1731 Cliftview Ave · Baltimore, MD 21213

$145,000

4 bd · 1.0 ba · 520 sqft · Townhouse public records · 143 Days on market

Built 1920 $279/sqft · 96% above area Est $137k · 5% over

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Why this score? — see what drove the B grade

The composite is a weighted blend of 9 inputs, each scored 0–100. Each bar is that input's sub-score; the figure is the points it added to the 100-point composite (weight × sub-score).

• Cash flow +30.0/30.0
• DSCR +10.0/10.0
• 1% rule +9.3/10.0
• ARV discount +5.0/15.0
• Appreciation +4.7/10.0
• Rent growth +3.8/5.0
• Livability +3.8/5.0
• Condition / age +2.5/5.0
• Schools +1.0/10.0

Listing remarks MLS

Charming townhome with thoughtful updates throughout. Enjoy relaxing on the covered front porch or cooking in the pretty kitchen featuring a large island with stool seating, granite countertops, and stainless steel appliances, including a microwave range hood. A rear door from the kitchen leads to the privacy-fenced backyard, perfect for everyday use or casual entertaining. The upper level offers three bedrooms and a full hall bath. The finished lower level includes a full bathroom, wet bar, laundry area, and walk-out access to a private patio, plus an additional room ideal for a 4th bedroom, home office, or gym. Recent updates include new plumbing and a new HVAC system for added comfort and efficiency. Mortgage savings may be available for buyers of this listing.

Key facts

• Covered front porch
• Large island
• Granite countertops

Tags

• COVERED FRONT PORCH
• LARGE ISLAND
• GRANITE COUNTERTOPS
• STAINLESS STEEL APPLIANCES
• PRIVACY-FENCED BACKYARD
• FINISHED LOWER LEVEL

What this means for you Summary

Snapshot

• This is a 4-bed/1.0-bath townhouse listed at $145k.

Deal economics

• At list price, monthly cash flow is $752 ($9k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $145k).
• Recommended offer: $128k (12.0% below list) — sets the bar for market timing.
• Cap rate 12.5% vs local median 6.0% in Baltimore — top-decile yield for the area; either an underpriced asset or a hidden risk that comps aren't pricing in. Stress-test before assuming the spread holds.

Location & tenants

• Location reads 76/100 on livability (#90 in MD, #3,396 nationally) — a middle-class / working-renter tenant base. Strengths: amenities A+, commute A+, housing A+; Watch: schools D, crime F.
• Baltimore City Public Schools (urban): math 7% / reading 16% proficiency, ranked #24 of 24 in MD (top 100%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover; 79% free/reduced lunch — lower-income household profile, screen leases tightly.
• Market conditions: Rents rising fast (+5.2%/yr); 319 active listings in the ZIP; 7 comparable units currently listed for rent nearby; rentals at typical pace (median 17d on market — plan ~3-4 weeks tenant-placement turnaround); 1,273 units permitted in Baltimore city in 2024 (1,104 in 5+ unit buildings).
• At $2,068/mo this rent would consume 48% of the median local household income ($51k/yr) (locally 1868% of renters already pay >50% of income on rent) — very limited rent-growth headroom before tenants either downsize or default.

Forward outlook

• In year one you build about $178 of equity ($1k loan paydown + $-824 appreciation (-0.6% local appreciation)).
• Baltimore County population projected to shrink 4% by 2050 — rents likely to lag national; underwrite the cash flow, not the appreciation.
• At projected returns (-0.6% appreciation + 5.2% rent growth), your $41k cash investment doubles in ~4 years — after that, you're playing with house money.

Negotiation context

• It's been on market 143 days — a 12% lower offer ($128k) is reasonable based on typical stale-listing flexibility.
• 9 sale attempts since 19y ago; this cycle's ask has dropped $30k (17%) from the opening price — seller is motivated, your offer sets the floor, not the list.
• Current owner paid $36k; list at $145k implies a 297% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: built in 1920 — 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.

