2246 Graythorn · Middle River, MD
Flood risk 1/10 · Minimal
- FEMA flood zone
- X (unshaded)
- Chance of flooding over 30 yrs
- 0.0%
- Est. flood insurance / yr
- $473 – $860
Fire risk 1/10 · Minimal
- Est. fire insurance / yr
- $755 – $1,403
Heat risk 8/10 · Major
- Hot days now (above 104°F)
- 7 days/yr
- Hot days in 30 yrs
- 15 days/yr
Wind risk 6/10 · Moderate
- Chance of severe wind over 30 yrs
- 47.0%
Air-quality risk 5/10 · Moderate
- Unhealthy air days now
- 6 days/yr
- Unhealthy air days in 30 yrs
- 8 days/yr
Risk factors via First Street. Map © Google.
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 +8.1/15.0
- DSCR +4.5/10.0
- Livability +3.9/5.0
- 1% rule +3.8/10.0
- Rent growth +2.7/5.0
- Condition / age +2.5/5.0
- Schools +2.3/10.0
- Appreciation +0.0/10.0
$239,900
🖨 Deal sheet (PDF) 📄 Offer letter ✓ Due diligence
Listing remarks MLS
Well-maintained end-unit townhouse with driveway parking. This property combines practical living with key updates to offer a comfortable and convenient home. Inside, you’ll find original hardwood floors throughout the first and second levels. The kitchen features granite countertops installed in 2020, ceramic tile floor & stainless steel appliances. With three bedrooms and two full bathrooms, this home accommodates both individual and family needs. The basement, fully remodeled in 2022 with all necessary permits, includes a full bath & washer and dryer providing additional value. Key upgrades include a new water heater in 2023, ensuring the home's functionality for the future. The property is also certified lead-free. The exterior offers a fenced yard for private outdoor activities and a driveway in the rear yard for convenient parking.
Key facts
- Fenced yard
- Granite countertops
- Driveway parking
Tags
Neighborhood map
What this means for you Summary
Snapshot
- This is a 3-bed/2.0-bath townhouse listed at $240k.
Deal economics
- At list price, monthly cash flow is $63 ($758/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 $211k (12.1% below list).
- Recommended offer: $211k (12.1% below list) — sets the bar for 1% rule.
- Cap rate 6.6% vs local median 4.2% in Middle River — 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 78/100 on livability (#76 in MD, #2,777 nationally) — a middle-class / working-renter tenant base. Strengths: commute A+, housing A+, health & safety A+; Watch: crime F.
- Baltimore County Public Schools (suburban): math 15% / reading 34% proficiency, ranked #11 of 24 in MD (top 46%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover.
- Zoned schools: Hawthorne Elementary (math 2% / reading 8%, grade F, #766 of 860 statewide, top 93%, 491 students, 87% FRL); Stemmers Run Middle (math 5% / reading 28%, grade F, #174 of 225 statewide, top 81%, 838 students, 68% FRL); Kenwood High (math 10% / reading 43%, grade F, #161 of 222 statewide, top 72%, 1,908 students, 63% FRL) — zoned schools average 73% FRL vs 39% district-wide (34 pts higher); higher-poverty schools than district average — tighter screening recommended.
- Market conditions: Rents flat; 252 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); solid renter incomes; 1,511 units permitted in Baltimore County in 2024 (643 in 5+ unit buildings).
- This rent runs 31% of the median local income ($82k/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 $2k of loan paydown is wiped out by about $7k of value loss. Plan a longer hold.
- Baltimore County population projected at +12% by 2050 — modest demand growth; plan on rents tracking national, not racing it.
Negotiation context
- It's been on market 18 days — a 2% lower offer ($236k) is reasonable based on typical stale-listing flexibility.
- 4 sale attempts since 25y 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.
Risks & watch-outs
- Watch-outs: built in 1957 — expect roof / HVAC / electrical / plumbing capex.
- Climate carrying-cost: major wind risk, 47% chance of damaging wind over 30y; extreme-heat days projected 7→15/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.
