3739 Lochearn Dr · Lochearn, MD 21207

$349,900

3 bd · 1.0 ba · 1,388 sqft · SingleFamily public records · 30 Days on market

Built 1949 9,720 sqft lot $252/sqft · 109% above area Est $335k · at est.

---

Why this score? — see what drove the F 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).

• Appreciation +9.8/10.0
• Cash flow +6.1/30.0
• ARV discount +5.5/15.0
• Rent growth +3.8/5.0
• Livability +3.7/5.0
• Condition / age +2.5/5.0
• Schools +2.3/10.0
• 1% rule +0.7/10.0
• DSCR +0.4/10.0

Listing remarks MLS

3BR, 2BA Brick Rancher. Fireplace in Living Room. Finished Lower Level W/ Full Bath & Bedroom. Glass Block Wet Bar for entertaining. Detached Garage. Large Driveway/Off Street Parking. Front Porch. Established neighborhood w/ mature trees. BANK OWNED SOLD "AS IS". BUYER TO VERIFY ALL INFORMATION INCLUDING GROUND RENT (IF ONE EXISTS, SELLER WILL OT REDEEM).

Key facts

• 9,720 sq ft lot
• Garage
• Built 1949

Property features AI

Finance

• HOA & community: Ground rent paid annually

Exterior

• Parking: Detached front-entry garage (1-car); Asphalt driveway with 3 spaces; On-street parking and additional off-street spaces (total up to 4)
• Utilities: Public water; Public sewer; Natural gas available; Electric available; Cable TV available; Municipal trash service; Natural gas hot water
• Home design: Detached property; Building not winterized; Not in a federal flood zone; Fee simple ownership; Property in very good condition
• Construction: Brick construction; Concrete perimeter foundation; Above-grade and below-grade structures
• Exterior features: Porch(es); Sidewalks; Street lights; Rear yard; Walkout stairs to outside entrance

Interior

• Kitchen: Built-in microwave; Dishwasher; Disposal; Gas range / oven; Refrigerator; Exhaust fan; Galley-style kitchen
• Bedrooms: Two bedrooms on the main level; One bedroom on the lower level
• Flooring: Carpet; Wood floors; Ceramic tile; Luxury vinyl plank
• Bathrooms: Two full bathrooms (one on main level, one on lower level)
• Heating & cooling: Central heating (forced air); Natural gas heat; Central air conditioning; Ceiling fans
• Interior features: Combination dining/living area; Open, traditional floor plan with galley kitchen; Dining area; Ceiling fan(s); Six-panel and storm doors
• Laundry & utility: Front-loading washer and dryer in unit; Laundry on lower floor; Utility room; Water heater

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $350k.

Deal economics

• At list price, monthly cash flow is $-657 ($-8k/yr) — negative.
• To cash-flow at today's rent, offer at most $234k (33.2% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $201k (42.7% below list).
• Recommended offer: $201k (42.7% below list) — sets the bar for 1% rule.

Location & tenants

• Location reads 74/100 on livability (#112 in MD, #4,539 nationally) — a middle-class / working-renter tenant base. Strengths: commute A+, housing A+, employment A-; Watch: crime F, amenities F.
• Baltimore County Public Schools (suburban): math 15% / reading 34% proficiency, ranked #11 of 24 in MD (top 46%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover.
• Market conditions: Rents rising fast (+5.2%/yr); 132 active listings in the ZIP; 22 comparable units currently listed for rent nearby; rentals lingering (median 45d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 50% of comp listings sitting > 30 days — soft ceiling on asking rent; 1,511 units permitted in Baltimore County in 2024 (643 in 5+ unit buildings).
• This rent runs 36% of the median local income ($67k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.

Forward outlook

• In year one you build about $36k of equity ($2k loan paydown + $33k appreciation (9.5% local appreciation)).
• Baltimore County population projected at +12% by 2050 — modest demand growth; plan on rents tracking national, not racing it.
• By year 2, paydown + projected appreciation supports a ~$57k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• It's been on market 30 days — a 2% lower offer ($345k) is reasonable based on typical stale-listing flexibility.
• 15 sale attempts since 22y ago with the ask held roughly flat each time — persistent listings suggest the price (not the market) is what's stuck; bring a comps-based counter.
• Current owner paid $116k; list at $350k implies a 203% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: built in 1949 — 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.

