3210 Lyndale Ave · Baltimore, MD 21213

$155,000

3 bd · 1.0 ba · 1,020 sqft · Townhouse public records · 26 Days on market

Built 1923 1,343 sqft lot Est $150k · at est.

---

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 +27.1/30.0
• DSCR +9.4/10.0
• 1% rule +6.3/10.0
• ARV discount +6.0/15.0
• 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

Back on the market - Buyer financing fell through. Another high-quality home renovation by St. Ambrose Housing Aid Center. Your new home has been thoughtfully renovated and is ready for you to move right in. Features include a new roof, new windows and doors, new kitchen, new SS kitchen appliances, new washer & dryer, new bathroom, rebuilt front porch, new rear deck, new privacy fencing, new plumbing, new electric, new furnace & central AC, new flooring and fresh neutral paint. This house is ready for your finishing touches to make it your home! Buyer may be eligible for closing cost grants and favorable mortgage financing. Owner-occupants only.

Key facts

• New kitchen
• New doors
• New washer

Tags

• NEW ROOF
• NEW WINDOWS
• NEW DOORS
• NEW KITCHEN
• NEW SS KITCHEN APPLIANCES
• NEW WASHER

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath townhouse listed at $155k.

Deal economics

• At list price, monthly cash flow is $439 ($5k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $155k).
• Recommended offer: $153k (1.5% below list) — sets the bar for market timing.
• Cap rate 9.7% 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; 40 comparable units currently listed for rent nearby; rentals at typical pace (median 25d on market — plan ~3-4 weeks tenant-placement turnaround); 1,273 units permitted in Baltimore city in 2024 (1,104 in 5+ unit buildings).
• This rent runs 41% of the median local income ($51k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.

Forward outlook

• In year one you build about $192 of equity ($1k loan paydown + $-880 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 $43k cash investment doubles in ~6 years — after that, you're playing with house money.

Negotiation context

• It's been on market 26 days — a 2% lower offer ($153k) is reasonable based on typical stale-listing flexibility.
• 8 sale attempts since 20y 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.
• Current owner paid $50k; list at $155k implies a 210% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: built in 1923 — 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 $152,675 (1.5% below list)

Questions for the listing agent

1. Built in 1923 — 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 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?
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: 1.13% ✓
• Cap rate: 9.69%
• Cash-on-cash: 12.14%
• DSCR: 1.54
• GRM: 7.4

CMA / ARV

• ARV (on-the-fly): $149,940
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
3217 Ravenwood Ave	0.10mi	3/1.0	1,046 (+2%)	4mo	$125,000	$120	88
3236 Lyndale Ave	0.04mi	3/1.0	1,080 (+6%)	2mo	$161,855	$150	87
3307 Elmora Ave	0.08mi	3/1.0	896 (-12%)	3mo	$155,000	$173	74
3238 Ravenwood Ave	0.09mi	3/1.5	1,158 (+14%)	0mo	$70,000	$60	71
3427 Ravenwood Ave	0.19mi	3/1.0	896 (-12%)	0mo	$120,900	$135	70
3315 Lyndale Ave	0.08mi	2/1.5 (-1)	896 (-12%)	1mo	$145,000	$162	68
3338 Elmora Ave	0.12mi	2/1.0 (-1)	896 (-12%)	2mo	$149,500	$167	68
3802 Lyndale Ave	0.68mi	2/1.5 (-1)	1,050 (+3%)	1mo	$160,000	$152	56
3131 Chesterfield Ave	0.71mi	2/1.0 (-1)	1,068 (+5%)	1mo	$75,000	$70	53
3805 Elmora Ave	0.70mi	3/2.0	1,096 (+8%)	1mo	$11,700	$11	50
3316 Cardenas Ave	0.48mi	2/1.0 (-1)	1,150 (+13%)	2mo	$63,000	$55	49
3332 Brendan Ave	0.63mi	3/1.5	870 (-15%)	1mo	$128,000	$147	43

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

Projected returns pro-forma

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

5-year hold

• IRR: 11.4%
• Equity multiple: 1.54×
• Total profit: $23,331
• Equity at exit: $40,655

10-year hold

• IRR: 18.4%
• Equity multiple: 3.06×
• Total profit: $89,323
• Equity at exit: $45,518

Cash invested: $43,400 (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: 7.4×

Monthly cashflow live

• Estimated rent: $1,748 high
• Mortgage (P&I): −$813
• Tax from tax record: −$64 /mo · $773/yr
• Insurance: −$65
• HOA: −$0
• Vacancy / Maint / Mgmt: −$367
• Net cashflow: $439