Questions for the listing agent
- Built in 1957 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
- Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
- Schools are F-rated, which usually means shorter tenancies and higher turnover. Who's the typical renter profile here, and what's been the actual vacancy rate?
- Crime grade is F in this area — have there been break-ins, vandalism, or insurance claims at this property in the last 3 years? What carrier currently insures it and at what premium?
- 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?
- What's the average days-on-market for RENTAL listings here right now (not sales)? A rising rental-DOM trend means longer vacancies and softer asking-rent achievability than the comps imply.
- What's the recent tenant-quality profile in this submarket — average credit score on applications, eviction rate, late-payment / NSF rate, and stable-employment percentage? A property-management company in the area should have these aggregated.
- How much new for-sale + rental construction is in the pipeline within 1–3 miles? Heavy new supply typically softens prices + rents 12–24 months out; constrained supply supports both.
Investment metrics
- 1% rule
- 0.88% ✗
- Cap rate
- 6.61%
- Cash-on-cash
- 1.13%
- DSCR
- 1.05
- GRM
- 9.5
CMA / ARV
- ARV (on-the-fly)
- $243,360
- Comps found
- 12
Show comp detail 12 sales within ~0.75 mi
| Address | Dist | Beds/Ba | Sqft | Sold | Price | $/sf | Match |
|---|---|---|---|---|---|---|---|
| 2218 Southorn Rd | 0.08mi | 3/1.5 | 1,408 (-2%) | 3mo | $190,000 | $135 | 88 |
| 2162 Vailthorn | 0.13mi | 3/2.0 | 1,536 (+7%) | 2mo | $234,000 | $152 | 81 |
| 2233 Firethorn Rd | 0.24mi | 3/1.5 | 1,365 (-5%) | 1mo | $200,000 | $147 | 77 |
| 2247 Graythorn Rd | 0.03mi | 3/1.0 | 1,272 (-12%) | 2mo | $233,000 | $183 | 74 |
| 725 Kingston Rd | 0.34mi | 4/1.5 (+1) | 1,405 (-2%) | 3mo | $270,000 | $192 | 71 |
| 710 Kingston Rd | 0.32mi | 3/2.0 | 1,319 (-8%) | 1mo | $239,900 | $182 | 70 |
| 237 Riverthorn Rd | 0.29mi | 4/2.0 (+1) | 1,536 (+7%) | 1mo | $212,000 | $138 | 69 |
| 2169 Redthorn Rd | 0.17mi | 3/1.5 | 1,272 (-12%) | 5mo | $161,000 | $127 | 67 |
| 404 Grovethorn | 0.29mi | 3/1.5 | 1,274 (-12%) | 4mo | $220,000 | $173 | 62 |
| 133 Riverthorn Rd | 0.39mi | 4/1.5 (+1) | 1,324 (-8%) | 8mo | $147,500 | $111 | 54 |
| 548 Hopkins Landing Dr #548 | 0.63mi | 2/2.0 (-1) | 1,548 (+8%) | 2mo | $290,000 | $187 | 52 |
| 608 Hopkins Landing Dr #608 | 0.63mi | 2/2.0 (-1) | 1,654 (+15%) | 8mo | $280,000 | $169 | 35 |
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 · 0.83% rent growth · sell at horizon
- IRR
- -16.9%
- Equity multiple
- 0.41×
- Total profit
- $-39,361
- Equity at exit
- $35,770
- IRR
- -13.2%
- Equity multiple
- 0.30×
- Total profit
- $-46,811
- Equity at exit
- $20,742
Cash invested: $67,172 (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
ZIP-level market 21220
- Rents YoY
- 0.8%
- Active inventory
- 252
- Price-to-rent
- 9.5×
Monthly cashflow live
- Estimated rent
- $2,109 high interval (Pro) →
- Mortgage (P&I)
- −$1,258
- Tax from tax record
- −$245 /mo · $2,938/yr
- Insurance
- −$100
- HOA
- −$0
- Vacancy / Maint / Mgmt
- −$443
- Net cashflow
- $63
Break-even live
Sensitivity live
| Price | -10% $199 | -5% $131 | +0% $63 | +5% $-5 | +10% $-73 |
|---|---|---|---|---|---|
| Rent | -10% $-103 | -5% $-20 | +0% $63 | +5% $146 | +10% $230 |
| Rate | -1.0pp $184 | -0.5pp $124 | base $63 | +0.5pp $1 | +1.0pp $-62 |
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
- $59,975
- Closing costs
- $7,197
- Reserves months
- —
- Total cash needed
- —
Loan-product check · same deal, 3 products live
Conventional
25% down · 7.5% · 30yr
- Down + closing
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
Personal DTI + credit; lowest rate.
