4 Bideford Ct · Carney, MD 21234

$275,000

3 bd · 1.5 ba · 1,754 sqft · Townhouse public records · 3 Days on market

Built 1973 1,900 sqft lot Est $316k · 13% under

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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 +15.3/30.0
• ARV discount +13.3/15.0
• DSCR +4.7/10.0
• Rent growth +4.2/5.0
• 1% rule +3.9/10.0
• Livability +3.9/5.0
• Condition / age +2.5/5.0
• Schools +2.3/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

Located in the Doncaster Village community, this stylish renovated townhome boasts a main level open floor plan featuring: a welcoming entry, a spacious Living/ Dining area with a rear window wall overlooking a beautiful landscape and gorgeous cherry hardwood flooring. The fabulous sleek kitchen boasts upgraded wood cabinets, granite countertops, stunning tile backsplash, stainless steel appliances, and marble tiled flooring. There is also a half bath on this level. The upper floor has three bedrooms with cherry hardwood flooring, 2 ceiling fans and a lovely travertine tiled bath with combo tub/shower. Pull down stairs from the second floor hall provide access to the attic. The daylight large lower level is finished with paneled walls, vinyl flooring, a free standing gas fireplace, and a walk out to a lovely rear patio overlooking common area plantings and trees. The large laundry room is also located on the lower level. The home is ideally located close to shopping, restaurants, major highways, institutions and is served by an excellent public school district. The Pine Grove Elementary School is designated a National Blue Ribbon School.

Key facts

• Upgraded kitchen
• 2 parking spots
• Built 1973

Tags

• UPGRADED KITCHEN

Property features AI

Finance

• Other: Irrigation water rights noted; Pets allowed with no pet restrictions
• HOA & community: Ground rent paid annually

Exterior

• Parking: Shared driveway; Unassigned parking; Parking lot with 2 spaces (plus 2 total garage/parking spaces indicated)
• Utilities: Public water; Public sewer; Electric cooling; Natural gas for heating and hot water
• Home design: Interior townhouse/rowhouse; Fee simple ownership; Property in very good condition
• Construction: Brick construction; Architectural shingle roof; Permanent foundation; Above-grade and below-grade structures
• Exterior features: Patio(s); Sidewalks; Street lights; Not in a federal flood zone

Interior

• Kitchen: Built-in microwave; Dishwasher; Disposal; Exhaust fan; Refrigerator; Stainless steel appliances; Stove
• Bedrooms: Three bedrooms on the upper level
• Flooring: Hardwood; Carpet
• Bathrooms: One full bathroom on the upper level; One half bathroom on the main level
• Heating & cooling: Forced air heating; Natural gas heating and hot water; Central air conditioning (electric)
• Interior features: Attic; Ceiling fans; Combination dining and living area; Dedicated dining area; Traditional floor plan; Gourmet kitchen with table space; Recessed lighting; Upgraded countertops; Wood floors
• Laundry & utility: Washer in unit; Dryer in unit; Laundry located on lower floor

What this means for you Summary

Snapshot

• This is a 3-bed/1.5-bath townhouse listed at $275k.

Deal economics

• At list price, monthly cash flow is $99 ($1k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $245k (10.9% below list).
• Recommended offer: $245k (10.9% below list) — sets the bar for 1% rule.
• Cap rate 6.7% vs local median 4.5% in Carney — 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 78/100 on livability (#73 in MD, #2,656 nationally) — a middle-class / working-renter tenant base. Strengths: housing A+, commute A, employment A; Watch: cost of living C-, amenities D+, crime D-.
• 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: Pine Grove Elementary (math 20% / reading 29%, grade F, #260 of 860 statewide, top 33%, 503 students, 47% FRL); Pine Grove Middle (math 11% / reading 42%, grade F, #86 of 225 statewide, top 40%, 916 students, 56% FRL); Loch Raven High (math 17% / reading 57%, grade F, #141 of 222 statewide, top 63%, 891 students, 56% FRL).
• Market conditions: Rents rising fast (+6.7%/yr); 234 active listings in the ZIP; 14 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).
• This rent runs 35% of the median local income ($84k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $2k of loan paydown is wiped out by about $8k 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

• Only 3 days on market — expect competitive offers; lowballing is unlikely to land.
• 9 sale attempts since 19y 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 $215k; 28% above their basis — modest negotiation headroom, anchor on the comps not their cost.

