643 S Gunsmoke Trl · Chesapeake Ranch Estates, MD 20657

$299,999

3 bd · 2.5 ba · 1,277 sqft · SingleFamily public records · 100 Days on market

Built 1988 0.45 ac lot $235/sqft · 11% below area Est $338k · 11% under $48/mo HOA · 2% of rent

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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).

• ARV discount +12.6/15.0
• Cash flow +11.5/30.0
• DSCR +3.4/10.0
• Schools +3.3/10.0
• Livability +3.3/5.0
• 1% rule +3.0/10.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Welcome home to this unique and quaint 3-bedroom, 2-full-bath gem that blends charm with thoughtful modern upgrades. The beautifully updated kitchen shines with all-new black stainless-steel appliances, including a microwave with built-in air fryer, perfect for everyday living and entertaining. Behind the scenes, enjoy peace of mind with a fully encapsulated crawl space, new footers with a 25-year warranty, and new roof shingles. Step outside to a quaint, fully fenced yard and relax or host gatherings on the oversized back deck—your own private retreat. This well-maintained home is full of character, comfort, and value, ready for its next owner to fall in love. Make an appointment today!

Key facts

• New roof shingles
• Oversized back deck
• Updated kitchen

Tags

• UPDATED KITCHEN
• FULLY ENCAPSULATED CRAWL SPACE
• NEW ROOF SHINGLES
• FULLY FENCED YARD
• OVERSIZED BACK DECK

What this means for you Summary

Snapshot

• This is a 3-bed/2.5-bath single-family listed at $300k.

Deal economics

• At list price, monthly cash flow is $-99 ($-1k/yr) — negative.
• To cash-flow at today's rent, offer at most $283k (5.8% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $241k (19.6% below list).
• Recommended offer: $241k (19.6% below list) — sets the bar for 1% rule.
• Cap rate 5.9% vs local median 4.7% in Chesapeake Ranch Estates — meaningfully above typical; check what's discounted (condition, days-on-market, listing class) to confirm the premium yield is real.

Location & tenants

• Location reads 66/100 on livability (#240 in MD) — a middle-class / working-renter tenant base. Strengths: employment A+, housing A+; Watch: cost of living C-, crime D+, amenities F.
• Calvert County Public Schools (rural): math 23% / reading 44% proficiency, ranked #5 of 24 in MD (top 21%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases; only 19% free/reduced lunch — higher-income household profile.
• Zoned schools: Patuxent Appeal Elementary Campus (math 8% / reading 17%, grade F, #535 of 860 statewide, top 62%, 712 students, 55% FRL); Southern Middle (math 5% / reading 37%, grade F, #134 of 225 statewide, top 62%, 449 students, 43% FRL); Patuxent High (math 52% / reading 81%, grade B, #53 of 222 statewide, top 24%, 1,029 students, 34% FRL) — zoned schools average 44% FRL vs 19% district-wide (25 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Market conditions: 177 active listings in the ZIP; 5 comparable units currently listed for rent nearby; rentals at typical pace (median 19d on market — plan ~3-4 weeks tenant-placement turnaround); high-income renter base; 101 units permitted in Calvert County in 2024 (0 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $2k of loan paydown is wiped out by about $9k of value loss. Plan a longer hold.

Negotiation context

• It's been on market 100 days — a 9% lower offer ($273k) is reasonable based on typical stale-listing flexibility.
• 30 sale attempts since 25y ago; this cycle's ask has dropped $20k (6%) from the opening price — seller is motivated, your offer sets the floor, not the list.
• Current owner paid $260k; 15% above their basis — modest negotiation headroom, anchor on the comps not their cost.