Recommended offer $200,637 (42.7% below list)

Questions for the listing agent

1. What do current leases actually rent for vs. the listed asking? Can we see a recent rent roll and the last 12 months of T-12 income?
2. Built in 1949 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. Schools are B-rated — typically a magnet for longer-tenancy family renters. What's the average tenant stay here, and is there a school-zone premium baked into asking?
5. 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?
6. The area grade is low — what's the realistic commute time and amenity access for the typical tenant pool here? Any planned neighborhood developments (good or bad) we should know about?
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: 0.57% ✗
• Cap rate: 4.04%
• Cash-on-cash: -8.05%
• DSCR: 0.64
• GRM: 14.5

CMA / ARV

• ARV (median comp): $335,275
• List price: $349,900
• Delta: 4.36%
• Verdict: FAIR
• Comps: 20 within 1.0 mi

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
3737 Sylvan Dr	0.07mi	3/1.5	1,398 (+1%)	3mo	$231,000	$165	92
3729 Sylvan	0.08mi	3/2.0	1,386 (-0%)	2mo	$192,000	$139	91
3603 Landbeck Rd	0.43mi	3/1.5	1,350 (-3%)	5mo	$320,000	$237	69
3911 Southern Cross Dr	0.39mi	3/2.0	1,520 (+10%)	2mo	$363,000	$239	60
3724 Sylvan Dr	0.07mi	4/3.0 (+1)	1,590 (+15%)	1mo	$395,000	$248	59
3822 Southern Cross Dr	0.25mi	3/2.5	1,502 (+8%)	12mo	$344,000	$229	58
3807 Byfield Rd	0.27mi	3/2.0	1,250 (-10%)	16mo	$202,500	$162	54
7108 Rockridge Rd	0.74mi	3/1.0	1,393 (+0%)	14mo	$329,900	$237	53
6873 Parsons Ave	0.40mi	3/1.5	1,520 (+10%)	14mo	$202,000	$133	52
7012 Lancaster Rd	0.57mi	3/1.5	1,296 (-7%)	11mo	$370,000	$285	51
6740 Fox Meadow Rd	0.70mi	4/2.5 (+1)	1,344 (-3%)	2mo	$340,000	$253	49
6816 Alter St	0.39mi	3/2.5	1,542 (+11%)	11mo	$296,000	$192	48

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

Projected returns pro-forma

9.5% appreciation · 5.23% rent growth · sell at horizon

5-year hold

• IRR: 18.0%
• Equity multiple: 2.44×
• Total profit: $141,296
• Equity at exit: $302,526

10-year hold

• IRR: 17.3%
• Equity multiple: 5.66×
• Total profit: $456,218
• Equity at exit: $639,360

Cash invested: $97,972 (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 21207

• Home prices YoY: 1.1%
• Rents YoY: 5.2%
• Active inventory: 132
• Price-to-rent: 14.5×

Monthly cashflow live

• Estimated rent: $2,006 high
• Mortgage (P&I): −$1,835
• Tax from tax record: −$262 /mo · $3,139/yr
• Insurance: −$146
• HOA: −$0
• Vacancy / Maint / Mgmt: −$421
• Net cashflow: $-657

Break-even live

Break-even rent $2,838

Max offer price $233,787

Occupancy floor —

Sensitivity live

Price	-10% $-459	-5% $-558	+0% $-657	+5% $-756	+10% $-855
Rent	-10% $-816	-5% $-737	+0% $-657	+5% $-578	+10% $-499
Rate	-1.0pp $-481	-0.5pp $-568	base $-657	+0.5pp $-748	+1.0pp $-840

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: $87,475
• Closing costs: $10,497
• Reserves months: —
• Total cash needed: —

