2215 Mount Holly St · Baltimore, MD
Flood risk 1/10 · Minimal
- FEMA flood zone
- X (unshaded)
- Chance of flooding over 30 yrs
- 0.0%
- Est. flood insurance / yr
- $473 – $860
Fire risk 1/10 · Minimal
- Est. fire insurance / yr
- $755 – $1,403
Heat risk 6/10 · Moderate
- Hot days now (above 103°F)
- 7 days/yr
- Hot days in 30 yrs
- 15 days/yr
Wind risk 5/10 · Moderate
- Chance of severe wind over 30 yrs
- 24.0%
Air-quality risk 3/10 · Minor
- Unhealthy air days now
- 3 days/yr
- Unhealthy air days in 30 yrs
- 4 days/yr
Risk factors via First Street. Map © Google.
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
- Rent growth +4.0/5.0
- Livability +3.8/5.0
- Condition / age +2.5/5.0
- Schools +1.0/10.0
- Appreciation +0.0/10.0
$64,900
🖨 Deal sheet 📄 Offer letter ✓ Due diligence
Listing remarks MLS
* * * PRICE IMPROVEMENT * * * 4BR/ 2 BA semi detached townhome with a rear porch that leads to a fenced yard. The home is conveniently located to major travel routes, shopping and restaurants.
Key facts
- Fenced yard
- Rear porch
- Conveniently located
Tags
Neighborhood map
What this means for you Summary
Snapshot
- This is a 4-bed/2.0-bath townhouse listed at $65k.
Deal economics
- At list price, monthly cash flow is $1k ($15k/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 29.5% 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 (+6.1%/yr); 252 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals at typical pace (median 24d on market — plan ~3-4 weeks tenant-placement turnaround); lower-income renter base — watch delinquency; 1,273 units permitted in Baltimore city in 2024 (1,104 in 5+ unit buildings).
- At $2,158/mo this rent would consume 62% of the median local household income ($42k/yr) (locally 2264% of renters already pay >50% of income on rent) — very limited rent-growth headroom before tenants either downsize or default.
Forward outlook
- Local home prices are declining (-3.0%/yr); year-one equity from $449 of loan paydown is wiped out by about $2k of value loss. Plan a longer hold.
- Baltimore County population projected to shrink 4% by 2050 — rents likely to lag national; underwrite the cash flow, not the appreciation.
- At projected returns (-3.0% appreciation + 6.1% 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 355 days — a 12% lower offer ($57k) is reasonable based on typical stale-listing flexibility.
- 7 sale attempts since 27y ago; this cycle's ask has dropped $72k (53%) 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: moderate wind risk, 24% 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.
Questions for the listing agent
- It's been on market 355 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
- Built in 1920 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
- Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
- Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
- 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?
- 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?
- 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.
- 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.
