3416 Round Rd · Baltimore, MD 21225

$109,900

3 bd · 1.5 ba · 1,080 sqft · Townhouse public records · 73 Days on market

Built 1995 1,524 sqft lot $102/sqft · 28% above area Est $86k · 28% over

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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 +30.0/30.0
• 1% rule +10.0/10.0
• DSCR +10.0/10.0
• Livability +3.8/5.0
• Rent growth +3.5/5.0
• Condition / age +2.5/5.0
• Schools +1.0/10.0
• ARV discount +0.0/15.0
• Appreciation +0.0/10.0

Listing remarks MLS

GREAT PRICE ADJUSTMENT!!!!Discover the charm of this colonial townhouse nestled in the sought-after Cherry Hill community. Built in 1995, this home boasts a timeless brick facade and a welcoming interior that invites you to create lasting memories.   With some sweat equity, you can have the best home in the neighborhood. The dining room is the  perfect size for those gatherings and also intimate dinners as well. The kitchen is equipped with many areas of storage, including a pantry.     Great size primary bedroom with full bath. Then you have two more good size bedrooms and another full bath. The basement is a blank slate and can be turned into whatever your mind can come up with. From gym to a recreation space to even a movie theater.    Outside, the property features a front yard and a private rear yard, perfect for outdoor gatherings or peaceful relaxation. Enjoy leisurely strolls along the sidewalks, enhanced by streetlights that illuminate the neighborhood. The home is a walking distance to Cherry Hill Park overlooking the Patapsco River .

Key facts

• Built 1995
• Listed 73 days

What this means for you Summary

Snapshot

• This is a 3-bed/1.5-bath townhouse listed at $110k.

Deal economics

• At list price, monthly cash flow is $606 ($7k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $110k).
• Recommended offer: $103k (6.0% below list) — sets the bar for market timing.
• Cap rate 12.9% 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 (+4.1%/yr); 165 active listings in the ZIP; 25 comparable units currently listed for rent nearby; rentals at typical pace (median 20d on market — plan ~3-4 weeks tenant-placement turnaround); 1,273 units permitted in Baltimore city in 2024 (1,104 in 5+ unit buildings).
• This rent runs 39% of the median local income ($54k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $760 of loan paydown is wiped out by about $3k 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 + 4.1% rent growth), your $31k cash investment doubles in ~5 years — after that, you're playing with house money.

Negotiation context

• It's been on market 73 days — a 6% lower offer ($103k) is reasonable based on typical stale-listing flexibility.
• Current owner paid $55k; list at $110k implies a 101% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• 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.

Recommended offer $103,306 (6.0% below list)

Questions for the listing agent

1. It's been on market 73 days. Have you received any prior offers? Is the seller open to a 6% concession, seller financing, or rate buy-down credit?
2. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
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. 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.
7. 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.
8. 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: 1.59% ✓
• Cap rate: 12.91%
• Cash-on-cash: 23.65%
• DSCR: 2.05
• GRM: 5.2

CMA / ARV

• ARV (median comp): $85,703
• List price: $109,900
• Delta: 28.23%
• 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
628 Roundview Rd	0.37mi	3/1.0	1,024 (-5%)	3mo	$85,100	$83	69
2847 Joseph Ave	0.53mi	3/1.5	1,116 (+3%)	1mo	$235,000	$211	69
504 Roundview	0.44mi	3/1.5	1,024 (-5%)	7mo	$98,000	$96	65
2741 Bookert Dr	0.33mi	3/1.0	1,204 (+12%)	12mo	$44,000	$37	53
604 Cheraton Rd	0.60mi	3/1.5	1,174 (+9%)	6mo	$95,000	$81	52
3011 Larue Sq E	0.65mi	3/1.0	960 (-11%)	9mo	$100,000	$104	42
3041 Southland Ave	0.56mi	3/1.5	1,240 (+15%)	10mo	$210,000	$169	41
217 Old Riverside Rd	0.68mi	3/2.0	1,200 (+11%)	9mo	$155,000	$129	41
207 W Meadow Rd	0.72mi	3/2.0	1,200 (+11%)	14mo	$219,000	$183	34
2828 Waterview Ave	0.74mi	2/1.0 (-1)	960 (-11%)	8mo	$50,000	$52	33
221 W Edgevale Rd	0.70mi	3/1.0	1,240 (+15%)	9mo	$225,000	$181	33
3036 Seamon Ave	0.58mi	3/2.5	1,240 (+15%)	16mo	$259,000	$209	32

