2027 Englewood Ave · Woodlawn, MD 21207

$270,000

3 bd · 1.5 ba · 1,029 sqft · SingleFamily public records · 4 Days on market

Built 1933 5,504 sqft lot $262/sqft · 7% below area Est $290k · 7% under

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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).

• ARV discount +10.7/15.0
• Appreciation +9.8/10.0
• Cash flow +7.8/30.0
• Livability +3.9/5.0
• Rent growth +3.8/5.0
• Condition / age +2.5/5.0
• Schools +2.3/10.0
• DSCR +1.8/10.0
• 1% rule +1.7/10.0

Listing remarks

Stunning, modern, 4BR/2.5BA expanded Cape located on a spacious lot in the quiet neighborhood. Parking is available in the unpaved driveway, which leads to the beautiful front deck and open the door to your forever home. Step into a modern luxury interior that creates the open floor plan homeowners seek. This space includes luxury flooring, new carpeting, recessed lighting, glamorous lighting fixtures, and tons of natural light. The main floor features a large living room, a dining room, and a stunning kitchen. The kitchen features mixed metals as accents throughout, boasting plenty of cabinets, stainless steel appliances, sleek quartz countertops a deep stainless sink under a window, and a

Key facts

• Open floor plan
• Front deck
• Spacious lot

Tags

• EXPANDED CAPE
• SPACIOUS LOT
• UNPAVED DRIVEWAY
• FRONT DECK
• MODERN LUXURY INTERIOR
• OPEN FLOOR PLAN

Property features AI

Exterior

• Parking: Off-street parking
• Utilities: Public water; Public sewer; Electric hot water
• Home design: Detached property
• Construction: Shingle siding; Shingle/composite roof; Block foundation; Unfinished basement (below grade)
• Exterior features: Balcony; Below-grade and above-grade structures

Interior

• Kitchen: Gas range/oven; Range hood; Dishwasher; Refrigerator; Stainless steel appliances
• Bedrooms: One bedroom on the main level; Two bedrooms on the first upper level
• Flooring: Wood floors
• Bathrooms: Two full bathrooms (all upper levels); One half bathroom on the main level
• Heating & cooling: Hot water heating; Electric heating fuel; Electric cooling (other type)
• Interior features: Open floor plan; Breakfast area; Dining area; Ceiling fans; Recessed lighting; Master bathroom; Walk-in shower; Tub/shower combination; Wood floors
• Laundry & utility: Washer and dryer; Laundry on lower floor

What this means for you Summary

Snapshot

• This is a 3-bed/1.5-bath single-family listed at $270k.

Deal economics

• At list price, monthly cash flow is $-361 ($-4k/yr) — negative.
• To cash-flow at today's rent, offer at most $206k (23.6% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $181k (33.1% below list).
• Recommended offer: $181k (33.1% below list) — sets the bar for 1% rule.

Location & tenants

• Location reads 77/100 on livability (#78 in MD, #2,926 nationally) — a middle-class / working-renter tenant base. Strengths: commute A+, housing A+, employment A-; Watch: amenities D+, 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: Campfield Early Childhood Center (352 students, 62% FRL); Woodlawn Middle (math 6% / reading 26%, grade F, #183 of 225 statewide, top 84%, 633 students, 67% FRL); Woodlawn High (math 4% / reading 27%, grade F, #184 of 222 statewide, top 83%, 1,815 students, 63% FRL) — zoned schools average 64% FRL vs 39% district-wide (25 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Market conditions: Rents rising fast (+5.2%/yr); 131 active listings in the ZIP; 17 comparable units currently listed for rent nearby; rentals leasing fast (median 5d on market — plan ~1-2 weeks tenant-placement turnaround); 1,511 units permitted in Baltimore County in 2024 (643 in 5+ unit buildings).
• This rent runs 32% of the median local income ($67k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.

Forward outlook

• In year one you build about $28k of equity ($2k loan paydown + $26k appreciation (9.5% local appreciation)).
• Baltimore County population projected at +12% by 2050 — modest demand growth; plan on rents tracking national, not racing it.
• By year 2, paydown + projected appreciation supports a ~$44k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• Only 4 days on market — expect competitive offers; lowballing is unlikely to land.
• 6 sale attempts since 30y 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: flood insurance adds $56/mo; built in 1933 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: major flood risk; extreme-heat days projected 7→15/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $180,651 (33.1% below list)

