7812 Wynbrook Rd · Dundalk, MD 21224

$150,000

2 bd · 1.0 ba · 1,024 sqft · Townhouse public records · 26 Days on market

Built 1952 2,652 sqft lot Est $164k · 8% under

---

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 +25.9/30.0
• ARV discount +11.3/15.0
• DSCR +8.7/10.0
• 1% rule +7.2/10.0
• Livability +4.2/5.0
• Rent growth +2.8/5.0
• Condition / age +2.5/5.0
• Schools +2.3/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

End of group townhome with off street parking in the rear with a large concrete parking pad. Home is close to shopping, schools, public transportation and major highways. Property is being sold ~as is~ and is subject to HUD Guidelines 24 CFR 206.125

Key facts

• Private rear parking
• Open-concept kitchen
• Covered rear deck

Tags

• OPEN-CONCEPT KITCHEN
• FINISHED WALKOUT BASEMENT
• COVERED REAR DECK
• PRIVATE REAR PARKING
• END-UNIT LOCATION
• ADDITIONAL OUTDOOR SPACE

Property features AI

Finance

• Other: Ownership interest: Ground Rent
• Financial info: Ground rent exists; payments semi-annually ($96); Total below-grade area 512 (source: assessor); Above-grade finished area 1,024 (source: assessor); Unfinished below-grade area 512 (source: assessor)

Exterior

• Parking: Off-street parking
• Utilities: Public water; Public sewer
• Home design: End of row/townhouse
• Construction: Brick construction; Block foundation; Shingle/composite roof; Built (year source: assessor)
• Exterior features: End-of-row townhouse setting; Above-grade and below-grade exterior structures

Interior

• Bedrooms: Two bedrooms on the first upper level
• Bathrooms: One full bathroom on the upper level; One half bathroom on the main level
• Heating & cooling: Forced air heating (natural gas); Central air conditioning (electric)
• Interior features: Partially finished basement with daylight windows and rear entrance; Connecting stairway to basement

What this means for you Summary

Snapshot

• This is a 2-bed/1.0-bath townhouse listed at $150k.

Deal economics

• At list price, monthly cash flow is $368 ($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: $148k (1.5% below list) — sets the bar for market timing.
• Cap rate 9.2% vs local median 6.1% in Dundalk — 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 85/100 on livability (#16 in MD, #510 nationally) — a professional / high-income tenant draw. Strengths: amenities A+, commute A+, housing A+; Watch: 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: Colgate Elementary (math 7% / reading 10%, grade F, #664 of 860 statewide, top 78%, 502 students, 71% FRL); Holabird Middle (math 4% / reading 19%, grade F, #205 of 225 statewide, top 92%, 912 students, 65% FRL); Dundalk High (math 5% / reading 33%, grade F, #177 of 222 statewide, top 80%, 2,193 students, 62% FRL) — zoned schools average 66% FRL vs 39% district-wide (27 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Market conditions: Rents rising (+1.3%/yr); 393 active listings in the ZIP; 37 comparable units currently listed for rent nearby; rentals at typical pace (median 26d on market — plan ~3-4 weeks tenant-placement turnaround); solid renter incomes; 1,511 units permitted in Baltimore County in 2024 (643 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.
• Baltimore County population projected at +12% by 2050 — modest demand growth; plan on rents tracking national, not racing it.

Negotiation context

• It's been on market 26 days — a 2% lower offer ($148k) is reasonable based on typical stale-listing flexibility.
• 3 sale attempts since 13y 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: built in 1952 — 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 $147,750 (1.5% below list)

Questions for the listing agent

1. Built in 1952 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
2. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
3. Schools are A-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?
4. 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?
5. 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.
6. 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.
7. 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: 1.22% ✓
• Cap rate: 9.24%
• Cash-on-cash: 10.52%
• DSCR: 1.47
• GRM: 6.9

