133 Old Post Rd · Aberdeen, MD 21001

$200,000

2 bd · 1.5 ba · 1,604 sqft · SingleFamily public records · 5 Days on market

Built 1917 8,550 sqft lot Est $334k · 40% under

---

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 +22.1/30.0
• ARV discount +15.0/15.0
• DSCR +7.1/10.0
• 1% rule +4.9/10.0
• Livability +4.0/5.0
• Schools +2.9/10.0
• Rent growth +2.6/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks

* * * Offer Deadline Sunday 6/14 at 5PM * * * Welcome home to 133 Post Rd! This charming Aberdeen property perfectly blends comfort, convenience, and functional living space. As soon as you step inside, you will notice the great natural light that floods the main living areas, creating a warm and inviting atmosphere. The upstairs level features two comfortable bedrooms and a full bathroom. Head downstairs to the fully finished basement, a versatile space complete with a second full bathroom and a dedicated washer/dryer area—perfect for a family room, home office, or guest suite. The outdoor space is a rare find! Step out onto an incredibly spacious rear deck that is tailor-made f

Key facts

• Spacious rear deck
• 8,550 sq ft lot
• Built 1917

Tags

• FULLY FINISHED BASEMENT
• DEDICATED WASHER DRYER AREA
• SPACIOUS REAR DECK
• AMPLE OFF STREET PARKING

Property features AI

Exterior

• Parking: On-street parking; Off-street parking; Driveway
• Utilities: Public water; Public sewer; Natural gas hot water
• Home design: Single-family detached home; Entry level and number of stories not specified
• Construction: Vinyl siding exterior; Permanent foundation; Above-grade and below-grade finished spaces; Year built source: Assessor
• Exterior features: Detached structure; Vinyl siding; Property is inside city limits (Aberdeen); No tidal water

Interior

• Bedrooms: Two bedrooms on the main upper level
• Bathrooms: Two full bathrooms (one on upper level, one on lower level)
• Heating & cooling: Central heating (electric); Window unit cooling
• Interior features: Basement present (finished and unfinished areas)

What this means for you Summary

Snapshot

• This is a 2-bed/1.5-bath single-family listed at $200k.

Deal economics

• At list price, monthly cash flow is $322 ($4k/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 $199k (0.7% below list).
• Recommended offer: $199k (0.7% below list) — sets the bar for 1% rule.
• Cap rate 8.2% vs local median 4.8% in Aberdeen — 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 81/100 on livability (#42 in MD, #1,545 nationally) — a professional / high-income tenant draw. Strengths: commute A+, housing A+, health & safety A+; Watch: schools C-, crime F.
• Harford County Public Schools (suburban): math 22% / reading 39% proficiency, ranked #9 of 24 in MD (top 38%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: Rents flat; 187 active listings in the ZIP; 6 comparable units currently listed for rent nearby; rentals leasing fast (median 6d on market — plan ~1-2 weeks tenant-placement turnaround); solid renter incomes; 803 units permitted in Harford County in 2024 (26 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.

Negotiation context

• Only 5 days on market — expect competitive offers; lowballing is unlikely to land.
• Current owner paid $84k; list at $200k implies a 138% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: built in 1917 — 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 $198,504 (0.7% below list)

Questions for the listing agent

1. Built in 1917 — 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 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?
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: 0.99% ✗
• Cap rate: 8.22%
• Cash-on-cash: 6.89%
• DSCR: 1.31
• GRM: 8.4

CMA / ARV

• ARV (on-the-fly): $333,632
• Comps found: 5

Show comp detail 5 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
109 Edmund St	0.71mi	3/2.0 (+1)	1,482 (-8%)	1mo	$385,000	$260	47
408 Clover St	0.74mi	3/2.0 (+1)	1,490 (-7%)	5mo	$310,000	$208	43
414 S Parke St	0.73mi	3/2.0 (+1)	1,482 (-8%)	6mo	$296,000	$200	41
73 Baker St	0.71mi	3/1.0 (+1)	1,412 (-12%)	7mo	$274,900	$195	34
134 Mount Royal Ave	0.70mi	3/2.0 (+1)	1,514 (-6%)	21mo	$341,000	$225	34

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 · 0.28% rent growth · sell at horizon

5-year hold

• IRR: -8.6%
• Equity multiple: 0.69×
• Total profit: $-17,272
• Equity at exit: $29,821

10-year hold

• IRR: -2.8%
• Equity multiple: 0.83×
• Total profit: $-9,439
• Equity at exit: $17,292

Cash invested: $56,000 (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 21001

• Home prices YoY: -30.5%
• Rents YoY: 0.3%
• Active inventory: 187
• Price-to-rent: 8.4×

Monthly cashflow live

• Estimated rent: $1,985 high
• Mortgage (P&I): −$1,049
• Tax from tax record: −$114 /mo · $1,374/yr
• Insurance: −$83
• HOA: −$0
• Vacancy / Maint / Mgmt: −$417
• Net cashflow: $322

