2107 Cliftwood Ave · Baltimore, MD 21213

$57,900

3 bd · 1.0 ba · 588 sqft · Townhouse public records · 626 Days on market

Built 1920 Fair condition 1,306 sqft lot $98/sqft · 18% below area ↓ 17% since listing

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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
• 1% rule +10.0/10.0
• DSCR +10.0/10.0
• ARV discount +7.5/15.0
• Appreciation +4.7/10.0
• Rent growth +3.8/5.0
• Livability +3.8/5.0
• Condition / age +2.2/5.0
• Schools +0.4/10.0

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 625 days

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath townhouse listed at $58k. Condition is rated fair.

Deal economics

• At list price, monthly cash flow is $840 ($10k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $58k).
• Recommended offer: $51k (12.0% below list) — sets the bar for market timing.
• Cap rate 23.7% 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: 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.
• Zoned schools: Elmer A. Henderson: A Johns Hopkins Partnership (math 2% / reading 16%, grade F, #650 of 860 statewide, top 77%, 642 students, 80% FRL); Vanguard Collegiate Middle (math 3% / reading 15%, grade F, #212 of 225 statewide, top 95%, 343 students, 84% FRL); Baltimore Polytechnic Institute (math 71% / reading 84%, grade A-, #22 of 222 statewide, top 10%, 1,555 students, 43% FRL).
• Zoned-school proficiency averages 32% at this address vs 12% district-wide (+20 pts) — the actual schools serving this property are materially stronger than the Baltimore City Public Schools average implies; a family-tenant draw the district grade alone would hide.
• Market conditions: Rents rising fast (+5.2%/yr); 559 active listings in the ZIP; 30 comparable units currently listed for rent nearby; rentals lingering (median 45d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 53% of comp listings sitting > 30 days — soft ceiling on asking rent; 1,273 units permitted in Baltimore city in 2024 (1,104 in 5+ unit buildings).

Forward outlook

• In year one you build about $71 of equity ($400 loan paydown + $-329 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 $16k cash investment doubles in ~2 years — after that, you're playing with house money.

Negotiation context

• It's been on market 626 days — a 12% lower offer ($51k) is reasonable based on typical stale-listing flexibility.
• 2 sale attempts; this cycle's ask has dropped $47k (45%) 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 $50,952 (12.0% below list)

Questions for the listing agent

1. It's been on market 626 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
2. Have any recent inspections been done? Can we get a copy of the seller's disclosures and any deferred-maintenance estimates?
3. Built in 1920 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
4. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
5. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
6. 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?
7. 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?
8. 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.
9. 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.
10. 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: 2.77% ✓
• Cap rate: 23.71%
• Cash-on-cash: 62.19%
• DSCR: 3.77
• GRM: 3.0

CMA / ARV

• ARV (median comp): $130,000
• List price: $57,900
• Delta: -55.46%
• Verdict: UNDERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 7 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
2305 Ashland Ave	0.90mi	3/1.0	616 (+5%)	8mo	$78,000	$127	50
1116 Gorsuch Ave	1.11mi	3/1.0	640 (+9%)	2mo	$10,500	$16	49
1726 Normal Ave	0.30mi	3/1.0	520 (-12%)	33mo	$40,000	$77	47
1022 N Broadway	0.84mi	2/1.0 (-1)	640 (+9%)	4mo	$347,000	$542	42
506 N Patterson Park Ave	1.16mi	3/1.5	640 (+9%)	12mo	$78,000	$122	38
26 N Madeira St	1.45mi	2/2.0 (-1)	672 (+14%)	11mo	$103,000	$153	23
452 Pitman Pl	1.17mi	2/1.0 (-1)	720 (+22%)	20mo	$90,000	$125	18

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

Projected returns pro-forma

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

5-year hold

• IRR: 65.9%
• Equity multiple: 4.33×
• Total profit: $54,036
• Equity at exit: $15,187

10-year hold

• IRR: 69.1%
• Equity multiple: 9.51×
• Total profit: $137,969
• Equity at exit: $17,003

Cash invested: $16,212 (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 →

Active competition Active MLS

• For sale now: 1 active
• Median asking: $230,000 ($329/sqft)
• Median days on market: 198 d
• This list price: lowest-priced of the active set
• ARV vs active asking: -32.7% vs current asking $/sqft

Closed sales set the value; these active listings set current market conditions and a practical price ceiling.

