514 S Luzerne 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 8/10 · 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 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 +17.7/30.0
- ARV discount +15.0/15.0
- DSCR +5.5/10.0
- 1% rule +5.2/10.0
- Livability +3.8/5.0
- Rent growth +2.8/5.0
- Condition / age +2.5/5.0
- Schools +1.0/10.0
- Appreciation +0.0/10.0
$225,000
🖨 Deal sheet (PDF) 📄 Offer letter ✓ Due diligence
Listing remarks MLS
A true 12.5 ft wide Canton Classic, 514 S Luzerne offers a welcoming brick facade along with a charming street presence. The angled front parking is a standout convenience, and the street itself has a great vibe that immediately feels welcoming. Inside, the living room is anchored by a wood burning stove that adds character, and a true focal point, perfect for cozy nights at home. The layout provides comfortable, functional living space with a natural flow and the flexibility to personalize over time without taking on a major project all at once. The full basement with 6 ft+ ceilings houses the laundry and offers plenty of storage along with potential for future use, whether that’s a workout area, hobby space, or added flexibility for daily living. Just moments from Canton’s shops, restaurants, parks, and waterfront, this location delivers walkability, community, and convenience. This great vibe Baltimore row home highlights practical features, and the opportunity to make it your own.
Key facts
- Full basement
- Brick facade
- Over 6 foot ceilings
Tags
Neighborhood map
What this means for you Summary
Snapshot
- This is a 2-bed/1.0-bath townhouse listed at $225k.
Deal economics
- At list price, monthly cash flow is $181 ($2k/yr) — positive.
- The deal already cash-flows at list — no discount required.
- Meets the 1% rule at list price ($2k rent vs $225k).
- Cap rate 7.3% vs local median 6.0% in Baltimore — meaningfully above typical; check what's discounted (condition, days-on-market, listing class) to confirm the premium yield is real.
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 (+1.3%/yr); 391 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals at typical pace (median 24d on market — plan ~3-4 weeks tenant-placement turnaround); 48% of comp listings sitting > 30 days — soft ceiling on asking rent; solid renter incomes; 1,273 units permitted in Baltimore city in 2024 (1,104 in 5+ unit buildings).
- This rent runs 31% of the median local income ($89k/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 $7k 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.
Negotiation context
- Only 13 days on market — expect competitive offers; lowballing is unlikely to land.
- 8 sale attempts since 28y ago; this cycle's ask has dropped $35k (13%) from the opening price — seller is motivated, your offer sets the floor, not the list.
- Current owner paid $170k; 32% above their basis — modest negotiation headroom, anchor on the comps not their cost.
Risks & watch-outs
- Watch-outs: built in 1920 — 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
- Built in 1920 — 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
- 1.02% ✓
- Cap rate
- 7.26%
- Cash-on-cash
- 3.46%
- DSCR
- 1.15
- GRM
- 8.2
CMA / ARV
- ARV (median comp)
- $318,889
- List price
- $225,000
- Delta
- -21.92%
- 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 |
|---|---|---|---|---|---|---|---|
| 2428 Fleet St | 0.09mi | 2/2.5 | 1,300 (-2%) | 1mo | $285,000 | $219 | 86 |
| 2515 Boston St #706 | 0.37mi | 2/2.0 | 1,308 (-1%) | 1mo | $439,000 | $336 | 76 |
