4328 Ridge Rd #14 · Mount Airy, MD 21771

$45,000

2 bd · 2.0 ba · 932 sqft · Manufactured · 90 Days on market

Built 2005 $48/sqft · 77% below area

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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).

• Cash flow +15.0/30.0
• ARV discount +7.5/15.0
• 1% rule +5.0/10.0
• DSCR +5.0/10.0
• Schools +3.7/10.0
• Livability +3.6/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Welcome to Trailer #14 in Taylorsville Mobile Home Community. This rare 2-bedroom, 2-full-bath mobile home in Mount Airy offers 14’ x 66’ of comfortable living space, complete with vaulted ceilings, an open floor plan, and central air. Recent updates include new hallway stall shower, new carpet, newer water heater, and newer front porch deck, and rear deck has been fixed up. Step inside through the foyer to find a spacious living room that flows into the kitchen and dining areas. The kitchen features a ceramic tile backsplash, gas range, dishwasher, refrigerator, hardwood flooring, and plenty of cabinet and counter space. Just off the kitchen is the laundry room equipped with a full sized washer & dryer, with an additional exit to the rear yard. The primary bedroom features an attached full bath with a double vanity, separate shower, and large soaking tub. (The tub is functional—previous leak has been repaired—but could be removed if you prefer more space. ) On the opposite side of the home, you’ll find the large second bedroom with a walk-in closet. The hall bath has just been updated with a new stall shower. Outside, has two driveway parking spaces, gardening space, and a storage shed. Lot Rent is currently $800/month and includes water (community well), sewer, trash removal, road and common area maintenance, and property management. Park approval is required through an application with the community managers. Mobile homes in Mount Airy are hard to find—don’t miss this opportunity to own your home at such an affordable price.

Key facts

• Open floor plan
• New front porch deck
• New carpet

Tags

• VAULTED CEILINGS
• OPEN FLOOR PLAN
• NEW CARPET
• NEW WATER HEATER
• NEW FRONT PORCH DECK
• CERAMIC TILE BACKSPLASH

🏷️ Possibly a rental listed for sale. The $45,000 price doesn't fit this home's estimated sale value (~$194,422) and the remarks read like a rental — treat the cards below with caution.

What this means for you Summary

Snapshot

• This is a 2-bed/2.0-bath manufactured listed at $45k.

Deal economics

• At list price, monthly cash flow is $1k ($14k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $45k).
• Recommended offer: $42k (6.0% below list) — sets the bar for market timing.
• Cap rate 38.4% vs local median 2.2% in Mount Airy — 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 72/100 on livability (#136 in MD) — a middle-class / working-renter tenant base. Strengths: employment A+, housing A+, health & safety A; Watch: amenities D-, commute F, cost of living F.
• Carroll County Public Schools (suburban): math 32% / reading 47% proficiency, ranked #2 of 24 in MD (top 8%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases; only 16% free/reduced lunch — higher-income household profile.
• Market conditions: 120 active listings in the ZIP; 156 units permitted in Carroll County in 2024 (12 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $311 of loan paydown is wiped out by about $1k of value loss. Plan a longer hold.
• Carroll County population projected to shrink 7% by 2050 — rents likely to lag national; underwrite the cash flow, not the appreciation.
• At projected returns (-3.0% appreciation + 3.0% rent growth), your $13k cash investment doubles in ~1 year — after that, you're playing with house money.

Negotiation context

• It's been on market 90 days — a 6% lower offer ($42k) is reasonable based on typical stale-listing flexibility.
• 4 sale attempts since 19y ago; this cycle's ask has dropped $15k (25%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Risks & watch-outs

• Climate carrying-cost: extreme-heat days projected 7→15/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $42,300 (6.0% below list)

Questions for the listing agent

1. It's been on market 90 days. Have you received any prior offers? Is the seller open to a 6% concession, seller financing, or rate buy-down credit?
2. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. Schools are B-rated — typically a magnet for longer-tenancy family renters. What's the average tenant stay here, and is there a school-zone premium baked into asking?
5. 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?
6. What's the average days-on-market for RENTAL listings here right now (not sales)? A rising rental-DOM trend means longer vacancies and softer asking-rent achievability than the comps imply.
7. What's the recent tenant-quality profile in this submarket — average credit score on applications, eviction rate, late-payment / NSF rate, and stable-employment percentage? A property-management company in the area should have these aggregated.
8. How much new for-sale + rental construction is in the pipeline within 1–3 miles? Heavy new supply typically softens prices + rents 12–24 months out; constrained supply supports both.

