211 E Lillian St · Hebron, MD 21830

$149,900

4 bd · 1.0 ba · 1,204 sqft · SingleFamily public records · 40 Days on market

Built 1915 0.44 ac lot $125/sqft · 43% below area Est $263k · 43% under

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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 +25.9/30.0
• ARV discount +15.0/15.0
• DSCR +8.7/10.0
• 1% rule +6.0/10.0
• Livability +3.3/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Schools +1.9/10.0
• Appreciation +0.0/10.0

Listing remarks

1915 farmhouse located within the town limits of Hebron, MD, situated on nearly half an acre. Property includes a rare additional cleared and fully fenced lot behind the home, offering added usable space not often found in town. The home features 4 bedrooms, including one on the first floor, along with a functional layout and a large kitchen with a new stainless steel refrigerator. There is room to update and improve, making it a solid option for buyers looking to add value. Attached 3-car garage/shop space provides ample room for storage, vehicles, or workspace. The home has a newer roof. The property also includes multiple storage sheds for additional storage needs. A unique opportunity f

Key facts

• 0.44 acre lot
• 3 garage spots
• Built 1915

Property features AI

Finance

• Other: Fee simple ownership; Not in a federal flood zone; Property noted as below average condition / major rehab needed; Additional lot address: 212 Bradley St (directly behind the parcel)

Exterior

• Parking: Attached oversized garage with side entry and additional storage (3 garage spaces)
• Utilities: Public water; Public sewer; Oil heating and oil hot water; Propane available; Cable and phone available; Cable internet service; Municipal trash service
• Home design: Detached single-family home; Traditional structure
• Construction: Aluminum siding; Stick-built construction; Architectural shingle and metal roof; Pillar/post/pier foundation; Wood-frame and storm windows
• Exterior features: Outbuilding(s) / shed; Sidewalks; Additional lot(s) (additional parcel behind the home)

Interior

• Kitchen: Built-in range; Wall oven; Refrigerator; Freezer; Extra refrigerator/freezer; Dishwasher; Exhaust fan
• Bedrooms: Three bedrooms on the upper level; One main-level bedroom (entry-level)
• Flooring: Wood floors; Carpet
• Bathrooms: One full bathroom on the main level; One full bathroom (total)
• Heating & cooling: Baseboard hot water heating; Oil-fired hot water
• Interior features: Traditional floor plan with family room off the kitchen; Eat-in kitchen; Dining area; Attic; Tub shower; Ceiling fan(s); Wood floors; Carpeted areas
• Laundry & utility: Washer; Dryer; Has laundry

What this means for you Summary

Snapshot

• This is a 4-bed/1.0-bath single-family listed at $150k.

Deal economics

• At list price, monthly cash flow is $369 ($4k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $150k).
• Recommended offer: $145k (3.0% below list) — sets the bar for market timing.

Location & tenants

• Location reads 66/100 on livability (#243 in MD) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, crime A-; Watch: employment D, amenities F, commute F.
• Wicomico County Public Schools (urban): math 16% / reading 26% proficiency, ranked #19 of 24 in MD (top 79%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover.
• Zoned schools: Westside Primary (192 students, 42% FRL); Mardela Middle & High (math 19% / reading 48%, grade F, #148 of 222 statewide, top 67%, 691 students, 43% FRL).
• Zoned-school proficiency averages 34% at this address vs 21% district-wide (+12 pts) — the actual schools serving this property are materially stronger than the Wicomico County Public Schools average implies; a family-tenant draw the district grade alone would hide.
• Market conditions: 16 active listings in the ZIP; 278 units permitted in Wicomico County in 2024 (44 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 $4k of value loss. Plan a longer hold.
• Wicomico County population projected at +14% by 2050 — modest demand growth; plan on rents tracking national, not racing it.

Negotiation context

• It's been on market 40 days — a 3% lower offer ($145k) is reasonable based on typical stale-listing flexibility.

Risks & watch-outs

• Watch-outs: built in 1915 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: major wind risk, 76% chance of damaging wind over 30y; extreme-heat days projected 7→16/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $145,403 (3.0% below list)

Questions for the listing agent

1. It's been on market 40 days. Have you received any prior offers? Is the seller open to a 3% concession, seller financing, or rate buy-down credit?
2. Built in 1915 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. 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.
5. 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.
6. 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: 1.10% ✓
• Cap rate: 9.24%
• Cash-on-cash: 10.54%
• DSCR: 1.47
• GRM: 7.6

CMA / ARV

• ARV (median comp): $263,260
• List price: $149,900
• Delta: -43.06%
• Verdict: UNDERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 5 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
210 Bradley St	0.03mi	3/2.0 (-1)	1,248 (+4%)	0mo	$275,000	$220	83
113 E Church St	0.12mi	3/2.0 (-1)	1,232 (+2%)	11mo	$255,000	$207	72
100 Chestnut Tree Rd	0.34mi	3/1.0 (-1)	1,120 (-7%)	23mo	$190,000	$170	48
7955 Belle Ave	0.41mi	3/1.0 (-1)	1,106 (-8%)	18mo	$145,000	$131	47
305 Autumn Ridge Dr	0.40mi	3/2.0 (-1)	1,340 (+11%)	20mo	$279,900	$209	36

Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.

