120 S Durham St · Baltimore, MD
Flood risk 1/10 · Minimal
- FEMA flood zone
- X (unshaded)
- Chance of flooding over 30 yrs
- 0.0%
- Est. flood insurance / yr
- $507 – $1,088
Fire risk 1/10 · Minimal
- Est. fire insurance / yr
- $755 – $1,403
Heat risk 8/10 · Major
- Hot days now (above 103°F)
- 7 days/yr
- Hot days in 30 yrs
- 15 days/yr
Wind risk 6/10 · Moderate
- Chance of severe wind over 30 yrs
- 27.0%
Air-quality risk 4/10 · Minor
- Unhealthy air days now
- 6 days/yr
- Unhealthy air days in 30 yrs
- 7 days/yr
Risk factors via First Street. Map © Google.
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 +23.3/30.0
- ARV discount +13.0/15.0
- DSCR +7.5/10.0
- 1% rule +6.6/10.0
- Livability +3.8/5.0
- Rent growth +3.1/5.0
- Condition / age +2.5/5.0
- Schools +1.0/10.0
- Appreciation +0.0/10.0
$165,000
🖨 Deal sheet 📄 Offer letter ✓ Due diligence
Listing remarks MLS
This quintessential Upper Fells charmer offers the best of locations in Southeast Baltimore. Nestled between Fells Point to the South and Butcher’s Hill to the North, and just a few blocks from “The Best Backyard in Baltimore” -- Patterson Park-- your new urban lifestyle awaits. This cozy row home boasts exposed brick, sleek iron balusters, white cabinetry, laminate and ceramic tile floors on the main level and fresh paint. Upstairs accommodates two generously sized bedrooms and a spacious bath. Outside, enjoy your very own private terrace that’s perfect for grilling/ al fresco dining, and features a built-in garden bed. This property is perfect for a buyer looking to establish equity instead of renting, or for the savvy investor looking to add to their rental portfolio. (Comparable rentals are leasing for $1,200/month) Situated on a quiet street framed by festive bistro lighting, residents of this community take pleasure in a rich diversity of nearby bars, coffee shops, restaurants, parks and entertainment. This location is a pedestrian paradise with a 9 min walk to Johns Hopkins, or 10 min walk to the charming cobblestone streets of waterfront Fells Point. New Roof (2018) Schedule your private showing today!
Key facts
- Built 1900
- Listed 3 days
Property features AI
Finance
- Other: Ownership interest: Ground rent
- Financial info: Ground rent: $12 (semi-annually); Annual ground rent listed in income/expense items
Exterior
- Parking: On-street parking
- Utilities: Public water; Public sewer; Hot water (natural gas); Electric service for heating and cooling
- Home design: Interior townhouse/rowhouse; Brick construction
- Construction: Brick exterior; Slab foundation
- Exterior features: No basement; Ground rent exists (paid semi-annually)
Interior
- Kitchen: Electric oven/range; Microwave; Refrigerator
- Bedrooms: Two bedrooms on the first upper level
- Bathrooms: One full bathroom (all upper levels)
- Heating & cooling: Heat pump heating; Central air conditioning (electric)
- Interior features: Traditional floor plan
- Laundry & utility: Stacked washer and dryer; Water heater
Neighborhood map
What this means for you Summary
Snapshot
- This is a 2-bed/1.0-bath townhouse listed at $165k.
Deal economics
- At list price, monthly cash flow is $303 ($4k/yr) — positive.
- The deal already cash-flows at list — no discount required.
- Meets the 1% rule at list price ($2k rent vs $165k).
- Cap rate 8.5% 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 (+2.3%/yr); 131 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals leasing fast (median 5d on market — plan ~1-2 weeks tenant-placement turnaround); solid renter incomes; 1,273 units permitted in Baltimore city in 2024 (1,104 in 5+ unit buildings).
Forward outlook
- Local home prices are declining (-3.0%/yr); year-one equity from $1k of loan paydown is wiped out by about $5k 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.
Negotiation context
- Only 3 days on market — expect competitive offers; lowballing is unlikely to land.
- 10 sale attempts since 21y ago; this cycle's ask is 18% above the opening price — seller raised mid-cycle; expect resistance to lowballs.