Risks & watch-outs

• Climate carrying-cost: major wind risk, 79% chance of damaging wind over 30y; extreme-heat days projected 7→17/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $241,175 (19.6% below list)

Questions for the listing agent

1. What do current leases actually rent for vs. the listed asking? Can we see a recent rent roll and the last 12 months of T-12 income?
2. It's been on market 100 days. Have you received any prior offers? Is the seller open to a 20% concession, seller financing, or rate buy-down credit?
3. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
4. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
5. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
6. 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?
7. Crime grade is D 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?
8. 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?
9. 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.
10. 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.
11. 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: 0.80% ✗
• Cap rate: 5.90%
• Cash-on-cash: -1.41%
• DSCR: 0.94
• GRM: 10.4

CMA / ARV

• ARV (median comp): $338,051
• List price: $299,999
• Delta: -11.26%
• 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
727 Bald Eagle Ln	0.39mi	3/2.0	1,300 (+2%)	5mo	$353,000	$272	73
11509 Sidewinder Ct	0.59mi	3/2.0	1,260 (-1%)	10mo	$340,000	$270	60
532 Shortbow Trl	0.25mi	4/2.0 (+1)	1,440 (+13%)	1mo	$345,000	$240	59
11500 Durango Dr	0.25mi	3/2.0	1,200 (-6%)	20mo	$349,900	$292	59
627 Gunsmoke Trl	0.08mi	3/2.0	1,092 (-14%)	18mo	$297,500	$272	55
578 Durango Ln	0.41mi	3/2.0	1,440 (+13%)	5mo	$335,000	$233	53
11529 Durango Dr	0.33mi	3/2.0	1,120 (-12%)	17mo	$325,000	$290	47
11523 Hoofbeat Trl	0.70mi	3/2.0	1,224 (-4%)	15mo	$315,000	$257	46
1830 Striped Bass Ct	0.54mi	4/2.0 (+1)	1,352 (+6%)	15mo	$407,500	$301	46
11412 Redlands Rd	0.33mi	3/2.0	1,120 (-12%)	20mo	$261,900	$234	46
11543 Wolf Howl Ln	0.72mi	3/2.0	1,092 (-14%)	6mo	$330,000	$302	35
431 Stallion Ln	0.56mi	3/1.0	1,125 (-12%)	19mo	$265,000	$236	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 · 3.0% rent growth · sell at horizon

5-year hold

• IRR: -18.6%
• Equity multiple: 0.35×
• Total profit: $-54,913
• Equity at exit: $44,731

10-year hold

• IRR: -11.1%
• Equity multiple: 0.33×
• Total profit: $-55,947
• Equity at exit: $25,938

Cash invested: $84,000 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

• Overall (STATE): 27 Tenant-Leaning
• State Maryland: 27 Tenant-Leaning · D+14
• County: — inherits STATE
• City: — inherits STATE

Failure-to-pay is dismissed if cured before judgment; Baltimore has just-cause; strict deposit rules.

Methodology + full state rankings →

ZIP-level market 20657

• Home prices YoY: -7.1%
• Active inventory: 177
• Price-to-rent: 10.4×

Monthly cashflow live

• Estimated rent: $2,412 high
• Mortgage (P&I): −$1,573
• Tax from tax record: −$258 /mo · $3,095/yr
• Insurance: −$125
• HOA: −$48
• Vacancy / Maint / Mgmt: −$506
• Net cashflow: $-99

Break-even live

Break-even rent $2,537

Max offer price $282,541

Occupancy floor 99%

Sensitivity live

Price	-10% $71	-5% $-14	+0% $-99	+5% $-184	+10% $-269
Rent	-10% $-289	-5% $-194	+0% $-99	+5% $-4	+10% $92
Rate	-1.0pp $52	-0.5pp $-23	base $-99	+0.5pp $-177	+1.0pp $-256

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: $75,000
• Closing costs: $9,000
• Reserves months: —
• Total cash needed: —

