3113 Cliftmont Ave · Baltimore, MD 21213

$219,900

4 bd · 1.0 ba · 1,264 sqft · Townhouse public records · 18 Days on market

Built 1925 4,650 sqft lot

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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).

• Cash flow +14.7/30.0
• ARV discount +7.5/15.0
• Appreciation +4.7/10.0
• DSCR +4.5/10.0
• 1% rule +3.8/10.0
• Rent growth +3.8/5.0
• Livability +3.8/5.0
• Condition / age +2.5/5.0
• Schools +1.0/10.0

Key facts

• Built 1925
• Listed 18 days

Property features AI

Finance

• Financial info: Ground rent amount $60 paid semi-annually; Land assessed value reported; Improvement assessed value reported

Exterior

• Parking: On-street parking
• Utilities: Public water; Public sewer / Public septic; Natural gas hot water
• Home design: Interior townhouse/rowhouse; Effective remodel year 2024; Ownership: Ground rent (semi-annual payment)
• Construction: Brick construction; Concrete perimeter and brick/mortar foundation; Above-grade and below-grade structures
• Exterior features: Not in a federal flood zone; Tidal water: No; Pets allowed (cats and dogs)

Interior

• Bedrooms: Three bedrooms on the main upper level; One bedroom on the lower level
• Bathrooms: Two full bathrooms (one on upper level, one on lower level)
• Heating & cooling: Heat pump with oil backup; Oil heating fuel; Central air conditioning (electric)
• Interior features: Basement present (other type); Living area source: Assessor

What this means for you Summary

Snapshot

• This is a 4-bed/1.0-bath townhouse listed at $220k.

Deal economics

• At list price, monthly cash flow is $2 ($19/yr) — positive.
• The deal already cash-flows at list — no discount required.
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $194k (11.6% below list).
• Recommended offer: $194k (11.6% below list) — sets the bar for 1% rule.

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: The Belair-Edison School (math 3% / reading 13%, grade F, #674 of 860 statewide, top 79%, 1,013 students, 87% FRL, charter); 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); 319 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals at typical pace (median 26d on market — plan ~3-4 weeks tenant-placement turnaround); 48% 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).
• At $1,945/mo this rent would consume 45% of the median local household income ($51k/yr) (locally 1868% of renters already pay >50% of income on rent) — very limited rent-growth headroom before tenants either downsize or default.

Forward outlook

• In year one you build about $271 of equity ($2k loan paydown + $-1k 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.

Negotiation context

• It's been on market 18 days — a 2% lower offer ($217k) is reasonable based on typical stale-listing flexibility.
• 14 sale attempts since 30y 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 $50k; list at $220k implies a 340% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: flood insurance adds $56/mo; built in 1925 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: severe flood risk; 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 $194,459 (11.6% below list)

Questions for the listing agent

1. Built in 1925 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
2. What's the actual annual flood-insurance premium (NFIP or private), and is the property in a SFHA with mandatory coverage?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. 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?
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: 0.88% ✗
• Cap rate: 6.60%
• Cash-on-cash: 1.11%
• DSCR: 1.05
• GRM: 9.4

