535 Oakland Ave · Baltimore, MD
Flood risk 1/10 · Minimal
- FEMA flood zone
- X (unshaded)
- Chance of flooding over 30 yrs
- 0.0%
- Est. flood insurance / yr
- $473 – $860
Fire risk 1/10 · Minimal
- Est. fire insurance / yr
- $755 – $1,403
Heat risk 7/10 · Major
- Hot days now (above 103°F)
- 7 days/yr
- Hot days in 30 yrs
- 15 days/yr
Wind risk 6/10 · Moderate
- Chance of severe wind over 30 yrs
- 27.0%
Air-quality risk 4/10 · Minor
- Unhealthy air days now
- 6 days/yr
- Unhealthy air days in 30 yrs
- 7 days/yr
Risk factors via First Street. Map © Google.
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 +26.5/30.0
- ARV discount +12.9/15.0
- DSCR +9.1/10.0
- 1% rule +6.0/10.0
- Livability +3.8/5.0
- Rent growth +3.7/5.0
- Condition / age +2.5/5.0
- Schools +1.0/10.0
- Appreciation +0.0/10.0
$190,000
🖨 Deal sheet (PDF) 📄 Offer letter ✓ Due diligence
Listing remarks MLS
This is the opportunity you’ve been waiting for. Turnkey 2 unit investment property with tenants and active leases in place. Fully occupied with strong, reliable tenants and separately metered utilities, all paid by the tenants. Each unit offers 2 beds and 1 full bath, plus an additional full bath in the basement. There is also an extra basement room not included in the bedroom count that can easily be converted into a legal bedroom for added value. Well maintained with no immediate repairs needed and a valid rental license in place. Located just 2 miles from Morgan State University and 1.5 miles from Johns Hopkins University, providing strong rental demand. Rental income, lease details, market rent data, and comparable rentals are available upon request. Priced properly, in great condition, and already generating income, this will not last long. A strong opportunity for investors looking to build long term, generational wealth. Reach out with any questions and let’s get the ball rolling. Showings are by appointment only; please call or text listing agent (James Kirk) to coordinate.
Key facts
- Built 1900
- Listed 56 days
Neighborhood map
What this means for you Summary
Snapshot
- This is a 4-bed/2.0-bath townhouse listed at $190k.
Deal economics
- At list price, monthly cash flow is $505 ($6k/yr) — positive.
- The deal already cash-flows at list — no discount required.
- Meets the 1% rule at list price ($2k rent vs $190k).
- Recommended offer: $184k (3.0% below list) — sets the bar for market timing.
- Cap rate 9.5% 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 (+4.7%/yr); 133 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); solid renter incomes; 1,273 units permitted in Baltimore city in 2024 (1,104 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 $6k of value loss. Plan a longer hold.
- Baltimore County population projected to shrink 4% by 2050 — rents likely to lag national; underwrite the cash flow, not the appreciation.
- At projected returns (-3.0% appreciation + 4.7% rent growth), your $53k cash investment doubles in ~9 years — after that, you're playing with house money.
Negotiation context
- It's been on market 57 days — a 3% lower offer ($184k) is reasonable based on typical stale-listing flexibility.
- 11 sale attempts since 29y 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 $158k; 20% above their basis — modest negotiation headroom, anchor on the comps not their cost.
Risks & watch-outs
- Watch-outs: built in 1900 — 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.
Questions for the listing agent
- It's been on market 57 days. Have you received any prior offers? Is the seller open to a 3% concession, seller financing, or rate buy-down credit?
- Built in 1900 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
- Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
- 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?
- 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?
- 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.
- 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.
