10124 Hummingbird St · Ellerslie, MD 21529

$149,000

4 bd · 2.5 ba · 1,784 sqft · SingleFamily public records · 385 Days on market

Built 1910 0.25 ac lot $84/sqft · 27% below area Est $204k · 27% 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 +19.7/30.0
• ARV discount +15.0/15.0
• Appreciation +8.8/10.0
• DSCR +6.2/10.0
• 1% rule +4.3/10.0
• Livability +3.0/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Schools +1.9/10.0

Listing remarks MLS

Sellers HIGHLY MOTIVATED!! Any reasonable offer will be considered. Offering a credit towards a new roof if the buyer desires! Welcome to your beautifully maintained home nestled in the tranquil community of Ellerslie, Maryland. This inviting property blends small-town charm with contemporary convenience, offering the perfect escape from the hustle of everyday life. Step inside to find a warm and welcoming interior perfect for both entertaining and everyday living. Large windows fill the space with natural light, highlighting the home's tasteful finishes and thoughtful updates. The kitchen features ample cabinetry and counter space, making it a dream for home cooks and busy families alike. New baseboards throughout and an updated electrical panel were added in 2021. Enjoy morning coffee or evening sunsets from the private backyard — a peaceful outdoor oasis. Whether you’re hosting summer barbecues or enjoying quiet moments under the stars, this space is sure to become a favorite. Additional highlights include fresh paint and new flooring throughout. Located just minutes from Cumberland and scenic routes into Pennsylvania, this home offers the perfect blend of rural serenity and close-to-town. Don’t miss your chance to own a slice of Western Maryland paradise!

Key facts

• 0.25 acre lot
• Built 1910
• Listed 384 days

What this means for you Summary

Snapshot

• This is a 4-bed/2.5-bath single-family listed at $149k.

Deal economics

• At list price, monthly cash flow is $176 ($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 $138k (7.3% below list).
• Recommended offer: $131k (12.0% below list) — sets the bar for market timing.

Location & tenants

• Location reads 60/100 on livability (#348 in MD) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+; Watch: crime F, amenities F, commute F.
• Allegany County Public Schools (other): math 15% / reading 30% proficiency, ranked #18 of 24 in MD (top 75%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover.
• Zoned schools: Mt. Savage Elementary (math 12% / reading 17%, grade F, #477 of 860 statewide, top 59%, 220 students, 61% FRL); Mount Savage Middle (math 15% / reading 38%, grade F, #86 of 225 statewide, top 40%, 425 students, 54% FRL); Mountain Ridge High School (math 32% / reading 72%, grade D+, #100 of 222 statewide, top 47%, 736 students, 48% FRL).
• Market conditions: 8 active listings in the ZIP; 24 units permitted in Allegany County in 2024 (0 in 5+ unit buildings).

Forward outlook

• In year one you build about $12k of equity ($1k loan paydown + $11k appreciation (7.6% local appreciation)).
• Allegany County population projected at -14% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.
• At projected returns (7.6% appreciation + 3.0% rent growth), your $42k cash investment doubles in ~3 years — after that, you're playing with house money.
• By year 3, paydown + projected appreciation supports a ~$31k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• It's been on market 385 days — a 12% lower offer ($131k) is reasonable based on typical stale-listing flexibility.
• 4 sale attempts since 15y ago; this cycle's ask has dropped $31k (17%) from the opening price — seller is motivated, your offer sets the floor, not the list.
• Current owner paid $63k; list at $149k implies a 137% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: built in 1910 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: extreme-heat days projected 8→21/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $131,120 (12.0% below list)

Questions for the listing agent

1. It's been on market 385 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
2. Built in 1910 — 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: 0.93% ✗
• Cap rate: 7.71%
• Cash-on-cash: 5.06%
• DSCR: 1.22
• GRM: 9.0

CMA / ARV

• ARV (median comp): $204,010
• List price: $149,000
• Delta: -26.96%
• Verdict: UNDERPRICED
• Comps: 19 within 1.0 mi

Show comp detail 6 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
10101 High Pine Ct	0.11mi	3/1.0 (-1)	1,752 (-2%)	8mo	$48,000	$27	75
10133 Hummingbird St	0.05mi	3/1.0 (-1)	1,718 (-4%)	18mo	$199,000	$116	65
14103 Temple St	0.30mi	3/1.5 (-1)	1,961 (+10%)	3mo	$207,500	$106	58
10007 Devore St	0.24mi	3/1.0 (-1)	1,624 (-9%)	8mo	$40,000	$25	57
10132 Hummingbird St	0.04mi	3/1.0 (-1)	1,520 (-15%)	16mo	$219,000	$144	49
10304 Pin Oak Ct	0.61mi	3/2.5 (-1)	1,962 (+10%)	10mo	$370,000	$189	41

Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.

