2736 Mura St · Baltimore, MD 21213

$74,900

3 bd · 2.0 ba · 1,540 sqft · Townhouse public records · 19 Days on market

Built 1941 1,306 sqft lot $49/sqft · 52% below area Est $113k · 34% under

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Why this score? — see what drove the A- 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 +30.0/30.0
• ARV discount +15.0/15.0
• 1% rule +10.0/10.0
• DSCR +10.0/10.0
• 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 MLS

Nestled in the Berea-Biddle Street Historic District, this colonial townhouse exudes character and features a classic brick façade that invites you in. Venture inside to discover a spacious 1,540 sq. ft with vinyl plank flooring that flows seamlessly from the living, dining and kitchen areas. The eat-in kitchen, equipped with upgraded granite countertops and custom-made white cabinetry, enhance both functionality and style. The upper level showcases three comfortable bedrooms that provide ample space for relaxation, and two full bathrooms, including a tub shower that cater to your daily needs. The unfinished basement offers endless possibilities-transform it into a recreation room, home gym, or additional storage space. Outside, the rear yard presents a private retreat for outdoor activities allowing you to enjoy the fresh air right at home. Experience living in this vibrant community, which has easy access to local dining, market and parks. Don't miss the opportunity to make this home your own!

Key facts

• Classic brick façade
• Unfinished basement
• Eat-in kitchen

Tags

• CLASSIC BRICK FAÇADE
• VINYL PLANK FLOORING
• EAT-IN KITCHEN
• UPGRADED GRANITE COUNTERTOPS
• CUSTOM-MADE WHITE CABINETRY
• UNFINISHED BASEMENT

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath townhouse listed at $75k.

Deal economics

• At list price, monthly cash flow is $813 ($10k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $75k).
• Recommended offer: $74k (1.5% below list) — sets the bar for market timing.
• Cap rate 19.3% 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 lingering (median 44d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 52% of comp listings sitting > 30 days — soft ceiling on asking rent; 1,273 units permitted in Baltimore city in 2024 (1,104 in 5+ unit buildings).
• This rent runs 43% 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 $93 of equity ($518 loan paydown + $-425 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 $21k cash investment doubles in ~3 years — after that, you're playing with house money.

Negotiation context

• It's been on market 19 days — a 2% lower offer ($74k) is reasonable based on typical stale-listing flexibility.
• 7 sale attempts since 17y 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: property tax is 3.6% of price; built in 1941 — 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 $73,776 (1.5% below list)

Questions for the listing agent

1. Built in 1941 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
2. Property tax is high relative to price — has the assessment been appealed recently, and will the sale trigger a re-assessment?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. 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?
5. 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?
6. 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.
7. 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.
8. 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: 2.47% ✓
• Cap rate: 19.32%
• Cash-on-cash: 46.54%
• DSCR: 3.07
• GRM: 3.4

CMA / ARV

• ARV (median comp): $113,405
• List price: $74,900
• Delta: -33.95%
• 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
1106 N Lakewood Ave	0.11mi	3/1.0	1,538 (-0%)	3mo	$50,000	$33	88
1418 N Linwood Ave	0.18mi	3/1.0	1,356 (-12%)	0mo	$90,000	$66	68
1411 Kenhill Ave	0.15mi	4/2.0 (+1)	1,356 (-12%)	1mo	$240,000	$177	68
2220 Henneman Ave	0.40mi	3/2.5	1,440 (-6%)	1mo	$190,000	$132	68
2422 E Federal St	0.35mi	3/1.0	1,350 (-12%)	1mo	$55,000	$41	58
427 N Lakewood Ave	0.63mi	3/2.0	1,680 (+9%)	3mo	$159,000	$95	53
3202 Mcelderry St	0.62mi	3/2.5	1,684 (+9%)	1mo	$185,000	$110	53
3019 Mcelderry St	0.58mi	4/2.5 (+1)	1,674 (+9%)	1mo	$244,000	$146	51
1009 N Washington St N	0.62mi	2/2.5 (-1)	1,386 (-10%)	0mo	$235,000	$170	47
220 N Luzerne Ave	0.72mi	3/1.0	1,372 (-11%)	1mo	$120,000	$87	44
1023 Rutland Ave	0.75mi	3/2.5	1,760 (+14%)	2mo	$380,000	$216	38
2211 Jefferson St	0.74mi	3/1.0	1,310 (-15%)	2mo	$90,000	$69	35