CMA / ARV

• ARV (on-the-fly): $126,400
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
2902 Clifton Park Ter	0.21mi	3/1.5 (-1)	1,344 (+6%)	1mo	$66,000	$49	72
3533 Elmley Ave	0.26mi	3/1.5 (-1)	1,344 (+6%)	2mo	$70,000	$52	69
3555 Elmora Ave	0.36mi	4/2.0	1,178 (-7%)	1mo	$254,000	$216	67
3238 Ravenwood Ave	0.28mi	3/1.5 (-1)	1,158 (-8%)	1mo	$70,000	$60	65
3114 Mareco Ave	0.11mi	3/2.0 (-1)	1,410 (+12%)	2mo	$125,000	$89	65
3236 Lyndale Ave	0.21mi	3/1.0 (-1)	1,080 (-15%)	2mo	$161,855	$150	59
3532 Cliftmont Ave	0.57mi	3/2.0 (-1)	1,200 (-5%)	2mo	$168,000	$140	55
3733 Ravenwood Ave	0.59mi	3/2.0 (-1)	1,350 (+7%)	1mo	$135,000	$100	52
4117 Eastmont Ave	0.70mi	3/2.0 (-1)	1,176 (-7%)	1mo	$224,900	$191	46
3805 Elmora Ave	0.59mi	3/2.0 (-1)	1,096 (-13%)	1mo	$11,700	$11	40
3571 Dudley Ave	0.71mi	3/2.0 (-1)	1,400 (+11%)	1mo	$175,000	$125	39
3406 Ramona Ave	0.70mi	3/2.0 (-1)	1,408 (+11%)	0mo	$85,000	$60	39

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: -2.7%
• Equity multiple: 0.88×
• Total profit: $-7,596
• Equity at exit: $57,678

10-year hold

• IRR: 5.4%
• Equity multiple: 1.58×
• Total profit: $35,471
• Equity at exit: $64,578

Cash invested: $61,572 (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 →

ZIP-level market 21213

• Home prices YoY: -0.1%
• Rents YoY: 5.2%
• Active inventory: 319
• Price-to-rent: 9.4×

Monthly cashflow live

• Estimated rent: $1,945 high
• Mortgage (P&I): −$1,153
• Tax from tax record: −$234 /mo · $2,811/yr
• Insurance: −$92
• Flood insurance flood zone: −$56 /mo · $666/yr
• HOA: −$0
• Vacancy / Maint / Mgmt: −$408
• Net cashflow: $2

Break-even live

Break-even rent $1,943

Max offer price $219,900

Occupancy floor 95%

Sensitivity live

Price	-10% $126	-5% $64	+0% $2	+5% $-61	+10% $-123
Rent	-10% $-152	-5% $-75	+0% $2	+5% $78	+10% $155
Rate	-1.0pp $112	-0.5pp $58	base $2	+0.5pp $-55	+1.0pp $-113