DSCR
20% down · 8.5% · 30yr
- Down + closing
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
No personal income docs; deal must DSCR.
Hard money
10% down · 12.0% · 12mo
- Down + closing
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
Short-term bridge; refi at stabilization.
Rent comps 40 comps
| Address | Beds | Baths | Sqft | Rent | $/sqft | DOM | Units | Dist |
|---|---|---|---|---|---|---|---|---|
| 2242 Graythorn Rd Middle River, MD | 3.0 | 1.5 | 1024 | $2,195 | $2.14 | 45d | 1 | 0.03mi |
| 2167 Graythorn Rd Middle River, MD | 3.0 | 1.5 | 1324 | $1,900 | $1.44 | 25d | 1 | 0.13mi |
| 2203 Redthorn Rd Middle River, MD | 3.0 | 2.0 | 1144 | $2,200 | $1.92 | 12d | 1 | 0.16mi |
| 2202 Firethorn Rd Middle River, MD | 3.0 | 2.5 | 1324 | $2,300 | $1.74 | 45d | 1 | 0.23mi |
| 2128 Cockspur Rd Middle River, MD | 3.0 | 1.5 | 1272 | $2,100 | $1.65 | 25d | 1 | 0.24mi |
| 2207 Firethorn Rd Middle River, MD | 3.0 | 1.5 | 1600 | $2,400 | $1.50 | 18d | 1 | 0.25mi |
| 433 Grovethorn Rd Middle River, MD | 3.0 | 2.0 | 1024 | $2,000 | $1.95 | 23d | 1 | 0.25mi |
| 120 Kingston Rd Middle River, MD | 3.0 | 2.0 | 1024 | $1,950 | $1.90 | 25d | 1 | 0.40mi |
| 736 West Kingsway Middle River, MD | 3.0 | 1.0 | 1100 | $1,742 | $1.58 | 21d | 7 | 0.42mi |
| 1 Alder Dr Middle River, MD | 1.0–3.0 | 1.0 | 1000 | $2,249 | $2.25 | 0d | 9 | 0.46mi |
| 2125 Hawthorne Rd Middle River, MD | 3.0 | 2.0 | 1299 | $2,100 | $1.62 | 45d | 1 | 0.47mi |
| 60 S Hawthorne Rd Middle River, MD | 3.0 | 1.0 | 1234 | $2,250 | $1.82 | 45d | 1 | 0.51mi |
| 47 S Hawthorne Rd Middle River, MD | 3.0 | 1.0 | 1024 | $1,900 | $1.86 | 25d | 1 | 0.53mi |
| 439 Hopkins Landing Dr Essex, MD | 2.0 | 2.0 | 1485 | $1,795 | $1.21 | 12d | 1 | 0.69mi |
| 1710 Huber Rd Essex, MD | 3.0 | 2.5 | 1848 | $2,900 | $1.57 | 45d | 1 | 0.75mi |
| 1314 First Rd Middle River, MD | 2.0 | 1.0 | 1008 | $1,700 | $1.69 | 0d | 1 | 0.76mi |
| 28 Ebbing Ct Essex, MD | 3.0 | 2.5 | 1464 | $2,095 | $1.43 | 0d | 1 | 0.86mi |
| 19 Mooring Ct Essex, MD | 3.0 | 1.5 | 1439 | $1,900 | $1.32 | 0d | 1 | 0.86mi |
| 146 Marine Oaks Dr Essex, MD | 3.0 | 1.5 | 1516 | $2,700 | $1.78 | 25d | 1 | 0.91mi |
| 303 Endsleigh Ave Middle River, MD | 3.0 | 2.0 | 1144 | $1,950 | $1.70 | 23d | 1 | 1.08mi |
| 153 Bennett Rd Unit Labs Essex, MD | 2.0 | 2.0 | 1196 | $1,800 | $1.51 | 6d | 1 | 1.09mi |
| 233 Orville Rd Essex, MD | 3.0 | 2.0 | 1144 | $1,850 | $1.62 | 45d | 1 | 1.11mi |
| 1542 Becklow Ave Middle River, MD | 4.0 | 2.0 | 1224 | $1,800 | $1.47 | 0d | 1 | 1.16mi |