- Current owner paid $142k; 16% above their basis — modest negotiation headroom, anchor on the comps not their cost.
Risks & watch-outs
- Watch-outs: built in 1900 — expect roof / HVAC / electrical / plumbing capex.
- 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.
Questions for the listing agent
- Built in 1900 — 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 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?
- 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?
- 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
- 1.16% ✓
- Cap rate
- 8.50%
- Cash-on-cash
- 7.88%
- DSCR
- 1.35
- GRM
- 7.2
CMA / ARV
- ARV (on-the-fly)
- $187,748
- Comps found
- 12
Show comp detail 12 sales within ~0.75 mi
| Address | Dist | Beds/Ba | Sqft | Sold | Price | $/sf | Match |
|---|---|---|---|---|---|---|---|
| 229 S Durham St | 0.09mi | 2/2.0 | 720 (-4%) | 5mo | $181,000 | $251 | 81 |
| 207 S Durham St | 0.06mi | 2/1.0 | 672 (-10%) | 1mo | $157,000 | $234 | 79 |
| 106 N Madeira St | 0.38mi | 1/1.0 (-1) | 748 (0%) | 2mo | $170,000 | $227 | 76 |
| 211 Collington Ave | 0.42mi | 2/1.0 | 780 (+4%) | 3mo | $82,500 | $106 | 71 |
| 318 S Duncan St S | 0.30mi | 2/2.0 | 816 (+9%) | 2mo | $289,900 | $355 | 65 |
| 311 S Chapel St | 0.20mi | 2/2.0 | 858 (+15%) | 0mo | $235,000 | $274 | 62 |
| 26 N Madeira St | 0.36mi | 2/2.0 | 672 (-10%) | 6mo | $103,000 | $153 | 57 |
| 511 S Chapel St | 0.33mi | 1/1.5 (-1) | 672 (-10%) | 6mo | $233,000 | $347 | 56 |
| 504 S Collington Ave | 0.41mi | 1/1.0 (-1) | 848 (+13%) | 2mo | $150,000 | $177 | 52 |
| 512 S Chapel St | 0.33mi | 1/1.0 (-1) | 640 (-14%) | 5mo | $200,000 | $313 | 51 |
| 622 S Glover St | 0.74mi | 2/1.0 | 832 (+11%) | 0mo | $195,500 | $235 | 47 |
| 675 President St #1404 | 0.71mi | 1/1.0 (-1) | 858 (+15%) | 1mo | $295,000 | $344 | 37 |
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 · 2.26% rent growth · sell at horizon
- IRR
- -5.1%
- Equity multiple
- 0.81×
- Total profit
- $-8,766
- Equity at exit
- $24,602
- IRR
- 3.6%
- Equity multiple
- 1.26×
- Total profit
- $11,807
- Equity at exit
- $14,266
Cash invested: $46,200 (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
ZIP-level market 21231
- Rents YoY
- 2.3%
- Active inventory
- 131
- Price-to-rent
- 7.2×
Monthly cashflow live
- Estimated rent
- $1,913 high interval (Pro) →
- Mortgage (P&I)
- −$865
- Tax from tax record
- −$274 /mo · $3,288/yr
- Insurance
- −$69
- HOA
- −$0
- Vacancy / Maint / Mgmt
- −$402
- Net cashflow
- $303
Break-even live
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
- $41,250
- Closing costs
- $4,950
- 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 |
|---|---|---|---|---|---|---|---|---|
| 1901 E Lombard St Apt 2 Baltimore, MD | 1.0 | 1.0 | 650 | $1,650 | $2.54 | 2d | 1 | 0.05mi |
| 1901 E Lombard St Baltimore, MD | 1.0 | 1.0 | 702 | $1,750 | $2.49 | 43d | 1 | 0.05mi |
| 1901 E Lombard St Apt 3 Baltimore, MD | 1.0 | 1.0 | 650 | $1,750 | $2.69 | 4d | 1 | 0.05mi |
| 1901 E Lombard St Apt 4 Baltimore, MD | 1.0 | 1.0 | 650 | $1,750 | $2.69 | 21d | 1 | 0.05mi |
| 1901 E Lombard St Apt 3 Baltimore, MD | 1.0 | 1.0 | 650 | $1,750 | $2.69 | 14d | 1 | 0.05mi |