Investment metrics

• 1% rule: 4.26% ✓
• Cap rate: 38.36%
• Cash-on-cash: 114.52%
• DSCR: 6.10
• GRM: 2.0

CMA / ARV

• ARV (median comp): $194,422
• List price: $45,000
• Delta: -76.85%
• Verdict: UNDERPRICED
• Comps: 4 within 1.0 mi

Projected returns pro-forma

-3.0% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: —
• Equity multiple: 6.50×
• Total profit: $69,320
• Equity at exit: $6,710

10-year hold

• IRR: —
• Equity multiple: 13.63×
• Total profit: $159,092
• Equity at exit: $3,891

Cash invested: $12,600 (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 21771

• Active inventory: 120
• Price-to-rent: 2.0×

Monthly cashflow live

• Estimated rent: $1,916 medium
• Mortgage (P&I): −$236
• Tax est. 1.5%: −$56 /mo · $675/yr
• Insurance: −$19
• HOA: −$0
• Vacancy / Maint / Mgmt: −$402
• Net cashflow: $1,202

Break-even live

Break-even rent $394

Max offer price $45,000

Occupancy floor 32%

Sensitivity live

Price	-10% $1,234	-5% $1,218	+0% $1,202	+5% $1,187	+10% $1,171
Rent	-10% $1,051	-5% $1,127	+0% $1,202	+5% $1,278	+10% $1,354
Rate	-1.0pp $1,225	-0.5pp $1,214	base $1,202	+0.5pp $1,191	+1.0pp $1,179

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: $11,250
• Closing costs: $1,350
• Reserves months: —
• Total cash needed: —

Listing history 23 events

1. 2026-06-21
   days on market $45,000 Active 90 DOM
2. 2026-06-18
   days on market $45,000 Active 87 DOM
3. 2026-06-17
   days on market $45,000 Active 86 DOM
4. 2026-06-16
   days on market $45,000 Active 85 DOM
5. 2026-06-15
   days on market $45,000 Active 84 DOM
6. 2026-06-13
   days on market $45,000 Active 82 DOM
7. 2026-06-09
   days on market $45,000 Active 78 DOM
8. 2026-06-08
   days on market $45,000 Active 77 DOM
9. 2026-06-07
   days on market $45,000 Active 76 DOM
10. 2026-06-04
    days on market $45,000 Active 73 DOM
11. 2026-06-03
    days on market $45,000 Active 72 DOM
12. 2026-06-02
    days on market $45,000 Active 71 DOM
13. 2026-06-01
    days on market $45,000 Active 70 DOM
14. 2026-05-31
    days on market $45,000 Active 69 DOM
15. 2026-03-23
    listed $60,000 Active 1601-char remark

    Show marketing remark (1601 chars)

    Welcome to Trailer #14 in Taylorsville Mobile Home Community. This rare 2-bedroom, 2-full-bath mobile home in Mount Airy offers 14’ x 66’ of comfortable living space, complete with vaulted ceilings, an open floor plan, and central air. Recent updates include new hallway stall shower, new carpet, newer water heater, and newer front porch deck, and rear deck has been fixed up. Step inside through the foyer to find a spacious living room that flows into the kitchen and dining areas. The kitchen features a ceramic tile backsplash, gas range, dishwasher, refrigerator, hardwood flooring, and plenty of cabinet and counter space. Just off the kitchen is the laundry room equipped with a full sized washer & dryer, with an additional exit to the rear yard. The primary bedroom features an attached full bath with a double vanity, separate shower, and large soaking tub. (The tub is functional—previous leak has been repaired—but could be removed if you prefer more space. ) On the opposite side of the home, you’ll find the large second bedroom with a walk-in closet. The hall bath has just been updated with a new stall shower. Outside, has two driveway parking spaces, gardening space, and a storage shed. Lot Rent is currently $800/month and includes water (community well), sewer, trash removal, road and common area maintenance, and property management. Park approval is required through an application with the community managers. Mobile homes in Mount Airy are hard to find—don’t miss this opportunity to own your home at such an affordable price.

