304 Lyndhurst St · Baltimore, MD 21229

$132,500

4 bd · 2.0 ba · 1,434 sqft · Townhouse public records · 478 Days on market

Built 1924 1,826 sqft lot $92/sqft · 31% below area Est $191k · 31% under

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Why this score? — see what drove the B+ 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
• ARV discount +15.0/15.0
• 1% rule +10.0/10.0
• DSCR +10.0/10.0
• Rent growth +3.8/5.0
• Livability +3.8/5.0
• Condition / age +2.5/5.0
• Schools +1.0/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

This charming all-brick townhome in Allendale is ready for your personal touch. Boasting an open floor plan with approximately 1,434 square feet of living space, this unit features 4 bedrooms and 1 full bath. Conveniently located near schools and shopping, it offers both comfort and accessibility—perfect for today’s busy lifestyle. With limitless opportunities to showcase your unique style, this townhome is filled with potential waiting to be unlocked. Don’t miss your chance to make it your own—act now and begin envisioning the possibilities in this lovely space! Schedule your showing today and imagine the lifestyle that awaits you! Being sold AS IS, WHERE IS, Buyer is responsible for all inspections & any city requirements to close. All info & property details set forth in this listing, including all utilities & all room dimensions which are approximate & deemed reliable but not guaranteed & should be independently verified if any person intends to engage in a transaction based upon it. Seller/current owner does not represent & /or guarantee that all property info & details have been provided in this MLS listing.

Key facts

• Built 1924
• Listed 478 days

What this means for you Summary

Snapshot

• This is a 4-bed/2.0-bath townhouse listed at $132k.

Deal economics

• At list price, monthly cash flow is $680 ($8k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $132k).
• Recommended offer: $117k (12.0% below list) — sets the bar for market timing.
• Cap rate 12.5% 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 (+5.4%/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); 45% 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).
• This rent runs 40% of the median local income ($60k/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 $916 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 + 5.4% rent growth), your $37k cash investment doubles in ~5 years — after that, you're playing with house money.

Negotiation context

• It's been on market 478 days — a 12% lower offer ($117k) is reasonable based on typical stale-listing flexibility.
• 9 sale attempts since 5y ago; this cycle's ask has dropped $67k (34%) 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: moderate wind risk, 26% 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 $116,600 (12.0% below list)

Questions for the listing agent

1. It's been on market 478 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
2. Built in 1924 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
4. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
5. 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?
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. 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: 1.52% ✓
• Cap rate: 12.45%
• Cash-on-cash: 22.00%
• DSCR: 1.98
• GRM: 5.5

CMA / ARV

• ARV (median comp): $190,923
• List price: $132,500
• Delta: -30.60%
• Verdict: UNDERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
509 Normandy Ave	0.13mi	4/2.5	1,458 (+2%)	1mo	$212,000	$145	88
517 N Edgewood St	0.33mi	4/2.5	1,430 (-0%)	2mo	$90,000	$63	81
3707 Colborne Rd	0.47mi	3/2.0 (-1)	1,400 (-2%)	1mo	$220,000	$157	68
101 Upmanor Rd	0.54mi	3/1.0 (-1)	1,408 (-2%)	1mo	$205,000	$146	62
300 Denison St	0.32mi	3/2.0 (-1)	1,260 (-12%)	2mo	$205,000	$163	58
1000 Mount Holly St	0.54mi	3/1.5 (-1)	1,290 (-10%)	1mo	$93,000	$72	51
1226 N Augusta Ave	0.71mi	3/2.0 (-1)	1,536 (+7%)	0mo	$212,000	$138	50
3821 Stokes Dr	0.64mi	3/2.0 (-1)	1,254 (-13%)	1mo	$145,000	$116	43
5 Rosedale St S	0.74mi	3/2.0 (-1)	1,280 (-11%)	1mo	$110,000	$86	42
28 S Bernice Ave	0.71mi	3/1.0 (-1)	1,280 (-11%)	1mo	$147,000	$115	39
40 Hillvale Rd	0.74mi	3/2.0 (-1)	1,224 (-15%)	1mo	$230,000	$188	35
48 Hillvale Rd	0.74mi	3/1.5 (-1)	1,224 (-15%)	2mo	$180,000	$147	33

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 · 5.38% rent growth · sell at horizon

5-year hold

• IRR: 17.4%
• Equity multiple: 1.72×
• Total profit: $26,802
• Equity at exit: $19,756

10-year hold

• IRR: 27.5%
• Equity multiple: 3.71×
• Total profit: $100,442
• Equity at exit: $11,456