CMA / ARV

• ARV (on-the-fly): $163,840
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
7944 Lansdale Rd	0.21mi	3/1.0 (+1)	1,024 (0%)	4mo	$137,200	$134	82
8048 Eastdale Rd	0.32mi	3/1.0 (+1)	1,024 (0%)	1mo	$135,000	$132	79
7911 Bank St	0.22mi	3/1.0 (+1)	1,080 (+6%)	5mo	$140,000	$130	72
7279 Gough St	0.42mi	2/1.5	996 (-3%)	4mo	$137,800	$138	70
7806 Eastdale Rd	0.05mi	2/1.0	896 (-12%)	10mo	$165,000	$184	69
7820 Wynbrook Rd	0.01mi	3/2.0 (+1)	896 (-12%)	3mo	$151,200	$169	67
7756 Wynbrook Rd	0.05mi	2/1.0	1,171 (+14%)	9mo	$169,900	$145	66
7304 Stratton Way	0.37mi	3/1.5 (+1)	1,080 (+6%)	5mo	$215,000	$199	62
7169 Eastbrook Ave	0.45mi	3/2.0 (+1)	996 (-3%)	7mo	$230,000	$231	60
8022 Lansdale Rd	0.29mi	2/2.0	1,120 (+9%)	9mo	$189,000	$169	59
7230 Conley St	0.51mi	3/1.5 (+1)	1,144 (+12%)	7mo	$180,000	$157	44
412 Overview Ave	0.59mi	3/2.0 (+1)	1,124 (+10%)	5mo	$180,000	$160	43

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 · 1.31% rent growth · sell at horizon

5-year hold

• IRR: -2.5%
• Equity multiple: 0.91×
• Total profit: $-3,854
• Equity at exit: $22,365

10-year hold

• IRR: 5.2%
• Equity multiple: 1.36×
• Total profit: $14,946
• Equity at exit: $12,969

Cash invested: $42,000 (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 21224

• Rents YoY: 1.3%
• Active inventory: 393
• Price-to-rent: 6.9×

Monthly cashflow live

• Estimated rent: $1,824 high
• Mortgage (P&I): −$787
• Tax from tax record: −$224 /mo · $2,685/yr
• Insurance: −$62
• HOA: −$0
• Vacancy / Maint / Mgmt: −$383
• Net cashflow: $368

Break-even live

Break-even rent $1,358

Max offer price $150,000

Occupancy floor 75%

Sensitivity live

Price	-10% $453	-5% $411	+0% $368	+5% $326	+10% $283
Rent	-10% $224	-5% $296	+0% $368	+5% $440	+10% $512
Rate	-1.0pp $444	-0.5pp $406	base $368	+0.5pp $329	+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: $37,500
• Closing costs: $4,500
• Reserves months: —
• Total cash needed: —

