3194 Freestone Ct · Bel Air South, MD 21009

$310,000

3 bd · 1.5 ba · 1,680 sqft · Townhouse public records · 3 Days on market

Built 2002 2,750 sqft lot $185/sqft · 10% below area Est $343k · 10% under $76/mo HOA · 3% of rent

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Why this score? — see what drove the D 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).

• ARV discount +11.9/15.0
• Cash flow +10.7/30.0
• Rent growth +4.3/5.0
• Livability +4.1/5.0
• DSCR +3.1/10.0
• Schools +2.9/10.0
• 1% rule +2.7/10.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

BACK ON THE MARKET DUE TO BUYER FINANCING FALLING THROUGH, COME SEE THIS 3 BR 1.5 BA END OF GROUP BRICK TOWNHOME IN CONSTANT FRIENDSHIP THAT IS METICULOUSLY MAINTAINED AND UPDATED THROUGHOUT!! NEUTRAL D COR--UPGRADED LAMINATE FLOORS ON THE MAIN LEVEL NEW CARPET--SPACIOUS LIVING ROOM AND DINING ROOM UPDATED EAT IN KITCHEN WITH GRANITE COUNTERTOPS, STAINLESS STEEL APPLIANCES, BACKSPLASH AND ISLAND HALF BATH UPPER LEVEL FEATURES MASTER BEDROOM WITH WALK IN CLOSET WITH REMODELED MASTER BATH AND 2 ADDITIONAL SPACIOUS BEDROOMS PARTIALLY FINISHED LOWER LEVEL WITH WALK OUT TO FENCED YARD FEATURES A SPACIOUS FAMILY ROOM AND SEPARATE STORAGE AND LAUNDRY AREA ENJOY ENTERTAINING ON THE OUTDOOR DECK MINUTES TO I-95 AND GREAT SHOPPING DON'T MISS THIS, COME TAKE A LOOK!!

Key facts

• $76 HOA
• Built 2002
• Listed 3 days

Property features AI

Finance

• Other: Approximately 1,240 above-grade finished area, 600 total below-grade area (440 finished, 160 unfinished); No tidal water; located on a no-thru street
• HOA & community: HOA fee of $76.80 per month

Exterior

• Parking: On-street parking
• Utilities: Public water; Public sewer; Electric cooling fuel; Natural gas heating and hot water
• Home design: End of row townhouse; Fee simple ownership
• Construction: Brick and vinyl siding exterior; Asphalt roof; Other foundation; Double-pane windows; Built and measured by assessor
• Exterior features: Sidewalks; Rear fencing; Deck

Interior

• Kitchen: Dishwasher; Disposal; Refrigerator; Stove; Microwave; Extra refrigerator/freezer
• Bedrooms: Three bedrooms on the upper level
• Flooring: Carpet; Concrete; Ceramic tile; Laminate
• Bathrooms: One full bathroom on the upper level; One half bathroom on the main level
• Heating & cooling: Forced air heating (natural gas); Central air conditioning; Ceiling fans; Hot water heated by natural gas
• Interior features: Attic; Combination kitchen and dining area; Eat-in kitchen with island and table space; Upgraded countertops; Walk-in closets; Ceiling fans; Drywall walls and ceilings
• Laundry & utility: Washer and dryer located on the lower floor

What this means for you Summary

Snapshot

• This is a 3-bed/1.5-bath townhouse listed at $310k.

Deal economics

• At list price, monthly cash flow is $-149 ($-2k/yr) — negative.
• To cash-flow at today's rent, offer at most $284k (8.5% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $240k (22.6% below list).
• Recommended offer: $240k (22.6% below list) — sets the bar for 1% rule.
• Cap rate 5.7% vs local median 4.2% in Bel Air South — 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 82/100 on livability (#33 in MD, #1,172 nationally) — a professional / high-income tenant draw. Strengths: employment A+, housing A+, health & safety A+; Watch: crime D, cost of living D.
• 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.
• Zoned schools: Abingdon Elementary (math 20% / reading 25%, grade F, #292 of 860 statewide, top 34%, 658 students, 48% FRL); Edgewood Middle (math 7% / reading 31%, grade F, #155 of 225 statewide, top 70%, 999 students, 72% FRL); Edgewood High (math 43% / reading 54%, grade D, #111 of 222 statewide, top 50%, 1,415 students, 62% FRL) — zoned schools average 61% FRL vs 24% district-wide (36 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Market conditions: Rents rising fast (+7.1%/yr); 160 active listings in the ZIP; 12 comparable units currently listed for rent nearby; rentals at typical pace (median 26d on market — plan ~3-4 weeks tenant-placement turnaround); 42% of comp listings sitting > 30 days — soft ceiling on asking rent; high-income renter base; 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 $2k of loan paydown is wiped out by about $9k of value loss. Plan a longer hold.