| 1901 E Lombard St Baltimore, MD | 1.0 | 1.0 | 650 | $1,750 | $2.69 | 23d | 1 | 0.05mi |
| 1901 E Lombard St Baltimore, MD | 1.0 | 1.0 | 660 | $1,800 | $2.73 | 21d | 1 | 0.05mi |
| 107 S Collington Ave Unit 2 REAR Baltimore, MD | 1.0 | 1.0 | 600 | $1,800 | $3.00 | 4d | 1 | 0.27mi |
| 305 S Collington Ave Baltimore, MD | 3.0 | 2.5 | 722 | $2,895 | $4.01 | 17d | 1 | 0.33mi |
| 521 S Wolfe St Unit 1R Baltimore, MD | 1.0 | 1.0 | 500 | $1,350 | $2.70 | 11d | 1 | 0.35mi |
| 1742 Fleet St Unit 302 Baltimore, MD | 1.0 | 1.0 | 524 | $1,600 | $3.05 | 4d | 1 | 0.36mi |
| 210 S Caroline St Baltimore, MD | 1.0–2.0 | 1.0 | 808 | $1,965 | $2.43 | 43d | 23 | 0.37mi |
| 601 S Broadway Unit 305 Baltimore, MD | 1.0 | 1.0 | 592 | $1,600 | $2.70 | 4d | 1 | 0.40mi |
| 601 S Broadway Unit 305 Baltimore, MD | 1.0 | 1.0 | 592 | $1,600 | $2.70 | 43d | 1 | 0.40mi |
| 622 S Broadway Baltimore, MD | 2.0 | 1.0–2.0 | 953 | $2,998 | $3.14 | 1d | 8 | 0.44mi |
| 2309 Eastern Ave Unit B Baltimore, MD | 1.0 | 1.0 | 550 | $1,295 | $2.35 | 43d | 1 | 0.47mi |
| 520 S Caroline St Unit 301 Baltimore, MD | 1.0 | 1.0 | 625 | $2,100 | $3.36 | 4d | 1 | 0.49mi |
| 1301 Aliceanna St Baltimore, MD | 1.0 | 1.0 | 758 | $2,894 | $3.82 | 2d | 3 | 0.61mi |
| 400 N Rose St #1 Baltimore, MD | 1.0 | 1.0 | 588 | $1,080 | $1.84 | 43d | 1 | 0.64mi |
| 1001 Aliceanna St Baltimore, MD | 1.0–2.0 | 1.0–2.0 | 844 | $3,081 | $3.65 | 3d | 3 | 0.68mi |
| 555 President St Baltimore, MD | 3.0 | 1.0–4.0 | 1352 | $4,282 | $3.17 | 2d | 1 | 0.70mi |
| 500 N Rose St Baltimore, MD | 3.0 | 2.0 | 520 | $1,200 | $2.31 | 4d | 1 | 0.70mi |
| 520 Somerset St Baltimore, MD | 1.0–2.0 | 1.0–2.0 | 634 | $1,578 | $2.49 | 43d | 1 | 0.71mi |
| 723 N Patterson Park Ave Baltimore, MD | 1.0 | 1.0 | 350 | $1,000 | $2.86 | 43d | 1 | 0.72mi |
| 707 President St Baltimore, MD | 1.0 | 1.0–1.5 | 750 | $2,534 | $3.38 | 1d | 15 | 0.74mi |
| 420 Aisquith St Baltimore, MD | 1.0 | 1.0 | 721 | $1,226 | $1.70 | 43d | 1 | 0.75mi |
| 1405 Point St Baltimore, MD | 2.0 | 1.0–2.0 | 652 | $3,336 | $5.11 | 3d | 2 | 0.75mi |
| 103 S Gay St Baltimore, MD | 1.0 | 1.0 | 670 | $1,420 | $2.12 | 2d | 7 | 0.96mi |
| 414 Water St Baltimore, MD | 1.0–3.0 | 1.0–2.5 | 751 | $2,700 | $3.59 | 2d | 6 | 0.99mi |
| 414 Water St Baltimore, MD | 1.0–3.0 | 1.0–2.5 | 751 | $2,650 | $3.53 | 2d | 7 | 0.99mi |
| 1607 Hakesley Pl Baltimore, MD | 3.0 | 1.0 | 720 | $1,400 | $1.94 | 43d | 1 | 1.05mi |
| 1209 N Caroline St Unit 2 Baltimore, MD | 1.0 | 1.0 | 600 | $1,300 | $2.17 | 4d | 1 | 1.06mi |
| 2221 E Preston St Baltimore, MD | 2.0 | 1.0 | 658 | $1,200 | $1.82 | 23d | 1 | 1.10mi |
| 821 E Eager St Unit 21-3F Baltimore, MD | 1.0 | 1.0 | 700 | $999 | $1.43 | 4d | 1 | 1.11mi |
| 222 E Saratoga St Baltimore, MD | 2.0 | 1.0–2.0 | 1034 | $2,665 | $2.58 | 17d | 6 | 1.12mi |
| 7 N Calvert St Baltimore, MD | 1.0–2.0 | 1.0–2.0 | 1000 | $1,815 | $1.81 | 4d | 7 | 1.12mi |
| 207 E Redwood St Baltimore, MD | 1.0 | 1.0 | 503 | $1,650 | $3.28 | 2d | 31 | 1.13mi |
| 3235 Eastern Ave Unit 2FL Baltimore, MD | 1.0 | 1.0 | 552 | $1,795 | $3.25 | 4d | 1 | 1.14mi |
| 3018 O Donnell St Unit 2R Baltimore, MD | 1.0 | 1.0 | 750 | $1,700 | $2.27 | 43d | 1 | 1.15mi |
