3028 Harlem Ave · 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 7/10 · Major
- Hot days now (above 103°F)
- 7 days/yr
- Hot days in 30 yrs
- 15 days/yr
Wind risk 6/10 · Moderate
- Chance of severe wind over 30 yrs
- 27.0%
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 C 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 +25.2/30.0
- DSCR +8.3/10.0
- ARV discount +7.5/15.0
- 1% rule +7.3/10.0
- 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
$150,000
🖨 Deal sheet 📄 Offer letter ✓ Due diligence
Listing remarks MLS
Charming Rowhome with Endless Potential! Discover the possibilities at 3028 Harlem Avenue—a spacious 3-bedroom, 3-bath home nestled in a vibrant West Baltimore community. This classic rowhome offers generous living spaces, original architectural details, and a traditional layout perfect for comfortable city living. Conveniently located near public transportation, schools, and local shops, this home is ideal for anyone looking to create their dream space. Whether you're ready to renovate or move in and update over time, this property provides a solid foundation in a location full of promise. Sold as-is—bring your imagination and make it home!
Key facts
- Solid foundation
- Built 1924
- Listed 328 days
Tags
Neighborhood map
What this means for you Summary
Snapshot
- This is a 3-bed/3.0-bath townhouse listed at $150k.
Deal economics
- At list price, monthly cash flow is $337 ($4k/yr) — positive.
- The deal already cash-flows at list — no discount required.
- Meets the 1% rule at list price ($2k rent vs $150k).
- Recommended offer: $132k (12.0% below list) — sets the bar for market timing.
- Cap rate 9.0% 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); 42% of comp listings sitting > 30 days — soft ceiling on asking rent; lower-income renter base — watch delinquency; 1,273 units permitted in Baltimore city in 2024 (1,104 in 5+ unit buildings).
- At $1,845/mo this rent would consume 53% 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 $1k of loan paydown is wiped out by about $4k 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 $42k cash investment doubles in ~9 years — after that, you're playing with house money.
Negotiation context
- It's been on market 328 days — a 12% lower offer ($132k) is reasonable based on typical stale-listing flexibility.
- 6 sale attempts since 19y ago; this cycle's ask has dropped $39k (21%) from the opening price — seller is motivated, your offer sets the floor, not the list.
Risks & watch-outs
- Watch-outs: built in 1924 — 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.
Questions for the listing agent
- It's been on market 328 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
- Built in 1924 — 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
- 1.23% ✓
- Cap rate
- 8.99%
- Cash-on-cash
- 9.62%
- DSCR
- 1.43
- GRM
- 6.8
CMA / ARV
- ARV (median comp)
- $77,274
- List price
- $150,000
- Delta
- 94.11%
- Verdict
- OVERPRICED
- Comps
- 20 within 1.0 mi
Show comp detail 12 sales within ~0.75 mi
| Address | Dist | Beds/Ba | Sqft | Sold | Price | $/sf | Match |
|---|---|---|---|---|---|---|---|
| 2514 W Lafayette Ave | 0.60mi | 3/2.0 | 1,560 (-2%) | 2mo | $232,000 | $149 | 64 |
| 743 Linnard St | 0.40mi | 4/2.0 (+1) | 1,693 (+7%) | 1mo | $199,000 | $118 | 60 |