- 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
- 9.48%
- Cash-on-cash
- 11.38%
- DSCR
- 1.51
- GRM
- 7.6
CMA / ARV
- ARV (median comp)
- $216,159
- List price
- $190,000
- Delta
- -12.10%
- Verdict
- UNDERPRICED
- Comps
- 20 within 1.0 mi
Show comp detail 12 sales within ~0.75 mi
| Address | Dist | Beds/Ba | Sqft | Sold | Price | $/sf | Match |
|---|---|---|---|---|---|---|---|
| 609 E 41st St | 0.27mi | 3/2.0 (-1) | 1,728 (-1%) | 1mo | $79,100 | $46 | 81 |
| 617 Willow Ave | 0.09mi | 3/2.0 (-1) | 1,641 (-6%) | 2mo | $235,000 | $143 | 80 |
| 3953 Wilsby Ave | 0.43mi | 4/2.0 | 1,716 (-1%) | 1mo | $235,000 | $137 | 76 |
| 4744 Alhambra Ave | 0.19mi | 3/1.5 (-1) | 1,816 (+4%) | 2mo | $155,000 | $85 | 76 |
| 537 Oakland Ave | 0.00mi | 3/1.5 (-1) | 1,915 (+10%) | 1mo | $220,000 | $115 | 76 |
| 4662 Kernwood Ave | 0.23mi | 3/1.5 (-1) | 1,652 (-5%) | 1mo | $240,000 | $145 | 73 |
| 715 Radnor Ave | 0.31mi | 4/2.0 | 1,600 (-8%) | 2mo | $249,900 | $156 | 70 |
| 608 Radnor Ave | 0.32mi | 3/2.0 (-1) | 1,837 (+6%) | 2mo | $219,000 | $119 | 70 |
| 923 North Hill Rd | 0.53mi | 3/2.0 (-1) | 1,652 (-5%) | 2mo | $277,500 | $168 | 60 |
| 3613 Greenmount Ave | 0.71mi | 3/3.0 (-1) | 1,732 (-0%) | 1mo | $207,000 | $120 | 56 |
| 804 Mccabe Ave | 0.65mi | 3/2.5 (-1) | 1,620 (-7%) | 1mo | $199,900 | $123 | 50 |
| 1101 Andover Rd | 0.64mi | 4/2.0 | 1,500 (-14%) | 2mo | $257,000 | $171 | 46 |
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 · 4.65% rent growth · sell at horizon
- IRR
- 2.3%
- Equity multiple
- 1.09×
- Total profit
- $4,785
- Equity at exit
- $28,330
- IRR
- 13.3%
- Equity multiple
- 2.13×
- Total profit
- $60,156
- Equity at exit
- $16,428
Cash invested: $53,200 (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
ZIP-level market 21212
- Rents YoY
- 4.7%
- Active inventory
- 133
- Price-to-rent
- 7.6×
Monthly cashflow live
- Estimated rent
- $2,083 high interval (Pro) →
- Mortgage (P&I)
- −$996
- Tax from tax record
- −$65 /mo · $781/yr
- Insurance
- −$79
- HOA
- −$0
- Vacancy / Maint / Mgmt
- −$437
- Net cashflow
- $505
Break-even live
Sensitivity live
| Price | -10% $612 | -5% $558 | +0% $505 | +5% $451 | +10% $397 |
|---|---|---|---|---|---|
| Rent | -10% $340 | -5% $422 | +0% $505 | +5% $587 | +10% $669 |
| Rate | -1.0pp $600 | -0.5pp $553 | base $505 | +0.5pp $455 | +1.0pp $405 |
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
- $47,500
- Closing costs
- $5,700
- Reserves months
- —
- Total cash needed
- —
Loan-product check · same deal, 3 products live
Conventional
25% down · 7.5% · 30yr
- Down + closing
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
Personal DTI + credit; lowest rate.
DSCR
20% down · 8.5% · 30yr
- Down + closing
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
No personal income docs; deal must DSCR.
Hard money
10% down · 12.0% · 12mo
- Down + closing
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
Short-term bridge; refi at stabilization.