Rent comps 22 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
6 Brubar Ct Gwynn Oak, MD	3.0	2.0	1011	$1,630	$1.61	45d	1	0.58mi
6 Brubar Ct Gwynn Oak, MD	2.0	2.0	887	$1,415	$1.60	19d	1	0.58mi
6226 Robin Hill Rd Gwynn Oak, MD	3.0	1.5	1140	$2,850	$2.50	17d	1	0.58mi
6609 Eberle Dr Baltimore, MD	1.0–3.0	1.0–2.0	1011	$1,787	$1.77	3d	25	0.80mi
3535 Flannery Ln Gwynn Oak, MD	3.0	1.5	1536	$2,000	$1.30	44d	1	0.85mi
7248 Early Golden Ln Unit 7248 Pikesville, MD	3.0	2.5	1280	$2,500	$1.95	25d	1	0.88mi
6936 Blanche Rd Baltimore, MD	3.0	1.5	1410	$1,800	$1.28	44d	1	0.93mi
7008 Deerfield Rd Pikesville, MD	3.0	1.5	1664	$2,300	$1.38	44d	1	0.96mi
3101 Windsor Blvd Gwynn Oak, MD	1.0–2.0	1.0–2.0	843	$1,755	$2.08	3d	55	0.98mi
3807 Bowers Ave Gwynn Oak, MD	3.0	1.5	1152	$2,200	$1.91	44d	1	1.04mi
6463 Woodgreen Cir Gwynn Oak, MD	3.0	2.5	1230	$1,900	$1.54	19d	1	1.11mi
19 Warren Park Dr Pikesville, MD	3.0	1.0–2.0	903	$1,700	$1.88	4d	10	1.28mi
3809 Clarks Ln Unit 301 Baltimore, MD	2.0	2.0	1057	$1,600	$1.51	25d	1	1.33mi
515 Marshall Ave Pikesville, MD	3.0	2.0	1200	$2,750	$2.29	44d	1	1.34mi
2 Mountbatten Ct Gwynn Oak, MD	3.0	2.0	1000	$2,200	$2.20	4d	1	1.38mi
5533 Gwynn Oak Ave Fl 1 Gwynn Oak, MD	2.0	1.0	1080	$1,600	$1.48	44d	1	1.39mi
3727 Milford Ave Gwynn Oak, MD	3.0	1.0	900	$1,450	$1.61	44d	1	1.39mi
824 Milford Mill Rd Pikesville, MD	4.0	3.0	1601	$3,450	$2.15	44d	1	1.40mi
3705 Midheights Rd Baltimore, MD	3.0	1.5	1024	$1,900	$1.86	25d	1	1.42mi
3638 Fords Ln Baltimore, MD	2.0	2.0	1001	$1,795	$1.79	44d	1	1.48mi
3601 Howard Park Ave Unit 2 Baltimore, MD	3.0	1.0	1000	$1,650	$1.65	44d	1	1.49mi
3607 Labyrinth Rd Baltimore, MD	1.0–3.0	1.0–2.0	925	$2,100	$2.27	20d	5	1.49mi

Listing history 50 events

1. 2026-06-21
   days on market $349,900 Active 30 DOM
2. 2026-06-18
   days on market $349,900 Active 27 DOM
3. 2026-06-17
   days on market $349,900 Active 26 DOM
4. 2026-06-16
   days on market $349,900 Active 25 DOM
5. 2026-06-15
   days on market $349,900 Active 24 DOM
6. 2026-06-13
   days on market $349,900 Active 22 DOM
7. 2026-06-09
   days on market $349,900 Active 18 DOM
8. 2026-06-08
   days on market $349,900 Active 17 DOM
9. 2026-06-07
   days on market $349,900 Active 16 DOM
10. 2026-06-04
    days on market $349,900 Active 13 DOM
11. 2026-06-03
    days on market $349,900 Active 12 DOM
12. 2026-06-02
    days on market $349,900 Active 11 DOM
13. 2026-06-01
    days on market $349,900 Active 10 DOM
14. 2026-05-31
    days on market $349,900 Active 9 DOM
15. 2026-05-01
    historical $349,900 1476-char remark
16. 2011-11-23
    soldstatus $115,500 Sold 374-char remark

    Show marketing remark (374 chars)

    3BR, 2BA Brick Rancher. Fireplace in Living Room. Finished Lower Level W/ Full Bath & Bedroom. Glass Block Wet Bar for entertaining. Detached Garage. Large Driveway/Off Street Parking. Front Porch. Established neighborhood w/ mature trees. BANK OWNED SOLD "AS IS". BUYER TO VERIFY ALL INFORMATION INCLUDING GROUND RENT (IF ONE EXISTS, SELLER WILL OT REDEEM).

17. 2011-11-23
    soldstatus $115,500

    Show marketing remark (374 chars)

    3BR, 2BA Brick Rancher. Fireplace in Living Room. Finished Lower Level W/ Full Bath & Bedroom. Glass Block Wet Bar for entertaining. Detached Garage. Large Driveway/Off Street Parking. Front Porch. Established neighborhood w/ mature trees. BANK OWNED SOLD "AS IS". BUYER TO VERIFY ALL INFORMATION INCLUDING GROUND RENT (IF ONE EXISTS, SELLER WILL OT REDEEM).

