35. 2001-06-17
    historical
36. 2001-05-24
    listed $102,000
37. 1998-02-13
    soldstatus $93,000
38. 1997-08-29
    soldstatus $93,000
39. 1997-06-23
    historical
40. 1997-03-06
    listed $92,900

ⓘ 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: $2,296 · $191/mo
• Projected year-2 tax: $2,296 · $191/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 6/10 Major 7 d/yr ≥103°F today · 16 d/yr by 30 yrs out
• 💨 Wind 4/10 Moderate 9% 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: $17,239
• − Mortgage interest: −$8,682
• − Property taxes: −$2,296
• − Insurance: −$775
• − Repairs & maintenance: −$1,379
• − Management: −$1,379
• − Depreciation: −$4,509
• Taxable loss: −$1,782
• Est. tax savings @ 24.0%: +$428
• After-tax cash flow: $1,221/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: Carroll County Public Schools
• NCES district ID: 2400210
• Math proficiency: 32% ▼ -25.00%
• Reading proficiency: 47% ▼ -16.00%
• Median HH income: $84,594
• Composite: 37.33/100
• National rank: #4441
• State rank: #2 of 24 in MD

Livability — Union Bridge

• Score: 57/100
• State rank: #400
• US rank: #22031

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Union Bridge, MD
• Population (ZIP): 4,734

Population outlook (Carroll County) Hauer SSP2

• Today (2025): 169,677 people
• By 2030: 169,605 · +-0.0%
• By 2040: 166,205 · -2.0%
• By 2050: 158,312 · -6.7%
• By 2075: 143,013 · -15.7%
• By 2100: 122,431 · -27.8%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (94%)
• Race & ethnicity: White 94% Asian 2% Black 2% Two or more races 1% Hispanic / Latino 1%
• Common ancestry: Lithuanian 3% Slovak 3% Italian 2%
• Foreign-born: 2% · South Korea, Canada
• Languages at home: 98% English-only · Other Asian/Pacific 1%

Political lean MEDSL · Carroll

• 2024 margin: Strong R (+24.9) · D 36.2% · R 61.2% · Other 2.6%
• 2008→2024 swing: +6.2pp toward D · 2008: -31.2pp · 2024: -24.9pp
• All cycles: 2024: R+24.9 2020: R+23.7 2016: R+36.9 2012: R+34.0 2008: R+31.2

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -122.95%
• Current HPI: 279.495
• Rent YoY: —
• Metro: —
• 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

+66.8% since first listed

36 events — show timeline

• 2026-05-26 Coming Soon $155,000 BRIGHT MLS
• 2017-07-28 Sold (MLS) $98,529 MRIS
• 2017-07-28 Sold (MLS) $98,529 BRIGHT MLS
• 2017-05-03 Pending — MRIS
• 2017-04-14 Price Changed $83,900 MRIS
• 2017-04-10 Listed $93,900 MRIS
• 2017-04-10 Listing Removed — BRIGHT MLS
• 2017-04-10 Listed $93,900 BRIGHT MLS
• 2017-04-10 Listing Removed — BRIGHT MLS
• 2017-04-10 Delisted — MRIS
• 2017-04-10 Listed — MRIS
• 2017-04-10 Delisted — MRIS
• 2017-04-03 Relisted — MRIS
• 2017-03-30 Delisted — MRIS
• 2017-03-15 Price Changed — MRIS
• 2017-02-21 Price Changed — MRIS
• 2017-01-30 Price Changed — MRIS
• 2017-01-13 Price Changed — MRIS
• 2016-12-29 Price Changed — MRIS
• 2016-12-14 Price Changed — MRIS
• 2016-12-07 Price Changed — MRIS
• 2016-11-03 Listed — MRIS
• 2016-11-03 Listed $93,900 BRIGHT MLS
• 2009-07-27 Delisted — MRIS
• 2009-07-27 Listing Removed — BRIGHT MLS
• 2009-03-15 Price Changed — MRIS
• 2009-01-26 Listed — MRIS
• 2009-01-26 Listed $175,000 BRIGHT MLS
• 2001-08-06 Sold (Public Records) $99,000 Public Records
• 2001-07-27 Sold (MLS) $99,000 MRIS
• 2001-06-17 Delisted — MRIS
• 2001-05-24 Listed $102,000 MRIS
• 1998-02-13 Sold (Public Records) $93,000 Public Records
• 1997-08-29 Sold (MLS) $93,000 MRIS
• 1997-06-23 Delisted — MRIS
• 1997-03-06 Listed $92,900 MRIS

Property tax history

+1.9%/yr

Latest (2025): $2,296 · +8.1% YoY. Source: county tax records.