3501 Sedgemoor Rd · Lochearn, MD 21207

$330,000

4 bd · 1.5 ba · 1,816 sqft · SingleFamily public records · 60 Days on market

Built 1956 7,947 sqft lot $182/sqft · at area comps Est $360k · 8% under

---

Why this score? — see what drove the D+ 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).

• ARV discount +11.3/15.0
• Cash flow +10.6/30.0
• Appreciation +9.8/10.0
• Rent growth +3.8/5.0
• Livability +3.7/5.0
• DSCR +3.0/10.0
• 1% rule +2.5/10.0
• Condition / age +2.5/5.0
• Schools +2.3/10.0

Listing remarks MLS

“Charming corner-lot home with great curb appeal and fenced rear yard. Many updates through the years by original owner. 3/4 Bedrooms, 2 full baths, Sunroom addition, updated galley kitchen, off street parking and the original hardwood floors under the carpet. Lower level family with full bath and guest room/den/hobby room. Exterior door leads to the driveway.

Key facts

• 7,947 sq ft lot
• 2 parking spots
• Built 1956

What this means for you Summary

Snapshot

• This is a 4-bed/1.5-bath single-family listed at $330k.

Deal economics

• At list price, monthly cash flow is $-165 ($-2k/yr) — negative.
• To cash-flow at today's rent, offer at most $301k (8.8% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $247k (25.1% below list).
• Recommended offer: $247k (25.1% below list) — sets the bar for 1% rule.
• Cap rate 5.7% vs local median 4.5% in Lochearn — meaningfully above typical; check what's discounted (condition, days-on-market, listing class) to confirm the premium yield is real.

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); 126 active listings in the ZIP; 10 comparable units currently listed for rent nearby; rentals at typical pace (median 24d on market — plan ~3-4 weeks tenant-placement turnaround); 40% 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 44% 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 $34k of equity ($2k loan paydown + $31k 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 ~$54k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• It's been on market 60 days — a 3% lower offer ($320k) is reasonable based on typical stale-listing flexibility.
• Current owner paid $53k; list at $330k implies a 526% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: built in 1956 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: extreme-heat days projected 7→15/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $247,294 (25.1% 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. It's been on market 60 days. Have you received any prior offers? Is the seller open to a 25% concession, seller financing, or rate buy-down credit?
3. Built in 1956 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
4. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
5. 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?
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. 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?
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: 0.75% ✗
• Cap rate: 5.69%
• Cash-on-cash: -2.14%
• DSCR: 0.90
• GRM: 11.1

CMA / ARV

• ARV (median comp): $360,145
• List price: $330,000
• Delta: -8.37%
• 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
3426 Dayta Dr	0.31mi	3/2.0 (-1)	1,784 (-2%)	4mo	$375,000	$210	73
3128 Betlou James Pl	0.19mi	4/2.0	1,734 (-4%)	11mo	$375,000	$216	73
3499 Hillsmere Rd	0.05mi	5/3.0 (+1)	2,006 (+10%)	2mo	$390,000	$194	67
3412 Fairview Rd	0.40mi	3/2.0 (-1)	1,762 (-3%)	9mo	$215,000	$122	61
7123 Brompton Rd	0.33mi	3/2.5 (-1)	1,932 (+6%)	10mo	$342,000	$177	57
3226 Elba Dr	0.37mi	3/1.5 (-1)	1,649 (-9%)	7mo	$225,000	$136	56
3628 Sylvan Dr	0.64mi	3/2.0 (-1)	1,732 (-5%)	1mo	$357,500	$206	55
6907 Schissler Ave	0.61mi	5/2.0 (+1)	1,920 (+6%)	4mo	$329,900	$172	52
3804 Arbutus Ave	0.71mi	4/2.0	2,037 (+12%)	4mo	$275,000	$135	41
7215 Croydon Rd	0.48mi	5/2.0 (+1)	2,062 (+14%)	10mo	$374,000	$181	40
7510 Marston Rd	0.64mi	5/2.0 (+1)	2,000 (+10%)	9mo	$365,000	$183	39
3100 Minna Ct	0.61mi	3/3.0 (-1)	2,064 (+14%)	4mo	$375,000	$182	35

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: 22.3%
• Equity multiple: 2.77×
• Total profit: $163,590
• Equity at exit: $285,321

10-year hold

• IRR: 20.6%
• Equity multiple: 6.41×
• Total profit: $499,774
• Equity at exit: $602,998

