2107 Cliftwood Ave · Baltimore, MD 21213

$64,900

3 bd · 1.0 ba · 588 sqft · Townhouse public records · 484 Days on market

Built 1920 1,306 sqft lot $110/sqft · 17% above area Est $102k · 36% under ↓ 17% since listing

---

Why this score? — see what drove the A- 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
• Appreciation +4.7/10.0
• Rent growth +3.8/5.0
• Livability +3.8/5.0
• Condition / age +2.5/5.0
• Schools +1.0/10.0

Listing remarks MLS

Now is your chance to get in on the renovation revolution happening in this neighborhood. There are multiple homes on the block that are getting renovated and many more in close proximity. This one is ready to join the fight. This 3 bedroom 1 bath home has tons of potential. Open living room/dining room areas, a kitchen with room for a small table, concrete and covered front porch, fenced back yard, unfinished basement waiting for your inspiration and much more. This house needs repairs and is sold 100% as is. Inspections are for informational purposes only. The seller will not entertain any repairs. Don't miss your opportunity to get in before prices go up.

Key facts

• Built 1920
• Listed 484 days

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath townhouse listed at $65k.

Deal economics

• At list price, monthly cash flow is $917 ($11k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $65k).
• Recommended offer: $57k (12.0% below list) — sets the bar for market timing.
• Cap rate 23.3% 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 (+5.2%/yr); 319 active listings in the ZIP; 15 comparable units currently listed for rent nearby; rentals at typical pace (median 24d on market — plan ~3-4 weeks tenant-placement turnaround); 1,273 units permitted in Baltimore city in 2024 (1,104 in 5+ unit buildings).
• This rent runs 41% of the median local income ($51k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.

Forward outlook

• In year one you build about $80 of equity ($449 loan paydown + $-369 appreciation (-0.6% local appreciation)).
• Baltimore County population projected to shrink 4% by 2050 — rents likely to lag national; underwrite the cash flow, not the appreciation.
• At projected returns (-0.6% appreciation + 5.2% rent growth), your $18k cash investment doubles in ~2 years — after that, you're playing with house money.

Negotiation context

• It's been on market 484 days — a 12% lower offer ($57k) is reasonable based on typical stale-listing flexibility.
• 2 sale attempts; this cycle's ask has dropped $40k (38%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Risks & watch-outs

• Watch-outs: built in 1920 — 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 $57,112 (12.0% below list)

Questions for the listing agent

1. It's been on market 484 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 1920 — 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: 2.70% ✓
• Cap rate: 23.25%
• Cash-on-cash: 60.58%
• DSCR: 3.70
• GRM: 3.1

CMA / ARV

• ARV (median comp): $101,617
• List price: $64,900
• Delta: -36.13%
• Verdict: UNDERPRICED
• Comps: 20 within 1.0 mi

Projected returns pro-forma

-0.57% appreciation · 5.25% rent growth · sell at horizon

5-year hold

• IRR: 64.2%
• Equity multiple: 4.24×
• Total profit: $58,900
• Equity at exit: $17,023

10-year hold

• IRR: 67.5%
• Equity multiple: 9.29×
• Total profit: $150,706
• Equity at exit: $19,059

Cash invested: $18,172 (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 21213

• Home prices YoY: -0.1%
• Rents YoY: 5.2%
• Active inventory: 319
• Price-to-rent: 3.1×

Monthly cashflow live

• Estimated rent: $1,750 high
• Mortgage (P&I): −$340
• Tax from tax record: −$98 /mo · $1,177/yr
• Insurance: −$27
• HOA: −$0
• Vacancy / Maint / Mgmt: −$368
• Net cashflow: $917

Break-even live

Break-even rent $589

Max offer price $64,900

Occupancy floor 43%

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: $16,225
• Closing costs: $1,947
• Reserves months: —
• Total cash needed: —