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 · 4.08% rent growth · sell at horizon

5-year hold

• IRR: 18.0%
• Equity multiple: 1.74×
• Total profit: $22,768
• Equity at exit: $16,386

10-year hold

• IRR: 27.2%
• Equity multiple: 3.53×
• Total profit: $77,760
• Equity at exit: $9,502

Cash invested: $30,772 (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 21225

• Home prices YoY: -31.9%
• Rents YoY: 4.1%
• Active inventory: 165
• Price-to-rent: 5.2×

Monthly cashflow live

• Estimated rent: $1,749 high
• Mortgage (P&I): −$576
• Tax from tax record: −$154 /mo · $1,843/yr
• Insurance: −$46
• HOA: −$0
• Vacancy / Maint / Mgmt: −$367
• Net cashflow: $606

Break-even live

Break-even rent $982

Max offer price $109,900

Occupancy floor 60%

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: $27,475
• Closing costs: $3,297
• Reserves months: —
• Total cash needed: —

Rent comps 25 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
2745 Round Rd Brooklyn, MD	2.0	2.0	756	$1,800	$2.38	43d	1	0.29mi
511 Seagull Ave Brooklyn, MD	2.0	1.0	756	$1,550	$2.05	23d	1	0.48mi
2454 Terra Firma Rd Brooklyn, MD	3.0	1.0	1024	$1,650	$1.61	14d	1	0.52mi
607 Cheraton Rd Brooklyn, MD	3.0	3.0	1200	$1,750	$1.46	14d	1	0.54mi
3010 Alabama Ave Halethorpe, MD	2.0	1.0	900	$2,200	$2.44	17d	1	0.57mi
130 Reedbird Ave Brooklyn, MD	2.0	1.0	1152	$1,700	$1.48	23d	1	0.63mi
2868 Potee St Baltimore, MD	1.0–3.0	1.0	720	$1,599	$2.22	2d	22	0.73mi
217 W Edgevale Rd Brooklyn, MD	3.0	1.5	992	$1,800	$1.81	23d	1	0.75mi
49 Talbott St Brooklyn, MD	2.0	1.0	1300	$1,300	$1.00	23d	1	0.81mi
303 Arden Rd W Brooklyn, MD	3.0	2.0	1388	$2,500	$1.80	17d	1	0.86mi
3513 Horton Ave Brooklyn, MD	3.0	1.0	1020	$1,600	$1.57	17d	1	1.11mi
3569 4th St Brooklyn, MD	2.0	1.5	1256	$1,200	$0.96	17d	1	1.16mi
4207 3rd St Unit 3 Brooklyn, MD	2.0	1.0	850	$1,595	$1.88	4d	1	1.20mi
2200 W Patapsco Ave Baltimore, MD	3.0	1.0	890	$1,569	$1.76	43d	1	1.27mi
507 Washburn Ave Brooklyn, MD	3.0	1.5	1024	$2,500	$2.44	23d	1	1.31mi
507 Washburn Ave Brooklyn, MD	3.0	1.5	1024	$2,500	$2.44	20d	1	1.31mi
507 Washburn Ave Brooklyn, MD	3.0	1.5	1024	$2,500	$2.44	4d	1	1.31mi
4400 4th St Unit BASEMENT Baltimore, MD	2.0	1.0	925	$1,350	$1.46	43d	1	1.31mi
3528 6th St Brooklyn, MD	2.0	2.5	1060	$1,500	$1.42	17d	1	1.32mi
2500 Insulator Dr Baltimore, MD	3.0	1.0–2.0	988	$4,786	$4.84	2d	152	1.39mi
4206 Audrey Ave Brooklyn, MD	2.0	2.0	1104	$1,275	$1.15	43d	1	1.44mi
4206 Audrey Ave Brooklyn, MD	3.0	3.0	1104	$1,950	$1.77	23d	1	1.44mi
902 Catawba Ct Halethorpe, MD	3.0	1.0	906	$1,495	$1.65	21d	1	1.47mi
4201 Audrey Ave Unit 1 Brooklyn, MD	2.0	1.0	1400	$1,350	$0.96	23d	1	1.47mi
3840 8th St Brooklyn, MD	3.0	1.5	1088	$1,606	$1.48	4d	1	1.49mi