Projected returns pro-forma

7.63% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 23.1%
• Equity multiple: 2.65×
• Total profit: $69,034
• Equity at exit: $109,485

10-year hold

• IRR: 21.2%
• Equity multiple: 5.60×
• Total profit: $191,829
• Equity at exit: $213,878

Cash invested: $41,720 (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 21529

• Home prices YoY: 3.3%
• Active inventory: 8
• Price-to-rent: 9.0×

Monthly cashflow live

• Estimated rent: $1,381 medium
• Mortgage (P&I): −$781
• Tax from tax record: −$71 /mo · $857/yr
• Insurance: −$62
• HOA: −$0
• Vacancy / Maint / Mgmt: −$290
• Net cashflow: $176

Break-even live

Break-even rent $1,158

Max offer price $149,000

Occupancy floor 82%

Sensitivity live

Price	-10% $260	-5% $218	+0% $176	+5% $134	+10% $91
Rent	-10% $67	-5% $121	+0% $176	+5% $230	+10% $285
Rate	-1.0pp $251	-0.5pp $214	base $176	+0.5pp $137	+1.0pp $98

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: $37,250
• Closing costs: $4,470
• Reserves months: —
• Total cash needed: —

Listing history 37 events

1. 2026-06-21
   days on market $149,000 Active 385 DOM
2. 2026-06-19
   days on market $149,000 Active 383 DOM
3. 2026-06-18
   days on market $149,000 Active 382 DOM
4. 2026-06-17
   days on market $149,000 Active 381 DOM
5. 2026-06-16
   days on market $149,000 Active 380 DOM
6. 2026-06-15
   days on market $149,000 Active 379 DOM
7. 2026-06-14
   days on market $149,000 Active 377 DOM
8. 2026-06-12
   days on market $149,000 Active 376 DOM
9. 2026-06-09
   days on market $149,000 Active 373 DOM
10. 2026-06-08
    days on market $149,000 Active 372 DOM
11. 2026-06-07
    days on market $149,000 Active 371 DOM
12. 2026-06-03
    price $149,000 Active 366 DOM
13. 2026-06-02
    days on market $159,000 Active 366 DOM
14. 2026-06-01
    days on market $159,000 Active 365 DOM
15. 2026-05-31
    days on market $159,000 Active 364 DOM
16. 2026-05-30
    days on market $159,000 Active 363 DOM
17. 2026-04-29
    status Active 1297-char remark

    Show marketing remark (1297 chars)

    Sellers HIGHLY MOTIVATED!! Any reasonable offer will be considered. Offering a credit towards a new roof if the buyer desires! Welcome to your beautifully maintained home nestled in the tranquil community of Ellerslie, Maryland. This inviting property blends small-town charm with contemporary convenience, offering the perfect escape from the hustle of everyday life. Step inside to find a warm and welcoming interior perfect for both entertaining and everyday living. Large windows fill the space with natural light, highlighting the home's tasteful finishes and thoughtful updates. The kitchen features ample cabinetry and counter space, making it a dream for home cooks and busy families alike. New baseboards throughout and an updated electrical panel were added in 2021. Enjoy morning coffee or evening sunsets from the private backyard — a peaceful outdoor oasis. Whether you’re hosting summer barbecues or enjoying quiet moments under the stars, this space is sure to become a favorite. Additional highlights include fresh paint and new flooring throughout. Located just minutes from Cumberland and scenic routes into Pennsylvania, this home offers the perfect blend of rural serenity and close-to-town. Don’t miss your chance to own a slice of Western Maryland paradise!

18. 2026-04-28
    historical 1297-char remark

    Show marketing remark (1297 chars)

    Sellers HIGHLY MOTIVATED!! Any reasonable offer will be considered. Offering a credit towards a new roof if the buyer desires! Welcome to your beautifully maintained home nestled in the tranquil community of Ellerslie, Maryland. This inviting property blends small-town charm with contemporary convenience, offering the perfect escape from the hustle of everyday life. Step inside to find a warm and welcoming interior perfect for both entertaining and everyday living. Large windows fill the space with natural light, highlighting the home's tasteful finishes and thoughtful updates. The kitchen features ample cabinetry and counter space, making it a dream for home cooks and busy families alike. New baseboards throughout and an updated electrical panel were added in 2021. Enjoy morning coffee or evening sunsets from the private backyard — a peaceful outdoor oasis. Whether you’re hosting summer barbecues or enjoying quiet moments under the stars, this space is sure to become a favorite. Additional highlights include fresh paint and new flooring throughout. Located just minutes from Cumberland and scenic routes into Pennsylvania, this home offers the perfect blend of rural serenity and close-to-town. Don’t miss your chance to own a slice of Western Maryland paradise!