Rent comps 15 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
2410 E Federal St Baltimore, MD	4.0	2.0	720	$2,200	$3.06	23d	1	0.34mi
2221 E Preston St Baltimore, MD	2.0	1.0	658	$1,200	$1.82	23d	1	0.52mi
1607 Hakesley Pl Baltimore, MD	3.0	1.0	720	$1,400	$1.94	43d	1	0.72mi
3221 The Alameda Unit 2 Baltimore, MD	2.0	1.0	750	$1,200	$1.60	23d	1	1.09mi
500 N Rose St Baltimore, MD	3.0	2.0	520	$1,200	$2.31	4d	1	1.15mi
2821 Mathews St Unit 27-668 Baltimore, MD	2.0	1.0	730	$1,050	$1.44	23d	1	1.23mi
1100 Greenmount Ave Baltimore, MD	1.0–3.0	1.0–2.0	839	$2,584	$3.08	2d	1	1.28mi
1708 Latrobe St Baltimore, MD	2.0	1.0	750	$2,250	$3.00	23d	1	1.29mi
231 E North Ave Baltimore, MD	3.0	1.0	430	$1,200	$2.79	16d	3	1.32mi
520 Somerset St Baltimore, MD	1.0–2.0	1.0–2.0	634	$1,578	$2.49	43d	1	1.33mi
1040 E 33rd St Baltimore, MD	1.0–2.0	1.0–2.0	775	$1,525	$1.97	2d	10	1.39mi
1312 Guilford Ave Baltimore, MD	1.0–2.0	1.0–2.0	1040	$1,850	$1.78	43d	6	1.42mi
2315 St Paul St Baltimore, MD	1.0–2.0	1.0	579	$1,595	$2.75	1d	5	1.46mi
214 E Chase St Unit 2 Baltimore, MD	2.0	1.0	600	$1,185	$1.98	43d	1	1.47mi
103 E Mt Royal Ave Baltimore, MD	1.0–3.0	1.0–2.0	850	$2,624	$3.09	1d	17	1.48mi

Listing history 21 events

1. 2026-06-18
   days on market $64,900 Active 484 DOM
2. 2026-06-17
   days on market $64,900 Active 483 DOM
3. 2026-06-16
   days on market $64,900 Active 482 DOM
4. 2026-06-15
   days on market $64,900 Active 481 DOM
5. 2026-06-13
   days on market $64,900 Active 479 DOM
6. 2026-06-09
   days on market $64,900 Active 475 DOM
7. 2026-06-08
   days on market $64,900 Active 474 DOM
8. 2026-06-07
   days on market $64,900 Active 473 DOM
9. 2026-06-04
   days on market $64,900 Active 470 DOM
10. 2026-06-03
    days on market $64,900 Active 469 DOM
11. 2026-06-02
    days on market $64,900 Active 468 DOM
12. 2026-06-01
    days on market $64,900 Active 467 DOM
13. 2026-05-31
    days on market $64,900 Active 466 DOM
14. 2026-02-19
    price $64,900 668-char remark

    Show marketing remark (668 chars)

    Now is your chance to get in on the renovation revolution happening in this neighborhood. There are multiple homes on the block that are getting renovated and many more in close proximity. This one is ready to join the fight. This 3 bedroom 1 bath home has tons of potential. Open living room/dining room areas, a kitchen with room for a small table, concrete and covered front porch, fenced back yard, unfinished basement waiting for your inspiration and much more. This house needs repairs and is sold 100% as is. Inspections are for informational purposes only. The seller will not entertain any repairs. Don't miss your opportunity to get in before prices go up.

15. 2026-01-30
    price $69,900 668-char remark

    Show marketing remark (668 chars)

    Now is your chance to get in on the renovation revolution happening in this neighborhood. There are multiple homes on the block that are getting renovated and many more in close proximity. This one is ready to join the fight. This 3 bedroom 1 bath home has tons of potential. Open living room/dining room areas, a kitchen with room for a small table, concrete and covered front porch, fenced back yard, unfinished basement waiting for your inspiration and much more. This house needs repairs and is sold 100% as is. Inspections are for informational purposes only. The seller will not entertain any repairs. Don't miss your opportunity to get in before prices go up.

16. 2025-12-22
    price $79,900 668-char remark

    Show marketing remark (668 chars)

    Now is your chance to get in on the renovation revolution happening in this neighborhood. There are multiple homes on the block that are getting renovated and many more in close proximity. This one is ready to join the fight. This 3 bedroom 1 bath home has tons of potential. Open living room/dining room areas, a kitchen with room for a small table, concrete and covered front porch, fenced back yard, unfinished basement waiting for your inspiration and much more. This house needs repairs and is sold 100% as is. Inspections are for informational purposes only. The seller will not entertain any repairs. Don't miss your opportunity to get in before prices go up.