18. 2011-08-31
    status Contract 374-char remark

    Show marketing remark (374 chars)

    3BR, 2BA Brick Rancher. Fireplace in Living Room. Finished Lower Level W/ Full Bath & Bedroom. Glass Block Wet Bar for entertaining. Detached Garage. Large Driveway/Off Street Parking. Front Porch. Established neighborhood w/ mature trees. BANK OWNED SOLD "AS IS". BUYER TO VERIFY ALL INFORMATION INCLUDING GROUND RENT (IF ONE EXISTS, SELLER WILL OT REDEEM).

19. 2011-08-30
    historical

    Show marketing remark (374 chars)

    3BR, 2BA Brick Rancher. Fireplace in Living Room. Finished Lower Level W/ Full Bath & Bedroom. Glass Block Wet Bar for entertaining. Detached Garage. Large Driveway/Off Street Parking. Front Porch. Established neighborhood w/ mature trees. BANK OWNED SOLD "AS IS". BUYER TO VERIFY ALL INFORMATION INCLUDING GROUND RENT (IF ONE EXISTS, SELLER WILL OT REDEEM).

20. 2011-08-17
    status Active 374-char remark

    Show marketing remark (374 chars)

    3BR, 2BA Brick Rancher. Fireplace in Living Room. Finished Lower Level W/ Full Bath & Bedroom. Glass Block Wet Bar for entertaining. Detached Garage. Large Driveway/Off Street Parking. Front Porch. Established neighborhood w/ mature trees. BANK OWNED SOLD "AS IS". BUYER TO VERIFY ALL INFORMATION INCLUDING GROUND RENT (IF ONE EXISTS, SELLER WILL OT REDEEM).

21. 2011-08-17
    historical Expired 374-char remark

    Show marketing remark (374 chars)

    3BR, 2BA Brick Rancher. Fireplace in Living Room. Finished Lower Level W/ Full Bath & Bedroom. Glass Block Wet Bar for entertaining. Detached Garage. Large Driveway/Off Street Parking. Front Porch. Established neighborhood w/ mature trees. BANK OWNED SOLD "AS IS". BUYER TO VERIFY ALL INFORMATION INCLUDING GROUND RENT (IF ONE EXISTS, SELLER WILL OT REDEEM).

22. 2011-08-09
    price $117,000 374-char remark

    Show marketing remark (374 chars)

    3BR, 2BA Brick Rancher. Fireplace in Living Room. Finished Lower Level W/ Full Bath & Bedroom. Glass Block Wet Bar for entertaining. Detached Garage. Large Driveway/Off Street Parking. Front Porch. Established neighborhood w/ mature trees. BANK OWNED SOLD "AS IS". BUYER TO VERIFY ALL INFORMATION INCLUDING GROUND RENT (IF ONE EXISTS, SELLER WILL OT REDEEM).

23. 2011-07-22
    price $129,900 374-char remark

    Show marketing remark (374 chars)

    3BR, 2BA Brick Rancher. Fireplace in Living Room. Finished Lower Level W/ Full Bath & Bedroom. Glass Block Wet Bar for entertaining. Detached Garage. Large Driveway/Off Street Parking. Front Porch. Established neighborhood w/ mature trees. BANK OWNED SOLD "AS IS". BUYER TO VERIFY ALL INFORMATION INCLUDING GROUND RENT (IF ONE EXISTS, SELLER WILL OT REDEEM).

24. 2011-07-06
    price $142,500 374-char remark

    Show marketing remark (374 chars)

    3BR, 2BA Brick Rancher. Fireplace in Living Room. Finished Lower Level W/ Full Bath & Bedroom. Glass Block Wet Bar for entertaining. Detached Garage. Large Driveway/Off Street Parking. Front Porch. Established neighborhood w/ mature trees. BANK OWNED SOLD "AS IS". BUYER TO VERIFY ALL INFORMATION INCLUDING GROUND RENT (IF ONE EXISTS, SELLER WILL OT REDEEM).

25. 2011-06-06
    price $152,500 374-char remark

    Show marketing remark (374 chars)

    3BR, 2BA Brick Rancher. Fireplace in Living Room. Finished Lower Level W/ Full Bath & Bedroom. Glass Block Wet Bar for entertaining. Detached Garage. Large Driveway/Off Street Parking. Front Porch. Established neighborhood w/ mature trees. BANK OWNED SOLD "AS IS". BUYER TO VERIFY ALL INFORMATION INCLUDING GROUND RENT (IF ONE EXISTS, SELLER WILL OT REDEEM).