Negotiation context

• Only 3 days on market — expect competitive offers; lowballing is unlikely to land.
• 5 sale attempts since 20y 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 $228k; 36% 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→15/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $239,925 (22.6% below list)

Questions for the listing agent

1. What do current leases actually rent for vs. the listed asking? Can we see a recent rent roll and the last 12 months of T-12 income?
2. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. Schools are B-rated — typically a magnet for longer-tenancy family renters. What's the average tenant stay here, and is there a school-zone premium baked into asking?
5. 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?
6. The area grade is low — what's the realistic commute time and amenity access for the typical tenant pool here? Any planned neighborhood developments (good or bad) we should know about?
7. 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.
8. 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.
9. 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: 0.77% ✗
• Cap rate: 5.72%
• Cash-on-cash: -2.06%
• DSCR: 0.91
• GRM: 10.8

CMA / ARV

• ARV (median comp): $343,446
• List price: $310,000
• Delta: -9.74%
• Verdict: FAIR
• Comps: 20 within 1.0 mi

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
640 Nanticoke Ct	0.25mi	2/1.5 (-1)	1,705 (+2%)	1mo	$299,000	$175	80
330 Fullerton Pl	0.48mi	3/3.0	1,700 (+1%)	1mo	$315,000	$185	69
615 N Branch Ct	0.32mi	2/2.5 (-1)	1,792 (+7%)	1mo	$335,000	$187	64
460 Deer Hill Cir	0.57mi	3/3.0	1,646 (-2%)	3mo	$362,500	$220	61
455 Deer Hill Cir	0.53mi	3/2.5	1,768 (+5%)	3mo	$380,000	$215	60
618 Milford Ct	0.46mi	3/2.5	1,540 (-8%)	2mo	$330,000	$214	59
322 Delmar Ct	0.64mi	3/2.0	1,565 (-7%)	4mo	$302,500	$193	54
303 Talbot Ct	0.62mi	3/2.5	1,540 (-8%)	2mo	$255,000	$166	51
3336 Garrison Cir	0.57mi	3/2.0	1,440 (-14%)	1mo	$312,500	$217	47
3617 Longridge Ct	0.51mi	3/3.5	1,890 (+12%)	2mo	$300,000	$159	46
236 Lodgecliff Ct	0.72mi	2/3.0 (-1)	1,565 (-7%)	2mo	$314,900	$201	42
3301 Betterton Cir	0.66mi	3/2.5	1,432 (-15%)	2mo	$257,500	$180	39

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 · 7.12% rent growth · sell at horizon

5-year hold

• IRR: -15.4%
• Equity multiple: 0.43×
• Total profit: $-49,371
• Equity at exit: $46,222

10-year hold

• IRR: -1.3%
• Equity multiple: 0.90×
• Total profit: $-9,010
• Equity at exit: $26,803

Cash invested: $86,800 (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 21009

• Rents YoY: 7.1%
• Active inventory: 160
• Price-to-rent: 10.8×

Monthly cashflow live

• Estimated rent: $2,399 high
• Mortgage (P&I): −$1,626
• Tax from tax record: −$213 /mo · $2,559/yr
• Insurance: −$129
• HOA: −$76
• Vacancy / Maint / Mgmt: −$504
• Net cashflow: $-149

Break-even live

Break-even rent $2,587

Max offer price $283,729

Occupancy floor —

Sensitivity live

Price	-10% $27	-5% $-61	+0% $-149	+5% $-236	+10% $-324
Rent	-10% $-338	-5% $-243	+0% $-149	+5% $-54	+10% $41
Rate	-1.0pp $7	-0.5pp $-70	base $-149	+0.5pp $-229	+1.0pp $-311

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: $77,500
• Closing costs: $9,300
• Reserves months: —
• Total cash needed: —