Cash invested: $37,100 (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 21229

• Rents YoY: 5.4%
• Active inventory: 252
• Price-to-rent: 5.5×

Monthly cashflow live

• Estimated rent: $2,009 high
• Mortgage (P&I): −$695
• Tax from tax record: −$157 /mo · $1,881/yr
• Insurance: −$55
• HOA: −$0
• Vacancy / Maint / Mgmt: −$422
• Net cashflow: $680

Break-even live

Break-even rent $1,148

Max offer price $132,500

Occupancy floor 61%

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: $33,125
• Closing costs: $3,975
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
409 Normandy Ave Baltimore, MD	4.0	1.0	1640	$1,500	$0.91	23d	1	0.07mi
3607 W Lexington St Baltimore, MD	3.0	2.0	1050	$1,895	$1.80	4d	1	0.22mi
202 N Edgewood St Baltimore, MD	3.0	2.0	1710	$2,250	$1.32	23d	1	0.26mi
405 N Edgewood St Baltimore, MD	4.0	2.0	1408	$2,950	$2.10	4d	1	0.32mi
3507 Edmondson Ave Baltimore, MD	4.0	2.0	1428	$2,300	$1.61	43d	1	0.33mi
3712 Gelston Dr Baltimore, MD	3.0	2.0	1250	$2,500	$2.00	23d	1	0.35mi
623 N Grantley St Baltimore, MD	4.0	2.0	1250	$2,000	$1.60	23d	1	0.35mi
4020 Gelston Dr Baltimore, MD	3.0	2.0	1270	$1,875	$1.48	43d	1	0.35mi
730 Linnard St Unit 1 Baltimore, MD	4.0	1.0	1360	$1,750	$1.29	23d	1	0.44mi
41 N Kossuth St Baltimore, MD	3.0	2.0	1216	$1,800	$1.48	23d	1	0.44mi
117 Collins Ave Baltimore, MD	3.0	3.0	1617	$2,350	$1.45	43d	1	0.46mi
4018 Massachusetts Ave Baltimore, MD	3.0	1.0	1050	$1,400	$1.33	23d	1	0.52mi
111 Upmanor Rd Baltimore, MD	3.0	1.5	1224	$2,163	$1.77	43d	1	0.53mi
787 N Grantley St Baltimore, MD	3.0	1.0	1116	$1,575	$1.41	23d	1	0.53mi
3336 W Caton Ave Baltimore, MD	3.0	2.0	1236	$1,625	$1.31	23d	1	0.53mi
780 Linnard St Baltimore, MD	3.0	2.0	1224	$1,590	$1.30	43d	1	0.53mi
212 S Loudon Ave Baltimore, MD	3.0	1.5	1310	$1,550	$1.18	43d	1	0.55mi
798 N Grantley St Baltimore, MD	3.0	2.0	1360	$2,295	$1.69	23d	1	0.55mi
917 Kevin Rd Baltimore, MD	3.0	2.0	1151	$1,795	$1.56	1d	1	0.60mi
4103 Mountwood Rd Baltimore, MD	3.0	2.0	1030	$1,700	$1.65	43d	1	0.68mi
1216 N Augusta Ave Baltimore, MD	3.0	1.0	1024	$1,550	$1.51	23d	1	0.68mi
4113 Mountwood Rd Baltimore, MD	3.0	1.0	1520	$1,795	$1.18	43d	1	0.69mi
304 Collins Ave Unit 2 Baltimore, MD	3.0	1.0	1016	$2,100	$2.07	43d	1	0.70mi
715 N Rosedale St Baltimore, MD	5.0	3.0	1542	$2,550	$1.65	43d	1	0.78mi
3015 Rayner Ave Baltimore, MD	3.0	1.0	1152	$1,350	$1.17	43d	1	0.82mi
2922 Edmondson Ave Baltimore, MD	3.0	2.0	1620	$1,900	$1.17	43d	1	0.86mi
3238 Westmont Ave Baltimore, MD	3.0	1.0	1280	$1,600	$1.25	43d	1	0.88mi
219 Atholgate Ln Baltimore, MD	1.0–3.0	1.0–1.5	814	$1,500	$1.84	2d	2	0.91mi
19 S Tremont Rd Baltimore, MD	3.0	1.0	1350	$1,850	$1.37	43d	1	0.92mi
2 S Tremont Rd Baltimore, MD	3.0	2.0	1450	$1,800	$1.24	10d	1	0.92mi
2 S Tremont Rd Baltimore, MD	3.0	2.0	1450	$1,800	$1.24	23d	1	0.92mi
2815 W Mulberry St Baltimore, MD	4.0	2.0	1040	$2,050	$1.97	43d	1	0.98mi
4301 Parkton St Baltimore, MD	1.0–3.0	1.0	730	$1,550	$2.12	43d	1	0.98mi
3130 Stafford St Baltimore, MD	3.0	1.0	1200	$1,500	$1.25	20d	1	1.01mi
3309 Brighton St Baltimore, MD	3.0	1.0	1134	$1,700	$1.50	43d	1	1.06mi
114 S Rock Glen Rd Baltimore, MD	4.0	1.5	1160	$2,350	$2.03	12d	1	1.11mi
1513 N Ellamont St Baltimore, MD	3.0	1.0	1700	$1,700	$1.00	23d	1	1.11mi
2636 Lauretta Ave Baltimore, MD	3.0	2.5	1232	$1,900	$1.54	43d	1	1.13mi
2744 W Mosher St Baltimore, MD	4.0	2.0	1412	$2,100	$1.49	23d	1	1.13mi
4431 Eldone Rd Baltimore, MD	3.0	2.0	896	$2,000	$2.23	23d	1	1.13mi