Break-even live

Break-even rent $1,192

Max offer price $155,000

Occupancy floor 70%

Sensitivity live

Price	-10% $527	-5% $483	+0% $439	+5% $395	+10% $351
Rent	-10% $301	-5% $370	+0% $439	+5% $508	+10% $577
Rate	-1.0pp $517	-0.5pp $478	base $439	+0.5pp $399	+1.0pp $358

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: $38,750
• Closing costs: $4,650
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
3213 Elmley Ave Baltimore, MD	2.0	1.0	1188	$1,395	$1.17	45d	1	0.01mi
3218 Lyndale Ave Baltimore, MD	3.0	1.5	1020	$1,500	$1.47	25d	1	0.03mi
3222 Lyndale Ave Unit 1 Baltimore, MD	3.0	1.5	1500	$2,200	$1.47	13d	1	0.03mi
3221 Lyndale Ave Baltimore, MD	2.0	2.0	1020	$1,700	$1.67	25d	1	0.05mi
3315 Lyndale Ave Baltimore, MD	2.0	1.5	896	$1,650	$1.84	19d	1	0.09mi
3317 Lyndale Ave Baltimore, MD	3.0	1.0	900	$1,300	$1.44	45d	1	0.09mi
2113 Belair Rd Baltimore, MD	3.0	1.0	1344	$1,795	$1.34	45d	1	0.10mi
3326 Elmora Ave Baltimore, MD	3.0	1.0	1200	$1,450	$1.21	25d	1	0.11mi
3335 Lyndale Ave Baltimore, MD	2.0	2.0	1344	$1,600	$1.19	25d	1	0.11mi
3322 Ravenwood Ave Baltimore, MD	3.0	2.0	932	$1,800	$1.93	25d	1	0.13mi
3339 Elmora Ave Baltimore, MD	3.0	2.0	896	$1,600	$1.79	45d	1	0.14mi
3343 Ravenwood Ave Unit 3343 Baltimore, MD	2.0	2.0	948	$1,855	$1.96	19d	1	0.17mi
3512 Elmora Ave Baltimore, MD	3.0	1.5	1472	$1,900	$1.29	21d	1	0.34mi
3610 Elmley Ave Baltimore, MD	2.0	1.5	1200	$1,550	$1.29	21d	1	0.50mi
2828 Lake Ave Baltimore, MD	3.0	2.0	1164	$1,850	$1.59	5d	1	0.53mi
3436 Cardenas Ave Baltimore, MD	2.0	1.0	1146	$1,395	$1.22	45d	1	0.54mi
3902 Erdman Ave Unit 1 Baltimore, MD	2.0	1.0	1000	$1,275	$1.27	25d	1	0.55mi
3914 Erdman Ave #1 Baltimore, MD	3.0	1.0	1200	$1,319	$1.10	19d	1	0.56mi
3646 Lyndale Ave Baltimore, MD	2.0	1.5	840	$1,475	$1.76	45d	1	0.56mi
2311 E Lafayette Ave Baltimore, MD	3.0	1.0	1000	$1,400	$1.40	45d	1	0.57mi
3515 Parklawn Ave Baltimore, MD	3.0	2.0	1240	$1,700	$1.37	4d	1	0.63mi
2410 E Federal St Baltimore, MD	4.0	2.0	720	$2,200	$3.06	25d	1	0.63mi
2837 Pelham Ave Baltimore, MD	4.0	2.0	1164	$1,675	$1.44	45d	1	0.65mi
2817 Pelham Ave Baltimore, MD	3.0	2.0	1464	$1,950	$1.33	25d	1	0.66mi
2848 Pelham Ave Baltimore, MD	3.0	2.0	1164	$1,700	$1.46	45d	1	0.67mi
1323 N Kenwood Ave Unit 1 Baltimore, MD	2.0	1.5	1060	$1,350	$1.27	25d	1	0.71mi
3028 Kenyon Ave Baltimore, MD	2.0	2.0	1075	$1,395	$1.30	45d	1	0.75mi
1310 N Ellwood Ave Baltimore, MD	2.0	1.0	1000	$1,450	$1.45	13d	1	0.75mi
1310 N Ellwood Ave #1 Baltimore, MD	2.0	1.0	1000	$1,550	$1.55	23d	1	0.75mi
2626 E Preston St Baltimore, MD	3.0	1.0	1136	$1,800	$1.58	45d	1	0.76mi
3544 Chesterfield Ave Baltimore, MD	3.0	1.5	1200	$1,635	$1.36	45d	1	0.79mi
1832 E 28th St Baltimore, MD	3.0	1.0	1066	$1,495	$1.40	25d	1	0.80mi
3305 Dudley Ave Baltimore, MD	3.0	2.0	1413	$1,950	$1.38	45d	1	0.81mi
1215 N Ellwood Ave Baltimore, MD	3.0	1.0	1128	$1,795	$1.59	25d	1	0.82mi
1802 E 28th St Baltimore, MD	3.0	1.0	1300	$1,600	$1.23	25d	1	0.83mi
2430 E Biddle St Baltimore, MD	2.0	2.0	1300	$2,000	$1.54	45d	1	0.88mi
1814 E Lafayette Ave Baltimore, MD	4.0	2.0	1200	$1,995	$1.66	25d	1	0.88mi
3566 Dudley Ave Baltimore, MD	2.0	1.0	896	$1,800	$2.01	25d	1	0.91mi
1627 Rutland Ave Unit 1 Baltimore, MD	3.0	2.0	1200	$2,350	$1.96	45d	1	0.94mi
1627 Rutland Ave Baltimore, MD	3.0	2.0	1100	$1,950	$1.77	25d	1	0.94mi