| 280 S Robinson St | 0.46mi | 2/1.0 | 1,282 (-3%) | 1mo | $294,000 | $229 | 73 |
| 145 N Milton Ave | 0.59mi | 2/2.0 | 1,353 (+2%) | 1mo | $260,000 | $192 | 64 |
| 325 S Castle St | 0.42mi | 2/1.5 | 1,196 (-10%) | 0mo | $275,000 | $230 | 62 |
| 220 N Luzerne Ave | 0.66mi | 3/1.0 (+1) | 1,372 (+4%) | 1mo | $120,000 | $87 | 57 |
| 219 S Washington St | 0.50mi | 3/2.0 (+1) | 1,434 (+8%) | 0mo | $350,000 | $244 | 53 |
| 14 N Wolfe St N | 0.73mi | 2/2.0 | 1,424 (+8%) | 1mo | $292,000 | $205 | 49 |
| 36 N Decker Ave | 0.62mi | 3/2.0 (+1) | 1,430 (+8%) | 0mo | $325,000 | $227 | 48 |
| 705 S Regester St | 0.66mi | 2/1.5 | 1,176 (-11%) | 1mo | $340,000 | $289 | 48 |
| 18 S Washington St | 0.62mi | 3/3.0 (+1) | 1,410 (+7%) | 0mo | $318,000 | $226 | 47 |
| 122 Ellwood Ave | 0.67mi | 3/1.5 (+1) | 1,200 (-9%) | 0mo | $235,000 | $196 | 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 · 1.31% rent growth · sell at horizon
- IRR
- -12.8%
- Equity multiple
- 0.55×
- Total profit
- $-28,650
- Equity at exit
- $33,548
- IRR
- -6.7%
- Equity multiple
- 0.60×
- Total profit
- $-24,925
- Equity at exit
- $19,454
Cash invested: $63,000 (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 21224
- Rents YoY
- 1.3%
- Active inventory
- 391
- Price-to-rent
- 8.2×
Monthly cashflow live
- Estimated rent
- $2,288 high interval (Pro) →
- Mortgage (P&I)
- −$1,180
- Tax from tax record
- −$353 /mo · $4,232/yr
- Insurance
- −$94
- HOA
- −$0
- Vacancy / Maint / Mgmt
- −$481
- Net cashflow
- $181
Break-even live
Sensitivity live
| Price | -10% $309 | -5% $245 | +0% $181 | +5% $118 | +10% $54 |
|---|---|---|---|---|---|
| Rent | -10% $1 | -5% $91 | +0% $181 | +5% $272 | +10% $362 |
| Rate | -1.0pp $295 | -0.5pp $239 | base $181 | +0.5pp $123 | +1.0pp $64 |
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
- $56,250
- Closing costs
- $6,750
- 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 |
|---|---|---|---|---|---|---|---|---|
| 513 S Madeira St Baltimore, MD | 2.0 | 2.0 | 1132 | $2,000 | $1.77 | 5d | 1 | 0.26mi |
| 2217 Fleet St Baltimore, MD | 3.0 | 2.0 | 1598 | $2,700 | $1.69 | 11d | 1 | 0.26mi |
| 411 S Madeira St Baltimore, MD | 2.0 | 2.0 | 1312 | $2,150 | $1.64 | 44d | 1 | 0.27mi |
| 825 S Port St Baltimore, MD | 2.0 | 1.5 | 1316 | $2,800 | $2.13 | 44d | 1 | 0.27mi |
| 2210 Cambridge St Baltimore, MD | 3.0 | 3.5 | 1450 | $2,725 | $1.88 | 44d | 1 | 0.30mi |
| 227 S Madeira St Baltimore, MD | 2.0 | 2.5 | 1100 | $2,200 | $2.00 | 44d | 1 | 0.33mi |
| 825 S Linwood Ave Baltimore, MD | 1.0 | 1.0 | 1000 | $2,150 | $2.15 | 24d | 1 | 0.34mi |
| 328 S Collington Ave Baltimore, MD | 2.0 | 2.0 | 1100 | $2,300 | $2.09 | 44d | 1 | 0.35mi |
| 2515 Boston St Baltimore, MD | 1.0 | 1.0 | 1077 | $1,900 | $1.76 | 20d | 1 | 0.40mi |
| 102 S Curley St Baltimore, MD | 2.0 | 1.5 | 1200 | $1,800 | $1.50 | 5d | 1 | 0.42mi |
| 2018 Fountain St Baltimore, MD | 2.0 | 1.0 | 1000 | $1,550 | $1.55 | 18d | 1 | 0.44mi |
| 3036 Hudson St Baltimore, MD | 2.0 | 2.5 | 1428 | $2,600 | $1.82 | 44d | 1 | 0.44mi |
| 2013 Fleet St Baltimore, MD | 3.0 | 2.5 | 1565 | $3,100 | $1.98 | 13d | 1 | 0.45mi |
| 9 N Luzerne Ave Baltimore, MD | 3.0 | 2.5 | 1380 | $2,450 | $1.78 | 5d | 1 | 0.46mi |
| 10 N Streeper St Baltimore, MD | 3.0 | 2.5 | 1440 | $2,500 | $1.74 | 24d | 1 | 0.49mi |
| 11 N Streeper St Baltimore, MD | 3.0 | 3.5 | 1800 | $2,600 | $1.44 | 44d | 1 | 0.49mi |
| 249 S East Ave Baltimore, MD | 2.0 | 2.0 | 1680 | $2,250 | $1.34 | 24d | 1 | 0.50mi |
| 16 N Bradford St Baltimore, MD | 2.0 | 3.5 | 930 | $2,400 | $2.58 | 5d | 1 | 0.51mi |