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: 49.7%
• Equity multiple: 3.48×
• Total profit: $52,034
• Equity at exit: $19,646

10-year hold

• IRR: 54.0%
• Equity multiple: 7.61×
• Total profit: $138,540
• Equity at exit: $21,996

Cash invested: $20,972 (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: 3.4×

Monthly cashflow live

• Estimated rent: $1,853 high
• Mortgage (P&I): −$393
• Tax from tax record: −$226 /mo · $2,718/yr
• Insurance: −$31
• HOA: −$0
• Vacancy / Maint / Mgmt: −$389
• Net cashflow: $813

Break-even live

Break-even rent $823

Max offer price $74,900

Occupancy floor 51%

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: $18,725
• Closing costs: $2,247
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
1323 N Kenwood Ave Unit 1 Baltimore, MD	2.0	1.5	1060	$1,350	$1.27	24d	1	0.06mi
2626 E Preston St Baltimore, MD	3.0	1.0	1136	$1,800	$1.58	44d	1	0.07mi
2706 E Biddle St Baltimore, MD	3.0	2.0	1577	$1,395	$0.88	44d	1	0.07mi
2621 E Oliver St Baltimore, MD	3.0	2.0	1600	$1,700	$1.06	24d	1	0.15mi
1403 N Linwood Ave Baltimore, MD	3.0	2.0	1660	$1,995	$1.20	44d	1	0.16mi
2430 E Biddle St Baltimore, MD	2.0	2.0	1300	$2,000	$1.54	44d	1	0.23mi
2522 E Federal St Baltimore, MD	2.0	2.0	1760	$1,400	$0.80	44d	1	0.27mi
1215 N Ellwood Ave Baltimore, MD	3.0	1.0	1128	$1,795	$1.59	24d	1	0.27mi
809 N Curley St Baltimore, MD	3.0	1.0	1746	$1,400	$0.80	22d	1	0.41mi
2215 E Biddle St Baltimore, MD	2.0	2.5	1350	$1,800	$1.33	44d	1	0.42mi
2815 E Madison St Baltimore, MD	4.0	2.0	1300	$2,500	$1.92	44d	1	0.42mi
724 N Curley St Baltimore, MD	3.0	3.0	1500	$2,200	$1.47	4d	1	0.45mi
718 N Curley St Baltimore, MD	3.0	3.0	1500	$2,000	$1.33	4d	1	0.46mi
2202 Prentiss Pl Baltimore, MD	3.0	2.0	1400	$2,400	$1.71	44d	1	0.46mi
1829 N Port St Baltimore, MD	3.0	1.5	2000	$1,625	$0.81	44d	1	0.48mi
2934 E Monument St Baltimore, MD	2.0	1.0	1200	$1,499	$1.25	44d	1	0.50mi
627 N Lakewood Ave Baltimore, MD	3.0	2.5	1175	$1,900	$1.62	22d	1	0.52mi
2608 McElderry St Baltimore, MD	3.0	1.0	1144	$1,550	$1.35	24d	1	0.56mi
821 N Collington Ave Baltimore, MD	3.0	2.0	1150	$1,950	$1.70	44d	1	0.57mi
531 N Belnord Ave Baltimore, MD	2.0	1.5	1100	$1,700	$1.55	24d	1	0.58mi
537 N Lakewood Ave Baltimore, MD	3.0	3.5	1755	$2,050	$1.17	44d	1	0.58mi
533 N Lakewood Ave Baltimore, MD	4.0	3.5	1758	$4,500	$2.56	44d	1	0.58mi
539 N Luzerne Ave Baltimore, MD	3.0	2.5	1702	$2,300	$1.35	44d	1	0.58mi
618 N Montford Ave Baltimore, MD	3.0	1.0	1050	$1,468	$1.40	44d	1	0.59mi
618 N Montford Ave Baltimore, MD	3.0	1.0	1050	$1,468	$1.40	15d	1	0.59mi
2431 McElderry St Baltimore, MD	4.0	2.5	1600	$2,100	$1.31	44d	1	0.62mi
2212 E Monument St Unit 2 Baltimore, MD	2.0	1.0	1200	$1,550	$1.29	18d	1	0.62mi
2903 Jefferson St Baltimore, MD	3.0	3.0	1609	$1,850	$1.15	44d	1	0.65mi
415 N Glover St Baltimore, MD	2.0	2.5	1092	$1,600	$1.47	24d	1	0.67mi
3304 McElderry St Baltimore, MD	3.0	2.0	1413	$1,900	$1.34	44d	1	0.67mi
425 N Milton Ave Baltimore, MD	3.0	1.0	1200	$1,525	$1.27	15d	1	0.69mi
2800 Orleans St Baltimore, MD	3.0	1.0	1404	$1,600	$1.14	18d	1	0.70mi
2800 Orleans St Baltimore, MD	3.0	1.0	1404	$1,600	$1.14	15d	1	0.70mi
1629 N Wolfe St Baltimore, MD	3.0	3.0	1561	$1,800	$1.15	24d	1	0.70mi
3326 Elmora Ave Baltimore, MD	3.0	1.0	1200	$1,450	$1.21	24d	1	0.71mi
2113 Belair Rd Baltimore, MD	3.0	1.0	1344	$1,795	$1.34	44d	1	0.71mi
437 N Montford Ave Baltimore, MD	3.0	1.5	1100	$1,450	$1.32	44d	1	0.71mi
420 N Montford Ave Baltimore, MD	3.0	1.0	1350	$1,450	$1.07	44d	1	0.72mi
2815 Orleans St Baltimore, MD	2.0	1.0	1204	$1,600	$1.33	2d	1	0.72mi
3335 Lyndale Ave Baltimore, MD	2.0	2.0	1344	$1,600	$1.19	24d	1	0.73mi