Recommended offer $127,600 (12.0% below list)

Questions for the listing agent

1. It's been on market 143 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
2. Built in 1920 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
4. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
5. Schools are D-rated, which usually means shorter tenancies and higher turnover. Who's the typical renter profile here, and what's been the actual vacancy rate?
6. Crime grade is F in this area — have there been break-ins, vandalism, or insurance claims at this property in the last 3 years? What carrier currently insures it and at what premium?
7. What's the average days-on-market for RENTAL listings here right now (not sales)? A rising rental-DOM trend means longer vacancies and softer asking-rent achievability than the comps imply.
8. What's the recent tenant-quality profile in this submarket — average credit score on applications, eviction rate, late-payment / NSF rate, and stable-employment percentage? A property-management company in the area should have these aggregated.
9. How much new for-sale + rental construction is in the pipeline within 1–3 miles? Heavy new supply typically softens prices + rents 12–24 months out; constrained supply supports both.

Investment metrics

• 1% rule: 1.43% ✓
• Cap rate: 12.52%
• Cash-on-cash: 22.23%
• DSCR: 1.99
• GRM: 5.8

CMA / ARV

• ARV (median comp): $137,493
• List price: $145,000
• Delta: 5.46%
• Verdict: FAIR
• Comps: 20 within 1.0 mi

Projected returns pro-forma

-0.57% appreciation · 5.25% rent growth · sell at horizon

5-year hold

• IRR: 22.9%
• Equity multiple: 2.10×
• Total profit: $44,570
• Equity at exit: $38,032

10-year hold

• IRR: 28.9%
• Equity multiple: 4.34×
• Total profit: $135,683
• Equity at exit: $42,582

Cash invested: $40,600 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

• Overall (CITY): 12 Strongly Tenant-Friendly
• State Maryland: 27 Tenant-Leaning · D+14
• County: — inherits STATE
• City Baltimore: 12 Strongly Tenant-Friendly · D+58

Just-cause for tenancies > 1 yr.

Methodology + full state rankings →

ZIP-level market 21213

• Home prices YoY: -0.1%
• Rents YoY: 5.2%
• Active inventory: 319
• Price-to-rent: 5.8×

Monthly cashflow live

• Estimated rent: $2,068 high
• Mortgage (P&I): −$760
• Tax from tax record: −$61 /mo · $728/yr
• Insurance: −$60
• HOA: −$0
• Vacancy / Maint / Mgmt: −$434
• Net cashflow: $752

Break-even live

Break-even rent $1,116

Max offer price $145,000

Occupancy floor 59%

Sensitivity live

Price	-10% $834	-5% $793	+0% $752	+5% $711	+10% $670
Rent	-10% $589	-5% $670	+0% $752	+5% $834	+10% $915
Rate	-1.0pp $825	-0.5pp $789	base $752	+0.5pp $714	+1.0pp $676

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: $36,250
• Closing costs: $4,350
• Reserves months: —
• Total cash needed: —

Rent comps 7 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
2410 E Federal St Baltimore, MD	4.0	2.0	720	$2,200	$3.06	24d	1	0.63mi
1607 Hakesley Pl Baltimore, MD	3.0	1.0	720	$1,400	$1.94	44d	1	0.73mi
231 E North Ave Baltimore, MD	3.0	1.0	430	$1,200	$2.79	17d	3	1.08mi
1100 Greenmount Ave Baltimore, MD	1.0–3.0	1.0–2.0	839	$2,584	$3.08	3d	1	1.16mi
103 E Mt Royal Ave Baltimore, MD	1.0–3.0	1.0–2.0	850	$2,624	$3.09	2d	17	1.29mi
1301 Saint Paul St Baltimore, MD	3.0	1.0–3.0	1050	$2,399	$2.28	44d	1	1.34mi
500 N Rose St Baltimore, MD	3.0	2.0	520	$1,200	$2.31	5d	1	1.38mi

Listing history 43 events

1. 2026-06-21
   days on market $145,000 Active 143 DOM
2. 2026-06-18
   days on market $145,000 Active 140 DOM
3. 2026-06-17
   days on market $145,000 Active 139 DOM
4. 2026-06-16
   days on market $145,000 Active 138 DOM
5. 2026-06-15
   days on market $145,000 Active 137 DOM
6. 2026-06-13
   days on market $145,000 Active 135 DOM
7. 2026-06-09
   days on market $145,000 Active 131 DOM
8. 2026-06-08
   days on market $145,000 Active 130 DOM
9. 2026-06-07
   pricedays on market $145,000 Active 129 DOM
10. 2026-06-04
    days on market $149,900 Active 126 DOM
11. 2026-06-03
    days on market $149,900 Active 125 DOM
12. 2026-06-02
    days on market $149,900 Active 124 DOM
13. 2026-06-01
    days on market $149,900 Active 123 DOM
14. 2026-05-31
    days on market $149,900 Active 122 DOM
15. 2026-05-14
    price $149,900 774-char remark