19. 2026-04-20
    price $159,000 1297-char remark

    Show marketing remark (1297 chars)

    Sellers HIGHLY MOTIVATED!! Any reasonable offer will be considered. Offering a credit towards a new roof if the buyer desires! Welcome to your beautifully maintained home nestled in the tranquil community of Ellerslie, Maryland. This inviting property blends small-town charm with contemporary convenience, offering the perfect escape from the hustle of everyday life. Step inside to find a warm and welcoming interior perfect for both entertaining and everyday living. Large windows fill the space with natural light, highlighting the home's tasteful finishes and thoughtful updates. The kitchen features ample cabinetry and counter space, making it a dream for home cooks and busy families alike. New baseboards throughout and an updated electrical panel were added in 2021. Enjoy morning coffee or evening sunsets from the private backyard — a peaceful outdoor oasis. Whether you’re hosting summer barbecues or enjoying quiet moments under the stars, this space is sure to become a favorite. Additional highlights include fresh paint and new flooring throughout. Located just minutes from Cumberland and scenic routes into Pennsylvania, this home offers the perfect blend of rural serenity and close-to-town. Don’t miss your chance to own a slice of Western Maryland paradise!

20. 2026-03-21
    price $149,000 1297-char remark

    Show marketing remark (1297 chars)

    Sellers HIGHLY MOTIVATED!! Any reasonable offer will be considered. Offering a credit towards a new roof if the buyer desires! Welcome to your beautifully maintained home nestled in the tranquil community of Ellerslie, Maryland. This inviting property blends small-town charm with contemporary convenience, offering the perfect escape from the hustle of everyday life. Step inside to find a warm and welcoming interior perfect for both entertaining and everyday living. Large windows fill the space with natural light, highlighting the home's tasteful finishes and thoughtful updates. The kitchen features ample cabinetry and counter space, making it a dream for home cooks and busy families alike. New baseboards throughout and an updated electrical panel were added in 2021. Enjoy morning coffee or evening sunsets from the private backyard — a peaceful outdoor oasis. Whether you’re hosting summer barbecues or enjoying quiet moments under the stars, this space is sure to become a favorite. Additional highlights include fresh paint and new flooring throughout. Located just minutes from Cumberland and scenic routes into Pennsylvania, this home offers the perfect blend of rural serenity and close-to-town. Don’t miss your chance to own a slice of Western Maryland paradise!

21. 2026-02-18
    price $155,000 1297-char remark

    Show marketing remark (1297 chars)

    Sellers HIGHLY MOTIVATED!! Any reasonable offer will be considered. Offering a credit towards a new roof if the buyer desires! Welcome to your beautifully maintained home nestled in the tranquil community of Ellerslie, Maryland. This inviting property blends small-town charm with contemporary convenience, offering the perfect escape from the hustle of everyday life. Step inside to find a warm and welcoming interior perfect for both entertaining and everyday living. Large windows fill the space with natural light, highlighting the home's tasteful finishes and thoughtful updates. The kitchen features ample cabinetry and counter space, making it a dream for home cooks and busy families alike. New baseboards throughout and an updated electrical panel were added in 2021. Enjoy morning coffee or evening sunsets from the private backyard — a peaceful outdoor oasis. Whether you’re hosting summer barbecues or enjoying quiet moments under the stars, this space is sure to become a favorite. Additional highlights include fresh paint and new flooring throughout. Located just minutes from Cumberland and scenic routes into Pennsylvania, this home offers the perfect blend of rural serenity and close-to-town. Don’t miss your chance to own a slice of Western Maryland paradise!