Rent comps 5 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
11290 Gunsmoke Ct Lusby, MD	3.0	2.0	1651	$2,400	$1.45	26d	1	0.05mi
11204 Sitting Bull Cir Lusby, MD	3.0	2.0	1592	$2,195	$1.38	7d	1	0.24mi
1982 Rye Ct Unit Md Lusby, MD	3.0	1.0	960	$1,950	$2.03	18d	1	0.61mi
11530 Tomahawk Trl W Lusby, MD	3.0	2.0	1440	$2,550	$1.77	7d	1	0.69mi
915 Crystal Rock Rd Lusby, MD	3.0	2.0	1056	$2,100	$1.99	45d	1	1.42mi

HOA detail

• Monthly dues: $48 · $576/yr

Listing history 50 events

1. 2026-05-11
   price $299,999 702-char remark

   Show marketing remark (702 chars)

   Welcome home to this unique and quaint 3-bedroom, 2-full-bath gem that blends charm with thoughtful modern upgrades. The beautifully updated kitchen shines with all-new black stainless-steel appliances, including a microwave with built-in air fryer, perfect for everyday living and entertaining. Behind the scenes, enjoy peace of mind with a fully encapsulated crawl space, new footers with a 25-year warranty, and new roof shingles. Step outside to a quaint, fully fenced yard and relax or host gatherings on the oversized back deck—your own private retreat. This well-maintained home is full of character, comfort, and value, ready for its next owner to fall in love. Make an appointment today!

2. 2026-04-06
   price $310,000 702-char remark

   Show marketing remark (702 chars)

   Welcome home to this unique and quaint 3-bedroom, 2-full-bath gem that blends charm with thoughtful modern upgrades. The beautifully updated kitchen shines with all-new black stainless-steel appliances, including a microwave with built-in air fryer, perfect for everyday living and entertaining. Behind the scenes, enjoy peace of mind with a fully encapsulated crawl space, new footers with a 25-year warranty, and new roof shingles. Step outside to a quaint, fully fenced yard and relax or host gatherings on the oversized back deck—your own private retreat. This well-maintained home is full of character, comfort, and value, ready for its next owner to fall in love. Make an appointment today!

3. 2026-02-14
   status Active 702-char remark

   Show marketing remark (702 chars)

   Welcome home to this unique and quaint 3-bedroom, 2-full-bath gem that blends charm with thoughtful modern upgrades. The beautifully updated kitchen shines with all-new black stainless-steel appliances, including a microwave with built-in air fryer, perfect for everyday living and entertaining. Behind the scenes, enjoy peace of mind with a fully encapsulated crawl space, new footers with a 25-year warranty, and new roof shingles. Step outside to a quaint, fully fenced yard and relax or host gatherings on the oversized back deck—your own private retreat. This well-maintained home is full of character, comfort, and value, ready for its next owner to fall in love. Make an appointment today!

4. 2026-01-26
   status Pending 702-char remark

   Show marketing remark (702 chars)

   Welcome home to this unique and quaint 3-bedroom, 2-full-bath gem that blends charm with thoughtful modern upgrades. The beautifully updated kitchen shines with all-new black stainless-steel appliances, including a microwave with built-in air fryer, perfect for everyday living and entertaining. Behind the scenes, enjoy peace of mind with a fully encapsulated crawl space, new footers with a 25-year warranty, and new roof shingles. Step outside to a quaint, fully fenced yard and relax or host gatherings on the oversized back deck—your own private retreat. This well-maintained home is full of character, comfort, and value, ready for its next owner to fall in love. Make an appointment today!

5. 2026-01-23
   listed $320,000 Active 702-char remark

   Show marketing remark (702 chars)

   Welcome home to this unique and quaint 3-bedroom, 2-full-bath gem that blends charm with thoughtful modern upgrades. The beautifully updated kitchen shines with all-new black stainless-steel appliances, including a microwave with built-in air fryer, perfect for everyday living and entertaining. Behind the scenes, enjoy peace of mind with a fully encapsulated crawl space, new footers with a 25-year warranty, and new roof shingles. Step outside to a quaint, fully fenced yard and relax or host gatherings on the oversized back deck—your own private retreat. This well-maintained home is full of character, comfort, and value, ready for its next owner to fall in love. Make an appointment today!