| 3118 Normount Ave | 0.47mi | 3/2.0 | 1,725 (+9%) | 1mo | $174,990 | $101 | 59 |
| 2400 W Lafayette Ave | 0.70mi | 4/2.0 (+1) | 1,584 (0%) | 2mo | $263,000 | $166 | 57 |
| 2738 W Mosher St | 0.35mi | 3/1.0 | 1,765 (+11%) | 1mo | $37,000 | $21 | 56 |
| 517 N Edgewood St | 0.45mi | 4/2.5 (+1) | 1,430 (-10%) | 2mo | $90,000 | $63 | 55 |
| 2920 Brighton St | 0.65mi | 3/2.5 | 1,440 (-9%) | 2mo | $247,500 | $172 | 51 |
| 2404 W Lafayette Ave | 0.69mi | 3/2.0 | 1,476 (-7%) | 2mo | $135,000 | $91 | 51 |
| 3707 Colborne Rd | 0.63mi | 3/2.0 | 1,400 (-12%) | 1mo | $220,000 | $157 | 47 |
| 12 N Rosedale St | 0.67mi | 3/1.5 | 1,740 (+10%) | 0mo | $160,000 | $92 | 46 |
| 3018 Presstman St | 0.60mi | 4/2.0 (+1) | 1,400 (-12%) | 1mo | $108,000 | $77 | 42 |
| 1625 N Rosedale St | 0.75mi | 3/1.0 | 1,396 (-12%) | 2mo | $36,000 | $26 | 36 |
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
- 1.9%
- Equity multiple
- 1.07×
- Total profit
- $3,142
- Equity at exit
- $22,365
- IRR
- 14.5%
- Equity multiple
- 2.35×
- Total profit
- $56,615
- Equity at exit
- $12,969
Cash invested: $42,000 (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
- 6.8×
Monthly cashflow live
- Estimated rent
- $1,845 high interval (Pro) →
- Mortgage (P&I)
- −$787
- Tax from tax record
- −$272 /mo · $3,267/yr
- Insurance
- −$62
- HOA
- −$0
- Vacancy / Maint / Mgmt
- −$388
- Net cashflow
- $337
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
- $37,500
- Closing costs
- $4,500
- 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 |
|---|---|---|---|---|---|---|---|---|
| 3015 Rayner Ave Baltimore, MD | 3.0 | 1.0 | 1152 | $1,350 | $1.17 | 43d | 1 | 0.04mi |
| 2922 Edmondson Ave Baltimore, MD | 3.0 | 2.0 | 1620 | $1,900 | $1.17 | 43d | 1 | 0.16mi |
| 2744 W Mosher St Baltimore, MD | 4.0 | 2.0 | 1412 | $2,100 | $1.49 | 23d | 1 | 0.36mi |
| 780 Linnard St Baltimore, MD | 3.0 | 2.0 | 1224 | $1,590 | $1.30 | 43d | 1 | 0.37mi |
| 2806 Riggs Ave Baltimore, MD | 3.0 | 2.5 | 1412 | $1,900 | $1.35 | 3d | 1 | 0.38mi |
| 3238 Westmont Ave Baltimore, MD | 3.0 | 1.0 | 1280 | $1,600 | $1.25 | 43d | 1 | 0.39mi |
| 3423 Edmondson Ave Baltimore, MD | 2.0 | 1.5 | 1400 | $1,710 | $1.22 | 43d | 1 | 0.39mi |
| 787 N Grantley St Baltimore, MD | 3.0 | 1.0 | 1116 | $1,575 | $1.41 | 23d | 1 | 0.40mi |
| 798 N Grantley St Baltimore, MD | 3.0 | 2.0 | 1360 | $2,295 | $1.69 | 23d | 1 | 0.41mi |
| 730 Linnard St Unit 1 Baltimore, MD | 4.0 | 1.0 | 1360 | $1,750 | $1.29 | 23d | 1 | 0.43mi |
| 2636 Lauretta Ave Baltimore, MD | 3.0 | 2.5 | 1232 | $1,900 | $1.54 | 43d | 1 | 0.43mi |
| 3507 Edmondson Ave Baltimore, MD | 4.0 | 2.0 | 1428 | $2,300 | $1.61 | 43d | 1 | 0.45mi |
| 2609 Lauretta Ave Baltimore, MD | 3.0 | 1.0 | 1286 | $1,675 | $1.30 | 23d | 1 | 0.47mi |
| 405 N Edgewood St Baltimore, MD | 4.0 | 2.0 | 1408 | $2,950 | $2.10 | 4d | 1 | 0.47mi |
| 2728 Winchester St Baltimore, MD | 3.0 | 1.5 | 1260 | $1,800 | $1.43 | 3d | 1 | 0.48mi |
| 623 N Grantley St Baltimore, MD | 4.0 | 2.0 | 1250 | $2,000 | $1.60 | 23d | 1 | 0.49mi |
| 1402 Poplar Grove St Baltimore, MD | 4.0 | 1.5 | 1540 | $800 | $0.52 | 43d | 1 | 0.54mi |
| 3619 Edmondson Ave Baltimore, MD | 4.0 | 3.5 | 1962 | $2,800 | $1.43 | 43d | 1 | 0.54mi |
| 3003 Presstman St Unit 2 Baltimore, MD | 2.0 | 1.0 | 1450 | $1,300 | $0.90 | 23d | 1 | 0.57mi |
| 3003 Presstman St Unit 1 Baltimore, MD | 2.0 | 2.0 | 1450 | $1,400 | $0.97 | 44d | 1 | 0.57mi |