Listing history 36 events

1. 2026-06-18
   days on market $132,500 Active 478 DOM
2. 2026-06-17
   days on market $132,500 Active 477 DOM
3. 2026-06-16
   days on market $132,500 Active 476 DOM
4. 2026-06-15
   days on market $132,500 Active 475 DOM
5. 2026-06-13
   days on market $132,500 Active 473 DOM
6. 2026-06-09
   days on market $132,500 Active 469 DOM
7. 2026-06-08
   days on market $132,500 Active 468 DOM
8. 2026-06-07
   days on market $132,500 Active 467 DOM
9. 2026-06-04
   days on market $132,500 Active 464 DOM
10. 2026-06-03
    days on market $132,500 Active 463 DOM
11. 2026-06-02
    days on market $132,500 Active 462 DOM
12. 2026-06-01
    days on market $132,500 Active 461 DOM
13. 2026-05-31
    days on market $132,500 Active 460 DOM
14. 2026-05-14
    status Active 1196-char remark

    Show marketing remark (1196 chars)

    This charming all-brick townhome in Allendale is ready for your personal touch. Boasting an open floor plan with approximately 1,434 square feet of living space, this unit features 4 bedrooms and 1 full bath. Conveniently located near schools and shopping, it offers both comfort and accessibility—perfect for today’s busy lifestyle. With limitless opportunities to showcase your unique style, this townhome is filled with potential waiting to be unlocked. Don’t miss your chance to make it your own—act now and begin envisioning the possibilities in this lovely space! Schedule your showing today and imagine the lifestyle that awaits you! Being sold AS IS, WHERE IS, Buyer is responsible for all inspections & any city requirements to close. All info & property details set forth in this listing, including all utilities & all room dimensions which are approximate & deemed reliable but not guaranteed & should be independently verified if any person intends to engage in a transaction based upon it. Seller/current owner does not represent & /or guarantee that all property info & details have been provided in this MLS listing.

15. 2026-04-20
    status Pending 1196-char remark

    Show marketing remark (1196 chars)

    This charming all-brick townhome in Allendale is ready for your personal touch. Boasting an open floor plan with approximately 1,434 square feet of living space, this unit features 4 bedrooms and 1 full bath. Conveniently located near schools and shopping, it offers both comfort and accessibility—perfect for today’s busy lifestyle. With limitless opportunities to showcase your unique style, this townhome is filled with potential waiting to be unlocked. Don’t miss your chance to make it your own—act now and begin envisioning the possibilities in this lovely space! Schedule your showing today and imagine the lifestyle that awaits you! Being sold AS IS, WHERE IS, Buyer is responsible for all inspections & any city requirements to close. All info & property details set forth in this listing, including all utilities & all room dimensions which are approximate & deemed reliable but not guaranteed & should be independently verified if any person intends to engage in a transaction based upon it. Seller/current owner does not represent & /or guarantee that all property info & details have been provided in this MLS listing.