| 1516 Becklow Ave Middle River, MD | 3.0 | 1.0 | 1144 | $2,100 | $1.84 | 23d | 1 | 1.18mi |
| 54 Stemmers Run Rd Essex, MD | 3.0 | 2.5 | 1260 | $1,950 | $1.55 | 45d | 1 | 1.20mi |
| 1513 Aldeney Ave Middle River, MD | 4.0 | 2.0 | 1324 | $2,295 | $1.73 | 25d | 1 | 1.21mi |
| 42 Holcumb Ct Middle River, MD | 3.0 | 1.5 | 1452 | $2,200 | $1.52 | 45d | 1 | 1.31mi |
| 22 Nakota Ct Middle River, MD | 3.0 | 1.5 | 1194 | $2,000 | $1.68 | 45d | 1 | 1.34mi |
| 832 N Marlyn Ave Essex, MD | 3.0 | 2.0 | 1416 | $2,300 | $1.62 | 45d | 1 | 1.36mi |
| 1409 Nicolay Way Essex, MD | 3.0 | 2.0 | 1008 | $1,950 | $1.93 | 6d | 1 | 1.38mi |
| 1402 Nicolay Way Unit 1 Essex, MD | 3.0 | 1.5 | 1432 | $1,925 | $1.34 | 6d | 1 | 1.39mi |
| 1402 Nicolay Way Essex, MD | 3.0 | 2.0 | 1432 | $1,925 | $1.34 | 5d | 1 | 1.39mi |
| 10 Blackfoot Ct Middle River, MD | 4.0 | 2.5 | 1596 | $2,349 | $1.47 | 45d | 1 | 1.40mi |
| 10 Blackfoot Ct Middle River, MD | 3.0 | 2.5 | 1740 | $2,299 | $1.32 | 25d | 1 | 1.40mi |
| 2 Chelmsford Ct Middle River, MD | 3.0 | 1.5 | 1122 | $2,100 | $1.87 | 4d | 1 | 1.42mi |
| 326 Stemmers Run Rd Essex, MD | 4.0 | 2.0 | 1144 | $2,300 | $2.01 | 45d | 1 | 1.43mi |
| 70 Chelmsford Ct Middle River, MD | 3.0 | 1.5 | 1620 | $1,850 | $1.14 | 25d | 1 | 1.46mi |
| 72 Chelmsford Ct Middle River, MD | 3.0 | 2.0 | 1700 | $1,899 | $1.12 | 25d | 1 | 1.46mi |
| 421 Torner Rd Essex, MD | 3.0 | 2.0 | 1024 | $2,050 | $2.00 | 23d | 1 | 1.49mi |
| 706 Seawall Rd Essex, MD | 3.0 | 1.0 | 1114 | $1,900 | $1.71 | 6d | 1 | 1.50mi |
Listing history 18 events
-
2026-04-06status Pending
-
2026-03-19$239,900 Active
-
2024-05-29soldstatus $230,000
-
2024-05-16soldstatus $230,000 Closed 867-char remark
Show marketing remark (867 chars)
Well-maintained end-unit townhouse with driveway parking. This property combines practical living with key updates to offer a comfortable and convenient home. Inside, you’ll find original hardwood floors throughout the first and second levels. The kitchen features granite countertops installed in 2020, ceramic tile floor & stainless steel appliances. With three bedrooms and two full bathrooms, this home accommodates both individual and family needs. The basement, fully remodeled in 2022 with all necessary permits, includes a full bath & washer and dryer providing additional value. Key upgrades include a new water heater in 2023, ensuring the home's functionality for the future. The property is also certified lead-free. The exterior offers a fenced yard for private outdoor activities and a driveway in the rear yard for convenient parking.