6. 2024-05-24
   soldstatus $260,000
7. 2024-05-07
   soldstatus $260,000 Closed 780-char remark

   Show marketing remark (780 chars)

   Back on the market buyer’s financing fell through. Home being sold As Is. This stunning 3-bedroom, 2.5-bathroom home nestled in the heart of Chesapeake Ranch Estates is a true gem. Step inside, and you'll be greeted by beautiful hardwood floors, the sophistication of granite countertops and stainless-steel appliances with bathrooms that offer a contemporary, sleek design. New flooring and HVAC installed in 2018. The charm of this community doesn't stop at the doorstep. Residents here enjoy access to, two private beaches, a welcoming club house, campgrounds, and a plethora of amenities. The possibilities are endless, whether you're seeking relaxation, recreation, or a sense of community. We recommend backing into the drive when coming to view the property, thanks.

8. 2024-03-29
   status Pending 780-char remark

   Show marketing remark (780 chars)

   Back on the market buyer’s financing fell through. Home being sold As Is. This stunning 3-bedroom, 2.5-bathroom home nestled in the heart of Chesapeake Ranch Estates is a true gem. Step inside, and you'll be greeted by beautiful hardwood floors, the sophistication of granite countertops and stainless-steel appliances with bathrooms that offer a contemporary, sleek design. New flooring and HVAC installed in 2018. The charm of this community doesn't stop at the doorstep. Residents here enjoy access to, two private beaches, a welcoming club house, campgrounds, and a plethora of amenities. The possibilities are endless, whether you're seeking relaxation, recreation, or a sense of community. We recommend backing into the drive when coming to view the property, thanks.

9. 2024-03-13
   status Active 780-char remark

   Show marketing remark (780 chars)

   Back on the market buyer’s financing fell through. Home being sold As Is. This stunning 3-bedroom, 2.5-bathroom home nestled in the heart of Chesapeake Ranch Estates is a true gem. Step inside, and you'll be greeted by beautiful hardwood floors, the sophistication of granite countertops and stainless-steel appliances with bathrooms that offer a contemporary, sleek design. New flooring and HVAC installed in 2018. The charm of this community doesn't stop at the doorstep. Residents here enjoy access to, two private beaches, a welcoming club house, campgrounds, and a plethora of amenities. The possibilities are endless, whether you're seeking relaxation, recreation, or a sense of community. We recommend backing into the drive when coming to view the property, thanks.

10. 2024-03-02
    status Pending 780-char remark

    Show marketing remark (780 chars)

    Back on the market buyer’s financing fell through. Home being sold As Is. This stunning 3-bedroom, 2.5-bathroom home nestled in the heart of Chesapeake Ranch Estates is a true gem. Step inside, and you'll be greeted by beautiful hardwood floors, the sophistication of granite countertops and stainless-steel appliances with bathrooms that offer a contemporary, sleek design. New flooring and HVAC installed in 2018. The charm of this community doesn't stop at the doorstep. Residents here enjoy access to, two private beaches, a welcoming club house, campgrounds, and a plethora of amenities. The possibilities are endless, whether you're seeking relaxation, recreation, or a sense of community. We recommend backing into the drive when coming to view the property, thanks.

11. 2024-02-10
    price $270,000 780-char remark

    Show marketing remark (780 chars)

    Back on the market buyer’s financing fell through. Home being sold As Is. This stunning 3-bedroom, 2.5-bathroom home nestled in the heart of Chesapeake Ranch Estates is a true gem. Step inside, and you'll be greeted by beautiful hardwood floors, the sophistication of granite countertops and stainless-steel appliances with bathrooms that offer a contemporary, sleek design. New flooring and HVAC installed in 2018. The charm of this community doesn't stop at the doorstep. Residents here enjoy access to, two private beaches, a welcoming club house, campgrounds, and a plethora of amenities. The possibilities are endless, whether you're seeking relaxation, recreation, or a sense of community. We recommend backing into the drive when coming to view the property, thanks.