Rent comps 12 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
499 Crisfield Dr Abingdon, MD	1.0–3.0	1.0–2.0	898	$2,060	$2.29	0d	11	0.26mi
499 Crisfield Dr Abingdon, MD	1.0–3.0	1.0–2.0	898	$2,309	$2.57	45d	20	0.26mi
618 Milford Ct Abingdon, MD	3.0	2.5	1540	$2,450	$1.59	25d	1	0.46mi
618 Milford Ct Abingdon, MD	3.0	2.5	1540	$2,450	$1.59	6d	1	0.46mi
437 Ashton Ln Abingdon, MD	3.0	2.5	1740	$2,500	$1.44	0d	1	0.50mi
493 Ashton Ln Abingdon, MD	3.0	2.5	1760	$2,250	$1.28	25d	1	0.52mi
3361 Cheverly Ct Abingdon, MD	3.0	2.5	1500	$2,195	$1.46	45d	1	0.77mi
158 Glen View Ter Abingdon, MD	2.0	2.5	1176	$1,995	$1.70	19d	1	0.88mi
569 Kirkcaldy Way Abingdon, MD	3.0	3.5	2040	$2,600	$1.27	45d	1	0.89mi
546 Kirkcaldy Way Abingdon, MD	3.0	2.5	1520	$2,350	$1.55	45d	1	0.90mi
644 Berwick Ct Abingdon, MD	3.0	2.5	1500	$2,395	$1.60	45d	1	0.99mi
307L Tall Pines Ct Unit L Abingdon, MD	3.0	2.0	1300	$2,399	$1.85	16d	1	1.17mi

HOA detail

• Monthly dues: $76 · $912/yr

Listing history 21 events

1. 2026-05-16
   listed $310,000 Active 804-char remark
2. 2026-05-12
   historical $310,000 804-char remark
3. 2019-09-24
   soldstatus $227,500
4. 2019-09-10
   soldstatus $227,500 Closed 767-char remark

   Show marketing remark (767 chars)

   BACK ON THE MARKET DUE TO BUYER FINANCING FALLING THROUGH, COME SEE THIS 3 BR 1.5 BA END OF GROUP BRICK TOWNHOME IN CONSTANT FRIENDSHIP THAT IS METICULOUSLY MAINTAINED AND UPDATED THROUGHOUT!! NEUTRAL D COR--UPGRADED LAMINATE FLOORS ON THE MAIN LEVEL NEW CARPET--SPACIOUS LIVING ROOM AND DINING ROOM UPDATED EAT IN KITCHEN WITH GRANITE COUNTERTOPS, STAINLESS STEEL APPLIANCES, BACKSPLASH AND ISLAND HALF BATH UPPER LEVEL FEATURES MASTER BEDROOM WITH WALK IN CLOSET WITH REMODELED MASTER BATH AND 2 ADDITIONAL SPACIOUS BEDROOMS PARTIALLY FINISHED LOWER LEVEL WITH WALK OUT TO FENCED YARD FEATURES A SPACIOUS FAMILY ROOM AND SEPARATE STORAGE AND LAUNDRY AREA ENJOY ENTERTAINING ON THE OUTDOOR DECK MINUTES TO I-95 AND GREAT SHOPPING DON'T MISS THIS, COME TAKE A LOOK!!

5. 2019-08-10
   status Pending 767-char remark

   Show marketing remark (767 chars)

   BACK ON THE MARKET DUE TO BUYER FINANCING FALLING THROUGH, COME SEE THIS 3 BR 1.5 BA END OF GROUP BRICK TOWNHOME IN CONSTANT FRIENDSHIP THAT IS METICULOUSLY MAINTAINED AND UPDATED THROUGHOUT!! NEUTRAL D COR--UPGRADED LAMINATE FLOORS ON THE MAIN LEVEL NEW CARPET--SPACIOUS LIVING ROOM AND DINING ROOM UPDATED EAT IN KITCHEN WITH GRANITE COUNTERTOPS, STAINLESS STEEL APPLIANCES, BACKSPLASH AND ISLAND HALF BATH UPPER LEVEL FEATURES MASTER BEDROOM WITH WALK IN CLOSET WITH REMODELED MASTER BATH AND 2 ADDITIONAL SPACIOUS BEDROOMS PARTIALLY FINISHED LOWER LEVEL WITH WALK OUT TO FENCED YARD FEATURES A SPACIOUS FAMILY ROOM AND SEPARATE STORAGE AND LAUNDRY AREA ENJOY ENTERTAINING ON THE OUTDOOR DECK MINUTES TO I-95 AND GREAT SHOPPING DON'T MISS THIS, COME TAKE A LOOK!!