-
2024-04-15status Pending 867-char remark
Show marketing remark (867 chars)
Well-maintained end-unit townhouse with driveway parking. This property combines practical living with key updates to offer a comfortable and convenient home. Inside, you’ll find original hardwood floors throughout the first and second levels. The kitchen features granite countertops installed in 2020, ceramic tile floor & stainless steel appliances. With three bedrooms and two full bathrooms, this home accommodates both individual and family needs. The basement, fully remodeled in 2022 with all necessary permits, includes a full bath & washer and dryer providing additional value. Key upgrades include a new water heater in 2023, ensuring the home's functionality for the future. The property is also certified lead-free. The exterior offers a fenced yard for private outdoor activities and a driveway in the rear yard for convenient parking.
-
2024-04-08price $234,000 867-char remark
Show marketing remark (867 chars)
Well-maintained end-unit townhouse with driveway parking. This property combines practical living with key updates to offer a comfortable and convenient home. Inside, you’ll find original hardwood floors throughout the first and second levels. The kitchen features granite countertops installed in 2020, ceramic tile floor & stainless steel appliances. With three bedrooms and two full bathrooms, this home accommodates both individual and family needs. The basement, fully remodeled in 2022 with all necessary permits, includes a full bath & washer and dryer providing additional value. Key upgrades include a new water heater in 2023, ensuring the home's functionality for the future. The property is also certified lead-free. The exterior offers a fenced yard for private outdoor activities and a driveway in the rear yard for convenient parking.
-
2024-04-02$239,000 Active 867-char remark
Show marketing remark (867 chars)
Well-maintained end-unit townhouse with driveway parking. This property combines practical living with key updates to offer a comfortable and convenient home. Inside, you’ll find original hardwood floors throughout the first and second levels. The kitchen features granite countertops installed in 2020, ceramic tile floor & stainless steel appliances. With three bedrooms and two full bathrooms, this home accommodates both individual and family needs. The basement, fully remodeled in 2022 with all necessary permits, includes a full bath & washer and dryer providing additional value. Key upgrades include a new water heater in 2023, ensuring the home's functionality for the future. The property is also certified lead-free. The exterior offers a fenced yard for private outdoor activities and a driveway in the rear yard for convenient parking.
-
2020-08-03soldstatus $150,500
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2020-07-09soldstatus $150,000 Closed 1193-char remark
Show marketing remark (1193 chars)
End of row townhome located on a generous lot in the neighborhood of Hawthorne! Walk up to find a spacious front porch and enter through the leaded glass door into an open concept main floor with lovely hardwood flooring throughout. The main living area features an abundance of light flowing in from every room. The large living room is open to the dining room with site lines of the kitchen. The kitchen has wood cabinets, a corner sink by a large window and a breakfast bar overlooking the dining room. The second level features three large bedrooms, all with hardwood flooring, and a full bath. The lower level is partially finished with a large room perfect for a den/office or playroom, a full bath with stand alone shower, storage, laundry and access to the spacious yard. Off the kitchen you will find a large wood deck perfect for a BBQ and steps leading to a large fenced in yard and a parking pad for multiple cars. Enjoy the nearby parks and walking trails steps away from the home. This home is just waiting for you to add your personal touches and is conveniently located near shopping, restaurants and commuter routes. Visit a virtual tour here: https://tinyurl.com/yah5u7tu
-
2020-06-23status Pending 1193-char remark
Show marketing remark (1193 chars)
End of row townhome located on a generous lot in the neighborhood of Hawthorne! Walk up to find a spacious front porch and enter through the leaded glass door into an open concept main floor with lovely hardwood flooring throughout. The main living area features an abundance of light flowing in from every room. The large living room is open to the dining room with site lines of the kitchen. The kitchen has wood cabinets, a corner sink by a large window and a breakfast bar overlooking the dining room. The second level features three large bedrooms, all with hardwood flooring, and a full bath. The lower level is partially finished with a large room perfect for a den/office or playroom, a full bath with stand alone shower, storage, laundry and access to the spacious yard. Off the kitchen you will find a large wood deck perfect for a BBQ and steps leading to a large fenced in yard and a parking pad for multiple cars. Enjoy the nearby parks and walking trails steps away from the home. This home is just waiting for you to add your personal touches and is conveniently located near shopping, restaurants and commuter routes. Visit a virtual tour here: https://tinyurl.com/yah5u7tu