Break-even live

Break-even rent $1,578

Max offer price $200,000

Occupancy floor 79%

Sensitivity live

Price	-10% $435	-5% $378	+0% $322	+5% $265	+10% $208
Rent	-10% $165	-5% $243	+0% $322	+5% $400	+10% $478
Rate	-1.0pp $422	-0.5pp $372	base $322	+0.5pp $270	+1.0pp $217

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: $50,000
• Closing costs: $6,000
• Reserves months: —
• Total cash needed: —

Rent comps 6 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
638 Westwood Dr Aberdeen, MD	3.0	2.0	1510	$2,600	$1.72	44d	1	1.10mi
470 Washington St Aberdeen, MD	3.0	1.5	1445	$2,200	$1.52	5d	1	1.14mi
417 Oak St Aberdeen, MD	3.0	1.0	1268	$1,500	$1.18	44d	1	1.21mi
686 Holly Cir Aberdeen, MD	2.0–3.0	1.0	1150	$1,475	$1.28	2d	1	1.25mi
742 Nottingham Dr Aberdeen, MD	3.0	1.0	1084	$2,200	$2.03	5d	1	1.34mi
980 Middelton Rd Aberdeen, MD	1.0–3.0	1.0–2.0	1017	$2,098	$2.06	0d	11	1.48mi

Listing history 4 events

1. 2026-06-16
   status $200,000 Pending 5 DOM
2. 2026-06-15
   days on market $200,000 Active 5 DOM
3. 2026-06-13
   remarks 693-char remark
4. 2026-06-13
   listed $200,000 Active 3 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: $1,374 · $114/mo
• Projected year-2 tax: $1,777 · $148/mo
• Expected delta: +$403/yr (+$34/mo · 29.3%)

ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.

Climate risk First Street

• 🌊 Flood 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
• 🔥 Wildfire 2/10 Low
• 🌡 Heat 8/10 Severe 7 d/yr ≥104°F today · 15 d/yr by 30 yrs out
• 💨 Wind 6/10 Major 27% chance of damaging wind over 30 yrs
• 🫁 Air quality 3/10 Moderate 2 unhealthy d/yr today · 3 by 30 yrs out

Taxation est. · year 1

• Rental income: $23,820
• − Mortgage interest: −$11,203
• − Property taxes: −$1,374
• − Insurance: −$1,000
• − Repairs & maintenance: −$1,906
• − Management: −$1,906
• − Depreciation: −$5,818
• Taxable income: $614
• Est. tax owed @ 24.0%: −$147
• After-tax cash flow: $3,711/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: Harford County Public Schools
• NCES district ID: 2400390
• Math proficiency: 22% ▼ -23.00%
• Reading proficiency: 39% ▼ -12.00%
• Median HH income: $79,569
• Composite: 29.38/100
• National rank: #6527
• State rank: #9 of 24 in MD

Livability — Aberdeen

• Score: 81/100
• State rank: #42
• US rank: #1545

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Aberdeen, MD
• County: Harford County · 198,512 people
• City population: 27,168
• Metro: Baltimore-Columbia-Towson, MD
• Population (ZIP): 27,168
• Household income: $83,238
• Rent vs Own: 36.7% rent · 63.3% own
• Severe rent burden: 736.0

Population outlook (Harford County) Hauer SSP2

• Today (2025): 262,292 people
• By 2030: 266,437 · +1.6%
• By 2040: 269,954 · +2.9%
• By 2050: 265,659 · +1.3%
• By 2075: 252,886 · -3.6%
• By 2100: 224,014 · -14.6%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Diverse neighborhood (Simpson 0.62)
• Race & ethnicity: White 54% Black 28% Hispanic / Latino 9% Two or more races 9% Asian 3%
• Hispanic origin (detail): Mexican 3% Puerto Rican 2% Dominican 1%
• Common ancestry: Romanian 3% Slovak 1% Scotch-Irish 1%
• Foreign-born: 8% · Canada, China, South Korea
• Languages at home: 89% English-only · Spanish 4% Other Indo-European 1% German/W. Germanic 1%

Political lean MEDSL · Harford

• 2024 margin: R (+13.8) · D 41.9% · R 55.7% · Other 2.4%
• 2008→2024 swing: +5.0pp toward D · 2008: -18.8pp · 2024: -13.8pp
• All cycles: 2024: R+13.8 2020: R+12.0 2016: R+24.5 2012: R+19.5 2008: R+18.8

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -108.65%
• Current HPI: 247.668
• Rent YoY: ▲ 0.28%
• 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

+152.2% since first listed

3 events — show timeline

• 2026-06-10 Listed $200,000 BRIGHT MLS
• 1994-09-14 Sold (Public Records) $84,000 Public Records
• 1990-05-01 Sold (Public Records) $79,300 Public Records

Property tax history

-4.3%/yr

Latest (2019): $1,374 · +0.9% YoY. Source: county tax records.