6. 2019-08-09
   historical 767-char remark

   Show marketing remark (767 chars)

   BACK ON THE MARKET DUE TO BUYER FINANCING FALLING THROUGH, COME SEE THIS 3 BR 1.5 BA END OF GROUP BRICK TOWNHOME IN CONSTANT FRIENDSHIP THAT IS METICULOUSLY MAINTAINED AND UPDATED THROUGHOUT!! NEUTRAL D COR--UPGRADED LAMINATE FLOORS ON THE MAIN LEVEL NEW CARPET--SPACIOUS LIVING ROOM AND DINING ROOM UPDATED EAT IN KITCHEN WITH GRANITE COUNTERTOPS, STAINLESS STEEL APPLIANCES, BACKSPLASH AND ISLAND HALF BATH UPPER LEVEL FEATURES MASTER BEDROOM WITH WALK IN CLOSET WITH REMODELED MASTER BATH AND 2 ADDITIONAL SPACIOUS BEDROOMS PARTIALLY FINISHED LOWER LEVEL WITH WALK OUT TO FENCED YARD FEATURES A SPACIOUS FAMILY ROOM AND SEPARATE STORAGE AND LAUNDRY AREA ENJOY ENTERTAINING ON THE OUTDOOR DECK MINUTES TO I-95 AND GREAT SHOPPING DON'T MISS THIS, COME TAKE A LOOK!!

7. 2019-08-05
   price $227,500 767-char remark

   Show marketing remark (767 chars)

   BACK ON THE MARKET DUE TO BUYER FINANCING FALLING THROUGH, COME SEE THIS 3 BR 1.5 BA END OF GROUP BRICK TOWNHOME IN CONSTANT FRIENDSHIP THAT IS METICULOUSLY MAINTAINED AND UPDATED THROUGHOUT!! NEUTRAL D COR--UPGRADED LAMINATE FLOORS ON THE MAIN LEVEL NEW CARPET--SPACIOUS LIVING ROOM AND DINING ROOM UPDATED EAT IN KITCHEN WITH GRANITE COUNTERTOPS, STAINLESS STEEL APPLIANCES, BACKSPLASH AND ISLAND HALF BATH UPPER LEVEL FEATURES MASTER BEDROOM WITH WALK IN CLOSET WITH REMODELED MASTER BATH AND 2 ADDITIONAL SPACIOUS BEDROOMS PARTIALLY FINISHED LOWER LEVEL WITH WALK OUT TO FENCED YARD FEATURES A SPACIOUS FAMILY ROOM AND SEPARATE STORAGE AND LAUNDRY AREA ENJOY ENTERTAINING ON THE OUTDOOR DECK MINUTES TO I-95 AND GREAT SHOPPING DON'T MISS THIS, COME TAKE A LOOK!!

8. 2019-08-02
   status Active 767-char remark

   Show marketing remark (767 chars)

   BACK ON THE MARKET DUE TO BUYER FINANCING FALLING THROUGH, COME SEE THIS 3 BR 1.5 BA END OF GROUP BRICK TOWNHOME IN CONSTANT FRIENDSHIP THAT IS METICULOUSLY MAINTAINED AND UPDATED THROUGHOUT!! NEUTRAL D COR--UPGRADED LAMINATE FLOORS ON THE MAIN LEVEL NEW CARPET--SPACIOUS LIVING ROOM AND DINING ROOM UPDATED EAT IN KITCHEN WITH GRANITE COUNTERTOPS, STAINLESS STEEL APPLIANCES, BACKSPLASH AND ISLAND HALF BATH UPPER LEVEL FEATURES MASTER BEDROOM WITH WALK IN CLOSET WITH REMODELED MASTER BATH AND 2 ADDITIONAL SPACIOUS BEDROOMS PARTIALLY FINISHED LOWER LEVEL WITH WALK OUT TO FENCED YARD FEATURES A SPACIOUS FAMILY ROOM AND SEPARATE STORAGE AND LAUNDRY AREA ENJOY ENTERTAINING ON THE OUTDOOR DECK MINUTES TO I-95 AND GREAT SHOPPING DON'T MISS THIS, COME TAKE A LOOK!!