- 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
- 3.32% ✓
- Cap rate
- 29.52%
- Cash-on-cash
- 82.95%
- DSCR
- 4.69
- GRM
- 2.5
CMA / ARV
- ARV (median comp)
- $182,499
- List price
- $64,900
- Delta
- -64.44%
- Verdict
- UNDERPRICED
- Comps
- 20 within 1.0 mi
Show comp detail 12 sales within ~0.75 mi
| Address | Dist | Beds/Ba | Sqft | Sold | Price | $/sf | Match |
|---|---|---|---|---|---|---|---|
| 3433 Piedmont Ave | 0.38mi | 3/1.5 (-1) | 1,650 (-0%) | 5mo | $123,900 | $75 | 71 |
| 1640 N Ellamont St | 0.70mi | 3/1.5 (-1) | 1,650 (-0%) | 4mo | $65,000 | $39 | 56 |
| 3015 Windsor Ave | 0.72mi | 3/2.5 (-1) | 1,674 (+1%) | 2mo | $240 | — | 55 |
| 2307 N Ellamont St | 0.58mi | 4/1.5 | 1,520 (-8%) | 6mo | $205,000 | $135 | 53 |
| 4008 Bonner Rd | 0.68mi | 3/2.0 (-1) | 1,564 (-5%) | 5mo | $145,000 | $93 | 50 |
| 4030 Fairfax Rd | 0.62mi | 4/2.0 | 1,832 (+11%) | 6mo | $234,000 | $128 | 48 |
| 4004 Fairfax Rd | 0.63mi | 4/2.0 | 1,832 (+11%) | 6mo | $235,640 | $129 | 48 |
| 3031 Hanlon Ave | 0.68mi | 3/2.0 (-1) | 1,820 (+10%) | 1mo | $260,000 | $143 | 46 |
| 3204 Piedmont Ave | 0.59mi | 4/3.0 | 1,890 (+14%) | 1mo | $300,000 | $159 | 43 |
| 3202 Piedmont Ave | 0.60mi | 4/3.0 | 1,890 (+14%) | 1mo | $299,900 | $159 | 43 |
| 3028 Windsor Ave | 0.69mi | 4/1.5 | 1,444 (-13%) | 6mo | $185,000 | $128 | 40 |
| 4110 Fairview Ave | 0.75mi | 3/1.5 (-1) | 1,464 (-11%) | 0mo | $150,000 | $102 | 39 |
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 · 6.1% rent growth · sell at horizon
- IRR
- 86.8%
- Equity multiple
- 5.21×
- Total profit
- $76,462
- Equity at exit
- $9,677
- IRR
- 90.6%
- Equity multiple
- 12.01×
- Total profit
- $200,084
- Equity at exit
- $5,611
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
ZIP-level market 21216
- Rents YoY
- 6.1%
- Active inventory
- 252
- Price-to-rent
- 2.5×
Monthly cashflow live
- Estimated rent
- $2,158 high interval (Pro) →
- Mortgage (P&I)
- −$340
- Tax est. 1.5%
- −$81 /mo · $974/yr
- Insurance
- −$27
- HOA
- −$0
- Vacancy / Maint / Mgmt
- −$453
- Net cashflow
- $1,256
Break-even live
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
- —
Loan-product check · same deal, 3 products live
Conventional
25% down · 7.5% · 30yr
- Down + closing
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
Personal DTI + credit; lowest rate.
DSCR
20% down · 8.5% · 30yr
- Down + closing
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
No personal income docs; deal must DSCR.
Hard money
10% down · 12.0% · 12mo
- Down + closing
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
Short-term bridge; refi at stabilization.
Rent comps 40 comps
| Address | Beds | Baths | Sqft | Rent | $/sqft | DOM | Units | Dist |
|---|---|---|---|---|---|---|---|---|
| 3904 Gwynns Falls Pkwy Baltimore, MD | 3.0 | 2.0 | 1772 | $2,600 | $1.47 | 43d | 1 | 0.08mi |
| 2103 Chelsea Ter Unit 2 Baltimore, MD | 3.0 | 1.5 | 1500 | $2,100 | $1.40 | 14d | 1 | 0.14mi |
| 1633 N Hilton St Baltimore, MD | 4.0 | 2.5 | 1920 | $2,600 | $1.35 | 17d | 1 | 0.69mi |
| 3028 Hanlon Ave Baltimore, MD | 3.0 | 2.0 | 1200 | $1,711 | $1.43 | 23d | 1 | 0.70mi |