| 127 S Robinson St Baltimore, MD | 2.0 | 1.5 | 1400 | $2,000 | $1.43 | 44d | 1 | 0.52mi |
| 104 N Rose St Baltimore, MD | 3.0 | 2.0 | 936 | $2,500 | $2.67 | 44d | 1 | 0.52mi |
| 34 N Linwood Ave Baltimore, MD | 2.0 | 1.5 | 1288 | $2,400 | $1.86 | 24d | 1 | 0.53mi |
| 1904 Bank St Baltimore, MD | 3.0 | 3.5 | 1792 | $3,250 | $1.81 | 44d | 1 | 0.54mi |
| 1900 Thames St Baltimore, MD | 1.0 | 1.0 | 975 | $3,039 | $3.12 | 44d | 1 | 0.54mi |
| 1900 Thames St Baltimore, MD | 1.0 | 1.0 | 975 | $2,459 | $2.52 | 20d | 1 | 0.54mi |
| 127 N Glover St Baltimore, MD | 2.0 | 1.5 | 1110 | $2,100 | $1.89 | 3d | 1 | 0.55mi |
| 2242 E Fairmount Ave Baltimore, MD | 3.0 | 2.0 | 1345 | $2,850 | $2.12 | 44d | 1 | 0.56mi |
| 3245 Fait Ave Baltimore, MD | 3.0 | 2.0 | 1470 | $2,900 | $1.97 | 44d | 1 | 0.57mi |
| 400 S Highland Ave Unit 402 Baltimore, MD | 2.0 | 1.0 | 900 | $1,700 | $1.89 | 44d | 1 | 0.58mi |
| 2619 E Fayette St Baltimore, MD | 3.0 | 2.0 | 1600 | $1,900 | $1.19 | 44d | 1 | 0.58mi |
| 106 S Bouldin St Baltimore, MD | 2.0 | 3.0 | 1134 | $2,100 | $1.85 | 20d | 1 | 0.58mi |
| 2115 E Fairmount Ave Baltimore, MD | 3.0 | 2.5 | 1736 | $2,795 | $1.61 | 24d | 1 | 0.59mi |
| 108 N Madeira St Baltimore, MD | 2.0 | 2.0 | 1098 | $1,900 | $1.73 | 44d | 1 | 0.59mi |
| 2809 Boston St Baltimore, MD | 1.0–3.0 | 1.0–3.0 | 1246 | $2,868 | $2.30 | 2d | 11 | 0.60mi |
| 251 S Durham St Baltimore, MD | 2.0 | 1.5 | 1120 | $2,300 | $2.05 | 24d | 1 | 0.60mi |
| 1820 Lancaster St Unit 3-A Baltimore, MD | 1.0 | 1.0 | 1000 | $1,900 | $1.90 | 44d | 1 | 0.60mi |
| 1820 Lancaster St Unit 1-A Baltimore, MD | 1.0 | 1.0 | 1000 | $1,850 | $1.85 | 44d | 1 | 0.60mi |
| 17 S Washington St Baltimore, MD | 1.0 | 1.0 | 1692 | $800 | $0.47 | 24d | 1 | 0.60mi |
| 2608 E Fayette St Unit 1 Baltimore, MD | 2.0 | 1.0 | 900 | $1,700 | $1.89 | 15d | 1 | 0.60mi |
| 2317 E Fayette St Baltimore, MD | 3.0 | 1.5 | 1315 | $2,000 | $1.52 | 13d | 1 | 0.61mi |
| 2410 E Fayette St Baltimore, MD | 3.0 | 1.0 | 1224 | $1,800 | $1.47 | 44d | 1 | 0.61mi |
Listing history 39 events
-
2026-06-18days on market $225,000 Active 13 DOM
-
2026-06-17days on market $225,000 Active 12 DOM
-
2026-06-16days on market $225,000 Active 11 DOM
-
2026-06-15days on market $225,000 Active 10 DOM
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2026-06-13days on market $225,000 Active 8 DOM
-
2026-06-09days on market $225,000 Active 4 DOM
-
2026-06-08days on market $225,000 Active 3 DOM
-
2026-06-07pricedays on market $225,000 Active 2 DOM
-
2026-04-10price $249,000 1011-char remark
Show marketing remark (1011 chars)
A true 12.5 ft wide Canton Classic, 514 S Luzerne offers a welcoming brick facade along with a charming street presence. The angled front parking is a standout convenience, and the street itself has a great vibe that immediately feels welcoming. Inside, the living room is anchored by a wood burning stove that adds character, and a true focal point, perfect for cozy nights at home. The layout provides comfortable, functional living space with a natural flow and the flexibility to personalize over time without taking on a major project all at once. The full basement with 6 ft+ ceilings houses the laundry and offers plenty of storage along with potential for future use, whether that’s a workout area, hobby space, or added flexibility for daily living. Just moments from Canton’s shops, restaurants, parks, and waterfront, this location delivers walkability, community, and convenience. This great vibe Baltimore row home highlights practical features, and the opportunity to make it your own.