9. 2019-07-12
   status Pending 767-char remark

   Show marketing remark (767 chars)

   BACK ON THE MARKET DUE TO BUYER FINANCING FALLING THROUGH, COME SEE THIS 3 BR 1.5 BA END OF GROUP BRICK TOWNHOME IN CONSTANT FRIENDSHIP THAT IS METICULOUSLY MAINTAINED AND UPDATED THROUGHOUT!! NEUTRAL D COR--UPGRADED LAMINATE FLOORS ON THE MAIN LEVEL NEW CARPET--SPACIOUS LIVING ROOM AND DINING ROOM UPDATED EAT IN KITCHEN WITH GRANITE COUNTERTOPS, STAINLESS STEEL APPLIANCES, BACKSPLASH AND ISLAND HALF BATH UPPER LEVEL FEATURES MASTER BEDROOM WITH WALK IN CLOSET WITH REMODELED MASTER BATH AND 2 ADDITIONAL SPACIOUS BEDROOMS PARTIALLY FINISHED LOWER LEVEL WITH WALK OUT TO FENCED YARD FEATURES A SPACIOUS FAMILY ROOM AND SEPARATE STORAGE AND LAUNDRY AREA ENJOY ENTERTAINING ON THE OUTDOOR DECK MINUTES TO I-95 AND GREAT SHOPPING DON'T MISS THIS, COME TAKE A LOOK!!

10. 2019-07-10
    historical 767-char remark

    Show marketing remark (767 chars)

    BACK ON THE MARKET DUE TO BUYER FINANCING FALLING THROUGH, COME SEE THIS 3 BR 1.5 BA END OF GROUP BRICK TOWNHOME IN CONSTANT FRIENDSHIP THAT IS METICULOUSLY MAINTAINED AND UPDATED THROUGHOUT!! NEUTRAL D COR--UPGRADED LAMINATE FLOORS ON THE MAIN LEVEL NEW CARPET--SPACIOUS LIVING ROOM AND DINING ROOM UPDATED EAT IN KITCHEN WITH GRANITE COUNTERTOPS, STAINLESS STEEL APPLIANCES, BACKSPLASH AND ISLAND HALF BATH UPPER LEVEL FEATURES MASTER BEDROOM WITH WALK IN CLOSET WITH REMODELED MASTER BATH AND 2 ADDITIONAL SPACIOUS BEDROOMS PARTIALLY FINISHED LOWER LEVEL WITH WALK OUT TO FENCED YARD FEATURES A SPACIOUS FAMILY ROOM AND SEPARATE STORAGE AND LAUNDRY AREA ENJOY ENTERTAINING ON THE OUTDOOR DECK MINUTES TO I-95 AND GREAT SHOPPING DON'T MISS THIS, COME TAKE A LOOK!!

11. 2019-07-03
    status Active 767-char remark

    Show marketing remark (767 chars)

    BACK ON THE MARKET DUE TO BUYER FINANCING FALLING THROUGH, COME SEE THIS 3 BR 1.5 BA END OF GROUP BRICK TOWNHOME IN CONSTANT FRIENDSHIP THAT IS METICULOUSLY MAINTAINED AND UPDATED THROUGHOUT!! NEUTRAL D COR--UPGRADED LAMINATE FLOORS ON THE MAIN LEVEL NEW CARPET--SPACIOUS LIVING ROOM AND DINING ROOM UPDATED EAT IN KITCHEN WITH GRANITE COUNTERTOPS, STAINLESS STEEL APPLIANCES, BACKSPLASH AND ISLAND HALF BATH UPPER LEVEL FEATURES MASTER BEDROOM WITH WALK IN CLOSET WITH REMODELED MASTER BATH AND 2 ADDITIONAL SPACIOUS BEDROOMS PARTIALLY FINISHED LOWER LEVEL WITH WALK OUT TO FENCED YARD FEATURES A SPACIOUS FAMILY ROOM AND SEPARATE STORAGE AND LAUNDRY AREA ENJOY ENTERTAINING ON THE OUTDOOR DECK MINUTES TO I-95 AND GREAT SHOPPING DON'T MISS THIS, COME TAKE A LOOK!!