| 3030 Windsor Ave Baltimore, MD | 4.0 | 1.5 | 2124 | $1,995 | $0.94 | 4d | 1 | 0.70mi |
| 3309 Brighton St Baltimore, MD | 3.0 | 1.0 | 1134 | $1,700 | $1.50 | 43d | 1 | 0.76mi |
| 1513 N Ellamont St Baltimore, MD | 3.0 | 1.0 | 1700 | $1,700 | $1.00 | 23d | 1 | 0.84mi |
| 2917 Clifton Ave Baltimore, MD | 4.0 | 4.0 | 1700 | $2,150 | $1.26 | 23d | 1 | 0.84mi |
| 1530 N Rosedale St Baltimore, MD | 3.0 | 2.0 | 1641 | $1,895 | $1.15 | 14d | 1 | 0.86mi |
| 4113 Mountwood Rd Baltimore, MD | 3.0 | 1.0 | 1520 | $1,795 | $1.18 | 43d | 1 | 0.87mi |
| 2812 Clifton Ave Baltimore, MD | 3.0 | 1.5 | 1650 | $1,850 | $1.12 | 43d | 1 | 0.93mi |
| 3238 Westmont Ave Baltimore, MD | 3.0 | 1.0 | 1280 | $1,600 | $1.25 | 43d | 1 | 1.00mi |
| 1402 Poplar Grove St Baltimore, MD | 4.0 | 1.5 | 1540 | $800 | $0.52 | 43d | 1 | 1.08mi |
| 3700 Woodridge Rd Baltimore, MD | 3.0 | 1.5 | 1955 | $1,950 | $1.00 | 43d | 1 | 1.09mi |
| 2800 Presstman St Baltimore, MD | 3.0 | 2.5 | 1460 | $1,799 | $1.23 | 23d | 1 | 1.12mi |
| 798 N Grantley St Baltimore, MD | 3.0 | 2.0 | 1360 | $2,295 | $1.69 | 23d | 1 | 1.12mi |
| 917 Kevin Rd Baltimore, MD | 3.0 | 2.0 | 1151 | $1,795 | $1.56 | 2d | 1 | 1.12mi |
| 787 N Grantley St Baltimore, MD | 3.0 | 1.0 | 1116 | $1,575 | $1.41 | 23d | 1 | 1.15mi |
| 780 Linnard St Baltimore, MD | 3.0 | 2.0 | 1224 | $1,590 | $1.30 | 43d | 1 | 1.16mi |
| 2636 W North Ave Baltimore, MD | 2.0–3.0 | 1.0–2.0 | 975 | $1,475 | $1.51 | 4d | 1 | 1.17mi |
| 4020 Gelston Dr Baltimore, MD | 3.0 | 2.0 | 1270 | $1,875 | $1.48 | 43d | 1 | 1.19mi |
| 3712 Gelston Dr Baltimore, MD | 3.0 | 2.0 | 1250 | $2,500 | $2.00 | 23d | 1 | 1.19mi |
| 730 Linnard St Unit 1 Baltimore, MD | 4.0 | 1.0 | 1360 | $1,750 | $1.29 | 23d | 1 | 1.22mi |
| 623 N Grantley St Baltimore, MD | 4.0 | 2.0 | 1250 | $2,000 | $1.60 | 23d | 1 | 1.27mi |
| 3104 Tioga Pkwy Baltimore, MD | 3.0 | 2.0 | 1640 | $2,050 | $1.25 | 21d | 1 | 1.27mi |
| 2728 Winchester St Baltimore, MD | 3.0 | 1.5 | 1260 | $1,800 | $1.43 | 3d | 1 | 1.30mi |
| 2806 Riggs Ave Baltimore, MD | 3.0 | 2.5 | 1412 | $1,900 | $1.35 | 3d | 1 | 1.30mi |
| 5136 Oaklawn Rd Gwynn Oak, MD | 1.0–3.0 | 1.0 | 896 | $1,710 | $1.91 | 1d | 22 | 1.33mi |
| 3204 Sequoia Ave Baltimore, MD | 4.0 | 2.5 | 1791 | $2,600 | $1.45 | 43d | 1 | 1.34mi |
| 3619 Edmondson Ave Baltimore, MD | 4.0 | 3.5 | 1962 | $2,800 | $1.43 | 43d | 1 | 1.35mi |
| 3507 Edmondson Ave Baltimore, MD | 4.0 | 2.0 | 1428 | $2,300 | $1.61 | 43d | 1 | 1.37mi |
| 715 N Rosedale St Baltimore, MD | 5.0 | 3.0 | 1542 | $2,550 | $1.65 | 43d | 1 | 1.37mi |
| 2744 W Mosher St Baltimore, MD | 4.0 | 2.0 | 1412 | $2,100 | $1.49 | 23d | 1 | 1.38mi |
| 3015 Rayner Ave Baltimore, MD | 3.0 | 1.0 | 1152 | $1,350 | $1.17 | 43d | 1 | 1.40mi |
| 2405 W North Ave Baltimore, MD | 4.0 | 3.0 | 1826 | $1,900 | $1.04 | 4d | 1 | 1.41mi |
| 2401 W North Ave Baltimore, MD | 5.0 | 2.0 | 2037 | $1,800 | $0.88 | 4d | 1 | 1.41mi |
| 4998 W Forest Park Ave Baltimore, MD | 3.0 | 1.0–2.0 | 790 | $1,875 | $2.37 | 14d | 15 | 1.44mi |
| 409 Normandy Ave Baltimore, MD | 4.0 | 1.0 | 1640 | $1,500 | $0.91 | 23d | 1 | 1.45mi |
| 5215 Muth Ave Gwynn Oak, MD | 3.0 | 3.0 | 1205 | $2,700 | $2.24 | 14d | 1 | 1.48mi |