Cash invested: $92,400 (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: 126
• Price-to-rent: 11.1×

Monthly cashflow live

• Estimated rent: $2,473 high
• Mortgage (P&I): −$1,731
• Tax from tax record: −$250 /mo · $3,004/yr
• Insurance: −$138
• HOA: −$0
• Vacancy / Maint / Mgmt: −$519
• Net cashflow: $-165

Break-even live

Break-even rent $2,682

Max offer price $300,891

Occupancy floor —

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: $82,500
• Closing costs: $9,900
• Reserves months: —
• Total cash needed: —

Rent comps 10 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
6463 Woodgreen Cir Gwynn Oak, MD	3.0	2.5	1230	$1,900	$1.54	17d	1	0.78mi
3439 Barkley Woods Rd Windsor Mill, MD	3.0	2.5	2450	$2,400	$0.98	43d	1	0.91mi
7206 Rutherford Green Cir Windsor Mill, MD	3.0	2.5	1372	$3,000	$2.19	24d	1	1.00mi
7248 Early Golden Ln Unit 7248 Pikesville, MD	3.0	2.5	1280	$2,500	$1.95	24d	1	1.14mi
3535 Flannery Ln Gwynn Oak, MD	3.0	1.5	1536	$2,000	$1.30	43d	1	1.22mi
7910 Subet Rd Windsor Mill, MD	3.0	2.0	1828	$2,995	$1.64	24d	1	1.24mi
824 Milford Mill Rd Pikesville, MD	4.0	3.0	1601	$3,450	$2.15	43d	1	1.38mi
1 Karendale Ct Windsor Mill, MD	3.0	2.5	1953	$2,850	$1.46	16d	1	1.43mi
7008 Deerfield Rd Pikesville, MD	3.0	1.5	1664	$2,300	$1.38	43d	1	1.48mi
6609 Eberle Dr Baltimore, MD	1.0–3.0	1.0–2.0	1011	$1,787	$1.77	1d	25	1.49mi

Listing history 15 events

1. 2026-06-18
   days on market $330,000 Coming Soon 60 DOM
2. 2026-06-17
   days on market $330,000 Coming Soon 59 DOM
3. 2026-06-16
   days on market $330,000 Coming Soon 58 DOM
4. 2026-06-15
   days on market $330,000 Coming Soon 57 DOM
5. 2026-06-13
   days on market $330,000 Coming Soon 55 DOM
6. 2026-06-09
   days on market $330,000 Coming Soon 51 DOM
7. 2026-06-08
   days on market $330,000 Coming Soon 50 DOM
8. 2026-06-07
   days on market $330,000 Coming Soon 49 DOM
9. 2026-06-04
   days on market $330,000 Coming Soon 46 DOM
10. 2026-06-03
    days on market $330,000 Coming Soon 45 DOM
11. 2026-06-02
    days on market $330,000 Coming Soon 44 DOM
12. 2026-06-01
    days on market $330,000 Coming Soon 43 DOM
13. 2026-05-31
    days on market $330,000 Coming Soon 42 DOM
14. 2026-04-19
    historical $330,000 369-char remark

    Show marketing remark (369 chars)

    “Charming corner-lot home with great curb appeal and fenced rear yard. Many updates through the years by original owner. 3/4 Bedrooms, 2 full baths, Sunroom addition, updated galley kitchen, off street parking and the original hardwood floors under the carpet. Lower level family with full bath and guest room/den/hobby room. Exterior door leads to the driveway.

15. 1980-08-15
    soldstatus $52,750

ⓘ 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: $3,004 · $250/mo
• Projected year-2 tax: $3,301 · $275/mo
• Expected delta: +$296/yr (+$25/mo · 9.9%)

ⓘ 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 ≥104°F today · 15 d/yr by 30 yrs out
• 💨 Wind 4/10 Moderate 17% 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: $29,675
• − Mortgage interest: −$18,485
• − Property taxes: −$3,004
• − Insurance: −$1,650
• − Repairs & maintenance: −$2,374
• − Management: −$2,374
• − Depreciation: −$9,600
• Taxable loss: −$7,812
• Est. tax savings @ 24.0%: +$1,875
• After-tax cash flow: $-102/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

+525.6% since first listed

2 events — show timeline

• 2026-04-19 Coming Soon $330,000 BRIGHT MLS
• 1980-08-15 Sold (Public Records) $52,750 Public Records

Property tax history

+3.5%/yr

Latest (2025): $3,004 · +22.7% YoY. Source: county tax records.