Rent comps 37 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
309 52nd St Unit A Baltimore, MD	2.0	1.0	722	$1,350	$1.87	25d	1	0.06mi
7915 Eastdale Rd Baltimore, MD	2.0	1.0	896	$1,500	$1.67	45d	1	0.12mi
7716 Wynbrook Rd Baltimore, MD	2.0	1.0	1232	$1,800	$1.46	45d	1	0.13mi
7948 Eastdale Rd Baltimore, MD	3.0	1.0	1024	$1,700	$1.66	45d	1	0.18mi
7951 E Baltimore St Baltimore, MD	3.0	1.0	1024	$1,750	$1.71	3d	1	0.19mi
7911 Bank St Baltimore, MD	3.0	1.0	1080	$1,749	$1.62	45d	1	0.21mi
8036 Lansdale Rd Unit 1 Baltimore, MD	3.0	1.0	1024	$1,750	$1.71	0d	1	0.27mi
505 Northpoint Rd Baltimore, MD	3.0	2.0	1300	$2,195	$1.69	13d	1	0.32mi
608 Northpoint Rd Baltimore, MD	3.0	1.5	1148	$1,895	$1.65	25d	1	0.39mi
7325 Conley St Baltimore, MD	3.0	2.0	1290	$1,950	$1.51	19d	1	0.40mi
7319 Conley St Baltimore, MD	3.0	2.0	1080	$1,950	$1.81	19d	1	0.41mi
7261 Bridgewood Dr Baltimore, MD	3.0	2.0	896	$2,495	$2.78	25d	1	0.46mi
7230 Conley St Unit 1 Baltimore, MD	3.0	1.5	1144	$2,100	$1.84	25d	1	0.53mi
7230 Conley St Unit 1 Baltimore, MD	3.0	1.5	1144	$2,100	$1.84	5d	1	0.53mi
7517 Belmont Ave Baltimore, MD	2.0	1.0	720	$1,800	$2.50	19d	1	0.58mi
7058 Eastbrook Ave Baltimore, MD	3.0	2.0	1228	$1,700	$1.38	13d	1	0.63mi
7124 Gough St Baltimore, MD	2.0	1.5	1096	$1,700	$1.55	23d	1	0.68mi
932 Elton Ave Baltimore, MD	3.0	2.0	1024	$1,950	$1.90	19d	1	0.69mi
944 Dalton Ave Baltimore, MD	3.0	2.0	1024	$2,100	$2.05	12d	1	0.71mi
530 47th St Baltimore, MD	3.0	1.0	1424	$1,695	$1.19	0d	1	0.88mi
7444 Berkshire Rd Baltimore, MD	3.0	1.5	1228	$1,850	$1.51	6d	1	0.89mi
6802 Conley St Baltimore, MD	2.0	1.5	939	$1,750	$1.86	23d	1	0.91mi
6905 Bank St Baltimore, MD	2.0	1.5	784	$1,650	$2.10	45d	1	0.91mi
7520 Durwood Rd Dundalk, MD	3.0	1.0	1110	$2,100	$1.89	45d	1	1.03mi
630 47th St Unit B Baltimore, MD	2.0	1.0	750	$1,200	$1.60	45d	1	1.08mi
628 47th St Apt RW2 Baltimore, MD	2.0	1.0	750	$1,200	$1.60	12d	1	1.08mi
7484 Rabon Ave Dundalk, MD	3.0	1.5	1499	$2,000	$1.33	45d	1	1.09mi
849 Loalan Ave Dundalk, MD	3.0	1.5	1024	$1,850	$1.81	16d	1	1.19mi
334 Kane St Baltimore, MD	2.0	2.0	1050	$1,675	$1.60	25d	1	1.21mi
416 Hornel St Unit 2 Baltimore, MD	2.0	1.0	1470	$1,400	$0.95	25d	1	1.38mi
363 Gusryan St Baltimore, MD	2.0	2.0	840	$1,950	$2.32	14d	1	1.38mi
338 Gusryan St Baltimore, MD	2.0	1.5	1218	$1,700	$1.40	25d	1	1.39mi
340 Gusryan St Baltimore, MD	3.0	2.0	1300	$2,500	$1.92	45d	1	1.40mi
328 Folcroft St Baltimore, MD	3.0	2.0	1460	$2,300	$1.58	25d	1	1.44mi
434 Folcroft St Unit A Baltimore, MD	3.0	1.5	1260	$1,500	$1.19	45d	1	1.48mi
442 Folcroft St Unit A Baltimore, MD	2.0	1.5	1071	$1,600	$1.49	5d	1	1.48mi
421 Elrino St Unit B Baltimore, MD	1.0	1.0	750	$995	$1.33	25d	1	1.49mi

Listing history 18 events

1. 2026-06-15
   statusdays on market $150,000 Pending 26 DOM
2. 2026-06-13
   days on market $150,000 Active 25 DOM
3. 2026-06-09
   days on market $150,000 Active 21 DOM
4. 2026-06-08
   days on market $150,000 Active 20 DOM
5. 2026-06-07
   days on market $150,000 Active 19 DOM
6. 2026-06-04
   days on market $150,000 Active 16 DOM
7. 2026-06-03
   days on market $150,000 Active 15 DOM
8. 2026-06-02
   days on market $150,000 Active 14 DOM
9. 2026-06-01
   days on market $150,000 Active 13 DOM
10. 2026-05-31
    days on market $150,000 Active 12 DOM
11. 2026-05-19
    listed $150,000 Active
12. 2022-03-18
    soldstatus $135,000
13. 2013-09-25
    soldstatus $62,000 Sold 249-char remark