    Show marketing remark (774 chars)

    Charming townhome with thoughtful updates throughout. Enjoy relaxing on the covered front porch or cooking in the pretty kitchen featuring a large island with stool seating, granite countertops, and stainless steel appliances, including a microwave range hood. A rear door from the kitchen leads to the privacy-fenced backyard, perfect for everyday use or casual entertaining. The upper level offers three bedrooms and a full hall bath. The finished lower level includes a full bathroom, wet bar, laundry area, and walk-out access to a private patio, plus an additional room ideal for a 4th bedroom, home office, or gym. Recent updates include new plumbing and a new HVAC system for added comfort and efficiency. Mortgage savings may be available for buyers of this listing.

16. 2026-04-06
    status Active 774-char remark

    Show marketing remark (774 chars)

    Charming townhome with thoughtful updates throughout. Enjoy relaxing on the covered front porch or cooking in the pretty kitchen featuring a large island with stool seating, granite countertops, and stainless steel appliances, including a microwave range hood. A rear door from the kitchen leads to the privacy-fenced backyard, perfect for everyday use or casual entertaining. The upper level offers three bedrooms and a full hall bath. The finished lower level includes a full bathroom, wet bar, laundry area, and walk-out access to a private patio, plus an additional room ideal for a 4th bedroom, home office, or gym. Recent updates include new plumbing and a new HVAC system for added comfort and efficiency. Mortgage savings may be available for buyers of this listing.

17. 2026-01-11
    status Pending 774-char remark

    Show marketing remark (774 chars)

    Charming townhome with thoughtful updates throughout. Enjoy relaxing on the covered front porch or cooking in the pretty kitchen featuring a large island with stool seating, granite countertops, and stainless steel appliances, including a microwave range hood. A rear door from the kitchen leads to the privacy-fenced backyard, perfect for everyday use or casual entertaining. The upper level offers three bedrooms and a full hall bath. The finished lower level includes a full bathroom, wet bar, laundry area, and walk-out access to a private patio, plus an additional room ideal for a 4th bedroom, home office, or gym. Recent updates include new plumbing and a new HVAC system for added comfort and efficiency. Mortgage savings may be available for buyers of this listing.

18. 2025-12-31
    price $154,900 774-char remark

    Show marketing remark (774 chars)

    Charming townhome with thoughtful updates throughout. Enjoy relaxing on the covered front porch or cooking in the pretty kitchen featuring a large island with stool seating, granite countertops, and stainless steel appliances, including a microwave range hood. A rear door from the kitchen leads to the privacy-fenced backyard, perfect for everyday use or casual entertaining. The upper level offers three bedrooms and a full hall bath. The finished lower level includes a full bathroom, wet bar, laundry area, and walk-out access to a private patio, plus an additional room ideal for a 4th bedroom, home office, or gym. Recent updates include new plumbing and a new HVAC system for added comfort and efficiency. Mortgage savings may be available for buyers of this listing.

19. 2025-12-03
    price $164,900 774-char remark

    Show marketing remark (774 chars)

    Charming townhome with thoughtful updates throughout. Enjoy relaxing on the covered front porch or cooking in the pretty kitchen featuring a large island with stool seating, granite countertops, and stainless steel appliances, including a microwave range hood. A rear door from the kitchen leads to the privacy-fenced backyard, perfect for everyday use or casual entertaining. The upper level offers three bedrooms and a full hall bath. The finished lower level includes a full bathroom, wet bar, laundry area, and walk-out access to a private patio, plus an additional room ideal for a 4th bedroom, home office, or gym. Recent updates include new plumbing and a new HVAC system for added comfort and efficiency. Mortgage savings may be available for buyers of this listing.