12. 2024-02-10
    status Active 780-char remark

    Show marketing remark (780 chars)

    Back on the market buyer’s financing fell through. Home being sold As Is. This stunning 3-bedroom, 2.5-bathroom home nestled in the heart of Chesapeake Ranch Estates is a true gem. Step inside, and you'll be greeted by beautiful hardwood floors, the sophistication of granite countertops and stainless-steel appliances with bathrooms that offer a contemporary, sleek design. New flooring and HVAC installed in 2018. The charm of this community doesn't stop at the doorstep. Residents here enjoy access to, two private beaches, a welcoming club house, campgrounds, and a plethora of amenities. The possibilities are endless, whether you're seeking relaxation, recreation, or a sense of community. We recommend backing into the drive when coming to view the property, thanks.

13. 2024-01-10
    status Pending 780-char remark

    Show marketing remark (780 chars)

    Back on the market buyer’s financing fell through. Home being sold As Is. This stunning 3-bedroom, 2.5-bathroom home nestled in the heart of Chesapeake Ranch Estates is a true gem. Step inside, and you'll be greeted by beautiful hardwood floors, the sophistication of granite countertops and stainless-steel appliances with bathrooms that offer a contemporary, sleek design. New flooring and HVAC installed in 2018. The charm of this community doesn't stop at the doorstep. Residents here enjoy access to, two private beaches, a welcoming club house, campgrounds, and a plethora of amenities. The possibilities are endless, whether you're seeking relaxation, recreation, or a sense of community. We recommend backing into the drive when coming to view the property, thanks.

14. 2024-01-07
    historical Active Under Contract 780-char remark

    Show marketing remark (780 chars)

    Back on the market buyer’s financing fell through. Home being sold As Is. This stunning 3-bedroom, 2.5-bathroom home nestled in the heart of Chesapeake Ranch Estates is a true gem. Step inside, and you'll be greeted by beautiful hardwood floors, the sophistication of granite countertops and stainless-steel appliances with bathrooms that offer a contemporary, sleek design. New flooring and HVAC installed in 2018. The charm of this community doesn't stop at the doorstep. Residents here enjoy access to, two private beaches, a welcoming club house, campgrounds, and a plethora of amenities. The possibilities are endless, whether you're seeking relaxation, recreation, or a sense of community. We recommend backing into the drive when coming to view the property, thanks.

15. 2023-12-02
    price $265,000 780-char remark

    Show marketing remark (780 chars)

    Back on the market buyer’s financing fell through. Home being sold As Is. This stunning 3-bedroom, 2.5-bathroom home nestled in the heart of Chesapeake Ranch Estates is a true gem. Step inside, and you'll be greeted by beautiful hardwood floors, the sophistication of granite countertops and stainless-steel appliances with bathrooms that offer a contemporary, sleek design. New flooring and HVAC installed in 2018. The charm of this community doesn't stop at the doorstep. Residents here enjoy access to, two private beaches, a welcoming club house, campgrounds, and a plethora of amenities. The possibilities are endless, whether you're seeking relaxation, recreation, or a sense of community. We recommend backing into the drive when coming to view the property, thanks.

16. 2023-11-19
    price $281,600 780-char remark

    Show marketing remark (780 chars)

    Back on the market buyer’s financing fell through. Home being sold As Is. This stunning 3-bedroom, 2.5-bathroom home nestled in the heart of Chesapeake Ranch Estates is a true gem. Step inside, and you'll be greeted by beautiful hardwood floors, the sophistication of granite countertops and stainless-steel appliances with bathrooms that offer a contemporary, sleek design. New flooring and HVAC installed in 2018. The charm of this community doesn't stop at the doorstep. Residents here enjoy access to, two private beaches, a welcoming club house, campgrounds, and a plethora of amenities. The possibilities are endless, whether you're seeking relaxation, recreation, or a sense of community. We recommend backing into the drive when coming to view the property, thanks.