| 225 N Calvert St Baltimore, MD | 1.0–2.0 | 1.0–2.0 | 835 | $2,232 | $2.67 | 2d | 19 | 1.15mi |
Listing history 41 events
-
2026-06-07statusdays on market $165,000 Pending 3 DOM
-
2026-06-04remarks 699-char remark
-
2026-06-04statusdays on market $165,000 Active 1 DOM
-
2026-06-03days on market $165,000 Coming Soon 16 DOM
-
2026-06-02days on market $165,000 Coming Soon 15 DOM
-
2026-06-01days on market $165,000 Coming Soon 14 DOM
-
2026-05-31days on market $165,000 Coming Soon 13 DOM
-
2026-05-18historical $165,000
-
2023-06-20historical
-
2022-12-06soldstatus $142,500
-
2022-08-31soldstatus $142,500 Closed 1253-char remark
Show marketing remark (1253 chars)
This quintessential Upper Fells charmer offers the best of locations in Southeast Baltimore. Nestled between Fells Point to the South and Butcher’s Hill to the North, and just a few blocks from “The Best Backyard in Baltimore” -- Patterson Park-- your new urban lifestyle awaits. This cozy row home boasts exposed brick, sleek iron balusters, white cabinetry, laminate and ceramic tile floors on the main level and fresh paint. Upstairs accommodates two generously sized bedrooms and a spacious bath. Outside, enjoy your very own private terrace that’s perfect for grilling/ al fresco dining, and features a built-in garden bed. This property is perfect for a buyer looking to establish equity instead of renting, or for the savvy investor looking to add to their rental portfolio. (Comparable rentals are leasing for $1,200/month) Situated on a quiet street framed by festive bistro lighting, residents of this community take pleasure in a rich diversity of nearby bars, coffee shops, restaurants, parks and entertainment. This location is a pedestrian paradise with a 9 min walk to Johns Hopkins, or 10 min walk to the charming cobblestone streets of waterfront Fells Point. New Roof (2018) Schedule your private showing today!
-
2022-08-10status Pending 1253-char remark
Show marketing remark (1253 chars)
This quintessential Upper Fells charmer offers the best of locations in Southeast Baltimore. Nestled between Fells Point to the South and Butcher’s Hill to the North, and just a few blocks from “The Best Backyard in Baltimore” -- Patterson Park-- your new urban lifestyle awaits. This cozy row home boasts exposed brick, sleek iron balusters, white cabinetry, laminate and ceramic tile floors on the main level and fresh paint. Upstairs accommodates two generously sized bedrooms and a spacious bath. Outside, enjoy your very own private terrace that’s perfect for grilling/ al fresco dining, and features a built-in garden bed. This property is perfect for a buyer looking to establish equity instead of renting, or for the savvy investor looking to add to their rental portfolio. (Comparable rentals are leasing for $1,200/month) Situated on a quiet street framed by festive bistro lighting, residents of this community take pleasure in a rich diversity of nearby bars, coffee shops, restaurants, parks and entertainment. This location is a pedestrian paradise with a 9 min walk to Johns Hopkins, or 10 min walk to the charming cobblestone streets of waterfront Fells Point. New Roof (2018) Schedule your private showing today!