| 405 N Edgewood St Baltimore, MD | 4.0 | 2.0 | 1408 | $2,950 | $2.10 | 4d | 1 | 1.49mi |
Listing history 32 events
-
2026-04-25price $64,900 200-char remark
Show marketing remark (200 chars)
* * * PRICE IMPROVEMENT * * * 4BR/ 2 BA semi detached townhome with a rear porch that leads to a fenced yard. The home is conveniently located to major travel routes, shopping and restaurants.
-
2026-04-07status Active 200-char remark
Show marketing remark (200 chars)
* * * PRICE IMPROVEMENT * * * 4BR/ 2 BA semi detached townhome with a rear porch that leads to a fenced yard. The home is conveniently located to major travel routes, shopping and restaurants.
-
2026-04-05historical 200-char remark
Show marketing remark (200 chars)
* * * PRICE IMPROVEMENT * * * 4BR/ 2 BA semi detached townhome with a rear porch that leads to a fenced yard. The home is conveniently located to major travel routes, shopping and restaurants.
-
2026-03-21price $69,900 200-char remark
Show marketing remark (200 chars)
* * * PRICE IMPROVEMENT * * * 4BR/ 2 BA semi detached townhome with a rear porch that leads to a fenced yard. The home is conveniently located to major travel routes, shopping and restaurants.
-
2026-03-21status Active 200-char remark
Show marketing remark (200 chars)
* * * PRICE IMPROVEMENT * * * 4BR/ 2 BA semi detached townhome with a rear porch that leads to a fenced yard. The home is conveniently located to major travel routes, shopping and restaurants.
-
2026-01-23status Pending 200-char remark
Show marketing remark (200 chars)
* * * PRICE IMPROVEMENT * * * 4BR/ 2 BA semi detached townhome with a rear porch that leads to a fenced yard. The home is conveniently located to major travel routes, shopping and restaurants.
-
2025-12-18price $74,900 200-char remark
Show marketing remark (200 chars)
* * * PRICE IMPROVEMENT * * * 4BR/ 2 BA semi detached townhome with a rear porch that leads to a fenced yard. The home is conveniently located to major travel routes, shopping and restaurants.
-
2025-11-19price $84,900 200-char remark
Show marketing remark (200 chars)
* * * PRICE IMPROVEMENT * * * 4BR/ 2 BA semi detached townhome with a rear porch that leads to a fenced yard. The home is conveniently located to major travel routes, shopping and restaurants.
-
2025-10-17price $94,900 200-char remark
Show marketing remark (200 chars)
* * * PRICE IMPROVEMENT * * * 4BR/ 2 BA semi detached townhome with a rear porch that leads to a fenced yard. The home is conveniently located to major travel routes, shopping and restaurants.
-
2025-09-12price $105,900 200-char remark
Show marketing remark (200 chars)
* * * PRICE IMPROVEMENT * * * 4BR/ 2 BA semi detached townhome with a rear porch that leads to a fenced yard. The home is conveniently located to major travel routes, shopping and restaurants.
-
2025-08-12price $111,500 200-char remark
Show marketing remark (200 chars)
* * * PRICE IMPROVEMENT * * * 4BR/ 2 BA semi detached townhome with a rear porch that leads to a fenced yard. The home is conveniently located to major travel routes, shopping and restaurants.