Rent comps 40 comps
| Address | Beds | Baths | Sqft | Rent | $/sqft | DOM | Units | Dist |
|---|---|---|---|---|---|---|---|---|
| 4407 Old York Rd Baltimore, MD | 3.0 | 1.5 | 1356 | $1,574 | $1.16 | 21d | 1 | 0.05mi |
| 4407 Old York Rd Baltimore, MD | 3.0 | 1.5 | 1356 | $1,574 | $1.16 | 44d | 1 | 0.05mi |
| 706 E 43rd St Baltimore, MD | 4.0 | 1.5 | 1596 | $1,899 | $1.19 | 2d | 1 | 0.12mi |
| 531 Willow Ave Unit Na Baltimore, MD | 4.0 | 1.0 | 1300 | $1,800 | $1.38 | 21d | 1 | 0.12mi |
| 720 Springfield Ave Baltimore, MD | 3.0 | 1.0 | 1160 | $2,000 | $1.72 | 44d | 1 | 0.18mi |
| 4754 Alhambra Ave Baltimore, MD | 3.0 | 2.0 | 1876 | $1,500 | $0.80 | 24d | 1 | 0.24mi |
| 513 E 41st St Baltimore, MD | 4.0 | 1.5 | 1620 | $1,900 | $1.17 | 44d | 1 | 0.26mi |
| 514 Radnor Ave Baltimore, MD | 3.0 | 1.5 | 1575 | $1,500 | $0.95 | 45d | 1 | 0.35mi |
| 804 Radnor Ave Baltimore, MD | 3.0 | 1.0 | 1654 | $2,000 | $1.21 | 44d | 1 | 0.35mi |
| 5001 Govane Ave Baltimore, MD | 5.0 | 2.5 | 1200 | $1,800 | $1.50 | 24d | 1 | 0.44mi |
| 510 Winston Ave Baltimore, MD | 4.0 | 2.0 | 1600 | $2,800 | $1.75 | 21d | 1 | 0.51mi |
| 543 Chateau Ave Baltimore, MD | 3.0 | 2.0 | 1152 | $1,900 | $1.65 | 5d | 1 | 0.52mi |
| 3721 Ellerslie Ave Baltimore, MD | 1.0–3.0 | 1.0–2.0 | 894 | $1,603 | $1.79 | 2d | 1 | 0.58mi |
| 711 1/2 McCabe Ave Baltimore, MD | 4.0 | 3.0 | 1204 | $2,350 | $1.95 | 5d | 1 | 0.64mi |
| 5200 Ready Ave Baltimore, MD | 3.0 | 1.5 | 1116 | $1,950 | $1.75 | 4d | 1 | 0.70mi |
| 1224 Winston Ave Baltimore, MD | 3.0 | 2.0 | 1248 | $2,100 | $1.68 | 18d | 1 | 0.71mi |
| 4006 Loch Raven Blvd Baltimore, MD | 3.0 | 2.5 | 2016 | $2,695 | $1.34 | 18d | 1 | 0.79mi |
| 3529 Greenmount Ave Baltimore, MD | 3.0 | 2.0 | 1316 | $1,575 | $1.20 | 44d | 1 | 0.79mi |
| 1221 Glenwood Ave Baltimore, MD | 3.0 | 2.0 | 1390 | $2,595 | $1.87 | 44d | 1 | 0.85mi |
| 724 E 35th St Baltimore, MD | 3.0 | 1.5 | 1368 | $2,000 | $1.46 | 15d | 1 | 0.85mi |
| 3421 University Pl Baltimore, MD | 5.0 | 2.0 | 1960 | $3,500 | $1.79 | 24d | 1 | 0.90mi |
| 1539 Ralworth Rd Baltimore, MD | 3.0 | 2.0 | 1580 | $1,950 | $1.23 | 15d | 1 | 0.91mi |
| 1 E University Pkwy Baltimore, MD | 1.0–3.0 | 1.0–2.0 | 1045 | $2,500 | $2.39 | 5d | 2 | 0.93mi |
| 5204 Kelway Rd Baltimore, MD | 3.0 | 2.0 | 1666 | $2,350 | $1.41 | 24d | 1 | 0.93mi |
| 1617 Argonne Dr Baltimore, MD | 4.0 | 2.0 | 1200 | $2,550 | $2.12 | 44d | 1 | 0.95mi |
| 500 W University Pkwy Baltimore, MD | 3.0 | 1.0–2.0 | 955 | $3,020 | $3.16 | 2d | 60 | 0.96mi |
| 3501 Saint Paul St Baltimore, MD | 3.0 | 1.0–2.5 | 916 | $2,700 | $2.95 | 2d | 172 | 0.99mi |
| 348 E University Pkwy Baltimore, MD | 4.0 | 2.0 | 1809 | $2,400 | $1.33 | 44d | 1 | 0.99mi |
| 1545 E Cold Spring Ln Baltimore, MD | 4.0 | 2.0 | 1240 | $2,000 | $1.61 | 44d | 1 | 0.99mi |
| 1008 Tunbridge Rd Baltimore, MD | 3.0 | 2.0 | 1732 | $2,050 | $1.18 | 24d | 1 | 1.00mi |
| 3222 Ellerslie Ave Baltimore, MD | 4.0 | 1.5 | 1550 | $1,950 | $1.26 | 44d | 1 | 1.08mi |
| 1502 Fernley Rd Baltimore, MD | 3.0 | 2.0 | 1350 | $2,800 | $2.07 | 44d | 1 | 1.09mi |
| 5622 Midwood Ave Baltimore, MD | 3.0 | 2.0 | 1452 | $2,300 | $1.58 | 44d | 1 | 1.11mi |
| 616 Montpelier St Baltimore, MD | 3.0 | 1.0 | 1150 | $1,750 | $1.52 | 11d | 1 | 1.15mi |
| 828 Saint Dunstans Rd Baltimore, MD | 3.0 | 2.0 | 1544 | $2,000 | $1.30 | 24d | 1 | 1.23mi |
| 5520 Sagra Rd Baltimore, MD | 3.0 | 1.5 | 1650 | $1,900 | $1.15 | 44d | 1 | 1.23mi |
| 3010 Guilford Ave Baltimore, MD | 5.0 | 2.5 | 2174 | $3,980 | $1.83 | 11d | 1 | 1.28mi |
| 816 W 37th St Baltimore, MD | 3.0 | 2.5 | 1468 | $2,700 | $1.84 | 5d | 1 | 1.37mi |
| 424 Ilchester Ave Baltimore, MD | 3.0 | 3.0 | 1976 | $1,800 | $0.91 | 15d | 1 | 1.39mi |