20. 2025-11-05
    listed $174,900 Active 774-char remark

    Show marketing remark (774 chars)

    Charming townhome with thoughtful updates throughout. Enjoy relaxing on the covered front porch or cooking in the pretty kitchen featuring a large island with stool seating, granite countertops, and stainless steel appliances, including a microwave range hood. A rear door from the kitchen leads to the privacy-fenced backyard, perfect for everyday use or casual entertaining. The upper level offers three bedrooms and a full hall bath. The finished lower level includes a full bathroom, wet bar, laundry area, and walk-out access to a private patio, plus an additional room ideal for a 4th bedroom, home office, or gym. Recent updates include new plumbing and a new HVAC system for added comfort and efficiency. Mortgage savings may be available for buyers of this listing.

21. 2023-08-03
    historical 582-char remark

    Show marketing remark (582 chars)

    ONLINE AUCTION: Bidding begins 6/27 @ 10:00 AM. Bidding ends 6/29 @ 11:30 PM. List Price is Suggested Opening Bid. Deposit: $5,000. This 2-story townhouse is located in the Darley Park area and is just minutes away from the Clifton Park Golf Course, offering a great recreational opportunity for residents. With 2 bedrooms, 1 full bathroom, and a full unfinished basement, this property provides ample space for customization to suit your preferences. Additionally, the major traffic artery MD Route 1 (E North Ave) is easily accessible from the property, making commuting a breeze.

22. 2023-08-03
    soldstatus $36,500 Closed 582-char remark

    Show marketing remark (582 chars)

    ONLINE AUCTION: Bidding begins 6/27 @ 10:00 AM. Bidding ends 6/29 @ 11:30 PM. List Price is Suggested Opening Bid. Deposit: $5,000. This 2-story townhouse is located in the Darley Park area and is just minutes away from the Clifton Park Golf Course, offering a great recreational opportunity for residents. With 2 bedrooms, 1 full bathroom, and a full unfinished basement, this property provides ample space for customization to suit your preferences. Additionally, the major traffic artery MD Route 1 (E North Ave) is easily accessible from the property, making commuting a breeze.

23. 2023-06-30
    status Pending 582-char remark

    Show marketing remark (582 chars)

    ONLINE AUCTION: Bidding begins 6/27 @ 10:00 AM. Bidding ends 6/29 @ 11:30 PM. List Price is Suggested Opening Bid. Deposit: $5,000. This 2-story townhouse is located in the Darley Park area and is just minutes away from the Clifton Park Golf Course, offering a great recreational opportunity for residents. With 2 bedrooms, 1 full bathroom, and a full unfinished basement, this property provides ample space for customization to suit your preferences. Additionally, the major traffic artery MD Route 1 (E North Ave) is easily accessible from the property, making commuting a breeze.

24. 2023-05-10
    listed $10,000 Active 582-char remark

    Show marketing remark (582 chars)

    ONLINE AUCTION: Bidding begins 6/27 @ 10:00 AM. Bidding ends 6/29 @ 11:30 PM. List Price is Suggested Opening Bid. Deposit: $5,000. This 2-story townhouse is located in the Darley Park area and is just minutes away from the Clifton Park Golf Course, offering a great recreational opportunity for residents. With 2 bedrooms, 1 full bathroom, and a full unfinished basement, this property provides ample space for customization to suit your preferences. Additionally, the major traffic artery MD Route 1 (E North Ave) is easily accessible from the property, making commuting a breeze.

25. 2015-06-09
    soldstatus $18,700 Sold
26. 2015-06-09
    soldstatus $18,700
27. 2015-04-14
    status Contract
28. 2015-03-24
    listed $10,000 Active
29. 2013-08-16
    soldstatus $9,000
30. 2013-08-16
    soldstatus $9,000 Sold
31. 2013-08-07
    status Contract
32. 2013-08-07
    historical
33. 2013-08-05
    status Active
34. 2013-03-09
    status Contract
35. 2012-08-27
    status Active
36. 2012-03-20
    status Contract
37. 2012-03-01
    listed $15,900 Active
38. 2012-03-01
    listed $15,900
39. 2007-12-21
    soldstatus $47,250
40. 2007-12-14
    soldstatus $47,250 Sold
41. 2007-11-27
    historical
42. 2007-10-16
    price $55,900
43. 2007-08-17
    listed $59,900

ⓘ 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: $728 · $61/mo
• Projected year-2 tax: $1,154 · $96/mo
• Expected delta: +$426/yr (+$36/mo · 58.5%)