26. 2011-05-10
    price $159,900 374-char remark

    Show marketing remark (374 chars)

    3BR, 2BA Brick Rancher. Fireplace in Living Room. Finished Lower Level W/ Full Bath & Bedroom. Glass Block Wet Bar for entertaining. Detached Garage. Large Driveway/Off Street Parking. Front Porch. Established neighborhood w/ mature trees. BANK OWNED SOLD "AS IS". BUYER TO VERIFY ALL INFORMATION INCLUDING GROUND RENT (IF ONE EXISTS, SELLER WILL OT REDEEM).

27. 2011-04-14
    price $169,900 374-char remark

    Show marketing remark (374 chars)

    3BR, 2BA Brick Rancher. Fireplace in Living Room. Finished Lower Level W/ Full Bath & Bedroom. Glass Block Wet Bar for entertaining. Detached Garage. Large Driveway/Off Street Parking. Front Porch. Established neighborhood w/ mature trees. BANK OWNED SOLD "AS IS". BUYER TO VERIFY ALL INFORMATION INCLUDING GROUND RENT (IF ONE EXISTS, SELLER WILL OT REDEEM).

28. 2011-03-21
    price $174,995 374-char remark

    Show marketing remark (374 chars)

    3BR, 2BA Brick Rancher. Fireplace in Living Room. Finished Lower Level W/ Full Bath & Bedroom. Glass Block Wet Bar for entertaining. Detached Garage. Large Driveway/Off Street Parking. Front Porch. Established neighborhood w/ mature trees. BANK OWNED SOLD "AS IS". BUYER TO VERIFY ALL INFORMATION INCLUDING GROUND RENT (IF ONE EXISTS, SELLER WILL OT REDEEM).

29. 2011-03-18
    listed $199,900 Active 374-char remark

    Show marketing remark (374 chars)

    3BR, 2BA Brick Rancher. Fireplace in Living Room. Finished Lower Level W/ Full Bath & Bedroom. Glass Block Wet Bar for entertaining. Detached Garage. Large Driveway/Off Street Parking. Front Porch. Established neighborhood w/ mature trees. BANK OWNED SOLD "AS IS". BUYER TO VERIFY ALL INFORMATION INCLUDING GROUND RENT (IF ONE EXISTS, SELLER WILL OT REDEEM).

30. 2011-03-18
    listed $117,000

    Show marketing remark (374 chars)

    3BR, 2BA Brick Rancher. Fireplace in Living Room. Finished Lower Level W/ Full Bath & Bedroom. Glass Block Wet Bar for entertaining. Detached Garage. Large Driveway/Off Street Parking. Front Porch. Established neighborhood w/ mature trees. BANK OWNED SOLD "AS IS". BUYER TO VERIFY ALL INFORMATION INCLUDING GROUND RENT (IF ONE EXISTS, SELLER WILL OT REDEEM).

31. 2011-02-14
    historical Withdrawn
32. 2011-02-14
    historical
33. 2010-11-17
    listed Active
34. 2010-11-17
    listed $199,900
35. 2010-11-11
    historical
36. 2010-11-11
    historical
37. 2010-05-10
    listed Active
38. 2010-05-10
    listed $210,000
39. 2009-11-16
    historical
40. 2009-09-10
    historical
41. 2009-05-21
    price
42. 2009-05-21
    status
43. 2009-05-21
    historical
44. 2008-11-11
    listed
45. 2008-11-11
    listed $220,000
46. 2008-01-25
    historical
47. 2007-12-13
    listed
48. 2007-06-14
    historical
49. 2006-12-14
    listed
50. 2004-12-06
    soldstatus $145,000

ⓘ 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: $3,139 · $262/mo
• Projected year-2 tax: $3,477 · $290/mo
• Expected delta: +$337/yr (+$28/mo · 10.7%)

ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.

Climate risk First Street

• 🌊 Flood 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
• 🔥 Wildfire 1/10 Low
• 🌡 Heat 6/10 Major 7 d/yr ≥103°F today · 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

Taxation est. · year 1

• Rental income: $24,076
• − Mortgage interest: −$19,600
• − Property taxes: −$3,139
• − Insurance: −$1,750
• − Repairs & maintenance: −$1,926
• − Management: −$1,926
• − Depreciation: −$10,179
• Taxable loss: −$14,443
• Est. tax savings @ 24.0%: +$3,466
• After-tax cash flow: $-4,421/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 County Public Schools
• NCES district ID: 2400120
• Math proficiency: 15% ▼ -16.00%
• Reading proficiency: 34% ▼ -5.00%
• Median HH income: $66,746
• Composite: 23.17/100
• National rank: #7948
• State rank: #11 of 24 in MD