Risks & watch-outs

• Climate carrying-cost: major wind risk, 27% chance of damaging wind over 30y; extreme-heat days projected 7→14/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $245,042 (10.9% below list)

Questions for the listing agent

1. Built in 1973 — 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. Crime grade is D 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?
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: 0.89% ✗
• Cap rate: 6.72%
• Cash-on-cash: 1.54%
• DSCR: 1.07
• GRM: 9.4

CMA / ARV

• ARV (on-the-fly): $315,720
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
15 Strabane Ct	0.15mi	3/1.5	1,881 (+7%)	12mo	$232,000	$123	71
42 Strabane Ct	0.09mi	3/2.5	1,564 (-11%)	4mo	$311,500	$199	70
9222 Bellbeck Rd	0.19mi	4/3.0 (+1)	1,760 (+0%)	12mo	$335,000	$190	69
2639 Ebony Rd	0.26mi	3/2.5	1,780 (+2%)	15mo	$319,900	$180	69
9221 Bellbeck Rd	0.19mi	4/3.0 (+1)	1,860 (+6%)	2mo	$365,000	$196	68
50 Bideford Ct	0.11mi	3/2.5	1,567 (-11%)	14mo	$277,000	$177	62
9 Bristow Ct	0.43mi	3/2.5	1,790 (+2%)	16mo	$325,000	$182	59
8 Demarest Ct	0.34mi	4/3.0 (+1)	1,835 (+5%)	9mo	$300,000	$163	58
9 Pinecone Ct	0.18mi	4/2.5 (+1)	2,000 (+14%)	8mo	$325,000	$163	52
13 Windersal Ln	0.51mi	4/2.0 (+1)	1,660 (-5%)	13mo	$260,000	$157	49
6 Windersal Ln	0.48mi	3/1.5	1,542 (-12%)	12mo	$281,000	$182	48
9378 Pan Ridge Rd #9378	0.41mi	3/2.0	1,590 (-9%)	20mo	$249,900	$157	47

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 · 6.68% rent growth · sell at horizon

5-year hold

• IRR: -9.9%
• Equity multiple: 0.62×
• Total profit: $-28,878
• Equity at exit: $41,003

10-year hold

• IRR: 3.8%
• Equity multiple: 1.32×
• Total profit: $24,576
• Equity at exit: $23,777

Cash invested: $77,000 (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 21234

• Rents YoY: 6.7%
• Active inventory: 234
• Price-to-rent: 9.4×

Monthly cashflow live

• Estimated rent: $2,450 high
• Mortgage (P&I): −$1,442
• Tax from tax record: −$281 /mo · $3,367/yr
• Insurance: −$115
• HOA: −$0
• Vacancy / Maint / Mgmt: −$515
• Net cashflow: $99

Break-even live

Break-even rent $2,326

Max offer price $275,000

Occupancy floor 91%

Sensitivity live

Price	-10% $254	-5% $176	+0% $99	+5% $21	+10% $-57
Rent	-10% $-95	-5% $2	+0% $99	+5% $195	+10% $292
Rate	-1.0pp $237	-0.5pp $168	base $99	+0.5pp $27	+1.0pp $-45

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: $68,750
• Closing costs: $8,250
• Reserves months: —
• Total cash needed: —

Rent comps 14 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
3 Strabane Ct Parkville, MD	2.0	1.0	1254	$2,175	$1.73	16d	1	0.16mi
9351 Pan Ridge Rd Unit Master 1 Parkville, MD	4.0	1.5	1590	$950	$0.60	45d	1	0.36mi
8 Windersal Ln Parkville, MD	3.0	1.5	1520	$2,200	$1.45	0d	1	0.49mi
2815 Northwind Rd Parkville, MD	4.0	3.0	1992	$3,000	$1.51	25d	1	0.73mi
9005 Perring Park Rd Parkville, MD	3.0	2.5	2146	$3,000	$1.40	18d	1	0.77mi
23 Roger Valley Ct Unit 1 Parkville, MD	3.0	4.0	1678	$2,850	$1.70	6d	1	0.85mi
23 Roger Valley Ct Parkville, MD	3.0	3.5	1678	$2,850	$1.70	6d	1	0.85mi
21 Kirwin Ct Parkville, MD	4.0	2.5	1800	$2,872	$1.60	19d	1	0.85mi
2900 Cub Hill Rd Parkville, MD	4.0	2.0	2500	$2,900	$1.16	23d	1	0.92mi
24 Maple Hollow Ct Parkville, MD	3.0	3.5	1600	$2,400	$1.50	45d	1	0.98mi
2924 Cub Hill Rd Parkville, MD	3.0	2.0	1770	$2,695	$1.52	45d	1	1.06mi
2908 5th Ave Parkville, MD	3.0	1.0	1260	$1,950	$1.55	45d	1	1.29mi
8768 Cimarron Cir Parkville, MD	4.0	1.5	1752	$2,395	$1.37	25d	1	1.41mi
3201 E Joppa Rd Parkville, MD	3.0	1.5	1812	$2,800	$1.55	45d	1	1.43mi