-
2020-06-22historical 1193-char remark
Show marketing remark (1193 chars)
End of row townhome located on a generous lot in the neighborhood of Hawthorne! Walk up to find a spacious front porch and enter through the leaded glass door into an open concept main floor with lovely hardwood flooring throughout. The main living area features an abundance of light flowing in from every room. The large living room is open to the dining room with site lines of the kitchen. The kitchen has wood cabinets, a corner sink by a large window and a breakfast bar overlooking the dining room. The second level features three large bedrooms, all with hardwood flooring, and a full bath. The lower level is partially finished with a large room perfect for a den/office or playroom, a full bath with stand alone shower, storage, laundry and access to the spacious yard. Off the kitchen you will find a large wood deck perfect for a BBQ and steps leading to a large fenced in yard and a parking pad for multiple cars. Enjoy the nearby parks and walking trails steps away from the home. This home is just waiting for you to add your personal touches and is conveniently located near shopping, restaurants and commuter routes. Visit a virtual tour here: https://tinyurl.com/yah5u7tu
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2020-06-18$149,900 Active 1193-char remark
Show marketing remark (1193 chars)
End of row townhome located on a generous lot in the neighborhood of Hawthorne! Walk up to find a spacious front porch and enter through the leaded glass door into an open concept main floor with lovely hardwood flooring throughout. The main living area features an abundance of light flowing in from every room. The large living room is open to the dining room with site lines of the kitchen. The kitchen has wood cabinets, a corner sink by a large window and a breakfast bar overlooking the dining room. The second level features three large bedrooms, all with hardwood flooring, and a full bath. The lower level is partially finished with a large room perfect for a den/office or playroom, a full bath with stand alone shower, storage, laundry and access to the spacious yard. Off the kitchen you will find a large wood deck perfect for a BBQ and steps leading to a large fenced in yard and a parking pad for multiple cars. Enjoy the nearby parks and walking trails steps away from the home. This home is just waiting for you to add your personal touches and is conveniently located near shopping, restaurants and commuter routes. Visit a virtual tour here: https://tinyurl.com/yah5u7tu
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2020-02-05soldstatus $361,682
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2002-02-25soldstatus $66,000
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2002-01-04historical
-
2001-11-14$69,900
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1994-06-07soldstatus $25,343
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1986-10-14soldstatus $40,000
ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot
backfill from property_details.listing_events for pre-trigger history.
Tax reassessment forecast MD · Partial reset (capped growth)
- Current annual tax
- $2,938 · $245/mo
- Projected year-2 tax
- $2,938 · $245/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 ≥104°F today · 15 d/yr by 30 yrs out
- Wind 6/10 Major 47% chance of damaging wind over 30 yrs
- Air quality 5/10 Major 6 unhealthy d/yr today · 8 by 30 yrs out
Nearby sold comps map
Loading sold comps map…
Walkable amenities ~0.75 mi
Loading nearby amenities…
Taxation est. · year 1
- Rental income
- $25,306
- − Mortgage interest
- −$13,438
- − Property taxes
- −$2,938
- − Insurance
- −$1,200
- − Repairs & maintenance
- −$2,024
- − Management
- −$2,024
- − Depreciation
- −$6,979
- Taxable loss
- −$3,297
- Est. tax savings @ 24.0%
- +$791
- After-tax cash flow
- $1,549/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 County Public Schools
- NCES district ID
- 2400120
- Math proficiency
- 15% ▼ -16.00%
- Reading proficiency
- 34% ▼ -5.00%
- Median HH income
- $66,746
- Composite
- 23.17/100
- National rank
- #7948
- State rank
- #11 of 24 in MD
Livability — Middle River
- Score
- 78/100
- State rank
- #76
- US rank
- #2777
Category grades
Schools grade is shown separately in the Schools card above.