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: $54,975
• Closing costs: $6,597
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
3317 Lyndale Ave Baltimore, MD	3.0	1.0	900	$1,300	$1.44	45d	1	0.20mi
3326 Elmora Ave Baltimore, MD	3.0	1.0	1200	$1,450	$1.21	25d	1	0.22mi
3222 Lyndale Ave Unit 1 Baltimore, MD	3.0	1.5	1500	$2,200	$1.47	14d	1	0.22mi
3218 Lyndale Ave Baltimore, MD	3.0	1.5	1020	$1,500	$1.47	25d	1	0.22mi
3339 Elmora Ave Baltimore, MD	3.0	2.0	896	$1,600	$1.79	45d	1	0.23mi
3203 Clarence Ave Baltimore, MD	5.0	1.0	1388	$1,865	$1.34	45d	1	0.23mi
3322 Ravenwood Ave Baltimore, MD	3.0	2.0	932	$1,800	$1.93	25d	1	0.26mi
3512 Elmora Ave Baltimore, MD	3.0	1.5	1472	$1,900	$1.29	22d	1	0.27mi
3551 Elmley Ave Baltimore, MD	3.0	1.5	1872	$2,095	$1.12	25d	1	0.27mi
2113 Belair Rd Baltimore, MD	4.0	1.0	1344	$1,795	$1.34	0d	1	0.31mi
2828 Lake Ave Baltimore, MD	3.0	2.0	1164	$1,850	$1.59	6d	1	0.34mi
3519 Kentucky Ave Baltimore, MD	3.0	2.0	1536	$2,100	$1.37	12d	1	0.45mi
3525 Kentucky Ave Baltimore, MD	3.0	1.5	1536	$1,950	$1.27	45d	1	0.45mi
2837 Pelham Ave Baltimore, MD	4.0	2.0	1164	$1,675	$1.44	45d	1	0.45mi
2817 Pelham Ave Baltimore, MD	3.0	2.0	1464	$1,950	$1.33	25d	1	0.46mi
2848 Pelham Ave Baltimore, MD	3.0	2.0	1164	$1,700	$1.46	45d	1	0.47mi
3603 Ravenwood Ave Unit 1 Baltimore, MD	4.0	1.0	1566	$1,600	$1.02	45d	1	0.48mi
3914 Erdman Ave #1 Baltimore, MD	3.0	1.0	1200	$1,319	$1.10	19d	1	0.48mi
2735 Chesterfield Ave Baltimore, MD	3.0	2.5	1536	$2,000	$1.30	12d	1	0.54mi
3305 Dudley Ave Baltimore, MD	3.0	2.0	1413	$1,950	$1.38	45d	1	0.60mi
3544 Chesterfield Ave Baltimore, MD	3.0	1.5	1200	$1,635	$1.36	45d	1	0.61mi
3300 Dudley Ave Baltimore, MD	4.0	2.0	1724	$2,200	$1.28	45d	1	0.62mi
3551 Shannon Dr Baltimore, MD	3.0	2.0	1485	$2,358	$1.59	25d	1	0.76mi
3573 Shannon Dr Baltimore, MD	4.0	2.0	1493	$2,300	$1.54	19d	1	0.76mi
2311 E Lafayette Ave Baltimore, MD	3.0	1.0	1000	$1,400	$1.40	45d	1	0.78mi
1403 N Linwood Ave Baltimore, MD	3.0	2.0	1660	$1,995	$1.20	45d	1	0.81mi
2621 E Oliver St Baltimore, MD	3.0	2.0	1600	$1,700	$1.06	25d	1	0.82mi
1832 E 28th St Baltimore, MD	3.0	1.0	1066	$1,495	$1.40	25d	1	0.86mi
4320 Sheldon Ave Baltimore, MD	3.0	1.5	1280	$1,800	$1.41	25d	1	0.88mi
4013 Eierman Ave Baltimore, MD	3.0	1.0	1650	$1,750	$1.06	0d	1	0.89mi
1802 E 28th St Baltimore, MD	3.0	1.0	1300	$1,600	$1.23	25d	1	0.90mi
4024 Eierman Ave Baltimore, MD	3.0	2.0	1136	$1,825	$1.61	45d	1	0.91mi
1215 N Ellwood Ave Baltimore, MD	3.0	1.0	1128	$1,795	$1.59	25d	1	0.93mi
2626 E Preston St Baltimore, MD	3.0	1.0	1136	$1,800	$1.58	45d	1	0.94mi
4400 Asbury Ave Baltimore, MD	3.0	2.0	1270	$1,995	$1.57	6d	1	0.94mi
4300 Orchard Ridge Blvd Baltimore, MD	1.0–3.0	1.0–2.0	1021	$1,809	$1.77	45d	1	0.95mi
4116 Raymonn Ave Baltimore, MD	3.0	1.5	1244	$1,950	$1.57	45d	1	0.95mi
2706 E Biddle St Baltimore, MD	3.0	2.0	1577	$1,395	$0.88	45d	1	0.99mi
1702 E 32nd St Baltimore, MD	3.0	2.0	1344	$2,300	$1.71	45d	1	1.06mi
1519 E 28th St Baltimore, MD	3.0	2.0	1100	$1,350	$1.23	45d	1	1.08mi