Listing history 33 events

1. 2026-06-21
   days on market $155,000 Active 26 DOM
2. 2026-06-18
   days on market $155,000 Active 23 DOM
3. 2026-06-17
   days on market $155,000 Active 22 DOM
4. 2026-06-16
   remarks 658-char remark
5. 2026-06-16
   days on market $155,000 Active 21 DOM
6. 2026-06-15
   days on market $155,000 Active 20 DOM
7. 2026-06-13
   days on market $155,000 Active 18 DOM
8. 2026-06-09
   days on market $155,000 Active 14 DOM
9. 2026-06-08
   days on market $155,000 Active 13 DOM
10. 2026-06-07
    days on market $155,000 Active 12 DOM
11. 2026-06-04
    days on market $155,000 Active 9 DOM
12. 2026-06-03
    days on market $155,000 Active 8 DOM
13. 2026-06-02
    days on market $155,000 Active 7 DOM
14. 2026-06-02
    remarks 636-char remark
15. 2026-06-02
    status $155,000 Active 6 DOM
16. 2026-03-18
    status Pending
17. 2026-03-12
    listed $155,000 Active
18. 2023-09-14
    listed $50,000
19. 2023-09-13
    soldstatus $50,000
20. 2016-05-13
    historical
21. 2016-05-13
    historical Withdrawn
22. 2015-06-01
    listed Active
23. 2015-06-01
    listed $75,000
24. 2010-06-21
    historical
25. 2010-06-21
    historical
26. 2009-12-01
    listed Active
27. 2009-11-30
    listed $100,000
28. 2007-10-19
    soldstatus $73,000
29. 2006-08-18
    soldstatus $64,000
30. 2006-05-12
    historical
31. 2006-05-12
    historical
32. 2006-04-27
    listed
33. 2006-03-31
    listed

ⓘ 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: $773 · $64/mo
• Projected year-2 tax: $1,231 · $103/mo
• Expected delta: +$458/yr (+$38/mo · 59.3%)

ⓘ 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 7/10 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: $20,975
• − Mortgage interest: −$8,682
• − Property taxes: −$773
• − Insurance: −$775
• − Repairs & maintenance: −$1,678
• − Management: −$1,678
• − Depreciation: −$4,509
• Taxable income: $2,880
• Est. tax owed @ 24.0%: −$691
• After-tax cash flow: $4,577/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

+142.2% since first listed

18 events — show timeline

• 2026-03-18 Pending — BRIGHT MLS
• 2026-03-12 Listed $155,000 BRIGHT MLS
• 2023-09-14 Listed $50,000 BRIGHT MLS
• 2023-09-13 Sold (MLS) $50,000 BRIGHT MLS
• 2016-05-13 Delisted — MRIS
• 2016-05-13 Listing Removed — BRIGHT MLS
• 2015-06-01 Listed — MRIS
• 2015-06-01 Listed $75,000 BRIGHT MLS
• 2010-06-21 Delisted — MRIS
• 2010-06-21 Listing Removed — BRIGHT MLS
• 2009-12-01 Listed — MRIS
• 2009-11-30 Listed $100,000 BRIGHT MLS
• 2007-10-19 Sold (Public Records) $73,000 Public Records
• 2006-08-18 Sold (Public Records) $64,000 Public Records
• 2006-05-12 Delisted — MRIS
• 2006-05-12 Delisted — MRIS
• 2006-04-27 Listed — MRIS
• 2006-03-31 Listed — MRIS

Property tax history

-4.9%/yr

Latest (2025): $773 · +1.5% YoY. Source: county tax records.