ⓘ 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

Taxation est. · year 1

• Rental income: $24,813
• − Mortgage interest: −$8,122
• − Property taxes: −$728
• − Insurance: −$725
• − Repairs & maintenance: −$1,985
• − Management: −$1,985
• − Depreciation: −$4,218
• Taxable income: $7,049
• Est. tax owed @ 24.0%: −$1,692
• After-tax cash flow: $7,332/yr

For passive investors: Depreciation is non-cash, so a rental often shows a tax loss while cash-flowing — sheltering income. Rental losses are passive: they offset passive income freely, and up to $25,000/yr can offset ordinary (W-2) income if you actively participate and your MAGI is under $100k (phasing out to $0 by $150k); unused losses carry forward. On sale, claimed depreciation is recaptured at up to 25%, and gains may owe capital-gains tax (a 1031 exchange can defer both). Figures are a year-1 estimate at your 24.0% rate — not tax advice; consult a CPA.

Schools (NCES district)

• District: Baltimore City Public Schools
• NCES district ID: 2400090
• Math proficiency: 7% ▼ -9.00%
• Reading proficiency: 16% ▼ -5.00%
• Median HH income: $42,108
• Composite: 10.08/100
• National rank: #9805
• State rank: #24 of 24 in MD

Livability — Baltimore

• Score: 76/100
• State rank: #90
• US rank: #3396

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Baltimore, MD
• County: Baltimore City · 558,601 people
• City population: 588,727
• Metro: Baltimore-Columbia-Towson, MD
• Population (ZIP): 28,058
• Household income: $51,344
• Rent vs Own: 48.0% rent · 52.0% own
• Severe rent burden: 1868.0

Population outlook (Baltimore County) Hauer SSP2

• Today (2025): 624,249 people
• By 2030: 621,541 · -0.4%
• By 2040: 609,756 · -2.3%
• By 2050: 597,249 · -4.3%
• By 2075: 552,236 · -11.5%
• By 2100: 513,934 · -17.7%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly Black (86%)
• Race & ethnicity: Black 86% White 6% Hispanic / Latino 4% Two or more races 3%
• Foreign-born: 3% · Canada
• Languages at home: 96% English-only · Spanish 3%

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: ▼ -0.57%
• Current HPI: 427.4453
• Rent YoY: ▲ 5.25%
• 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

+150.3% since first listed

29 events — show timeline

• 2026-05-14 Price Changed $149,900 BRIGHT MLS
• 2026-04-06 Relisted — BRIGHT MLS
• 2026-01-11 Pending — BRIGHT MLS
• 2025-12-31 Price Changed $154,900 BRIGHT MLS
• 2025-12-03 Price Changed $164,900 BRIGHT MLS
• 2025-11-05 Listed $174,900 BRIGHT MLS
• 2023-08-03 Listing Removed — BRIGHT MLS
• 2023-08-03 Sold (MLS) $36,500 BRIGHT MLS
• 2023-06-30 Pending — BRIGHT MLS
• 2023-05-10 Listed $10,000 BRIGHT MLS
• 2015-06-09 Sold (MLS) $18,700 BRIGHT MLS
• 2015-06-09 Sold (MLS) $18,700 MRIS
• 2015-04-14 Pending — MRIS
• 2015-03-24 Listed $10,000 MRIS
• 2013-08-16 Sold (MLS) $9,000 MRIS
• 2013-08-16 Sold (MLS) $9,000 BRIGHT MLS
• 2013-08-07 Pending — MRIS
• 2013-08-07 Listing Removed — BRIGHT MLS
• 2013-08-05 Relisted — MRIS
• 2013-03-09 Pending — MRIS
• 2012-08-27 Relisted — MRIS
• 2012-03-20 Pending — MRIS
• 2012-03-01 Listed $15,900 MRIS
• 2012-03-01 Listed $15,900 BRIGHT MLS
• 2007-12-21 Sold (Public Records) $47,250 Public Records
• 2007-12-14 Sold (MLS) $47,250 MRIS
• 2007-11-27 Delisted — MRIS
• 2007-10-16 Price Changed $55,900 MRIS
• 2007-08-17 Listed $59,900 MRIS

Property tax history

+3.3%/yr

Latest (2025): $728 · +12.0% YoY. Source: county tax records.