ZIP-level market 21213

• Home prices YoY: -0.1%
• Rents YoY: 5.2%
• Active inventory: 559
• Price-to-rent: 3.0×

Monthly cashflow live

• Estimated rent: $1,602 high
• Mortgage (P&I): −$304
• Tax from tax record: −$98 /mo · $1,177/yr
• Insurance: −$24
• HOA: −$0
• Vacancy / Maint / Mgmt: −$337
• Net cashflow: $840

Break-even live

Break-even rent $539

Max offer price $57,900

Occupancy floor 43%

Sensitivity live

Price	-10% $873	-5% $857	+0% $840	+5% $824	+10% $807
Rent	-10% $714	-5% $777	+0% $840	+5% $903	+10% $967
Rate	-1.0pp $869	-0.5pp $855	base $840	+0.5pp $825	+1.0pp $810

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: $14,475
• Closing costs: $1,737
• Club membership (one-time): —
• Reserves months: —
• Total cash needed: —

Rent comps 30 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
2000 E North Ave Baltimore, MD	1.0–2.0	1.0	674	$951	$1.41	3d	7	0.12mi
2410 E Federal St Baltimore, MD	4.0	2.0	720	$2,200	$3.06	164d	1	0.34mi
2410 E Federal St Baltimore, MD	4.0	2.0	720	$2,200	$3.06	1d	1	0.34mi
1825 E Federal St Baltimore, MD	2.0	1.0	630	$1,750	$2.78	45d	1	0.38mi
1705 E Lanvale St Baltimore, MD	3.0	2.0	550	$1,500	$2.73	10d	1	0.41mi
1705 E Lanvale St Baltimore, MD	3.0	2.0	550	$1,500	$2.73	24d	1	0.41mi
2221 E Preston St Baltimore, MD	2.0	1.0	658	$1,200	$1.82	164d	1	0.52mi
1737 N Dallas St Unit 1 Baltimore, MD	2.0	1.0	692	$1,352	$1.95	138d	1	0.55mi
1607 Hakesley Pl Baltimore, MD	3.0	1.0	720	$1,400	$1.94	10d	1	0.72mi
1503 E 28th St Unit 2 Baltimore, MD	2.0	1.0	500	$1,100	$2.20	121d	1	0.82mi
1223 N Eden St Unit 1111-1223-1 Baltimore, MD	2.0	1.0	600	$1,425	$2.38	9d	1	0.82mi
2506 E Madison St Baltimore, MD	3.0	1.0	546	$1,600	$2.93	45d	1	0.95mi
707 N Duncan St Baltimore, MD	2.0	1.5	390	$1,290	$3.31	1d	1	0.96mi
3221 The Alameda Unit 2 Baltimore, MD	2.0	1.0	750	$1,200	$1.60	164d	1	1.09mi
509 N Bradford St Baltimore, MD	2.0	1.0	642	$1,400	$2.18	74d	1	1.11mi
500 N Rose St Baltimore, MD	3.0	2.0	520	$1,400	$2.69	123d	1	1.15mi
500 N Rose St Baltimore, MD	3.0	2.0	520	$1,400	$2.69	1d	1	1.15mi
408 N Chester St Baltimore, MD	2.0	1.0	720	$1,600	$2.22	49d	1	1.18mi
1708 Latrobe St Baltimore, MD	2.0	1.0	750	$2,250	$3.00	10d	1	1.29mi
339 E 25th St Unit 2 Baltimore, MD	2.0	1.0	750	$1,495	$1.99	10d	1	1.30mi
339 E 25th St Baltimore, MD	2.0	1.0	750	$1,495	$1.99	133d	1	1.30mi
231 E North Ave Baltimore, MD	3.0	1.0	615	$1,200	$1.95	128d	5	1.32mi
520 Somerset St Baltimore, MD	1.0–2.0	1.0–2.0	317	$1,578	$4.98	10d	1	1.33mi
200 E 22nd St Unit 1 Baltimore, MD	2.0	1.0	680	$1,450	$2.13	115d	1	1.37mi
1040 E 33rd St Baltimore, MD	1.0–2.0	1.0–2.0	777	$1,325	$1.70	1d	3	1.39mi
1312 Guilford Ave Baltimore, MD	1.0–2.0	1.0–2.0	1040	$1,850	$1.78	184d	6	1.42mi
1312 Guilford Ave Baltimore, MD	1.0–2.0	1.0–2.0	769	$1,809	$2.35	0d	9	1.42mi
18 N Madeira St Baltimore, MD	2.0	2.5	744	$1,725	$2.32	15d	1	1.42mi
16 N Madeira St Baltimore, MD	2.0	2.0	750	$1,299	$1.73	55d	1	1.43mi
214 E Chase St Unit 2 Baltimore, MD	2.0	1.0	600	$1,185	$1.98	184d	1	1.47mi