17. 2023-11-04
    listed $290,000 Active 780-char remark

    Show marketing remark (780 chars)

    Back on the market buyer’s financing fell through. Home being sold As Is. This stunning 3-bedroom, 2.5-bathroom home nestled in the heart of Chesapeake Ranch Estates is a true gem. Step inside, and you'll be greeted by beautiful hardwood floors, the sophistication of granite countertops and stainless-steel appliances with bathrooms that offer a contemporary, sleek design. New flooring and HVAC installed in 2018. The charm of this community doesn't stop at the doorstep. Residents here enjoy access to, two private beaches, a welcoming club house, campgrounds, and a plethora of amenities. The possibilities are endless, whether you're seeking relaxation, recreation, or a sense of community. We recommend backing into the drive when coming to view the property, thanks.

18. 2023-10-31
    historical $290,000 780-char remark

    Show marketing remark (780 chars)

    Back on the market buyer’s financing fell through. Home being sold As Is. This stunning 3-bedroom, 2.5-bathroom home nestled in the heart of Chesapeake Ranch Estates is a true gem. Step inside, and you'll be greeted by beautiful hardwood floors, the sophistication of granite countertops and stainless-steel appliances with bathrooms that offer a contemporary, sleek design. New flooring and HVAC installed in 2018. The charm of this community doesn't stop at the doorstep. Residents here enjoy access to, two private beaches, a welcoming club house, campgrounds, and a plethora of amenities. The possibilities are endless, whether you're seeking relaxation, recreation, or a sense of community. We recommend backing into the drive when coming to view the property, thanks.

19. 2023-03-11
    historical
20. 2023-01-20
    listed $290,000 Active
21. 2022-06-15
    historical
22. 2022-06-15
    listed $270,000
23. 2018-12-07
    soldstatus $185,500 Closed
24. 2018-12-04
    soldstatus $185,500
25. 2018-10-19
    status Pending
26. 2018-09-13
    status Active
27. 2018-09-06
    status Pending
28. 2018-08-15
    listed $194,900 Active
29. 2018-08-01
    historical
30. 2018-07-31
    historical Expired
31. 2018-07-02
    listed $217,500 Active
32. 2018-07-02
    listed Active
33. 2018-06-30
    historical
34. 2018-06-30
    historical Expired
35. 2018-06-26
    price $217,500
36. 2018-06-26
    price
37. 2018-06-16
    status Active
38. 2018-06-16
    status Active
39. 2018-06-14
    historical
40. 2018-06-14
    historical Expired
41. 2018-06-02
    price $224,900
42. 2018-06-02
    price
43. 2018-03-30
    listed $239,900 Active
44. 2018-03-30
    listed Active
45. 2017-01-14
    historical
46. 2017-01-09
    soldstatus $44,500
47. 2017-01-09
    soldstatus $44,500 Sold
48. 2016-08-23
    status Contract
49. 2016-04-28
    listed $49,900 Active
50. 2016-04-28
    listed $49,900

ⓘ 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: $3,095 · $258/mo
• Projected year-2 tax: $3,182 · $265/mo
• Expected delta: +$88/yr (+$7/mo · 2.8%)

ⓘ 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 4/10 Moderate
• 🌡 Heat 9/10 Extreme 7 d/yr ≥102°F today · 17 d/yr by 30 yrs out
• 💨 Wind 7/10 Severe 79% chance of damaging wind over 30 yrs
• 🫁 Air quality 3/10 Moderate 2 unhealthy d/yr today · 3 by 30 yrs out