Listing history 22 events

1. 2026-06-18
   days on market $109,900 Active 73 DOM
2. 2026-06-17
   days on market $109,900 Active 72 DOM
3. 2026-06-16
   days on market $109,900 Active 71 DOM
4. 2026-06-15
   days on market $109,900 Active 70 DOM
5. 2026-06-13
   days on market $109,900 Active 68 DOM
6. 2026-06-09
   days on market $109,900 Active 64 DOM
7. 2026-06-08
   days on market $109,900 Active 63 DOM
8. 2026-06-07
   pricedays on market $109,900 Active 62 DOM
9. 2026-06-04
   days on market $114,900 Active 59 DOM
10. 2026-06-03
    days on market $114,900 Active 58 DOM
11. 2026-06-02
    days on market $114,900 Active 57 DOM
12. 2026-06-01
    days on market $114,900 Active 56 DOM
13. 2026-05-31
    days on market $114,900 Active 55 DOM
14. 2026-05-13
    price $114,900 1110-char remark

    Show marketing remark (1110 chars)

    GREAT PRICE ADJUSTMENT!!!!Discover the charm of this colonial townhouse nestled in the sought-after Cherry Hill community. Built in 1995, this home boasts a timeless brick facade and a welcoming interior that invites you to create lasting memories.   With some sweat equity, you can have the best home in the neighborhood. The dining room is the  perfect size for those gatherings and also intimate dinners as well. The kitchen is equipped with many areas of storage, including a pantry.     Great size primary bedroom with full bath. Then you have two more good size bedrooms and another full bath. The basement is a blank slate and can be turned into whatever your mind can come up with. From gym to a recreation space to even a movie theater.    Outside, the property features a front yard and a private rear yard, perfect for outdoor gatherings or peaceful relaxation. Enjoy leisurely strolls along the sidewalks, enhanced by streetlights that illuminate the neighborhood. The home is a walking distance to Cherry Hill Park overlooking the Patapsco River .

15. 2026-05-06
    price $124,000 1110-char remark

    Show marketing remark (1110 chars)

    GREAT PRICE ADJUSTMENT!!!!Discover the charm of this colonial townhouse nestled in the sought-after Cherry Hill community. Built in 1995, this home boasts a timeless brick facade and a welcoming interior that invites you to create lasting memories.   With some sweat equity, you can have the best home in the neighborhood. The dining room is the  perfect size for those gatherings and also intimate dinners as well. The kitchen is equipped with many areas of storage, including a pantry.     Great size primary bedroom with full bath. Then you have two more good size bedrooms and another full bath. The basement is a blank slate and can be turned into whatever your mind can come up with. From gym to a recreation space to even a movie theater.    Outside, the property features a front yard and a private rear yard, perfect for outdoor gatherings or peaceful relaxation. Enjoy leisurely strolls along the sidewalks, enhanced by streetlights that illuminate the neighborhood. The home is a walking distance to Cherry Hill Park overlooking the Patapsco River .

16. 2026-04-27
    price $129,900 1110-char remark

    Show marketing remark (1110 chars)

    GREAT PRICE ADJUSTMENT!!!!Discover the charm of this colonial townhouse nestled in the sought-after Cherry Hill community. Built in 1995, this home boasts a timeless brick facade and a welcoming interior that invites you to create lasting memories.   With some sweat equity, you can have the best home in the neighborhood. The dining room is the  perfect size for those gatherings and also intimate dinners as well. The kitchen is equipped with many areas of storage, including a pantry.     Great size primary bedroom with full bath. Then you have two more good size bedrooms and another full bath. The basement is a blank slate and can be turned into whatever your mind can come up with. From gym to a recreation space to even a movie theater.    Outside, the property features a front yard and a private rear yard, perfect for outdoor gatherings or peaceful relaxation. Enjoy leisurely strolls along the sidewalks, enhanced by streetlights that illuminate the neighborhood. The home is a walking distance to Cherry Hill Park overlooking the Patapsco River .