12. 2019-06-28
    status Pending 767-char remark

    Show marketing remark (767 chars)

    BACK ON THE MARKET DUE TO BUYER FINANCING FALLING THROUGH, COME SEE THIS 3 BR 1.5 BA END OF GROUP BRICK TOWNHOME IN CONSTANT FRIENDSHIP THAT IS METICULOUSLY MAINTAINED AND UPDATED THROUGHOUT!! NEUTRAL D COR--UPGRADED LAMINATE FLOORS ON THE MAIN LEVEL NEW CARPET--SPACIOUS LIVING ROOM AND DINING ROOM UPDATED EAT IN KITCHEN WITH GRANITE COUNTERTOPS, STAINLESS STEEL APPLIANCES, BACKSPLASH AND ISLAND HALF BATH UPPER LEVEL FEATURES MASTER BEDROOM WITH WALK IN CLOSET WITH REMODELED MASTER BATH AND 2 ADDITIONAL SPACIOUS BEDROOMS PARTIALLY FINISHED LOWER LEVEL WITH WALK OUT TO FENCED YARD FEATURES A SPACIOUS FAMILY ROOM AND SEPARATE STORAGE AND LAUNDRY AREA ENJOY ENTERTAINING ON THE OUTDOOR DECK MINUTES TO I-95 AND GREAT SHOPPING DON'T MISS THIS, COME TAKE A LOOK!!

13. 2019-06-26
    historical 767-char remark

    Show marketing remark (767 chars)

    BACK ON THE MARKET DUE TO BUYER FINANCING FALLING THROUGH, COME SEE THIS 3 BR 1.5 BA END OF GROUP BRICK TOWNHOME IN CONSTANT FRIENDSHIP THAT IS METICULOUSLY MAINTAINED AND UPDATED THROUGHOUT!! NEUTRAL D COR--UPGRADED LAMINATE FLOORS ON THE MAIN LEVEL NEW CARPET--SPACIOUS LIVING ROOM AND DINING ROOM UPDATED EAT IN KITCHEN WITH GRANITE COUNTERTOPS, STAINLESS STEEL APPLIANCES, BACKSPLASH AND ISLAND HALF BATH UPPER LEVEL FEATURES MASTER BEDROOM WITH WALK IN CLOSET WITH REMODELED MASTER BATH AND 2 ADDITIONAL SPACIOUS BEDROOMS PARTIALLY FINISHED LOWER LEVEL WITH WALK OUT TO FENCED YARD FEATURES A SPACIOUS FAMILY ROOM AND SEPARATE STORAGE AND LAUNDRY AREA ENJOY ENTERTAINING ON THE OUTDOOR DECK MINUTES TO I-95 AND GREAT SHOPPING DON'T MISS THIS, COME TAKE A LOOK!!

14. 2019-06-26
    historical 767-char remark

    Show marketing remark (767 chars)

    BACK ON THE MARKET DUE TO BUYER FINANCING FALLING THROUGH, COME SEE THIS 3 BR 1.5 BA END OF GROUP BRICK TOWNHOME IN CONSTANT FRIENDSHIP THAT IS METICULOUSLY MAINTAINED AND UPDATED THROUGHOUT!! NEUTRAL D COR--UPGRADED LAMINATE FLOORS ON THE MAIN LEVEL NEW CARPET--SPACIOUS LIVING ROOM AND DINING ROOM UPDATED EAT IN KITCHEN WITH GRANITE COUNTERTOPS, STAINLESS STEEL APPLIANCES, BACKSPLASH AND ISLAND HALF BATH UPPER LEVEL FEATURES MASTER BEDROOM WITH WALK IN CLOSET WITH REMODELED MASTER BATH AND 2 ADDITIONAL SPACIOUS BEDROOMS PARTIALLY FINISHED LOWER LEVEL WITH WALK OUT TO FENCED YARD FEATURES A SPACIOUS FAMILY ROOM AND SEPARATE STORAGE AND LAUNDRY AREA ENJOY ENTERTAINING ON THE OUTDOOR DECK MINUTES TO I-95 AND GREAT SHOPPING DON'T MISS THIS, COME TAKE A LOOK!!