| 1702 E 32nd St Baltimore, MD | 3.0 | 2.0 | 1344 | $2,300 | $1.71 | 44d | 1 | 1.40mi |
Listing history 46 events
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2026-06-18days on market $190,000 Active 57 DOM
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2026-06-17days on market $190,000 Active 56 DOM
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2026-06-16days on market $190,000 Active 55 DOM
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2026-06-15days on market $190,000 Active 54 DOM
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2026-06-13days on market $190,000 Active 52 DOM
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2026-06-09days on market $190,000 Active 48 DOM
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2026-06-08days on market $190,000 Active 47 DOM
-
2026-06-07days on market $190,000 Active 46 DOM
-
2026-06-04days on market $190,000 Active 43 DOM
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2026-06-03days on market $190,000 Active 42 DOM
-
2026-06-02days on market $190,000 Active 41 DOM
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2026-06-01days on market $190,000 Active 40 DOM
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2026-05-31days on market $190,000 Active 39 DOM
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2026-04-23$190,000 Active 1112-char remark
Show marketing remark (1112 chars)
This is the opportunity you’ve been waiting for. Turnkey 2 unit investment property with tenants and active leases in place. Fully occupied with strong, reliable tenants and separately metered utilities, all paid by the tenants. Each unit offers 2 beds and 1 full bath, plus an additional full bath in the basement. There is also an extra basement room not included in the bedroom count that can easily be converted into a legal bedroom for added value. Well maintained with no immediate repairs needed and a valid rental license in place. Located just 2 miles from Morgan State University and 1.5 miles from Johns Hopkins University, providing strong rental demand. Rental income, lease details, market rent data, and comparable rentals are available upon request. Priced properly, in great condition, and already generating income, this will not last long. A strong opportunity for investors looking to build long term, generational wealth. Reach out with any questions and let’s get the ball rolling. Showings are by appointment only; please call or text listing agent (James Kirk) to coordinate.
-
2026-04-20historical $190,000 1112-char remark
Show marketing remark (1112 chars)
This is the opportunity you’ve been waiting for. Turnkey 2 unit investment property with tenants and active leases in place. Fully occupied with strong, reliable tenants and separately metered utilities, all paid by the tenants. Each unit offers 2 beds and 1 full bath, plus an additional full bath in the basement. There is also an extra basement room not included in the bedroom count that can easily be converted into a legal bedroom for added value. Well maintained with no immediate repairs needed and a valid rental license in place. Located just 2 miles from Morgan State University and 1.5 miles from Johns Hopkins University, providing strong rental demand. Rental income, lease details, market rent data, and comparable rentals are available upon request. Priced properly, in great condition, and already generating income, this will not last long. A strong opportunity for investors looking to build long term, generational wealth. Reach out with any questions and let’s get the ball rolling. Showings are by appointment only; please call or text listing agent (James Kirk) to coordinate.