17. 2026-04-06
    listed $145,000 Active 1110-char remark

    Show marketing remark (1110 chars)

    GREAT PRICE ADJUSTMENT!!!!Discover the charm of this colonial townhouse nestled in the sought-after Cherry Hill community. Built in 1995, this home boasts a timeless brick facade and a welcoming interior that invites you to create lasting memories.   With some sweat equity, you can have the best home in the neighborhood. The dining room is the  perfect size for those gatherings and also intimate dinners as well. The kitchen is equipped with many areas of storage, including a pantry.     Great size primary bedroom with full bath. Then you have two more good size bedrooms and another full bath. The basement is a blank slate and can be turned into whatever your mind can come up with. From gym to a recreation space to even a movie theater.    Outside, the property features a front yard and a private rear yard, perfect for outdoor gatherings or peaceful relaxation. Enjoy leisurely strolls along the sidewalks, enhanced by streetlights that illuminate the neighborhood. The home is a walking distance to Cherry Hill Park overlooking the Patapsco River .

18. 2026-04-06
    historical $145,000 1110-char remark

    Show marketing remark (1110 chars)

    GREAT PRICE ADJUSTMENT!!!!Discover the charm of this colonial townhouse nestled in the sought-after Cherry Hill community. Built in 1995, this home boasts a timeless brick facade and a welcoming interior that invites you to create lasting memories.   With some sweat equity, you can have the best home in the neighborhood. The dining room is the  perfect size for those gatherings and also intimate dinners as well. The kitchen is equipped with many areas of storage, including a pantry.     Great size primary bedroom with full bath. Then you have two more good size bedrooms and another full bath. The basement is a blank slate and can be turned into whatever your mind can come up with. From gym to a recreation space to even a movie theater.    Outside, the property features a front yard and a private rear yard, perfect for outdoor gatherings or peaceful relaxation. Enjoy leisurely strolls along the sidewalks, enhanced by streetlights that illuminate the neighborhood. The home is a walking distance to Cherry Hill Park overlooking the Patapsco River .

19. 1995-01-10
    soldstatus $54,550
20. 1995-01-10
    soldstatus $54,550
21. 1995-01-10
    soldstatus $54,550
22. 1995-01-10
    soldstatus $54,550

ⓘ 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: $1,843 · $154/mo
• Projected year-2 tax: $1,843 · $154/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 8/10 Severe 7 d/yr ≥102°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 5 unhealthy d/yr today · 7 by 30 yrs out

Taxation est. · year 1

• Rental income: $20,993
• − Mortgage interest: −$6,156
• − Property taxes: −$1,843
• − Insurance: −$550
• − Repairs & maintenance: −$1,679
• − Management: −$1,679
• − Depreciation: −$3,197
• Taxable income: $5,889
• Est. tax owed @ 24.0%: −$1,413
• After-tax cash flow: $5,863/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: Anne Arundel County · 535,653 people
• City population: 588,727
• Metro: Baltimore-Columbia-Towson, MD
• Population (ZIP): 34,062
• Household income: $54,020
• Rent vs Own: 50.4% rent · 49.6% own
• Severe rent burden: 1440.0

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: Diverse neighborhood (Simpson 0.68)
• Race & ethnicity: Black 42% White 32% Hispanic / Latino 20% Two or more races 8% Native American 3% Asian 2%
• Hispanic origin (detail): Mexican 5% Puerto Rican 1%
• Common ancestry: Romanian 2% Lithuanian 1% Iranian 1%
• Foreign-born: 12% · Canada, China
• Languages at home: 81% English-only · Spanish 16% Other Indo-European 1% 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: ▼ -119.44%
• Current HPI: 254.5089
• Rent YoY: ▲ 4.08%
• 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

+110.6% since first listed

9 events — show timeline

• 2026-05-13 Price Changed $114,900 BRIGHT MLS
• 2026-05-06 Price Changed $124,000 BRIGHT MLS
• 2026-04-27 Price Changed $129,900 BRIGHT MLS
• 2026-04-06 Listed $145,000 BRIGHT MLS
• 2026-04-06 Coming Soon $145,000 BRIGHT MLS
• 1995-01-10 Sold (Public Records) $54,550 Public Records
• 1995-01-10 Sold (Public Records) $54,550 Public Records
• 1995-01-10 Sold (Public Records) $54,550 Public Records
• 1995-01-10 Sold (Public Records) $54,550 Public Records

Property tax history

-1.8%/yr

Latest (2025): $1,843 · +5.6% YoY. Source: county tax records.