16. 2025-09-02
    soldstatus $50,000 Closed 1662-char remark

    Show marketing remark (1662 chars)

    Welcome to Lot #14 in Taylorsville Mobile Home Community. This rare 2-bedroom, 2-full-bath mobile home in Mount Airy offers 14’ x 66’ of comfortable living space, complete with vaulted ceilings, an open floor plan, and central air. Recent updates include a new water heater and new front porch deck. Step inside through the foyer to find a spacious living room that flows into the kitchen and dining areas. The kitchen features a ceramic tile backsplash, gas range, dishwasher, refrigerator, hardwood flooring, and plenty of cabinet and counter space. Just off the kitchen is the laundry room with an additional exit to the rear yard. The primary bedroom features an attached full bath with a double vanity, separate shower, and large soaking tub. (The tub is functional—previous leak has been repaired—but could be removed if you prefer more space. ) On the opposite side of the home, you’ll find the second bedroom with a walk-in closet and the hall bath, which is partially updated and will need the shower connection completed by the new owner. Outside, has two driveway parking spaces, gardening space, and a storage shed. Lot Rent is currently $800/month and includes water (community well), sewer, trash removal, road and common area maintenance, and property management. Park approval is required through an application with the community managers. This home is being sold as-is and does need some TLC, but it has been well-loved and is ready for a new owner to customize and make it their own. Mobile homes in Mount Airy are hard to find—don’t miss this opportunity to own your home at such an affordable price!

17. 2025-08-19
    status Pending 1662-char remark

    Show marketing remark (1662 chars)

    Welcome to Lot #14 in Taylorsville Mobile Home Community. This rare 2-bedroom, 2-full-bath mobile home in Mount Airy offers 14’ x 66’ of comfortable living space, complete with vaulted ceilings, an open floor plan, and central air. Recent updates include a new water heater and new front porch deck. Step inside through the foyer to find a spacious living room that flows into the kitchen and dining areas. The kitchen features a ceramic tile backsplash, gas range, dishwasher, refrigerator, hardwood flooring, and plenty of cabinet and counter space. Just off the kitchen is the laundry room with an additional exit to the rear yard. The primary bedroom features an attached full bath with a double vanity, separate shower, and large soaking tub. (The tub is functional—previous leak has been repaired—but could be removed if you prefer more space. ) On the opposite side of the home, you’ll find the second bedroom with a walk-in closet and the hall bath, which is partially updated and will need the shower connection completed by the new owner. Outside, has two driveway parking spaces, gardening space, and a storage shed. Lot Rent is currently $800/month and includes water (community well), sewer, trash removal, road and common area maintenance, and property management. Park approval is required through an application with the community managers. This home is being sold as-is and does need some TLC, but it has been well-loved and is ready for a new owner to customize and make it their own. Mobile homes in Mount Airy are hard to find—don’t miss this opportunity to own your home at such an affordable price!