-
2022-08-09historical 1253-char remark
Show marketing remark (1253 chars)
This quintessential Upper Fells charmer offers the best of locations in Southeast Baltimore. Nestled between Fells Point to the South and Butcher’s Hill to the North, and just a few blocks from “The Best Backyard in Baltimore” -- Patterson Park-- your new urban lifestyle awaits. This cozy row home boasts exposed brick, sleek iron balusters, white cabinetry, laminate and ceramic tile floors on the main level and fresh paint. Upstairs accommodates two generously sized bedrooms and a spacious bath. Outside, enjoy your very own private terrace that’s perfect for grilling/ al fresco dining, and features a built-in garden bed. This property is perfect for a buyer looking to establish equity instead of renting, or for the savvy investor looking to add to their rental portfolio. (Comparable rentals are leasing for $1,200/month) Situated on a quiet street framed by festive bistro lighting, residents of this community take pleasure in a rich diversity of nearby bars, coffee shops, restaurants, parks and entertainment. This location is a pedestrian paradise with a 9 min walk to Johns Hopkins, or 10 min walk to the charming cobblestone streets of waterfront Fells Point. New Roof (2018) Schedule your private showing today!
-
2022-08-04$140,000 Active 1253-char remark
Show marketing remark (1253 chars)
This quintessential Upper Fells charmer offers the best of locations in Southeast Baltimore. Nestled between Fells Point to the South and Butcher’s Hill to the North, and just a few blocks from “The Best Backyard in Baltimore” -- Patterson Park-- your new urban lifestyle awaits. This cozy row home boasts exposed brick, sleek iron balusters, white cabinetry, laminate and ceramic tile floors on the main level and fresh paint. Upstairs accommodates two generously sized bedrooms and a spacious bath. Outside, enjoy your very own private terrace that’s perfect for grilling/ al fresco dining, and features a built-in garden bed. This property is perfect for a buyer looking to establish equity instead of renting, or for the savvy investor looking to add to their rental portfolio. (Comparable rentals are leasing for $1,200/month) Situated on a quiet street framed by festive bistro lighting, residents of this community take pleasure in a rich diversity of nearby bars, coffee shops, restaurants, parks and entertainment. This location is a pedestrian paradise with a 9 min walk to Johns Hopkins, or 10 min walk to the charming cobblestone streets of waterfront Fells Point. New Roof (2018) Schedule your private showing today!
-
2017-04-08historical 127-char remark
Show marketing remark (127 chars)
Ready to go with new carpet and fresh paint, make this your home! Two bedroom one bath with private patio on beautiful street.
-
2017-04-07soldstatus $123,350 127-char remark
Show marketing remark (127 chars)
Ready to go with new carpet and fresh paint, make this your home! Two bedroom one bath with private patio on beautiful street.
-
2017-04-07soldstatus $123,350 Sold
Show marketing remark (127 chars)
Ready to go with new carpet and fresh paint, make this your home! Two bedroom one bath with private patio on beautiful street.
-
2017-02-22status Contingent (No Kick Out)
-
2016-11-11price $129,900
-
2016-07-12price $139,900
-
2016-06-22price $144,900
-
2016-05-13$149,900 Active
Show marketing remark (127 chars)
Ready to go with new carpet and fresh paint, make this your home! Two bedroom one bath with private patio on beautiful street.
-
2016-05-13$129,900 127-char remark
Show marketing remark (127 chars)
Ready to go with new carpet and fresh paint, make this your home! Two bedroom one bath with private patio on beautiful street.