Listing history 50 events

1. 2026-11-08
   days on market $57,900 Active 626 DOM
2. 2026-11-07
   days on market $57,900 Active 625 DOM
3. 2026-11-06
   days on market $57,900 Active 624 DOM
4. 2026-11-05
   days on market $57,900 Active 623 DOM
5. 2026-11-04
   days on market $57,900 Active 622 DOM
6. 2026-11-02
   days on market $57,900 Active 620 DOM
7. 2026-11-01
   days on market $57,900 Active 619 DOM
8. 2026-10-31
   days on market $57,900 Active 618 DOM
9. 2026-10-30
   days on market $57,900 Active 617 DOM
10. 2026-10-29
    days on market $57,900 Active 616 DOM
11. 2026-10-28
    days on market $57,900 Active 615 DOM
12. 2026-10-27
    days on market $57,900 Active 614 DOM
13. 2026-10-26
    days on market $57,900 Active 613 DOM
14. 2026-10-26
    days on market $57,900 Active 612 DOM
15. 2026-10-24
    days on market $57,900 Active 611 DOM
16. 2026-10-23
    days on market $57,900 Active 610 DOM
17. 2026-10-22
    days on market $57,900 Active 609 DOM
18. 2026-10-21
    days on market $57,900 Active 608 DOM
19. 2026-10-20
    days on market $57,900 Active 607 DOM
20. 2026-10-19
    days on market $57,900 Active 606 DOM
21. 2026-10-18
    days on market $57,900 Active 605 DOM
22. 2026-10-17
    days on market $57,900 Active 604 DOM
23. 2026-10-16
    days on market $57,900 Active 603 DOM
24. 2026-10-15
    days on market $57,900 Active 602 DOM
25. 2026-10-14
    days on market $57,900 Active 601 DOM
26. 2026-10-13
    days on market $57,900 Active 600 DOM
27. 2026-10-12
    days on market $57,900 Active 599 DOM
28. 2026-10-11
    days on market $57,900 Active 598 DOM
29. 2026-10-10
    days on market $57,900 Active 597 DOM
30. 2026-10-09
    days on market $57,900 Active 596 DOM
31. 2026-10-08
    days on market $57,900 Active 595 DOM
32. 2026-10-07
    days on market $57,900 Active 594 DOM
33. 2026-10-06
    days on market $57,900 Active 593 DOM
34. 2026-10-05
    days on market $57,900 Active 592 DOM
35. 2026-10-04
    days on market $57,900 Active 591 DOM
36. 2026-10-04
    days on market $57,900 Active 590 DOM
37. 2026-10-02
    days on market $57,900 Active 589 DOM
38. 2026-10-01
    days on market $57,900 Active 588 DOM
39. 2026-09-30
    days on market $57,900 Active 587 DOM
40. 2026-09-29
    days on market $57,900 Active 586 DOM
41. 2026-09-28
    pricedays on market $57,900 Active 585 DOM
42. 2026-09-27
    days on market $64,900 Active 584 DOM
43. 2026-09-25
    days on market $64,900 Active 582 DOM
44. 2026-09-24
    days on market $64,900 Active 581 DOM
45. 2026-09-23
    days on market $64,900 Active 580 DOM
46. 2026-09-22
    days on market $64,900 Active 579 DOM
47. 2026-09-21
    days on market $64,900 Active 578 DOM
48. 2026-09-20
    days on market $64,900 Active 577 DOM
49. 2026-09-19
    days on market $64,900 Active 576 DOM
50. 2026-09-18
    days on market $64,900 Active 575 DOM

ⓘ 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: $19,230
• − Mortgage interest: −$3,243
• − Property taxes: −$1,177
• − Insurance: −$290
• − Repairs & maintenance: −$1,538
• − Management: −$1,538
• − Depreciation: −$1,684
• Taxable income: $9,759
• Est. tax owed @ 24.0%: −$2,342
• After-tax cash flow: $7,739/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.

Condition & rehab AI · 10 photos

Fair 45/100 Moderate rehab Est. rehab $14,700–$26,460 screening

This 3-bedroom townhouse requires moderate renovations, including kitchen and bathroom updates, and painting. It has potential for increased value with these improvements.

Deferred maintenance Est. $10,000–$30,000 screening

• Major Ceiling (roof|hvac|water heater|windows|electrical|plumbing|exterior|other) — visible cracks and damage to ceiling structure

Repairs flagged

• Moderate Kitchen cabinets — Older cabinets and dated countertops need updating
• Major Bathroom fixtures — Small, outdated fixtures and dated tile need replacement
• Major Paint — Painted walls with visible wear and tear need repainting

Value-add opportunities

• Resale Kitchen renovation — Updating the kitchen will attract more buyers and increase its value ↑
• Resale Bathroom renovation — Renovating the bathroom will make the home more appealing to potential buyers ↑
• Both Painting — Repainting the walls will improve the home's curb appeal and interior aesthetics ↑

ⓘ Rehab cost is a screening estimate — Moderate scope × the home's square footage at US $/sqft rules of thumb (the same model as the Flip Finder). Get contractor quotes + a written scope before underwriting.

F Composite school gradezoned avg 4/100

Zoned Schools

Elementary Harford Heights Elementary F MD #826/860 Nat'l #41,309/41,679 Middle Booker T. Washington Middle F MD #223/225 Nat'l #13,819/14,009 High The Reach! Partnership School F MD #208/222 Nat'l #16,861/17,239

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

B Composite livability gradescore 76/100

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 · 624,249 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: 23% of renters

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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%

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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%
• Languages at home: 96% English-only · Spanish 3%

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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

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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.