-
2025-07-10price $117,500 200-char remark
Show marketing remark (200 chars)
* * * PRICE IMPROVEMENT * * * 4BR/ 2 BA semi detached townhome with a rear porch that leads to a fenced yard. The home is conveniently located to major travel routes, shopping and restaurants.
-
2025-06-09price $123,500 200-char remark
Show marketing remark (200 chars)
* * * PRICE IMPROVEMENT * * * 4BR/ 2 BA semi detached townhome with a rear porch that leads to a fenced yard. The home is conveniently located to major travel routes, shopping and restaurants.
-
2025-05-08price $130,000 200-char remark
Show marketing remark (200 chars)
* * * PRICE IMPROVEMENT * * * 4BR/ 2 BA semi detached townhome with a rear porch that leads to a fenced yard. The home is conveniently located to major travel routes, shopping and restaurants.
-
2025-04-07$137,000 Active 200-char remark
Show marketing remark (200 chars)
* * * PRICE IMPROVEMENT * * * 4BR/ 2 BA semi detached townhome with a rear porch that leads to a fenced yard. The home is conveniently located to major travel routes, shopping and restaurants.
-
2008-04-22soldstatus $114,500
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2008-03-24soldstatus $114,500 Sold 181-char remark
Show marketing remark (181 chars)
LARGE SEMI-DETACHED HOME WITH LARGE KITCHEN, SPACIOUS BEDROOMS, REPLACEMENT WINDOWS, NEW ROOF AND FINISHED FRONT BASEMENT. FRESHLEY PAINTED THROUGH-OUT. ALL U HAVE TO DO IS MOVE IN.
-
2008-02-23historical 181-char remark
Show marketing remark (181 chars)
LARGE SEMI-DETACHED HOME WITH LARGE KITCHEN, SPACIOUS BEDROOMS, REPLACEMENT WINDOWS, NEW ROOF AND FINISHED FRONT BASEMENT. FRESHLEY PAINTED THROUGH-OUT. ALL U HAVE TO DO IS MOVE IN.
-
2007-11-01price $117,900 181-char remark
Show marketing remark (181 chars)
LARGE SEMI-DETACHED HOME WITH LARGE KITCHEN, SPACIOUS BEDROOMS, REPLACEMENT WINDOWS, NEW ROOF AND FINISHED FRONT BASEMENT. FRESHLEY PAINTED THROUGH-OUT. ALL U HAVE TO DO IS MOVE IN.
-
2007-10-15price $118,900 181-char remark
Show marketing remark (181 chars)
LARGE SEMI-DETACHED HOME WITH LARGE KITCHEN, SPACIOUS BEDROOMS, REPLACEMENT WINDOWS, NEW ROOF AND FINISHED FRONT BASEMENT. FRESHLEY PAINTED THROUGH-OUT. ALL U HAVE TO DO IS MOVE IN.
-
2007-10-01price $119,900 181-char remark
Show marketing remark (181 chars)
LARGE SEMI-DETACHED HOME WITH LARGE KITCHEN, SPACIOUS BEDROOMS, REPLACEMENT WINDOWS, NEW ROOF AND FINISHED FRONT BASEMENT. FRESHLEY PAINTED THROUGH-OUT. ALL U HAVE TO DO IS MOVE IN.
-
2007-09-24price $125,000 181-char remark
Show marketing remark (181 chars)
LARGE SEMI-DETACHED HOME WITH LARGE KITCHEN, SPACIOUS BEDROOMS, REPLACEMENT WINDOWS, NEW ROOF AND FINISHED FRONT BASEMENT. FRESHLEY PAINTED THROUGH-OUT. ALL U HAVE TO DO IS MOVE IN.
-
2007-07-26$129,900 181-char remark
Show marketing remark (181 chars)
LARGE SEMI-DETACHED HOME WITH LARGE KITCHEN, SPACIOUS BEDROOMS, REPLACEMENT WINDOWS, NEW ROOF AND FINISHED FRONT BASEMENT. FRESHLEY PAINTED THROUGH-OUT. ALL U HAVE TO DO IS MOVE IN.