Listing history 3 events

1. 2026-06-21
   days on market $275,000 Active 3 DOM
2. 2026-06-18
   remarks 699-char remark
3. 2026-06-18
   listed $275,000 Active 1 DOM

ⓘ 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: $3,367 · $281/mo
• Projected year-2 tax: $3,367 · $281/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 3/10 Moderate
• 🌡 Heat 6/10 Major 7 d/yr ≥104°F today · 14 d/yr by 30 yrs out
• 💨 Wind 6/10 Major 27% chance of damaging wind over 30 yrs
• 🫁 Air quality 4/10 Moderate 5 unhealthy d/yr today · 7 by 30 yrs out

Taxation est. · year 1

• Rental income: $29,405
• − Mortgage interest: −$15,404
• − Property taxes: −$3,367
• − Insurance: −$1,375
• − Repairs & maintenance: −$2,352
• − Management: −$2,352
• − Depreciation: −$8,000
• Taxable loss: −$3,446
• Est. tax savings @ 24.0%: +$827
• After-tax cash flow: $2,010/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 — Carney

• Score: 78/100
• State rank: #73
• US rank: #2656

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Carney, MD
• County: Baltimore County · 769,527 people
• City population: 65,010
• Metro: Baltimore-Columbia-Towson, MD
• Population (ZIP): 66,334
• Household income: $83,517
• Rent vs Own: 35.5% rent · 64.5% own
• Severe rent burden: 2719.0

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 0.58)
• Race & ethnicity: White 58% Black 28% Asian 5% Hispanic / Latino 5% Two or more races 5%
• Common ancestry: Romanian 5% Lithuanian 1% Italian 1%
• Foreign-born: 10% · Canada, China, South Korea
• Languages at home: 89% English-only · Spanish 3% Other Indo-European 2% Tagalog/Filipino 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: ▼ -247.04%
• Current HPI: 254.3824
• Rent YoY: ▲ 6.68%
• 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

+423.8% since first listed

28 events — show timeline

• 2026-06-18 Listed $275,000 BRIGHT MLS
• 2020-06-18 Sold (Public Records) $215,000 Public Records
• 2020-06-05 Sold (MLS) $215,000 BRIGHT MLS
• 2020-04-23 Pending — BRIGHT MLS
• 2020-04-16 Price Changed $224,900 BRIGHT MLS
• 2020-04-02 Listed $227,000 BRIGHT MLS
• 2016-10-01 Delisted — MRIS
• 2016-10-01 Listing Removed — BRIGHT MLS
• 2016-08-13 Price Changed — MRIS
• 2016-07-19 Price Changed — MRIS
• 2016-06-30 Listed — MRIS
• 2016-06-30 Listed $218,900 BRIGHT MLS
• 2010-07-30 Sold (MLS) $175,000 BRIGHT MLS
• 2010-07-30 Sold (MLS) $175,000 MRIS
• 2010-07-02 Pending — MRIS
• 2010-07-02 Listing Removed — BRIGHT MLS
• 2010-06-21 Listed $169,900 MRIS
• 2010-06-21 Listed $169,900 BRIGHT MLS
• 2009-01-02 Delisted — MRIS
• 2008-12-01 Relisted — MRIS
• 2008-12-01 Delisted — MRIS
• 2008-10-16 Price Changed — MRIS
• 2008-06-05 Listed — MRIS
• 2007-09-12 Sold (Public Records) $230,000 Public Records
• 2007-08-22 Sold (MLS) $230,000 MRIS
• 2007-08-02 Delisted — MRIS
• 2007-05-27 Listed $225,000 MRIS
• 1978-07-06 Sold (Public Records) $52,500 Public Records

Property tax history

+2.0%/yr

Latest (2025): $3,367 · +6.3% YoY. Source: county tax records.