Census & demographics
- Census place
- Middle River, MD
- County
- Baltimore County · 769,527 people
- City population
- 42,824
- Metro
- Baltimore-Columbia-Towson, MD
- Population (ZIP)
- 42,824
- Household income
- $81,817
- Rent vs Own
- Severe rent burden
- 1921.0
Population outlook (Baltimore County) Hauer SSP2
- Today (2025)
- 885,518 people
- By 2030
- 909,272 · +2.7%
- By 2040
- 951,547 · +7.5%
- By 2050
- 990,955 · +11.9%
- By 2075
- 1,086,411 · +22.7%
- By 2100
- 1,135,078 · +28.2%
Race, ethnicity, and origin ACS 2023
- Neighborhood character
- Diverse neighborhood (Simpson 0.60)
- Race & ethnicity
- White 57% Black 27% Two or more races 6% Hispanic / Latino 6% Asian 5%
- Hispanic origin (detail)
- Puerto Rican 1%
- Common ancestry
- Romanian 4% Ukrainian 2% Lithuanian 1%
- Foreign-born
- 12% · Canada, Vietnam
- Languages at home
- 86% English-only · Spanish 3% Arabic 3% Tagalog/Filipino 2%
Political lean MEDSL · Baltimore
- 2024 margin
- Strong D (+24.5) · D 61.0% · R 36.5% · Other 2.5%
- 2008→2024 swing
- +9.9pp toward D · 2008: 14.6pp · 2024: 24.5pp
- All cycles
- 2024: D+24.5 2020: D+27.0 2016: D+17.4 2012: D+16.4 2008: D+14.6
Not yet ingested
- Civics
- —
Market trends
- HPI YoY
- ▼ -199.31%
- Current HPI
- 254.5597
- Rent YoY
- ▲ 0.83%
- Metro
- Baltimore-Columbia-Towson, MD
- State GDP YoY
- ▲ 2.97%
- F500 in state
- 12
Industry mix (Fortune 500 HQ in MD)
| Industry | F500 HQs | Revenue |
|---|---|---|
| Aerospace / Defense | 1 | $71B |
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| Utilities | 1 | $25B |
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| Hotels | 1 | $24B |
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| Consumer Goods | 1 | $7B |
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| Real Estate | 1 | $6B |
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| Chemicals | 1 | $2B |
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Price history
+499.7% since first listed18 events — show timeline
- 2026-04-06 Pending — BRIGHT MLS
- 2026-03-19 Listed $239,900 BRIGHT MLS
- 2024-05-29 Sold (Public Records) $230,000 Public Records
- 2024-05-16 Sold (MLS) $230,000 BRIGHT MLS
- 2024-04-15 Pending — BRIGHT MLS
- 2024-04-08 Price Changed $234,000 BRIGHT MLS
- 2024-04-02 Listed $239,000 BRIGHT MLS
- 2020-08-03 Sold (Public Records) $150,500 Public Records
- 2020-07-09 Sold (MLS) $150,000 BRIGHT MLS
- 2020-06-23 Pending — BRIGHT MLS
- 2020-06-22 Listing Removed — BRIGHT MLS
- 2020-06-18 Listed $149,900 BRIGHT MLS
- 2020-02-05 Sold (Public Records) $361,682 Public Records
- 2002-02-25 Sold (MLS) $66,000 MRIS
- 2002-01-04 Delisted — MRIS
- 2001-11-14 Listed $69,900 MRIS
- 1994-06-07 Sold (Public Records) $25,343 Public Records
- 1986-10-14 Sold (Public Records) $40,000 Public Records
Property tax history
+2.9%/yrLatest (2025): $2,938 · -7.0% YoY. Source: county tax records.
Cash-flow waterfall
monthlySold comps — $/sqft
last 12 mo · ≤1 miLoading sold comps…