-
2015-06-18historical
-
2015-06-18historical Expired
-
2014-06-24Active
-
2014-06-24$136,500
-
2008-01-25soldstatus $66,625
-
2007-11-05soldstatus $66,625
-
2007-10-03$65,000
-
2007-10-03historical
-
2007-07-01historical
-
2007-03-29
-
2006-12-22historical
-
2006-07-06
-
2006-03-23historical
-
2006-03-16historical
-
2006-02-13
-
2006-02-09soldstatus $55,000
-
2005-11-17
-
2005-03-02soldstatus $18,000
ⓘ 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
- $3,288 · $274/mo
- Projected year-2 tax
- $3,288 · $274/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 ≥103°F today · 15 d/yr by 30 yrs out
- Wind 6/10 Major 27% chance of damaging wind over 30 yrs
- Air quality 4/10 Moderate 6 unhealthy d/yr today · 7 by 30 yrs out
Nearby sold comps map
Loading sold comps map…
Walkable amenities ~0.75 mi
Loading nearby amenities…
Taxation est. · year 1
- Rental income
- $22,956
- − Mortgage interest
- −$9,243
- − Property taxes
- −$3,288
- − Insurance
- −$825
- − Repairs & maintenance
- −$1,837
- − Management
- −$1,837
- − Depreciation
- −$4,800
- Taxable income
- $1,128
- Est. tax owed @ 24.0%
- −$271
- After-tax cash flow
- $3,368/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
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)
- 14,969
- Household income
- $85,254
- Rent vs Own
- Severe rent burden
- 1147.0
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 0.62)
- Race & ethnicity
- White 53% Black 29% Hispanic / Latino 9% Two or more races 7% Asian 4%
- Hispanic origin (detail)
- Mexican 3% Puerto Rican 1%
- Common ancestry
- Romanian 6% Slovak 2% Lithuanian 2%
- Foreign-born
- 10% · Canada, China, South Korea
- Languages at home
- 85% English-only · Spanish 6% Other Indo-European 2% Russian/Polish/Slavic 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
- ▼ -545.26%
- Current HPI
- 351.3778
- Rent YoY
- ▲ 2.26%
- 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
+816.7% since first listed34 events — show timeline
- 2026-05-18 Coming Soon $165,000 BRIGHT MLS
- 2023-06-20 Rental Removed — TURBOTENANT
- 2022-12-06 Sold (Public Records) $142,500 Public Records
- 2022-08-31 Sold (MLS) $142,500 BRIGHT MLS
- 2022-08-10 Pending — BRIGHT MLS
- 2022-08-09 Listing Removed — BRIGHT MLS
- 2022-08-04 Listed $140,000 BRIGHT MLS
- 2017-04-08 Listing Removed — BRIGHT MLS
- 2017-04-07 Sold (MLS) $123,350 MRIS
- 2017-04-07 Sold (MLS) $123,350 BRIGHT MLS
- 2017-02-22 Pending — MRIS
- 2016-11-11 Price Changed $129,900 MRIS
- 2016-07-12 Price Changed $139,900 MRIS
- 2016-06-22 Price Changed $144,900 MRIS
- 2016-05-13 Listed $149,900 MRIS
- 2016-05-13 Listed $129,900 BRIGHT MLS
- 2015-06-18 Delisted — MRIS
- 2015-06-18 Listing Removed — BRIGHT MLS
- 2014-06-24 Listed — MRIS
- 2014-06-24 Listed $136,500 BRIGHT MLS
- 2008-01-25 Sold (Public Records) $66,625 Public Records
- 2007-11-05 Sold (MLS) $66,625 MRIS
- 2007-10-03 Delisted — MRIS
- 2007-10-03 Listed $65,000 MRIS
- 2007-07-01 Delisted — MRIS
- 2007-03-29 Listed — MRIS
- 2006-12-22 Delisted — MRIS
- 2006-07-06 Listed — MRIS
- 2006-03-23 Delisted — MRIS
- 2006-03-16 Delisted — MRIS
- 2006-02-13 Listed — MRIS
- 2006-02-09 Sold (Public Records) $55,000 Public Records
- 2005-11-17 Listed — MRIS
- 2005-03-02 Sold (Public Records) $18,000 Public Records
Property tax history
+2.7%/yrLatest (2025): $3,288 · +2.6% YoY. Source: county tax records.
Cash-flow waterfall
monthlySold comps — $/sqft
last 12 mo · ≤1 miLoading sold comps…