18. 2025-08-11
    listed $55,000 Active 1662-char remark

    Show marketing remark (1662 chars)

    Welcome to Lot #14 in Taylorsville Mobile Home Community. This rare 2-bedroom, 2-full-bath mobile home in Mount Airy offers 14’ x 66’ of comfortable living space, complete with vaulted ceilings, an open floor plan, and central air. Recent updates include a new water heater and new front porch deck. Step inside through the foyer to find a spacious living room that flows into the kitchen and dining areas. The kitchen features a ceramic tile backsplash, gas range, dishwasher, refrigerator, hardwood flooring, and plenty of cabinet and counter space. Just off the kitchen is the laundry room with an additional exit to the rear yard. The primary bedroom features an attached full bath with a double vanity, separate shower, and large soaking tub. (The tub is functional—previous leak has been repaired—but could be removed if you prefer more space. ) On the opposite side of the home, you’ll find the second bedroom with a walk-in closet and the hall bath, which is partially updated and will need the shower connection completed by the new owner. Outside, has two driveway parking spaces, gardening space, and a storage shed. Lot Rent is currently $800/month and includes water (community well), sewer, trash removal, road and common area maintenance, and property management. Park approval is required through an application with the community managers. This home is being sold as-is and does need some TLC, but it has been well-loved and is ready for a new owner to customize and make it their own. Mobile homes in Mount Airy are hard to find—don’t miss this opportunity to own your home at such an affordable price!

19. 2007-10-15
    soldstatus $38,500
20. 2007-10-01
    historical
21. 2007-09-02
    listed $43,900
22. 2007-08-31
    historical
23. 2007-04-19
    listed

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

Climate risk First Street

• 🌊 Flood 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
• 🔥 Wildfire 3/10 Moderate
• 🌡 Heat 5/10 Major 7 d/yr ≥101°F today · 15 d/yr by 30 yrs out
• 💨 Wind 4/10 Moderate 15% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 1 unhealthy d/yr today · 2 by 30 yrs out

Taxation est. · year 1

• Rental income: $22,988
• − Mortgage interest: −$2,521
• − Property taxes: −$675
• − Insurance: −$225
• − Repairs & maintenance: −$1,839
• − Management: −$1,839
• − Depreciation: −$1,309
• Taxable income: $14,580
• Est. tax owed @ 24.0%: −$3,499
• After-tax cash flow: $10,930/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: Carroll County Public Schools
• NCES district ID: 2400210
• Math proficiency: 32% ▼ -25.00%
• Reading proficiency: 47% ▼ -16.00%
• Median HH income: $84,594
• Composite: 37.33/100
• National rank: #4441
• State rank: #2 of 24 in MD

Livability — Mount Airy

• Score: 72/100
• State rank: #136
• US rank: #5825

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Population (ZIP): 32,827

Population outlook (Carroll County) Hauer SSP2

• Today (2025): 169,677 people
• By 2030: 169,605 · +-0.0%
• By 2040: 166,205 · -2.0%
• By 2050: 158,312 · -6.7%
• By 2075: 143,013 · -15.7%
• By 2100: 122,431 · -27.8%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (82%)
• Race & ethnicity: White 82% Hispanic / Latino 9% Two or more races 5% Black 4% Asian 2%
• Hispanic origin (detail): Mexican 2%
• Common ancestry: Romanian 7% Italian 3% Slovak 2%
• Foreign-born: 9% · Canada, South Korea, Jamaica
• Languages at home: 89% English-only · Spanish 6% Other Indo-European 1% Korean 1%

Political lean MEDSL · Carroll

• 2024 margin: Strong R (+24.9) · D 36.2% · R 61.2% · Other 2.6%
• 2008→2024 swing: +6.2pp toward D · 2008: -31.2pp · 2024: -24.9pp
• All cycles: 2024: R+24.9 2020: R+23.7 2016: R+36.9 2012: R+34.0 2008: R+31.2

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -217.07%
• Current HPI: 293.3461
• Rent YoY: —
• Metro: —
• 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

+36.7% since first listed

9 events — show timeline

• 2026-03-23 Listed $60,000 BRIGHT MLS
• 2025-09-02 Sold (MLS) $50,000 BRIGHT MLS
• 2025-08-19 Pending — BRIGHT MLS
• 2025-08-11 Listed $55,000 BRIGHT MLS
• 2007-10-15 Sold (MLS) $38,500 MRIS
• 2007-10-01 Delisted — MRIS
• 2007-09-02 Listed $43,900 MRIS
• 2007-08-31 Delisted — MRIS
• 2007-04-19 Listed — MRIS