22. 2025-12-07
    price $159,000 1297-char remark

    Show marketing remark (1297 chars)

    Sellers HIGHLY MOTIVATED!! Any reasonable offer will be considered. Offering a credit towards a new roof if the buyer desires! Welcome to your beautifully maintained home nestled in the tranquil community of Ellerslie, Maryland. This inviting property blends small-town charm with contemporary convenience, offering the perfect escape from the hustle of everyday life. Step inside to find a warm and welcoming interior perfect for both entertaining and everyday living. Large windows fill the space with natural light, highlighting the home's tasteful finishes and thoughtful updates. The kitchen features ample cabinetry and counter space, making it a dream for home cooks and busy families alike. New baseboards throughout and an updated electrical panel were added in 2021. Enjoy morning coffee or evening sunsets from the private backyard — a peaceful outdoor oasis. Whether you’re hosting summer barbecues or enjoying quiet moments under the stars, this space is sure to become a favorite. Additional highlights include fresh paint and new flooring throughout. Located just minutes from Cumberland and scenic routes into Pennsylvania, this home offers the perfect blend of rural serenity and close-to-town. Don’t miss your chance to own a slice of Western Maryland paradise!

23. 2025-09-19
    price $165,000 1297-char remark

    Show marketing remark (1297 chars)

    Sellers HIGHLY MOTIVATED!! Any reasonable offer will be considered. Offering a credit towards a new roof if the buyer desires! Welcome to your beautifully maintained home nestled in the tranquil community of Ellerslie, Maryland. This inviting property blends small-town charm with contemporary convenience, offering the perfect escape from the hustle of everyday life. Step inside to find a warm and welcoming interior perfect for both entertaining and everyday living. Large windows fill the space with natural light, highlighting the home's tasteful finishes and thoughtful updates. The kitchen features ample cabinetry and counter space, making it a dream for home cooks and busy families alike. New baseboards throughout and an updated electrical panel were added in 2021. Enjoy morning coffee or evening sunsets from the private backyard — a peaceful outdoor oasis. Whether you’re hosting summer barbecues or enjoying quiet moments under the stars, this space is sure to become a favorite. Additional highlights include fresh paint and new flooring throughout. Located just minutes from Cumberland and scenic routes into Pennsylvania, this home offers the perfect blend of rural serenity and close-to-town. Don’t miss your chance to own a slice of Western Maryland paradise!

24. 2025-08-10
    price $169,999 1297-char remark

    Show marketing remark (1297 chars)

    Sellers HIGHLY MOTIVATED!! Any reasonable offer will be considered. Offering a credit towards a new roof if the buyer desires! Welcome to your beautifully maintained home nestled in the tranquil community of Ellerslie, Maryland. This inviting property blends small-town charm with contemporary convenience, offering the perfect escape from the hustle of everyday life. Step inside to find a warm and welcoming interior perfect for both entertaining and everyday living. Large windows fill the space with natural light, highlighting the home's tasteful finishes and thoughtful updates. The kitchen features ample cabinetry and counter space, making it a dream for home cooks and busy families alike. New baseboards throughout and an updated electrical panel were added in 2021. Enjoy morning coffee or evening sunsets from the private backyard — a peaceful outdoor oasis. Whether you’re hosting summer barbecues or enjoying quiet moments under the stars, this space is sure to become a favorite. Additional highlights include fresh paint and new flooring throughout. Located just minutes from Cumberland and scenic routes into Pennsylvania, this home offers the perfect blend of rural serenity and close-to-town. Don’t miss your chance to own a slice of Western Maryland paradise!

25. 2025-06-21
    price $174,999 1297-char remark

    Show marketing remark (1297 chars)

    Sellers HIGHLY MOTIVATED!! Any reasonable offer will be considered. Offering a credit towards a new roof if the buyer desires! Welcome to your beautifully maintained home nestled in the tranquil community of Ellerslie, Maryland. This inviting property blends small-town charm with contemporary convenience, offering the perfect escape from the hustle of everyday life. Step inside to find a warm and welcoming interior perfect for both entertaining and everyday living. Large windows fill the space with natural light, highlighting the home's tasteful finishes and thoughtful updates. The kitchen features ample cabinetry and counter space, making it a dream for home cooks and busy families alike. New baseboards throughout and an updated electrical panel were added in 2021. Enjoy morning coffee or evening sunsets from the private backyard — a peaceful outdoor oasis. Whether you’re hosting summer barbecues or enjoying quiet moments under the stars, this space is sure to become a favorite. Additional highlights include fresh paint and new flooring throughout. Located just minutes from Cumberland and scenic routes into Pennsylvania, this home offers the perfect blend of rural serenity and close-to-town. Don’t miss your chance to own a slice of Western Maryland paradise!