Listing history 10 events

1. 2026-06-21
   days on market $219,900 Active 18 DOM
2. 2026-06-18
   days on market $219,900 Active 15 DOM
3. 2026-06-17
   days on market $219,900 Active 14 DOM
4. 2026-06-16
   days on market $219,900 Active 13 DOM
5. 2026-06-15
   days on market $219,900 Active 12 DOM
6. 2026-06-13
   days on market $219,900 Active 10 DOM
7. 2026-06-09
   days on market $219,900 Active 6 DOM
8. 2026-06-08
   days on market $219,900 Active 5 DOM
9. 2026-06-07
   days on market $219,900 Active 4 DOM
10. 2026-06-03
    listed $219,900 Active 1 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: $2,811 · $234/mo
• Projected year-2 tax: $2,811 · $234/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 9/10 Extreme FEMA zone X (unshaded) · 99% 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: $23,335
• − Mortgage interest: −$12,318
• − Property taxes: −$2,811
• − Insurance: −$1,766
• − Repairs & maintenance: −$1,867
• − Management: −$1,867
• − Depreciation: −$6,397
• Taxable loss: −$3,691
• Est. tax savings @ 24.0%: +$886
• After-tax cash flow: $905/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

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 · 558,601 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: 1868.0

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 (86%)
• Race & ethnicity: Black 86% White 6% Hispanic / Latino 4% Two or more races 3%
• Foreign-born: 3% · Canada
• Languages at home: 96% English-only · Spanish 3%

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

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

+383.3% since first listed

45 events — show timeline

• 2026-06-03 Listed $219,900 BRIGHT MLS
• 2026-06-03 Listing Removed — BRIGHT MLS
• 2026-06-02 Listed $219,900 BRIGHT MLS
• 2025-04-20 Listing Removed — BRIGHT MLS
• 2025-02-26 Listed $219,900 BRIGHT MLS
• 2025-02-20 Coming Soon — BRIGHT MLS
• 2020-03-06 Sold (Public Records) $50,000 Public Records
• 2020-02-24 Sold (MLS) $50,000 BRIGHT MLS
• 2020-01-23 Contingent — BRIGHT MLS
• 2020-01-09 Price Changed $55,000 BRIGHT MLS
• 2019-10-22 Price Changed $57,500 BRIGHT MLS
• 2019-09-30 Price Changed $60,000 BRIGHT MLS
• 2019-09-03 Price Changed $62,500 BRIGHT MLS
• 2019-07-10 Price Changed $65,000 BRIGHT MLS
• 2019-06-30 Price Changed $70,000 BRIGHT MLS
• 2019-04-27 Listed $75,000 BRIGHT MLS
• 2018-10-26 Listing Removed — BRIGHT MLS
• 2018-08-14 Listed $75,000 BRIGHT MLS
• 2010-04-09 Sold (MLS) $21,500 MRIS
• 2010-04-09 Sold (MLS) $21,500 BRIGHT MLS
• 2010-03-17 Pending — MRIS
• 2010-03-17 Listing Removed — BRIGHT MLS
• 2010-03-12 Price Changed $25,000 MRIS
• 2010-02-12 Price Changed $30,000 MRIS
• 2010-02-09 Relisted — MRIS
• 2010-02-04 Pending — MRIS
• 2010-02-01 Relisted — MRIS
• 2010-01-28 Pending — MRIS
• 2010-01-21 Price Changed $33,000 MRIS
• 2010-01-20 Relisted — MRIS
• 2010-01-04 Pending — MRIS
• 2009-12-19 Listed $35,000 MRIS
• 2009-12-18 Listed $25,000 BRIGHT MLS
• 2005-04-01 Sold (Public Records) $66,000 Public Records
• 2004-12-15 Delisted — MRIS
• 2004-07-29 Listed — MRIS
• 2002-07-12 Sold (Public Records) $39,000 Public Records
• 2001-01-29 Sold (MLS) $8,000 MRIS
• 2000-11-30 Delisted — MRIS
• 2000-08-27 Delisted — MRIS
• 2000-07-27 Listed $25,200 MRIS
• 2000-04-19 Listed — MRIS
• 1998-03-07 Delisted — MRIS
• 1996-09-06 Listed — MRIS
• 1989-06-23 Sold (Public Records) $45,500 Public Records

Property tax history

+2.3%/yr

Latest (2025): $2,811 · +5.1% YoY. Source: county tax records.