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2025-04-02soldstatus $158,000
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2025-03-06soldstatus $158,000 Closed 675-char remark
Show marketing remark (675 chars)
Investor Alert! Welcome to 535 Oakland Ave! This semi-detached, tenant-occupied brick colonial is a fantastic investment opportunity. With 1,740 sqft, the property is configured as 2 units, featuring a total of 4 bedrooms and 3 full baths. The second unit offers a private entrance, enhancing tenant appeal and rental flexibility. Additional features include a fenced backyard and a basement for added storage or potential use. Located in a convenient area, this multi-unit property is perfect for generating steady rental income or value-add opportunities. Schedule your private showing today! Property is one of five in a portfolio, see agent comments for more information.
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2025-02-15status Pending 675-char remark
Show marketing remark (675 chars)
Investor Alert! Welcome to 535 Oakland Ave! This semi-detached, tenant-occupied brick colonial is a fantastic investment opportunity. With 1,740 sqft, the property is configured as 2 units, featuring a total of 4 bedrooms and 3 full baths. The second unit offers a private entrance, enhancing tenant appeal and rental flexibility. Additional features include a fenced backyard and a basement for added storage or potential use. Located in a convenient area, this multi-unit property is perfect for generating steady rental income or value-add opportunities. Schedule your private showing today! Property is one of five in a portfolio, see agent comments for more information.
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2024-12-19status Active 675-char remark
Show marketing remark (675 chars)
Investor Alert! Welcome to 535 Oakland Ave! This semi-detached, tenant-occupied brick colonial is a fantastic investment opportunity. With 1,740 sqft, the property is configured as 2 units, featuring a total of 4 bedrooms and 3 full baths. The second unit offers a private entrance, enhancing tenant appeal and rental flexibility. Additional features include a fenced backyard and a basement for added storage or potential use. Located in a convenient area, this multi-unit property is perfect for generating steady rental income or value-add opportunities. Schedule your private showing today! Property is one of five in a portfolio, see agent comments for more information.
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2024-11-27historical 675-char remark
Show marketing remark (675 chars)
Investor Alert! Welcome to 535 Oakland Ave! This semi-detached, tenant-occupied brick colonial is a fantastic investment opportunity. With 1,740 sqft, the property is configured as 2 units, featuring a total of 4 bedrooms and 3 full baths. The second unit offers a private entrance, enhancing tenant appeal and rental flexibility. Additional features include a fenced backyard and a basement for added storage or potential use. Located in a convenient area, this multi-unit property is perfect for generating steady rental income or value-add opportunities. Schedule your private showing today! Property is one of five in a portfolio, see agent comments for more information.
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2024-11-21$169,989 Active 675-char remark
Show marketing remark (675 chars)
Investor Alert! Welcome to 535 Oakland Ave! This semi-detached, tenant-occupied brick colonial is a fantastic investment opportunity. With 1,740 sqft, the property is configured as 2 units, featuring a total of 4 bedrooms and 3 full baths. The second unit offers a private entrance, enhancing tenant appeal and rental flexibility. Additional features include a fenced backyard and a basement for added storage or potential use. Located in a convenient area, this multi-unit property is perfect for generating steady rental income or value-add opportunities. Schedule your private showing today! Property is one of five in a portfolio, see agent comments for more information.
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2024-11-20historical $169,989 675-char remark
Show marketing remark (675 chars)
Investor Alert! Welcome to 535 Oakland Ave! This semi-detached, tenant-occupied brick colonial is a fantastic investment opportunity. With 1,740 sqft, the property is configured as 2 units, featuring a total of 4 bedrooms and 3 full baths. The second unit offers a private entrance, enhancing tenant appeal and rental flexibility. Additional features include a fenced backyard and a basement for added storage or potential use. Located in a convenient area, this multi-unit property is perfect for generating steady rental income or value-add opportunities. Schedule your private showing today! Property is one of five in a portfolio, see agent comments for more information.