26. 2025-06-01
    listed $180,000 Active 1297-char remark

    Show marketing remark (1297 chars)

    Sellers HIGHLY MOTIVATED!! Any reasonable offer will be considered. Offering a credit towards a new roof if the buyer desires! Welcome to your beautifully maintained home nestled in the tranquil community of Ellerslie, Maryland. This inviting property blends small-town charm with contemporary convenience, offering the perfect escape from the hustle of everyday life. Step inside to find a warm and welcoming interior perfect for both entertaining and everyday living. Large windows fill the space with natural light, highlighting the home's tasteful finishes and thoughtful updates. The kitchen features ample cabinetry and counter space, making it a dream for home cooks and busy families alike. New baseboards throughout and an updated electrical panel were added in 2021. Enjoy morning coffee or evening sunsets from the private backyard — a peaceful outdoor oasis. Whether you’re hosting summer barbecues or enjoying quiet moments under the stars, this space is sure to become a favorite. Additional highlights include fresh paint and new flooring throughout. Located just minutes from Cumberland and scenic routes into Pennsylvania, this home offers the perfect blend of rural serenity and close-to-town. Don’t miss your chance to own a slice of Western Maryland paradise!

27. 2025-05-12
    historical $180,000 1297-char remark

    Show marketing remark (1297 chars)

    Sellers HIGHLY MOTIVATED!! Any reasonable offer will be considered. Offering a credit towards a new roof if the buyer desires! Welcome to your beautifully maintained home nestled in the tranquil community of Ellerslie, Maryland. This inviting property blends small-town charm with contemporary convenience, offering the perfect escape from the hustle of everyday life. Step inside to find a warm and welcoming interior perfect for both entertaining and everyday living. Large windows fill the space with natural light, highlighting the home's tasteful finishes and thoughtful updates. The kitchen features ample cabinetry and counter space, making it a dream for home cooks and busy families alike. New baseboards throughout and an updated electrical panel were added in 2021. Enjoy morning coffee or evening sunsets from the private backyard — a peaceful outdoor oasis. Whether you’re hosting summer barbecues or enjoying quiet moments under the stars, this space is sure to become a favorite. Additional highlights include fresh paint and new flooring throughout. Located just minutes from Cumberland and scenic routes into Pennsylvania, this home offers the perfect blend of rural serenity and close-to-town. Don’t miss your chance to own a slice of Western Maryland paradise!

28. 2011-10-13
    soldstatus $63,000
29. 2011-10-13
    soldstatus $63,000
30. 2011-09-30
    soldstatus $63,000 Sold 324-char remark

    Show marketing remark (324 chars)

    1784 square foot house is priced to sell. Storage shed and quarter acre lot. Off street parking for 4-5 cars or you may be able to build a garage. House may need some updating but is move in ready. 4 BR / 2.5 B make it a great home for a growing family. Roof is 5 years old. 200 amp electric. Tenant in place month to month.

31. 2011-09-30
    soldstatus $63,000

    Show marketing remark (324 chars)

    1784 square foot house is priced to sell. Storage shed and quarter acre lot. Off street parking for 4-5 cars or you may be able to build a garage. House may need some updating but is move in ready. 4 BR / 2.5 B make it a great home for a growing family. Roof is 5 years old. 200 amp electric. Tenant in place month to month.

32. 2011-08-13
    status Contract 324-char remark

    Show marketing remark (324 chars)

    1784 square foot house is priced to sell. Storage shed and quarter acre lot. Off street parking for 4-5 cars or you may be able to build a garage. House may need some updating but is move in ready. 4 BR / 2.5 B make it a great home for a growing family. Roof is 5 years old. 200 amp electric. Tenant in place month to month.

33. 2011-08-10
    historical
34. 2011-06-07
    price $69,900 324-char remark

    Show marketing remark (324 chars)

    1784 square foot house is priced to sell. Storage shed and quarter acre lot. Off street parking for 4-5 cars or you may be able to build a garage. House may need some updating but is move in ready. 4 BR / 2.5 B make it a great home for a growing family. Roof is 5 years old. 200 amp electric. Tenant in place month to month.

35. 2011-05-12
    price $74,900 324-char remark

    Show marketing remark (324 chars)

    1784 square foot house is priced to sell. Storage shed and quarter acre lot. Off street parking for 4-5 cars or you may be able to build a garage. House may need some updating but is move in ready. 4 BR / 2.5 B make it a great home for a growing family. Roof is 5 years old. 200 amp electric. Tenant in place month to month.