| 202 N Edgewood St Baltimore, MD | 3.0 | 2.0 | 1710 | $2,250 | $1.32 | 23d | 1 | 0.58mi |
| 3700 Woodridge Rd Baltimore, MD | 3.0 | 1.5 | 1955 | $1,950 | $1.00 | 43d | 1 | 0.60mi |
| 3712 Gelston Dr Baltimore, MD | 3.0 | 2.0 | 1250 | $2,500 | $2.00 | 23d | 1 | 0.60mi |
| 41 N Kossuth St Baltimore, MD | 3.0 | 2.0 | 1216 | $1,800 | $1.48 | 23d | 1 | 0.62mi |
| 1513 N Ellamont St Baltimore, MD | 3.0 | 1.0 | 1700 | $1,700 | $1.00 | 23d | 1 | 0.62mi |
| 3607 W Lexington St Baltimore, MD | 3.0 | 2.0 | 1050 | $1,895 | $1.80 | 4d | 1 | 0.63mi |
| 2800 Presstman St Baltimore, MD | 3.0 | 2.5 | 1460 | $1,799 | $1.23 | 23d | 1 | 0.65mi |
| 1530 N Rosedale St Baltimore, MD | 3.0 | 2.0 | 1641 | $1,895 | $1.15 | 14d | 1 | 0.65mi |
| 3309 Brighton St Baltimore, MD | 3.0 | 1.0 | 1134 | $1,700 | $1.50 | 43d | 1 | 0.65mi |
| 3706 W Saratoga St Unit 1 Baltimore, MD | 2.0 | 1.0 | 1540 | $1,350 | $0.88 | 43d | 1 | 0.69mi |
| 3336 W Caton Ave Baltimore, MD | 3.0 | 2.0 | 1236 | $1,625 | $1.31 | 23d | 1 | 0.73mi |
| 2303 Calverton Heights Ave Baltimore, MD | 4.0 | 2.0 | 1314 | $2,250 | $1.71 | 23d | 1 | 0.76mi |
| 409 Normandy Ave Baltimore, MD | 4.0 | 1.0 | 1640 | $1,500 | $0.91 | 23d | 1 | 0.76mi |
| 1633 N Hilton St Baltimore, MD | 4.0 | 2.5 | 1920 | $2,600 | $1.35 | 17d | 1 | 0.77mi |
| 918 N Bentalou St Baltimore, MD | 3.0 | 1.5 | 1485 | $1,750 | $1.18 | 43d | 1 | 0.79mi |
| 2301 Riggs Ave Baltimore, MD | 3.0 | 2.0 | 1072 | $1,600 | $1.49 | 23d | 1 | 0.81mi |
| 4020 Gelston Dr Baltimore, MD | 3.0 | 2.0 | 1270 | $1,875 | $1.48 | 43d | 1 | 0.81mi |
| 2537 Hollins St Baltimore, MD | 3.0 | 2.0 | 1200 | $1,450 | $1.21 | 23d | 1 | 0.86mi |
| 2516 Hollins St Baltimore, MD | 3.0 | 2.0 | 1100 | $1,700 | $1.55 | 43d | 1 | 0.86mi |
| 3935 Stokes Dr #1 Baltimore, MD | 2.0 | 1.0 | 1150 | $1,400 | $1.22 | 43d | 1 | 0.87mi |
Listing history 36 events
-
2026-06-18days on market $150,000 Active 328 DOM
-
2026-06-17days on market $150,000 Active 327 DOM
-
2026-06-16days on market $150,000 Active 326 DOM
-
2026-06-15days on market $150,000 Active 325 DOM
-
2026-06-13days on market $150,000 Active 323 DOM
-
2026-06-09days on market $150,000 Active 319 DOM
-
2026-06-08days on market $150,000 Active 318 DOM
-
2026-06-07days on market $150,000 Active 317 DOM
-
2026-06-04days on market $150,000 Active 314 DOM
-
2026-06-03days on market $150,000 Active 313 DOM
-
2026-06-02days on market $150,000 Active 312 DOM
-
2026-06-01days on market $150,000 Active 311 DOM
-
2026-05-31days on market $150,000 Active 310 DOM
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2025-12-10price $150,000 661-char remark
Show marketing remark (661 chars)
Charming Rowhome with Endless Potential! Discover the possibilities at 3028 Harlem Avenue—a spacious 3-bedroom, 3-bath home nestled in a vibrant West Baltimore community. This classic rowhome offers generous living spaces, original architectural details, and a traditional layout perfect for comfortable city living. Conveniently located near public transportation, schools, and local shops, this home is ideal for anyone looking to create their dream space. Whether you're ready to renovate or move in and update over time, this property provides a solid foundation in a location full of promise. Sold as-is—bring your imagination and make it home!