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2024-03-14historical $825
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2023-12-22$825
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2016-10-29historical
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2016-10-29historical Withdrawn
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2016-09-23Active
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2016-09-23$85,000
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2013-09-21historical
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2013-09-21historical
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2013-07-24price
-
2013-07-18price
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2013-06-28Active
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2013-06-28$99,000
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2013-05-07soldstatus $30,000
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2013-05-07soldstatus $30,000 Sold
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2013-05-02soldstatus $60,000
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2013-04-26historical
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2013-03-07status Contract
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2013-03-07historical
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2013-02-22$39,900 Active
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2013-02-21$39,900
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2006-01-03soldstatus $42,428
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2004-12-08soldstatus $124,086
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1998-06-17historical
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1997-12-05
ⓘ 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
- $781 · $65/mo
- Projected year-2 tax
- $1,426 · $119/mo
- Expected delta
- +$645/yr (+$54/mo · 82.5%)
ⓘ 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
Nearby sold comps map
Loading sold comps map…
Walkable amenities ~0.75 mi
Loading nearby amenities…
Taxation est. · year 1
- Rental income
- $24,990
- − Mortgage interest
- −$10,643
- − Property taxes
- −$781
- − Insurance
- −$950
- − Repairs & maintenance
- −$1,999
- − Management
- −$1,999
- − Depreciation
- −$5,527
- Taxable income
- $3,090
- Est. tax owed @ 24.0%
- −$742
- After-tax cash flow
- $5,313/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
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)
- 33,974
- Household income
- $96,685
- Rent vs Own
- Severe rent burden
- 769.0
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
- Diverse neighborhood (Simpson 0.64)
- Race & ethnicity
- White 49% Black 35% Two or more races 9% Hispanic / Latino 7% Asian 4%
- Hispanic origin (detail)
- Mexican 1% Puerto Rican 1%
- Common ancestry
- Romanian 3% Italian 2% Slovak 2%
- Foreign-born
- 9% · Canada, China
- Languages at home
- 87% English-only · Spanish 5% Other Indo-European 2% French/Haitian/Cajun 1%
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
- ▼ -392.44%
- Current HPI
- 267.4569
- Rent YoY
- ▲ 4.65%
- 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 |
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| Utilities | 1 | $25B |
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| Hotels | 1 | $24B |
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| Consumer Goods | 1 | $7B |
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| Real Estate | 1 | $6B |
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| Chemicals | 1 | $2B |
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Price history
+53.1% since first listed33 events — show timeline
- 2026-04-23 Listed $190,000 BRIGHT MLS
- 2026-04-20 Coming Soon $190,000 BRIGHT MLS
- 2025-04-02 Sold (Public Records) $158,000 Public Records
- 2025-03-06 Sold (MLS) $158,000 BRIGHT MLS
- 2025-02-15 Pending — BRIGHT MLS
- 2024-12-19 Relisted — BRIGHT MLS
- 2024-11-27 Listing Removed — BRIGHT MLS
- 2024-11-21 Listed $169,989 BRIGHT MLS
- 2024-11-20 Coming Soon $169,989 BRIGHT MLS
- 2024-03-14 Rental Removed $825 APPFOLIO
- 2023-12-22 Listed for Rent $825 APPFOLIO
- 2016-10-29 Delisted — MRIS
- 2016-10-29 Listing Removed — BRIGHT MLS
- 2016-09-23 Listed — MRIS
- 2016-09-23 Listed $85,000 BRIGHT MLS
- 2013-09-21 Delisted — MRIS
- 2013-09-21 Listing Removed — BRIGHT MLS
- 2013-07-24 Price Changed — MRIS
- 2013-07-18 Price Changed — MRIS
- 2013-06-28 Listed — MRIS
- 2013-06-28 Listed $99,000 BRIGHT MLS
- 2013-05-07 Sold (MLS) $30,000 MRIS
- 2013-05-07 Sold (MLS) $30,000 BRIGHT MLS
- 2013-05-02 Sold (Public Records) $60,000 Public Records
- 2013-04-26 Delisted — MRIS
- 2013-03-07 Pending — MRIS
- 2013-03-07 Listing Removed — BRIGHT MLS
- 2013-02-22 Listed $39,900 MRIS
- 2013-02-21 Listed $39,900 BRIGHT MLS
- 2006-01-03 Sold (Public Records) $42,428 Public Records
- 2004-12-08 Sold (Public Records) $124,086 Public Records
- 1998-06-17 Delisted — MRIS
- 1997-12-05 Listed — MRIS
Property tax history
+0.9%/yrLatest (2025): $781 · +3.0% YoY. Source: county tax records.
Cash-flow waterfall
monthlySold comps — $/sqft
last 12 mo · ≤1 miLoading sold comps…