36. 2011-02-25
    listed $79,900 Active 324-char remark

    Show marketing remark (324 chars)

    1784 square foot house is priced to sell. Storage shed and quarter acre lot. Off street parking for 4-5 cars or you may be able to build a garage. House may need some updating but is move in ready. 4 BR / 2.5 B make it a great home for a growing family. Roof is 5 years old. 200 amp electric. Tenant in place month to month.

37. 2011-02-25
    listed $69,900

    Show marketing remark (324 chars)

    1784 square foot house is priced to sell. Storage shed and quarter acre lot. Off street parking for 4-5 cars or you may be able to build a garage. House may need some updating but is move in ready. 4 BR / 2.5 B make it a great home for a growing family. Roof is 5 years old. 200 amp electric. Tenant in place month to month.

ⓘ 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: $857 · $71/mo
• Projected year-2 tax: $1,240 · $103/mo
• Expected delta: +$384/yr (+$32/mo · 44.8%)

ⓘ 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 2/10 Low
• 🌡 Heat 5/10 Major 8 d/yr ≥98°F today · 21 d/yr by 30 yrs out
• 💨 Wind 2/10 Low
• 🫁 Air quality 2/10 Low 0 unhealthy d/yr today · 1 by 30 yrs out

Taxation est. · year 1

• Rental income: $16,567
• − Mortgage interest: −$8,346
• − Property taxes: −$857
• − Insurance: −$745
• − Repairs & maintenance: −$1,325
• − Management: −$1,325
• − Depreciation: −$4,335
• Taxable loss: −$367
• Est. tax savings @ 24.0%: +$88
• After-tax cash flow: $2,197/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: Allegany County Public Schools
• NCES district ID: 2400030
• Math proficiency: 15% ▼ -26.00%
• Reading proficiency: 30% ▼ -20.00%
• Median HH income: $39,760
• Composite: 18.95/100
• National rank: #8854
• State rank: #18 of 24 in MD

Livability — Ellerslie

• Score: 60/100
• State rank: #348
• US rank: #18669

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Ellerslie, MD
• City population: 516
• Population (ZIP): 516

Population outlook (Allegany County) Hauer SSP2

• Today (2025): 68,778 people
• By 2030: 66,766 · -2.9%
• By 2040: 62,784 · -8.7%
• By 2050: 59,179 · -14.0%
• By 2075: 50,732 · -26.2%
• By 2100: 40,837 · -40.6%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (92%)
• Race & ethnicity: White 92% Two or more races 8%
• Common ancestry: Iranian 2% Serbian 2% Lithuanian 1%
• Languages at home: 98% English-only · Other Indo-European 2%

Political lean MEDSL · Allegany

• 2024 margin: Solid R (+40.3) · D 28.9% · R 69.2% · Other 2.0%
• 2008→2024 swing: -14.4pp toward R · 2008: -25.9pp · 2024: -40.3pp
• All cycles: 2024: R+40.3 2020: R+38.3 2016: R+48.0 2012: R+32.9 2008: R+25.9

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▲ 7.63%
• Current HPI: 240.9999
• 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

+127.5% since first listed

21 events — show timeline

• 2026-04-29 Relisted — BRIGHT MLS
• 2026-04-28 Listing Removed — BRIGHT MLS
• 2026-04-20 Price Changed $159,000 BRIGHT MLS
• 2026-03-21 Price Changed $149,000 BRIGHT MLS
• 2026-02-18 Price Changed $155,000 BRIGHT MLS
• 2025-12-07 Price Changed $159,000 BRIGHT MLS
• 2025-09-19 Price Changed $165,000 BRIGHT MLS
• 2025-08-10 Price Changed $169,999 BRIGHT MLS
• 2025-06-21 Price Changed $174,999 BRIGHT MLS
• 2025-06-01 Listed $180,000 BRIGHT MLS
• 2025-05-12 Coming Soon $180,000 BRIGHT MLS
• 2011-10-13 Sold (Public Records) $63,000 Public Records
• 2011-10-13 Sold (Public Records) $63,000 Public Records
• 2011-09-30 Sold (MLS) $63,000 BRIGHT MLS
• 2011-09-30 Sold (MLS) $63,000 MRIS
• 2011-08-13 Pending — MRIS
• 2011-08-10 Listing Removed — BRIGHT MLS
• 2011-06-07 Price Changed $69,900 MRIS
• 2011-05-12 Price Changed $74,900 MRIS
• 2011-02-25 Listed $79,900 MRIS
• 2011-02-25 Listed $69,900 BRIGHT MLS

Property tax history

+1.4%/yr

Latest (2025): $857 · +4.6% YoY. Source: county tax records.