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2007-07-11historical
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2007-03-01
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2006-09-28historical
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2006-05-17
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2006-05-02soldstatus $66,482
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1999-11-30soldstatus $18,000
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1999-10-19soldstatus $18,000
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1999-09-01historical
-
1999-07-19$20,000
ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot
backfill from property_details.listing_events for pre-trigger history.
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 · 15 d/yr by 30 yrs out
- Wind 5/10 Major 24% chance of damaging wind over 30 yrs
- Air quality 3/10 Moderate 3 unhealthy d/yr today · 4 by 30 yrs out
Nearby sold comps map
Loading sold comps map…
Walkable amenities ~0.75 mi
Loading nearby amenities…
Taxation est. · year 1
- Rental income
- $25,894
- − Mortgage interest
- −$3,635
- − Property taxes
- −$974
- − Insurance
- −$324
- − Repairs & maintenance
- −$2,072
- − Management
- −$2,072
- − Depreciation
- −$1,888
- Taxable income
- $14,930
- Est. tax owed @ 24.0%
- −$3,583
- After-tax cash flow
- $11,491/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
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)
- 29,426
- Household income
- $42,031
- Rent vs Own
- Severe rent burden
- 2264.0
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 (91%)
- Race & ethnicity
- Black 91% Hispanic / Latino 4% Two or more races 3% White 2%
- Foreign-born
- 3% · Canada
- Languages at home
- 96% English-only · Spanish 3% French/Haitian/Cajun 1%
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
- ▼ -107.42%
- Current HPI
- 164.3933
- Rent YoY
- ▲ 6.10%
- 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 |
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| Utilities | 1 | $25B |
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| Hotels | 1 | $24B |
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| Consumer Goods | 1 | $7B |
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| Real Estate | 1 | $6B |
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| Chemicals | 1 | $2B |
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Price history
+224.5% since first listed32 events — show timeline
- 2026-04-25 Price Changed $64,900 BRIGHT MLS
- 2026-04-07 Relisted — BRIGHT MLS
- 2026-04-05 Listing Removed — BRIGHT MLS
- 2026-03-21 Price Changed $69,900 BRIGHT MLS
- 2026-03-21 Relisted — BRIGHT MLS
- 2026-01-23 Pending — BRIGHT MLS
- 2025-12-18 Price Changed $74,900 BRIGHT MLS
- 2025-11-19 Price Changed $84,900 BRIGHT MLS
- 2025-10-17 Price Changed $94,900 BRIGHT MLS
- 2025-09-12 Price Changed $105,900 BRIGHT MLS
- 2025-08-12 Price Changed $111,500 BRIGHT MLS
- 2025-07-10 Price Changed $117,500 BRIGHT MLS
- 2025-06-09 Price Changed $123,500 BRIGHT MLS
- 2025-05-08 Price Changed $130,000 BRIGHT MLS
- 2025-04-07 Listed $137,000 BRIGHT MLS
- 2008-04-22 Sold (Public Records) $114,500 Public Records
- 2008-03-24 Sold (MLS) $114,500 MRIS
- 2008-02-23 Delisted — MRIS
- 2007-11-01 Price Changed $117,900 MRIS
- 2007-10-15 Price Changed $118,900 MRIS
- 2007-10-01 Price Changed $119,900 MRIS
- 2007-09-24 Price Changed $125,000 MRIS
- 2007-07-26 Listed $129,900 MRIS
- 2007-07-11 Delisted — MRIS
- 2007-03-01 Listed — MRIS
- 2006-09-28 Delisted — MRIS
- 2006-05-17 Listed — MRIS
- 2006-05-02 Sold (Public Records) $66,482 Public Records
- 1999-11-30 Sold (MLS) $18,000 MRIS
- 1999-10-19 Sold (Public Records) $18,000 Public Records
- 1999-09-01 Delisted — MRIS
- 1999-07-19 Listed $20,000 MRIS
Property tax history
+5.3%/yrLatest (2025): $3,514 · +7.6% YoY. Source: county tax records.
Cash-flow waterfall
monthlySold comps — $/sqft
last 12 mo · ≤1 miLoading sold comps…