-
2025-09-03price $179,000 661-char remark
Show marketing remark (661 chars)
Charming Rowhome with Endless Potential! Discover the possibilities at 3028 Harlem Avenue—a spacious 3-bedroom, 3-bath home nestled in a vibrant West Baltimore community. This classic rowhome offers generous living spaces, original architectural details, and a traditional layout perfect for comfortable city living. Conveniently located near public transportation, schools, and local shops, this home is ideal for anyone looking to create their dream space. Whether you're ready to renovate or move in and update over time, this property provides a solid foundation in a location full of promise. Sold as-is—bring your imagination and make it home!
-
2025-07-25$189,000 Active 661-char remark
Show marketing remark (661 chars)
Charming Rowhome with Endless Potential! Discover the possibilities at 3028 Harlem Avenue—a spacious 3-bedroom, 3-bath home nestled in a vibrant West Baltimore community. This classic rowhome offers generous living spaces, original architectural details, and a traditional layout perfect for comfortable city living. Conveniently located near public transportation, schools, and local shops, this home is ideal for anyone looking to create their dream space. Whether you're ready to renovate or move in and update over time, this property provides a solid foundation in a location full of promise. Sold as-is—bring your imagination and make it home!
-
2022-05-06soldstatus $184,000
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2022-01-21soldstatus $184,000 Closed 658-char remark
Show marketing remark (658 chars)
A MUST SEE at the perimeter of Leakin Park!!! This home is an urban oasis offering all the upgrades of modern living; featuring an open floor plan, rear deck and fenced yard makes entertaining easy. The perfect home for a roommate with 3 bedrooms and 3 full baths including a private owners suite. The fully finished lower level has addition room for a home office or additional entertaining. The property is a short distance to West Baltimore Marc Station and all major travel routes. Schedule your appointment today, this property will not last long! “A down payment incentive of $10k is available from NHS of Baltimore for those who qualify!”
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2022-01-06status Pending 658-char remark
Show marketing remark (658 chars)
A MUST SEE at the perimeter of Leakin Park!!! This home is an urban oasis offering all the upgrades of modern living; featuring an open floor plan, rear deck and fenced yard makes entertaining easy. The perfect home for a roommate with 3 bedrooms and 3 full baths including a private owners suite. The fully finished lower level has addition room for a home office or additional entertaining. The property is a short distance to West Baltimore Marc Station and all major travel routes. Schedule your appointment today, this property will not last long! “A down payment incentive of $10k is available from NHS of Baltimore for those who qualify!”
-
2021-12-16historical Active Under Contract 658-char remark
Show marketing remark (658 chars)
A MUST SEE at the perimeter of Leakin Park!!! This home is an urban oasis offering all the upgrades of modern living; featuring an open floor plan, rear deck and fenced yard makes entertaining easy. The perfect home for a roommate with 3 bedrooms and 3 full baths including a private owners suite. The fully finished lower level has addition room for a home office or additional entertaining. The property is a short distance to West Baltimore Marc Station and all major travel routes. Schedule your appointment today, this property will not last long! “A down payment incentive of $10k is available from NHS of Baltimore for those who qualify!”
-
2021-12-06status Active 658-char remark
Show marketing remark (658 chars)
A MUST SEE at the perimeter of Leakin Park!!! This home is an urban oasis offering all the upgrades of modern living; featuring an open floor plan, rear deck and fenced yard makes entertaining easy. The perfect home for a roommate with 3 bedrooms and 3 full baths including a private owners suite. The fully finished lower level has addition room for a home office or additional entertaining. The property is a short distance to West Baltimore Marc Station and all major travel routes. Schedule your appointment today, this property will not last long! “A down payment incentive of $10k is available from NHS of Baltimore for those who qualify!”