Listing history 22 events

1. 2026-05-11
   status Pending 1017-char remark

   Show marketing remark (1017 chars)

   Nestled in the Berea-Biddle Street Historic District, this colonial townhouse exudes character and features a classic brick façade that invites you in. Venture inside to discover a spacious 1,540 sq. ft with vinyl plank flooring that flows seamlessly from the living, dining and kitchen areas. The eat-in kitchen, equipped with upgraded granite countertops and custom-made white cabinetry, enhance both functionality and style. The upper level showcases three comfortable bedrooms that provide ample space for relaxation, and two full bathrooms, including a tub shower that cater to your daily needs. The unfinished basement offers endless possibilities-transform it into a recreation room, home gym, or additional storage space. Outside, the rear yard presents a private retreat for outdoor activities allowing you to enjoy the fresh air right at home. Experience living in this vibrant community, which has easy access to local dining, market and parks. Don't miss the opportunity to make this home your own!

2. 2026-04-22
   listed $74,900 Active 1017-char remark

   Show marketing remark (1017 chars)

   Nestled in the Berea-Biddle Street Historic District, this colonial townhouse exudes character and features a classic brick façade that invites you in. Venture inside to discover a spacious 1,540 sq. ft with vinyl plank flooring that flows seamlessly from the living, dining and kitchen areas. The eat-in kitchen, equipped with upgraded granite countertops and custom-made white cabinetry, enhance both functionality and style. The upper level showcases three comfortable bedrooms that provide ample space for relaxation, and two full bathrooms, including a tub shower that cater to your daily needs. The unfinished basement offers endless possibilities-transform it into a recreation room, home gym, or additional storage space. Outside, the rear yard presents a private retreat for outdoor activities allowing you to enjoy the fresh air right at home. Experience living in this vibrant community, which has easy access to local dining, market and parks. Don't miss the opportunity to make this home your own!