-
2026-02-13$260,000 Active 1011-char remark
Show marketing remark (1011 chars)
A true 12.5 ft wide Canton Classic, 514 S Luzerne offers a welcoming brick facade along with a charming street presence. The angled front parking is a standout convenience, and the street itself has a great vibe that immediately feels welcoming. Inside, the living room is anchored by a wood burning stove that adds character, and a true focal point, perfect for cozy nights at home. The layout provides comfortable, functional living space with a natural flow and the flexibility to personalize over time without taking on a major project all at once. The full basement with 6 ft+ ceilings houses the laundry and offers plenty of storage along with potential for future use, whether that’s a workout area, hobby space, or added flexibility for daily living. Just moments from Canton’s shops, restaurants, parks, and waterfront, this location delivers walkability, community, and convenience. This great vibe Baltimore row home highlights practical features, and the opportunity to make it your own.
-
2026-02-11historical $260,000 1011-char remark
Show marketing remark (1011 chars)
A true 12.5 ft wide Canton Classic, 514 S Luzerne offers a welcoming brick facade along with a charming street presence. The angled front parking is a standout convenience, and the street itself has a great vibe that immediately feels welcoming. Inside, the living room is anchored by a wood burning stove that adds character, and a true focal point, perfect for cozy nights at home. The layout provides comfortable, functional living space with a natural flow and the flexibility to personalize over time without taking on a major project all at once. The full basement with 6 ft+ ceilings houses the laundry and offers plenty of storage along with potential for future use, whether that’s a workout area, hobby space, or added flexibility for daily living. Just moments from Canton’s shops, restaurants, parks, and waterfront, this location delivers walkability, community, and convenience. This great vibe Baltimore row home highlights practical features, and the opportunity to make it your own.
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2025-05-23historical $1,599
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2025-05-22$1,599
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2025-05-22historical $1,599
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2025-05-17price $1,599
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2025-05-13$1,699
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2025-05-13historical $1,699
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2025-04-23price $1,699
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2025-04-03price $1,799
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2025-03-18price $1,875
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2025-02-17$1,950
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2018-09-05soldstatus $170,000
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2018-08-02soldstatus $170,000 Sold 352-char remark
Show marketing remark (352 chars)
Great Potential Or Investor Opportunity - 2 Bed / 1 Bath Canton Home Just Steps From Patterson Park w/ Good Proximity To All Canton Has To Offer! 12.5 Feet Wide w/ Exposed Brick. Wood Stove In Living Room. Rear Courtyard. Spacious Unfinished Basement w/ 6.3 Feet Ceilings Could Be Finished. Do Not Miss This Opportunity! * AS-IS w/ 7 Day Inspections *
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2018-08-02soldstatus $170,000 Closed
Show marketing remark (352 chars)
Great Potential Or Investor Opportunity - 2 Bed / 1 Bath Canton Home Just Steps From Patterson Park w/ Good Proximity To All Canton Has To Offer! 12.5 Feet Wide w/ Exposed Brick. Wood Stove In Living Room. Rear Courtyard. Spacious Unfinished Basement w/ 6.3 Feet Ceilings Could Be Finished. Do Not Miss This Opportunity! * AS-IS w/ 7 Day Inspections *
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2018-07-16status Pending
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2018-07-02historical Active Under Contract
Show marketing remark (352 chars)
Great Potential Or Investor Opportunity - 2 Bed / 1 Bath Canton Home Just Steps From Patterson Park w/ Good Proximity To All Canton Has To Offer! 12.5 Feet Wide w/ Exposed Brick. Wood Stove In Living Room. Rear Courtyard. Spacious Unfinished Basement w/ 6.3 Feet Ceilings Could Be Finished. Do Not Miss This Opportunity! * AS-IS w/ 7 Day Inspections *
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2018-07-02status Contingent (No Kick Out) 352-char remark