Taxation est. · year 1

• Rental income: $28,941
• − Mortgage interest: −$16,805
• − Property taxes: −$3,095
• − Insurance: −$1,500
• − Repairs & maintenance: −$2,315
• − Management: −$2,315
• − HOA: −$576
• − Depreciation: −$8,727
• Taxable loss: −$6,392
• Est. tax savings @ 24.0%: +$1,534
• After-tax cash flow: $348/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: Calvert County Public Schools
• NCES district ID: 2400150
• Math proficiency: 23% ▼ -29.00%
• Reading proficiency: 44% ▼ -15.00%
• Median HH income: $94,392
• Composite: 33.27/100
• National rank: #5511
• State rank: #5 of 24 in MD

Livability — Chesapeake Ranch Estates

• Score: 66/100
• State rank: #240
• US rank: #11959

Category grades

Amenities F Commute F Cost of living C- Crime D+ Employment A+ Housing A+ Health & safety F User ratings A+

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Chesapeake Ranch Estates, MD
• County: Calvert County · 33,451 people
• Metro: Washington-Arlington-Alexandria, DC-VA-MD-WV
• Population (ZIP): 20,699
• Household income: $115,748
• Rent vs Own: 12.8% rent · 87.2% own
• Severe rent burden: 136.0

Population outlook (Calvert County) Hauer SSP2

• Today (2025): 94,825 people
• By 2030: 96,197 · +1.4%
• By 2040: 96,954 · +2.2%
• By 2050: 94,628 · -0.2%
• By 2075: 91,576 · -3.4%
• By 2100: 83,431 · -12.0%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (71%)
• Race & ethnicity: White 71% Black 15% Two or more races 7% Hispanic / Latino 6% Asian 2%
• Hispanic origin (detail): Mexican 1% Puerto Rican 3%
• Common ancestry: Lithuanian 3% Slovak 3% Romanian 1%
• Foreign-born: 4% · Canada
• Languages at home: 93% English-only · Spanish 3% Other Indo-European 1% Tagalog/Filipino 1%

Political lean MEDSL · Calvert

• 2024 margin: R (+11.0) · D 43.5% · R 54.5% · Other 2.0%
• 2008→2024 swing: -4.6pp toward R · 2008: -6.3pp · 2024: -11.0pp
• All cycles: 2024: R+11.0 2020: R+5.6 2016: R+18.4 2012: R+8.2 2008: R+6.3

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -20.88%
• Current HPI: 274.4909
• Rent YoY: —
• Metro: Washington-Arlington-Alexandria, DC-VA-MD-WV
• 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