3. 2026-04-14
   soldstatus $160,000
4. 2023-05-19
   soldstatus $240,000
5. 2017-07-03
   historical 130-char remark

   Show marketing remark (130 chars)

   Great chance for investment with good arv and part of a bundle package with 2831 E. Biddle street, Baltimore, Md 21213 for $50,000

6. 2017-06-29
   soldstatus $10,000 Sold 130-char remark

   Show marketing remark (130 chars)

   Great chance for investment with good arv and part of a bundle package with 2831 E. Biddle street, Baltimore, Md 21213 for $50,000

7. 2017-06-29
   soldstatus $10,000

   Show marketing remark (130 chars)

   Great chance for investment with good arv and part of a bundle package with 2831 E. Biddle street, Baltimore, Md 21213 for $50,000

8. 2017-05-08
   status Contract 130-char remark

   Show marketing remark (130 chars)

   Great chance for investment with good arv and part of a bundle package with 2831 E. Biddle street, Baltimore, Md 21213 for $50,000

9. 2017-05-03
   price $10,000 130-char remark

   Show marketing remark (130 chars)

   Great chance for investment with good arv and part of a bundle package with 2831 E. Biddle street, Baltimore, Md 21213 for $50,000

10. 2017-04-13
    listed $20,000 Active 130-char remark

    Show marketing remark (130 chars)

    Great chance for investment with good arv and part of a bundle package with 2831 E. Biddle street, Baltimore, Md 21213 for $50,000

11. 2012-07-31
    historical Expired
12. 2012-07-31
    historical
13. 2012-05-17
    price
14. 2012-04-04
    price
15. 2012-04-02
    status Active
16. 2012-04-01
    historical Expired
17. 2012-02-02
    listed Active
18. 2012-02-02
    listed $12,000
19. 2010-09-01
    historical Expired
20. 2010-09-01
    historical
21. 2009-10-02
    listed Active
22. 2009-10-02
    listed $55,000

ⓘ 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: $2,718 · $226/mo
• Projected year-2 tax: $2,718 · $226/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

Taxation est. · year 1

• Rental income: $22,235
• − Mortgage interest: −$4,196
• − Property taxes: −$2,718
• − Insurance: −$374
• − Repairs & maintenance: −$1,779
• − Management: −$1,779
• − Depreciation: −$2,179
• Taxable income: $9,211
• Est. tax owed @ 24.0%: −$2,211
• After-tax cash flow: $7,550/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

+36.2% since first listed

22 events — show timeline

• 2026-05-11 Pending — BRIGHT MLS
• 2026-04-22 Listed $74,900 BRIGHT MLS
• 2026-04-14 Sold (Public Records) $160,000 Public Records
• 2023-05-19 Sold (Public Records) $240,000 Public Records
• 2017-07-03 Delisted — MRIS
• 2017-06-29 Sold (MLS) $10,000 BRIGHT MLS
• 2017-06-29 Sold (MLS) $10,000 MRIS
• 2017-05-08 Pending — MRIS
• 2017-05-03 Price Changed $10,000 MRIS
• 2017-04-13 Listed $20,000 MRIS
• 2012-07-31 Delisted — MRIS
• 2012-07-31 Listing Removed — BRIGHT MLS
• 2012-05-17 Price Changed — MRIS
• 2012-04-04 Price Changed — MRIS
• 2012-04-02 Relisted — MRIS
• 2012-04-01 Delisted — MRIS
• 2012-02-02 Listed — MRIS
• 2012-02-02 Listed $12,000 BRIGHT MLS
• 2010-09-01 Delisted — MRIS
• 2010-09-01 Listing Removed — BRIGHT MLS
• 2009-10-02 Listed — MRIS
• 2009-10-02 Listed $55,000 BRIGHT MLS

Property tax history

+3.7%/yr

Latest (2025): $2,718 · +14.3% YoY. Source: county tax records.