16. 2026-03-03
    price $132,500 1196-char remark

    Show marketing remark (1196 chars)

    This charming all-brick townhome in Allendale is ready for your personal touch. Boasting an open floor plan with approximately 1,434 square feet of living space, this unit features 4 bedrooms and 1 full bath. Conveniently located near schools and shopping, it offers both comfort and accessibility—perfect for today’s busy lifestyle. With limitless opportunities to showcase your unique style, this townhome is filled with potential waiting to be unlocked. Don’t miss your chance to make it your own—act now and begin envisioning the possibilities in this lovely space! Schedule your showing today and imagine the lifestyle that awaits you! Being sold AS IS, WHERE IS, Buyer is responsible for all inspections & any city requirements to close. All info & property details set forth in this listing, including all utilities & all room dimensions which are approximate & deemed reliable but not guaranteed & should be independently verified if any person intends to engage in a transaction based upon it. Seller/current owner does not represent & /or guarantee that all property info & details have been provided in this MLS listing.

17. 2025-11-26
    price $145,000 1196-char remark

    Show marketing remark (1196 chars)

    This charming all-brick townhome in Allendale is ready for your personal touch. Boasting an open floor plan with approximately 1,434 square feet of living space, this unit features 4 bedrooms and 1 full bath. Conveniently located near schools and shopping, it offers both comfort and accessibility—perfect for today’s busy lifestyle. With limitless opportunities to showcase your unique style, this townhome is filled with potential waiting to be unlocked. Don’t miss your chance to make it your own—act now and begin envisioning the possibilities in this lovely space! Schedule your showing today and imagine the lifestyle that awaits you! Being sold AS IS, WHERE IS, Buyer is responsible for all inspections & any city requirements to close. All info & property details set forth in this listing, including all utilities & all room dimensions which are approximate & deemed reliable but not guaranteed & should be independently verified if any person intends to engage in a transaction based upon it. Seller/current owner does not represent & /or guarantee that all property info & details have been provided in this MLS listing.

18. 2025-09-12
    price $155,900 1196-char remark

    Show marketing remark (1196 chars)

    This charming all-brick townhome in Allendale is ready for your personal touch. Boasting an open floor plan with approximately 1,434 square feet of living space, this unit features 4 bedrooms and 1 full bath. Conveniently located near schools and shopping, it offers both comfort and accessibility—perfect for today’s busy lifestyle. With limitless opportunities to showcase your unique style, this townhome is filled with potential waiting to be unlocked. Don’t miss your chance to make it your own—act now and begin envisioning the possibilities in this lovely space! Schedule your showing today and imagine the lifestyle that awaits you! Being sold AS IS, WHERE IS, Buyer is responsible for all inspections & any city requirements to close. All info & property details set forth in this listing, including all utilities & all room dimensions which are approximate & deemed reliable but not guaranteed & should be independently verified if any person intends to engage in a transaction based upon it. Seller/current owner does not represent & /or guarantee that all property info & details have been provided in this MLS listing.

19. 2025-05-05
    price $169,900 1196-char remark

    Show marketing remark (1196 chars)

    This charming all-brick townhome in Allendale is ready for your personal touch. Boasting an open floor plan with approximately 1,434 square feet of living space, this unit features 4 bedrooms and 1 full bath. Conveniently located near schools and shopping, it offers both comfort and accessibility—perfect for today’s busy lifestyle. With limitless opportunities to showcase your unique style, this townhome is filled with potential waiting to be unlocked. Don’t miss your chance to make it your own—act now and begin envisioning the possibilities in this lovely space! Schedule your showing today and imagine the lifestyle that awaits you! Being sold AS IS, WHERE IS, Buyer is responsible for all inspections & any city requirements to close. All info & property details set forth in this listing, including all utilities & all room dimensions which are approximate & deemed reliable but not guaranteed & should be independently verified if any person intends to engage in a transaction based upon it. Seller/current owner does not represent & /or guarantee that all property info & details have been provided in this MLS listing.

20. 2025-02-14
    price $184,900 1196-char remark

    Show marketing remark (1196 chars)

    This charming all-brick townhome in Allendale is ready for your personal touch. Boasting an open floor plan with approximately 1,434 square feet of living space, this unit features 4 bedrooms and 1 full bath. Conveniently located near schools and shopping, it offers both comfort and accessibility—perfect for today’s busy lifestyle. With limitless opportunities to showcase your unique style, this townhome is filled with potential waiting to be unlocked. Don’t miss your chance to make it your own—act now and begin envisioning the possibilities in this lovely space! Schedule your showing today and imagine the lifestyle that awaits you! Being sold AS IS, WHERE IS, Buyer is responsible for all inspections & any city requirements to close. All info & property details set forth in this listing, including all utilities & all room dimensions which are approximate & deemed reliable but not guaranteed & should be independently verified if any person intends to engage in a transaction based upon it. Seller/current owner does not represent & /or guarantee that all property info & details have been provided in this MLS listing.