-
2021-12-06historical Active Under Contract 658-char remark
Show marketing remark (658 chars)
A MUST SEE at the perimeter of Leakin Park!!! This home is an urban oasis offering all the upgrades of modern living; featuring an open floor plan, rear deck and fenced yard makes entertaining easy. The perfect home for a roommate with 3 bedrooms and 3 full baths including a private owners suite. The fully finished lower level has addition room for a home office or additional entertaining. The property is a short distance to West Baltimore Marc Station and all major travel routes. Schedule your appointment today, this property will not last long! “A down payment incentive of $10k is available from NHS of Baltimore for those who qualify!”
-
2021-12-03price $184,900 658-char remark
Show marketing remark (658 chars)
A MUST SEE at the perimeter of Leakin Park!!! This home is an urban oasis offering all the upgrades of modern living; featuring an open floor plan, rear deck and fenced yard makes entertaining easy. The perfect home for a roommate with 3 bedrooms and 3 full baths including a private owners suite. The fully finished lower level has addition room for a home office or additional entertaining. The property is a short distance to West Baltimore Marc Station and all major travel routes. Schedule your appointment today, this property will not last long! “A down payment incentive of $10k is available from NHS of Baltimore for those who qualify!”
-
2021-10-21$189,900 Active 658-char remark
Show marketing remark (658 chars)
A MUST SEE at the perimeter of Leakin Park!!! This home is an urban oasis offering all the upgrades of modern living; featuring an open floor plan, rear deck and fenced yard makes entertaining easy. The perfect home for a roommate with 3 bedrooms and 3 full baths including a private owners suite. The fully finished lower level has addition room for a home office or additional entertaining. The property is a short distance to West Baltimore Marc Station and all major travel routes. Schedule your appointment today, this property will not last long! “A down payment incentive of $10k is available from NHS of Baltimore for those who qualify!”
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2021-02-25soldstatus $29,900 Closed
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2021-02-02status Pending
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2021-01-27$29,900 Active
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2008-11-12soldstatus $25,000
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2008-09-11soldstatus $20,000
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2008-06-02historical
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2008-01-15
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2007-06-20historical
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2007-05-22
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2007-03-20soldstatus $46,250
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1994-12-30soldstatus $44,900
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1989-02-15soldstatus $81,000
ⓘ 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
- $3,267 · $272/mo
- Projected year-2 tax
- $3,267 · $272/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 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
- Wildfire 1/10 Low
- Heat 7/10 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 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
- $22,145
- − Mortgage interest
- −$8,402
- − Property taxes
- −$3,267
- − Insurance
- −$750
- − Repairs & maintenance
- −$1,772
- − Management
- −$1,772
- − Depreciation
- −$4,364
- Taxable income
- $1,819
- Est. tax owed @ 24.0%
- −$437
- After-tax cash flow
- $3,602/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
+85.2% since first listed23 events — show timeline
- 2025-12-10 Price Changed $150,000 BRIGHT MLS
- 2025-09-03 Price Changed $179,000 BRIGHT MLS
- 2025-07-25 Listed $189,000 BRIGHT MLS
- 2022-05-06 Sold (Public Records) $184,000 Public Records
- 2022-01-21 Sold (MLS) $184,000 BRIGHT MLS
- 2022-01-06 Pending — BRIGHT MLS
- 2021-12-16 Contingent — BRIGHT MLS
- 2021-12-06 Relisted — BRIGHT MLS
- 2021-12-06 Contingent — BRIGHT MLS
- 2021-12-03 Price Changed $184,900 BRIGHT MLS
- 2021-10-21 Listed $189,900 BRIGHT MLS
- 2021-02-25 Sold (MLS) $29,900 BRIGHT MLS
- 2021-02-02 Pending — BRIGHT MLS
- 2021-01-27 Listed $29,900 BRIGHT MLS
- 2008-11-12 Sold (Public Records) $25,000 Public Records
- 2008-09-11 Sold (Public Records) $20,000 Public Records
- 2008-06-02 Delisted — MRIS
- 2008-01-15 Listed — MRIS
- 2007-06-20 Delisted — MRIS
- 2007-05-22 Listed — MRIS
- 2007-03-20 Sold (Public Records) $46,250 Public Records
- 1994-12-30 Sold (Public Records) $44,900 Public Records
- 1989-02-15 Sold (Public Records) $81,000 Public Records
Property tax history
+5.3%/yrLatest (2025): $3,267 · +32.1% YoY. Source: county tax records.
Cash-flow waterfall
monthlySold comps — $/sqft
last 12 mo · ≤1 miLoading sold comps…