Questions for the listing agent

1. What do current leases actually rent for vs. the listed asking? Can we see a recent rent roll and the last 12 months of T-12 income?
2. Built in 1933 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. What's the actual annual flood-insurance premium (NFIP or private), and is the property in a SFHA with mandatory coverage?
4. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
5. 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?
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. 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?
8. 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.
9. 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.
10. 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: 0.67% ✗
• Cap rate: 4.94%
• Cash-on-cash: -4.84%
• DSCR: 0.78
• GRM: 12.5

CMA / ARV

• ARV (median comp): $290,428
• List price: $270,000
• Delta: -7.03%
• Verdict: FAIR
• Comps: 20 within 1.0 mi

Show comp detail 5 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
2027 Englewood Ave	0.00mi	3/2.5	1,029 (0%)	0mo	$285,000	$277	96
1918 Summit Ave	0.43mi	3/1.5	1,028 (-0%)	1mo	$206,000	$200	79
6440 Lehnert St	0.30mi	3/2.0	1,063 (+3%)	7mo	$269,900	$254	73
2004 Royal Court Dr	0.43mi	3/1.5	1,106 (+8%)	20mo	$240,000	$217	51
2023 Featherbed Ln	0.72mi	4/2.0 (+1)	976 (-5%)	23mo	$300,000	$307	32

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

Projected returns pro-forma

9.5% appreciation · 5.23% rent growth · sell at horizon

5-year hold

• IRR: 19.7%
• Equity multiple: 2.57×
• Total profit: $118,993
• Equity at exit: $233,444

10-year hold

• IRR: 18.6%
• Equity multiple: 5.97×
• Total profit: $375,434
• Equity at exit: $493,362

Cash invested: $75,600 (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 21207

• Home prices YoY: 1.1%
• Rents YoY: 5.2%
• Active inventory: 131
• Price-to-rent: 12.5×

Monthly cashflow live

• Estimated rent: $1,807 high
• Mortgage (P&I): −$1,416
• Tax from tax record: −$204 /mo · $2,447/yr
• Insurance: −$112
• Flood insurance flood zone: −$56 /mo · $666/yr
• HOA: −$0
• Vacancy / Maint / Mgmt: −$379
• Net cashflow: $-361

Break-even live

Break-even rent $2,263

Max offer price $206,281

Occupancy floor —

Sensitivity live

Price	-10% $-208	-5% $-284	+0% $-361	+5% $-437	+10% $-514
Rent	-10% $-503	-5% $-432	+0% $-361	+5% $-289	+10% $-218
Rate	-1.0pp $-225	-0.5pp $-292	base $-361	+0.5pp $-431	+1.0pp $-502

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: $67,500
• Closing costs: $8,100
• Reserves months: —
• Total cash needed: —

Rent comps 17 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
6330 Windsor Mill Rd Woodlawn, MD	3.0	1.0	1200	$1,600	$1.33	45d	1	0.07mi
2008 Woodlawn Dr Woodlawn, MD	1.0–2.0	1.0–2.0	685	$1,739	$2.54	0d	13	0.19mi
1 Duke of Windsor Ct Gwynn Oak, MD	1.0–3.0	1.0–2.0	775	$1,984	$2.56	0d	21	0.42mi
2 Mountbatten Ct Gwynn Oak, MD	3.0	2.0	1000	$2,200	$2.20	5d	1	0.47mi
6463 Woodgreen Cir Gwynn Oak, MD	3.0	2.5	1230	$1,900	$1.54	19d	1	0.71mi
1 Kafern Dr Gwynn Oak, MD	1.0–3.0	1.0–2.0	765	$1,809	$2.36	4d	8	0.74mi
1 Janper Ct Baltimore, MD	2.0	1.5	950	$1,575	$1.66	0d	2	0.89mi
5533 Gwynn Oak Ave Fl 1 Gwynn Oak, MD	2.0	1.0	1080	$1,600	$1.48	45d	1	0.99mi
3101 Windsor Blvd Gwynn Oak, MD	1.0–2.0	1.0–2.0	843	$1,755	$2.08	0d	49	1.06mi
4998 W Forest Park Ave Baltimore, MD	3.0	1.0–2.0	790	$1,875	$2.37	16d	15	1.09mi
5215 Muth Ave Gwynn Oak, MD	3.0	3.0	1205	$2,700	$2.24	16d	1	1.19mi
1729 Champlain Dr Woodlawn, MD	2.0	1.0	614	$1,574	$2.56	0d	10	1.21mi
6226 Robin Hill Rd Gwynn Oak, MD	3.0	1.5	1140	$2,850	$2.50	18d	1	1.25mi
2 Walden Birch Ct Woodlawn, MD	3.0	1.5	1022	$1,792	$1.75	6d	1	1.31mi
5136 Oaklawn Rd Gwynn Oak, MD	1.0–3.0	1.0	896	$1,715	$1.91	0d	21	1.35mi
1546 Ingleside Ave Woodlawn, MD	1.0–2.0	1.0	820	$1,600	$1.95	0d	3	1.39mi
3601 Parkview Ave Gwynn Oak, MD	2.0	1.0	849	$1,416	$1.67	0d	6	1.48mi