+431.0% since first listed

86 events — show timeline

• 2026-05-11 Price Changed $299,999 BRIGHT MLS
• 2026-04-06 Price Changed $310,000 BRIGHT MLS
• 2026-02-14 Relisted — BRIGHT MLS
• 2026-01-26 Pending — BRIGHT MLS
• 2026-01-23 Listed $320,000 BRIGHT MLS
• 2024-05-24 Sold (Public Records) $260,000 Public Records
• 2024-05-07 Sold (MLS) $260,000 BRIGHT MLS
• 2024-03-29 Pending — BRIGHT MLS
• 2024-03-13 Relisted — BRIGHT MLS
• 2024-03-02 Pending — BRIGHT MLS
• 2024-02-10 Price Changed $270,000 BRIGHT MLS
• 2024-02-10 Relisted — BRIGHT MLS
• 2024-01-10 Pending — BRIGHT MLS
• 2024-01-07 Contingent — BRIGHT MLS
• 2023-12-02 Price Changed $265,000 BRIGHT MLS
• 2023-11-19 Price Changed $281,600 BRIGHT MLS
• 2023-11-04 Listed $290,000 BRIGHT MLS
• 2023-10-31 Coming Soon $290,000 BRIGHT MLS
• 2023-03-11 Listing Removed — BRIGHT MLS
• 2023-01-20 Listed $290,000 BRIGHT MLS
• 2022-06-15 Listed $270,000 BRIGHT MLS
• 2022-06-15 Listing Removed — BRIGHT MLS
• 2018-12-07 Sold (MLS) $185,500 BRIGHT MLS
• 2018-12-04 Sold (Public Records) $185,500 Public Records
• 2018-10-19 Pending — BRIGHT MLS
• 2018-09-13 Relisted — BRIGHT MLS
• 2018-09-06 Pending — BRIGHT MLS
• 2018-08-15 Listed $194,900 BRIGHT MLS
• 2018-08-01 Listing Removed — BRIGHT MLS
• 2018-07-31 Delisted — MRIS
• 2018-07-02 Listed — MRIS
• 2018-07-02 Listed $217,500 BRIGHT MLS
• 2018-06-30 Listing Removed — BRIGHT MLS
• 2018-06-30 Delisted — MRIS
• 2018-06-26 Price Changed $217,500 BRIGHT MLS
• 2018-06-26 Price Changed — MRIS
• 2018-06-16 Relisted — BRIGHT MLS
• 2018-06-16 Relisted — MRIS
• 2018-06-14 Listing Removed — BRIGHT MLS
• 2018-06-14 Delisted — MRIS
• 2018-06-02 Price Changed $224,900 BRIGHT MLS
• 2018-06-02 Price Changed — MRIS
• 2018-03-30 Listed — MRIS
• 2018-03-30 Listed $239,900 BRIGHT MLS
• 2017-01-14 Listing Removed — BRIGHT MLS
• 2017-01-09 Sold (MLS) $44,500 MRIS
• 2017-01-09 Sold (MLS) $44,500 BRIGHT MLS
• 2016-08-23 Pending — MRIS
• 2016-04-28 Listed $49,900 MRIS
• 2016-04-28 Listed $49,900 BRIGHT MLS
• 2016-04-01 Delisted — MRIS
• 2016-04-01 Listing Removed — BRIGHT MLS
• 2015-10-26 Listed — MRIS
• 2015-10-25 Listed $49,990 BRIGHT MLS
• 2015-09-29 Listing Removed — BRIGHT MLS
• 2015-09-29 Delisted — MRIS
• 2015-05-03 Price Changed — MRIS
• 2015-04-29 Listed — MRIS
• 2015-04-29 Listed $70,000 BRIGHT MLS
• 2014-12-12 Listing Removed — BRIGHT MLS
• 2014-12-12 Delisted — MRIS
• 2014-03-14 Listed — MRIS
• 2014-03-14 Listed $99,900 BRIGHT MLS
• 2013-01-07 Delisted — MRIS
• 2013-01-07 Listing Removed — BRIGHT MLS
• 2012-06-12 Relisted — MRIS
• 2012-06-08 Delisted — MRIS
• 2012-03-20 Price Changed — MRIS
• 2011-04-13 Price Changed — MRIS
• 2011-02-03 Price Changed — MRIS
• 2010-04-29 Price Changed — MRIS
• 2009-10-12 Listed — MRIS
• 2009-10-12 Listed $75,000 BRIGHT MLS
• 2009-08-10 Delisted — MRIS
• 2009-08-10 Listing Removed — BRIGHT MLS
• 2009-05-20 Listed — MRIS
• 2009-05-20 Listed $139,900 BRIGHT MLS
• 2008-11-11 Delisted — MRIS
• 2008-09-30 Price Changed — MRIS
• 2008-08-09 Price Changed — MRIS
• 2008-01-25 Listed — MRIS
• 2003-02-21 Sold (Public Records) $77,000 Public Records
• 2002-02-19 Delisted — MRIS
• 2001-02-04 Listed — MRIS
• 1991-10-23 Sold (Public Records) $76,000 Public Records
• 1988-04-07 Sold (Public Records) $56,500 Public Records

Property tax history

+3.0%/yr

Latest (2025): $3,095 · +9.5% YoY. Source: county tax records.