21. 2025-02-01
    listed $199,900 Active 1196-char remark

    Show marketing remark (1196 chars)

    This charming all-brick townhome in Allendale is ready for your personal touch. Boasting an open floor plan with approximately 1,434 square feet of living space, this unit features 4 bedrooms and 1 full bath. Conveniently located near schools and shopping, it offers both comfort and accessibility—perfect for today’s busy lifestyle. With limitless opportunities to showcase your unique style, this townhome is filled with potential waiting to be unlocked. Don’t miss your chance to make it your own—act now and begin envisioning the possibilities in this lovely space! Schedule your showing today and imagine the lifestyle that awaits you! Being sold AS IS, WHERE IS, Buyer is responsible for all inspections & any city requirements to close. All info & property details set forth in this listing, including all utilities & all room dimensions which are approximate & deemed reliable but not guaranteed & should be independently verified if any person intends to engage in a transaction based upon it. Seller/current owner does not represent & /or guarantee that all property info & details have been provided in this MLS listing.

22. 2025-01-27
    historical
23. 2025-01-21
    listed $199,900 Active
24. 2024-06-04
    historical
25. 2024-04-09
    listed $209,500 Active
26. 2023-06-12
    historical
27. 2023-06-05
    listed $224,500 Active
28. 2022-12-30
    historical
29. 2022-11-22
    listed $89,900 Active
30. 2022-10-24
    historical
31. 2022-10-18
    price $89,900
32. 2022-09-30
    status Active
33. 2022-09-29
    historical
34. 2022-06-30
    listed $101,900 Active
35. 2022-06-28
    historical
36. 2021-11-06
    listed $101,900 Active

ⓘ 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: $1,881 · $157/mo
• Projected year-2 tax: $1,881 · $157/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 5/10 Major 26% 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: $24,106
• − Mortgage interest: −$7,422
• − Property taxes: −$1,881
• − Insurance: −$662
• − Repairs & maintenance: −$1,928
• − Management: −$1,928
• − Depreciation: −$3,855
• Taxable income: $6,429
• Est. tax owed @ 24.0%: −$1,543
• After-tax cash flow: $6,619/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): 46,679
• Household income: $60,047
• Rent vs Own: 43.1% rent · 56.9% own
• Severe rent burden: 2776.0

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 (73%)
• Race & ethnicity: Black 73% White 15% Hispanic / Latino 6% Two or more races 4% Asian 3%
• Common ancestry: Lithuanian 1% Romanian 1% Serbian 1%
• Foreign-born: 5% · Canada, Philippines
• Languages at home: 91% English-only · Spanish 4% Other Indo-European 2% Other Asian/Pacific 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: ▼ -259.07%
• Current HPI: 226.896
• Rent YoY: ▲ 5.38%
• 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

+30.0% since first listed

23 events — show timeline

• 2026-05-14 Relisted — BRIGHT MLS
• 2026-04-20 Pending — BRIGHT MLS
• 2026-03-03 Price Changed $132,500 BRIGHT MLS
• 2025-11-26 Price Changed $145,000 BRIGHT MLS
• 2025-09-12 Price Changed $155,900 BRIGHT MLS
• 2025-05-05 Price Changed $169,900 BRIGHT MLS
• 2025-02-14 Price Changed $184,900 BRIGHT MLS
• 2025-02-01 Listed $199,900 BRIGHT MLS
• 2025-01-27 Listing Removed — BRIGHT MLS
• 2025-01-21 Listed $199,900 BRIGHT MLS
• 2024-06-04 Listing Removed — BRIGHT MLS
• 2024-04-09 Listed $209,500 BRIGHT MLS
• 2023-06-12 Listing Removed — BRIGHT MLS
• 2023-06-05 Listed $224,500 BRIGHT MLS
• 2022-12-30 Listing Removed — BRIGHT MLS
• 2022-11-22 Listed $89,900 BRIGHT MLS
• 2022-10-24 Listing Removed — BRIGHT MLS
• 2022-10-18 Price Changed $89,900 BRIGHT MLS
• 2022-09-30 Relisted — BRIGHT MLS
• 2022-09-29 Listing Removed — BRIGHT MLS
• 2022-06-30 Listed $101,900 BRIGHT MLS
• 2022-06-28 Listing Removed — BRIGHT MLS
• 2021-11-06 Listed $101,900 BRIGHT MLS

Property tax history

+0.1%/yr

Latest (2025): $1,881 · +7.1% YoY. Source: county tax records.