Livability — Lochearn

• Score: 74/100
• State rank: #112
• US rank: #4539

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Lochearn, MD
• County: Baltimore County · 769,527 people
• Metro: Baltimore-Columbia-Towson, MD
• Population (ZIP): 47,099
• Household income: $67,060
• Rent vs Own: 39.3% rent · 60.7% own
• Severe rent burden: 2139.0

Population outlook (Baltimore County) Hauer SSP2

• Today (2025): 885,518 people
• By 2030: 909,272 · +2.7%
• By 2040: 951,547 · +7.5%
• By 2050: 990,955 · +11.9%
• By 2075: 1,086,411 · +22.7%
• By 2100: 1,135,078 · +28.2%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly Black (78%)
• Race & ethnicity: Black 78% White 8% Hispanic / Latino 7% Two or more races 5% Asian 3%
• Hispanic origin (detail): Puerto Rican 1%
• Common ancestry: Swedish 1%
• Foreign-born: 13% · Canada, Philippines, South Korea
• Languages at home: 86% English-only · Spanish 4% French/Haitian/Cajun 1% Other Asian/Pacific 1%

Political lean MEDSL · Baltimore

• 2024 margin: Strong D (+24.5) · D 61.0% · R 36.5% · Other 2.5%
• 2008→2024 swing: +9.9pp toward D · 2008: 14.6pp · 2024: 24.5pp
• All cycles: 2024: D+24.5 2020: D+27.0 2016: D+17.4 2012: D+16.4 2008: D+14.6

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▲ 9.50%
• Current HPI: 843.63
• Rent YoY: ▲ 5.23%
• 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

+412.7% since first listed

43 events — show timeline

• 2026-05-23 Relisted — BRIGHT MLS
• 2026-05-20 Listing Removed — BRIGHT MLS
• 2026-05-20 Listed $349,900 BRIGHT MLS
• 2026-05-01 Coming Soon $349,900 BRIGHT MLS
• 2011-11-23 Sold (MLS) $115,500 MRIS
• 2011-11-23 Sold (MLS) $115,500 BRIGHT MLS
• 2011-08-31 Pending — MRIS
• 2011-08-30 Listing Removed — BRIGHT MLS
• 2011-08-17 Relisted — MRIS
• 2011-08-17 Delisted — MRIS
• 2011-08-09 Price Changed $117,000 MRIS
• 2011-07-22 Price Changed $129,900 MRIS
• 2011-07-06 Price Changed $142,500 MRIS
• 2011-06-06 Price Changed $152,500 MRIS
• 2011-05-10 Price Changed $159,900 MRIS
• 2011-04-14 Price Changed $169,900 MRIS
• 2011-03-21 Price Changed $174,995 MRIS
• 2011-03-18 Listed $199,900 MRIS
• 2011-03-18 Listed $117,000 BRIGHT MLS
• 2011-02-14 Delisted — MRIS
• 2011-02-14 Listing Removed — BRIGHT MLS
• 2010-11-17 Listed — MRIS
• 2010-11-17 Listed $199,900 BRIGHT MLS
• 2010-11-11 Listing Removed — BRIGHT MLS
• 2010-11-11 Delisted — MRIS
• 2010-05-10 Listed — MRIS
• 2010-05-10 Listed $210,000 BRIGHT MLS
• 2009-11-16 Listing Removed — BRIGHT MLS
• 2009-09-10 Delisted — MRIS
• 2009-05-21 Relisted — MRIS
• 2009-05-21 Price Changed — MRIS
• 2009-05-21 Delisted — MRIS
• 2008-11-11 Listed — MRIS
• 2008-11-11 Listed $220,000 BRIGHT MLS
• 2008-01-25 Delisted — MRIS
• 2007-12-13 Listed — MRIS
• 2007-06-14 Delisted — MRIS
• 2006-12-14 Listed — MRIS
• 2004-12-06 Sold (Public Records) $145,000 Public Records
• 2004-11-05 Sold (MLS) $145,000 MRIS
• 2004-08-18 Delisted — MRIS
• 2004-08-18 Listed $150,000 MRIS
• 1983-05-19 Sold (Public Records) $68,250 Public Records

Property tax history

+0.7%/yr

Latest (2025): $3,139 · +0.2% YoY. Source: county tax records.