Show marketing remark (352 chars)
Great Potential Or Investor Opportunity - 2 Bed / 1 Bath Canton Home Just Steps From Patterson Park w/ Good Proximity To All Canton Has To Offer! 12.5 Feet Wide w/ Exposed Brick. Wood Stove In Living Room. Rear Courtyard. Spacious Unfinished Basement w/ 6.3 Feet Ceilings Could Be Finished. Do Not Miss This Opportunity! * AS-IS w/ 7 Day Inspections *
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2018-06-22$175,000 Active 352-char remark
Show marketing remark (352 chars)
Great Potential Or Investor Opportunity - 2 Bed / 1 Bath Canton Home Just Steps From Patterson Park w/ Good Proximity To All Canton Has To Offer! 12.5 Feet Wide w/ Exposed Brick. Wood Stove In Living Room. Rear Courtyard. Spacious Unfinished Basement w/ 6.3 Feet Ceilings Could Be Finished. Do Not Miss This Opportunity! * AS-IS w/ 7 Day Inspections *
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2018-06-22$175,000 Active
Show marketing remark (352 chars)
Great Potential Or Investor Opportunity - 2 Bed / 1 Bath Canton Home Just Steps From Patterson Park w/ Good Proximity To All Canton Has To Offer! 12.5 Feet Wide w/ Exposed Brick. Wood Stove In Living Room. Rear Courtyard. Spacious Unfinished Basement w/ 6.3 Feet Ceilings Could Be Finished. Do Not Miss This Opportunity! * AS-IS w/ 7 Day Inspections *
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2004-12-13soldstatus $194,000
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2004-11-19soldstatus $194,000
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2004-09-23historical
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2004-06-03$199,999
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1998-06-01soldstatus $63,000
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1998-06-01soldstatus $63,000
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1998-04-29soldstatus $63,000
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1998-03-09historical
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1998-01-29$64,900
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1991-11-12soldstatus $58,000
ⓘ 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
- $4,232 · $353/mo
- Projected year-2 tax
- $4,232 · $353/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 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
- $27,460
- − Mortgage interest
- −$12,603
- − Property taxes
- −$4,232
- − Insurance
- −$1,125
- − Repairs & maintenance
- −$2,197
- − Management
- −$2,197
- − Depreciation
- −$6,545
- Taxable loss
- −$1,439
- Est. tax savings @ 24.0%
- +$345
- After-tax cash flow
- $2,523/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)
- 47,465
- Household income
- $89,017
- Rent vs Own
- Severe rent burden
- 1786.0
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 0.62)
- 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
- 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
- ▼ -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 |
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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
+329.3% since first listed31 events — show timeline
- 2026-04-10 Price Changed $249,000 BRIGHT MLS
- 2026-02-13 Listed $260,000 BRIGHT MLS
- 2026-02-11 Coming Soon $260,000 BRIGHT MLS
- 2025-05-23 Rental Removed $1,599 APPFOLIO
- 2025-05-22 Listed for Rent $1,599 APPFOLIO
- 2025-05-22 Rental Removed $1,599 BRIGHTMLS
- 2025-05-17 Price Changed $1,599 BRIGHTMLS
- 2025-05-13 Listed for Rent $1,699 BRIGHTMLS
- 2025-05-13 Rental Removed $1,699 APPFOLIO
- 2025-04-23 Price Changed $1,699 APPFOLIO
- 2025-04-03 Price Changed $1,799 APPFOLIO
- 2025-03-18 Price Changed $1,875 APPFOLIO
- 2025-02-17 Listed for Rent $1,950 APPFOLIO
- 2018-09-05 Sold (Public Records) $170,000 Public Records
- 2018-08-02 Sold (MLS) $170,000 BRIGHT MLS
- 2018-08-02 Sold (MLS) $170,000 MRIS
- 2018-07-16 Pending — BRIGHT MLS
- 2018-07-02 Contingent — BRIGHT MLS
- 2018-07-02 Pending — MRIS
- 2018-06-22 Listed $175,000 BRIGHT MLS
- 2018-06-22 Listed $175,000 MRIS
- 2004-12-13 Sold (Public Records) $194,000 Public Records
- 2004-11-19 Sold (MLS) $194,000 MRIS
- 2004-09-23 Delisted — MRIS
- 2004-06-03 Listed $199,999 MRIS
- 1998-06-01 Sold (Public Records) $63,000 Public Records
- 1998-06-01 Sold (Public Records) $63,000 Public Records
- 1998-04-29 Sold (MLS) $63,000 MRIS
- 1998-03-09 Delisted — MRIS
- 1998-01-29 Listed $64,900 MRIS
- 1991-11-12 Sold (Public Records) $58,000 Public Records
Property tax history
-1.7%/yrLatest (2025): $4,232 · +4.4% YoY. Source: county tax records.
Cash-flow waterfall
monthlySold comps — $/sqft
last 12 mo · ≤1 miLoading sold comps…