    Show marketing remark (249 chars)

    End of group townhome with off street parking in the rear with a large concrete parking pad. Home is close to shopping, schools, public transportation and major highways. Property is being sold ~as is~ and is subject to HUD Guidelines 24 CFR 206.125

14. 2013-09-25
    soldstatus $62,000 249-char remark

    Show marketing remark (249 chars)

    End of group townhome with off street parking in the rear with a large concrete parking pad. Home is close to shopping, schools, public transportation and major highways. Property is being sold ~as is~ and is subject to HUD Guidelines 24 CFR 206.125

15. 2013-09-03
    status Contract 249-char remark

    Show marketing remark (249 chars)

    End of group townhome with off street parking in the rear with a large concrete parking pad. Home is close to shopping, schools, public transportation and major highways. Property is being sold ~as is~ and is subject to HUD Guidelines 24 CFR 206.125

16. 2013-08-30
    historical 249-char remark

    Show marketing remark (249 chars)

    End of group townhome with off street parking in the rear with a large concrete parking pad. Home is close to shopping, schools, public transportation and major highways. Property is being sold ~as is~ and is subject to HUD Guidelines 24 CFR 206.125

17. 2013-08-23
    listed $62,000 Active 249-char remark

    Show marketing remark (249 chars)

    End of group townhome with off street parking in the rear with a large concrete parking pad. Home is close to shopping, schools, public transportation and major highways. Property is being sold ~as is~ and is subject to HUD Guidelines 24 CFR 206.125

18. 2013-08-23
    listed $62,000 249-char remark

    Show marketing remark (249 chars)

    End of group townhome with off street parking in the rear with a large concrete parking pad. Home is close to shopping, schools, public transportation and major highways. Property is being sold ~as is~ and is subject to HUD Guidelines 24 CFR 206.125

ⓘ 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: $2,685 · $224/mo
• Projected year-2 tax: $2,685 · $224/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 5/10 Major 6 unhealthy d/yr today · 8 by 30 yrs out

Taxation est. · year 1

• Rental income: $21,890
• − Mortgage interest: −$8,402
• − Property taxes: −$2,685
• − Insurance: −$750
• − Repairs & maintenance: −$1,751
• − Management: −$1,751
• − Depreciation: −$4,364
• Taxable income: $2,187
• Est. tax owed @ 24.0%: −$525
• After-tax cash flow: $3,894/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 — Dundalk

• Score: 85/100
• State rank: #16
• US rank: #510

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Dundalk, MD
• County: Baltimore City · 558,601 people
• City population: 59,407
• Metro: Baltimore-Columbia-Towson, MD
• Population (ZIP): 47,465
• Household income: $89,017
• Rent vs Own: 41.5% rent · 58.5% own
• Severe rent burden: 1786.0

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: Diverse neighborhood (Simpson 0.62)
• Race & ethnicity: White 55% Hispanic / Latino 21% Black 16% Two or more races 7% Asian 4%
• Hispanic origin (detail): Mexican 4% Puerto Rican 2% Dominican 1%
• Common ancestry: Romanian 5% Lithuanian 2% Italian 1%
• Foreign-born: 17% · Canada, China, Vietnam
• Languages at home: 76% English-only · Spanish 18% Other Indo-European 2% Russian/Polish/Slavic 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: ▼ -332.23%
• Current HPI: 241.284
• Rent YoY: ▲ 1.31%
• 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

+141.9% since first listed

8 events — show timeline

• 2026-05-19 Listed $150,000 BRIGHT MLS
• 2022-03-18 Sold (Public Records) $135,000 Public Records
• 2013-09-25 Sold (MLS) $62,000 BRIGHT MLS
• 2013-09-25 Sold (MLS) $62,000 MRIS
• 2013-09-03 Pending — MRIS
• 2013-08-30 Listing Removed — BRIGHT MLS
• 2013-08-23 Listed $62,000 MRIS
• 2013-08-23 Listed $62,000 BRIGHT MLS

Property tax history

+4.1%/yr

Latest (2025): $2,685 · +3.6% YoY. Source: county tax records.