Listing history 16 events

1. 2026-05-11
   status Pending 1526-char remark
2. 2026-05-07
   status Active
3. 2026-05-07
   listed $270,000 Active 1526-char remark
4. 2026-05-07
   historical
5. 2026-04-14
   historical
6. 2026-04-14
   listed $270,000 Active
7. 2026-03-23
   historical
8. 2026-03-16
   soldstatus $120,000
9. 2000-12-26
   historical
10. 1999-06-08
    listed
11. 1997-04-29
    historical
12. 1996-10-21
    historical
13. 1996-09-23
    listed
14. 1996-09-23
    listed
15. 1994-03-31
    soldstatus $74,300
16. 1986-12-11
    soldstatus $57,500

ⓘ 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: $2,447 · $204/mo
• Projected year-2 tax: $2,695 · $225/mo
• Expected delta: +$248/yr (+$21/mo · 10.1%)

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

Climate risk First Street

• 🌊 Flood 7/10 Severe FEMA zone X (unshaded) · 99% chance over 30 yrs
• 🔥 Wildfire 1/10 Low
• 🌡 Heat 7/10 Severe 7 d/yr ≥104°F today · 15 d/yr by 30 yrs out
• 💨 Wind 4/10 Moderate 18% chance of damaging wind over 30 yrs
• 🫁 Air quality 3/10 Moderate 3 unhealthy d/yr today · 4 by 30 yrs out

Taxation est. · year 1

• Rental income: $21,678
• − Mortgage interest: −$15,124
• − Property taxes: −$2,447
• − Insurance: −$2,016
• − Repairs & maintenance: −$1,734
• − Management: −$1,734
• − Depreciation: −$7,855
• Taxable loss: −$9,232
• Est. tax savings @ 24.0%: +$2,216
• After-tax cash flow: $-2,113/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 — Woodlawn

• Score: 77/100
• State rank: #78
• US rank: #2926

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Woodlawn, MD
• County: Baltimore County · 769,527 people
• City population: 49,599
• Metro: Baltimore-Columbia-Towson, MD
• Population (ZIP): 47,099
• Household income: $67,060
• Rent vs Own: 39.3% rent · 60.7% own
• Severe rent burden: 2139.0

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: Predominantly Black (78%)
• Race & ethnicity: Black 78% White 8% Hispanic / Latino 7% Two or more races 5% Asian 3%
• Hispanic origin (detail): Puerto Rican 1%
• Common ancestry: Swedish 1%
• Foreign-born: 13% · Canada, Philippines, South Korea
• Languages at home: 86% English-only · Spanish 4% French/Haitian/Cajun 1% Other Asian/Pacific 1%

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: ▲ 9.50%
• Current HPI: 843.63
• Rent YoY: ▲ 5.23%
• 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

+395.7% since first listed

17 events — show timeline

• 2026-06-11 Sold (MLS) $285,000 BRIGHT MLS
• 2026-05-11 Pending — BRIGHT MLS
• 2026-05-07 Relisted — BRIGHT MLS
• 2026-05-07 Listing Removed — BRIGHT MLS
• 2026-05-07 Listed $270,000 BRIGHT MLS
• 2026-04-14 Listing Removed — BRIGHT MLS
• 2026-04-14 Listed $270,000 BRIGHT MLS
• 2026-03-23 Coming Soon — BRIGHT MLS
• 2026-03-16 Sold (Public Records) $120,000 Public Records
• 2000-12-26 Delisted — MRIS
• 1999-06-08 Listed — MRIS
• 1997-04-29 Delisted — MRIS
• 1996-10-21 Delisted — MRIS
• 1996-09-23 Listed — MRIS
• 1996-09-23 Listed — MRIS
• 1994-03-31 Sold (Public Records) $74,300 Public Records
• 1986-12-11 Sold (Public Records) $57,500 Public Records

Property tax history

+3.0%/yr

Latest (2025): $2,447 · +6.0% YoY. Source: county tax records.