17. 2025-11-13
    price $89,900 668-char remark

    Show marketing remark (668 chars)

    Now is your chance to get in on the renovation revolution happening in this neighborhood. There are multiple homes on the block that are getting renovated and many more in close proximity. This one is ready to join the fight. This 3 bedroom 1 bath home has tons of potential. Open living room/dining room areas, a kitchen with room for a small table, concrete and covered front porch, fenced back yard, unfinished basement waiting for your inspiration and much more. This house needs repairs and is sold 100% as is. Inspections are for informational purposes only. The seller will not entertain any repairs. Don't miss your opportunity to get in before prices go up.

18. 2025-11-13
    status Active 668-char remark

    Show marketing remark (668 chars)

    Now is your chance to get in on the renovation revolution happening in this neighborhood. There are multiple homes on the block that are getting renovated and many more in close proximity. This one is ready to join the fight. This 3 bedroom 1 bath home has tons of potential. Open living room/dining room areas, a kitchen with room for a small table, concrete and covered front porch, fenced back yard, unfinished basement waiting for your inspiration and much more. This house needs repairs and is sold 100% as is. Inspections are for informational purposes only. The seller will not entertain any repairs. Don't miss your opportunity to get in before prices go up.

19. 2025-10-22
    historical 668-char remark

    Show marketing remark (668 chars)

    Now is your chance to get in on the renovation revolution happening in this neighborhood. There are multiple homes on the block that are getting renovated and many more in close proximity. This one is ready to join the fight. This 3 bedroom 1 bath home has tons of potential. Open living room/dining room areas, a kitchen with room for a small table, concrete and covered front porch, fenced back yard, unfinished basement waiting for your inspiration and much more. This house needs repairs and is sold 100% as is. Inspections are for informational purposes only. The seller will not entertain any repairs. Don't miss your opportunity to get in before prices go up.

20. 2025-01-29
    listed $104,500 Active 668-char remark

    Show marketing remark (668 chars)

    Now is your chance to get in on the renovation revolution happening in this neighborhood. There are multiple homes on the block that are getting renovated and many more in close proximity. This one is ready to join the fight. This 3 bedroom 1 bath home has tons of potential. Open living room/dining room areas, a kitchen with room for a small table, concrete and covered front porch, fenced back yard, unfinished basement waiting for your inspiration and much more. This house needs repairs and is sold 100% as is. Inspections are for informational purposes only. The seller will not entertain any repairs. Don't miss your opportunity to get in before prices go up.

21. 1994-09-15
    soldstatus $77,880

ⓘ 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: $1,177 · $98/mo
• Projected year-2 tax: $1,177 · $98/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 3/10 Moderate FEMA zone X (unshaded) · 20% chance over 30 yrs
• 🔥 Wildfire 1/10 Low
• 🌡 Heat 8/10 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 6 unhealthy d/yr today · 7 by 30 yrs out

Taxation est. · year 1

• Rental income: $21,004
• − Mortgage interest: −$3,635
• − Property taxes: −$1,177
• − Insurance: −$324
• − Repairs & maintenance: −$1,680
• − Management: −$1,680
• − Depreciation: −$1,888
• Taxable income: $10,619
• Est. tax owed @ 24.0%: −$2,548
• After-tax cash flow: $8,459/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): 28,058
• Household income: $51,344
• Rent vs Own: 48.0% rent · 52.0% own
• Severe rent burden: 1868.0

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: Predominantly Black (86%)
• Race & ethnicity: Black 86% White 6% Hispanic / Latino 4% Two or more races 3%
• Foreign-born: 3% · Canada
• Languages at home: 96% English-only · Spanish 3%

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: ▼ -0.57%
• Current HPI: 427.4453
• Rent YoY: ▲ 5.25%
• 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

-16.7% since first listed

8 events — show timeline

• 2026-02-19 Price Changed $64,900 BRIGHT MLS
• 2026-01-30 Price Changed $69,900 BRIGHT MLS
• 2025-12-22 Price Changed $79,900 BRIGHT MLS
• 2025-11-13 Price Changed $89,900 BRIGHT MLS
• 2025-11-13 Relisted — BRIGHT MLS
• 2025-10-22 Listing Removed — BRIGHT MLS
• 2025-01-29 Listed $104,500 BRIGHT MLS
• 1994-09-15 Sold (Public Records) $77,880 Public Records

Property tax history

+5.0%/yr

Latest (2025): $1,177 · +17.2% YoY. Source: county tax records.