Projected returns pro-forma

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

5-year hold

• IRR: -0.5%
• Equity multiple: 0.98×
• Total profit: $-841
• Equity at exit: $22,351

10-year hold

• IRR: 9.1%
• Equity multiple: 1.70×
• Total profit: $29,364
• Equity at exit: $12,961

Cash invested: $41,972 (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 21830

• Home prices YoY: -7.9%
• Active inventory: 16
• Price-to-rent: 7.6×

Monthly cashflow live

• Estimated rent: $1,654 medium
• Mortgage (P&I): −$786
• Tax from tax record: −$89 /mo · $1,068/yr
• Insurance: −$62
• HOA: −$0
• Vacancy / Maint / Mgmt: −$347
• Net cashflow: $369

Break-even live

Break-even rent $1,187

Max offer price $149,900

Occupancy floor 73%

Sensitivity live

Price	-10% $454	-5% $411	+0% $369	+5% $326	+10% $284
Rent	-10% $238	-5% $303	+0% $369	+5% $434	+10% $499
Rate	-1.0pp $444	-0.5pp $407	base $369	+0.5pp $330	+1.0pp $290

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: $37,475
• Closing costs: $4,497
• Reserves months: —
• Total cash needed: —

Listing history 19 events

1. 2026-06-23
   days on market $149,900 Active 40 DOM
2. 2026-06-21
   days on market $149,900 Active 39 DOM
3. 2026-06-18
   days on market $149,900 Active 36 DOM
4. 2026-06-17
   days on market $149,900 Active 35 DOM
5. 2026-06-16
   days on market $149,900 Active 34 DOM
6. 2026-06-15
   days on market $149,900 Active 33 DOM
7. 2026-06-14
   days on market $149,900 Active 31 DOM
8. 2026-06-13
   days on market $149,900 Active 30 DOM
9. 2026-06-10
   days on market $149,900 Active 28 DOM
10. 2026-06-09
    days on market $149,900 Active 27 DOM
11. 2026-06-08
    days on market $149,900 Active 26 DOM
12. 2026-06-07
    days on market $149,900 Active 25 DOM
13. 2026-06-03
    days on market $149,900 Active 21 DOM
14. 2026-06-02
    days on market $149,900 Active 20 DOM
15. 2026-06-01
    days on market $149,900 Active 19 DOM
16. 2026-05-31
    days on market $149,900 Active 18 DOM
17. 2026-05-30
    days on market $149,900 Active 17 DOM
18. 2026-05-14
    listed $149,900 Active 823-char remark
19. 2026-05-05
    historical $149,900 823-char remark

ⓘ 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: $1,068 · $89/mo
• Projected year-2 tax: $1,351 · $113/mo
• Expected delta: +$283/yr (+$24/mo · 26.5%)

ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.

Climate risk First Street

• 🌊 Flood 3/10 Moderate FEMA zone X (unshaded) · 20% chance over 30 yrs
• 🔥 Wildfire 3/10 Moderate
• 🌡 Heat 8/10 Severe 7 d/yr ≥105°F today · 16 d/yr by 30 yrs out
• 💨 Wind 7/10 Severe 76% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 2 unhealthy d/yr today · 2 by 30 yrs out

Taxation est. · year 1

• Rental income: $19,843
• − Mortgage interest: −$8,397
• − Property taxes: −$1,068
• − Insurance: −$750
• − Repairs & maintenance: −$1,587
• − Management: −$1,587
• − Depreciation: −$4,361
• Taxable income: $2,093
• Est. tax owed @ 24.0%: −$502
• After-tax cash flow: $3,923/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: Wicomico County Public Schools
• NCES district ID: 2400690
• Math proficiency: 16% ▼ -18.00%
• Reading proficiency: 26% ▼ -13.00%
• Median HH income: $51,745
• Composite: 18.87/100
• National rank: #8860
• State rank: #19 of 24 in MD

Livability — Hebron

• Score: 66/100
• State rank: #243
• US rank: #12011

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Hebron, MD
• Population (ZIP): 5,001

Population outlook (Wicomico County) Hauer SSP2

• Today (2025): 108,548 people
• By 2030: 111,783 · +3.0%
• By 2040: 118,139 · +8.8%
• By 2050: 123,641 · +13.9%
• By 2075: 139,784 · +28.8%
• By 2100: 145,334 · +33.9%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (80%)
• Race & ethnicity: White 80% Black 14% Two or more races 5% Hispanic / Latino 3%
• Common ancestry: Italian 2% Slovak 1% Romanian 1%
• Foreign-born: 2% · Canada
• Languages at home: 98% English-only · Spanish 2%

Political lean MEDSL · Wicomico

• 2024 margin: Lean R (+5.5) · D 46.1% · R 51.5% · Other 2.4%
• 2008→2024 swing: +0.3pp no change · 2008: -5.8pp · 2024: -5.5pp
• All cycles: 2024: R+5.5 2020: R+1.9 2016: R+11.6 2012: R+6.9 2008: R+5.8

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -21.00%
• Current HPI: 243.8866
• 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

+0.0% since first listed

2 events — show timeline

• 2026-05-14 Listed $149,900 BRIGHT MLS
• 2026-05-05 Coming Soon $149,900 BRIGHT MLS

Property tax history

+1.1%/yr

Latest (2025): $1,068 · +1.4% YoY. Source: county tax records.