15. 2019-06-24
    listed $230,000 Active 767-char remark

    Show marketing remark (767 chars)

    BACK ON THE MARKET DUE TO BUYER FINANCING FALLING THROUGH, COME SEE THIS 3 BR 1.5 BA END OF GROUP BRICK TOWNHOME IN CONSTANT FRIENDSHIP THAT IS METICULOUSLY MAINTAINED AND UPDATED THROUGHOUT!! NEUTRAL D COR--UPGRADED LAMINATE FLOORS ON THE MAIN LEVEL NEW CARPET--SPACIOUS LIVING ROOM AND DINING ROOM UPDATED EAT IN KITCHEN WITH GRANITE COUNTERTOPS, STAINLESS STEEL APPLIANCES, BACKSPLASH AND ISLAND HALF BATH UPPER LEVEL FEATURES MASTER BEDROOM WITH WALK IN CLOSET WITH REMODELED MASTER BATH AND 2 ADDITIONAL SPACIOUS BEDROOMS PARTIALLY FINISHED LOWER LEVEL WITH WALK OUT TO FENCED YARD FEATURES A SPACIOUS FAMILY ROOM AND SEPARATE STORAGE AND LAUNDRY AREA ENJOY ENTERTAINING ON THE OUTDOOR DECK MINUTES TO I-95 AND GREAT SHOPPING DON'T MISS THIS, COME TAKE A LOOK!!

16. 2006-08-17
    soldstatus $235,000
17. 2006-08-17
    soldstatus $235,000
18. 2006-06-26
    soldstatus $235,000

    Show marketing remark (383 chars)

    OPEN HOUSE. .SUNDAY, MAY 21ST. . 1:00-3:00PM. END OF GROUP TWNHM IN DESIRABLE CONSTANT FRIENDSHIP. WELL MAINTAINED. . 3 BDRM 1.5 BATH. HOME FEATURES MSTR BDRM W/ LARGE WALKIN CLOSET, COUNTRY KIT W/ SEPERATE DINING AREA, SPACIOUS FAMRM, FIN BSMNT W/ FULL BATH ROUGH IN. NEUTRAL DECOR THROUGHOUT AWAITS YOUR PERSONAL DESIGNER TOUCHES. HOME IS VACANT AND READY FOR IMMEDIATE POSSESSION.

19. 2006-05-22
    historical

    Show marketing remark (383 chars)

    OPEN HOUSE. .SUNDAY, MAY 21ST. . 1:00-3:00PM. END OF GROUP TWNHM IN DESIRABLE CONSTANT FRIENDSHIP. WELL MAINTAINED. . 3 BDRM 1.5 BATH. HOME FEATURES MSTR BDRM W/ LARGE WALKIN CLOSET, COUNTRY KIT W/ SEPERATE DINING AREA, SPACIOUS FAMRM, FIN BSMNT W/ FULL BATH ROUGH IN. NEUTRAL DECOR THROUGHOUT AWAITS YOUR PERSONAL DESIGNER TOUCHES. HOME IS VACANT AND READY FOR IMMEDIATE POSSESSION.

20. 2006-04-18
    listed $233,900

    Show marketing remark (383 chars)

    OPEN HOUSE. .SUNDAY, MAY 21ST. . 1:00-3:00PM. END OF GROUP TWNHM IN DESIRABLE CONSTANT FRIENDSHIP. WELL MAINTAINED. . 3 BDRM 1.5 BATH. HOME FEATURES MSTR BDRM W/ LARGE WALKIN CLOSET, COUNTRY KIT W/ SEPERATE DINING AREA, SPACIOUS FAMRM, FIN BSMNT W/ FULL BATH ROUGH IN. NEUTRAL DECOR THROUGHOUT AWAITS YOUR PERSONAL DESIGNER TOUCHES. HOME IS VACANT AND READY FOR IMMEDIATE POSSESSION.

21. 2002-05-14
    soldstatus $140,000

ⓘ 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: $2,559 · $213/mo
• Projected year-2 tax: $2,969 · $247/mo
• Expected delta: +$410/yr (+$34/mo · 16.0%)

ⓘ 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 7/10 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: $28,791
• − Mortgage interest: −$17,365
• − Property taxes: −$2,559
• − Insurance: −$1,550
• − Repairs & maintenance: −$2,303
• − Management: −$2,303
• − HOA: −$912
• − Depreciation: −$9,018
• Taxable loss: −$7,220
• Est. tax savings @ 24.0%: +$1,733
• After-tax cash flow: $-52/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 — Bel Air South

• Score: 82/100
• State rank: #33
• US rank: #1172

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Bel Air South, MD
• County: Harford County · 198,512 people
• City population: 63,895
• Metro: Baltimore-Columbia-Towson, MD
• Population (ZIP): 33,679
• Household income: $121,660
• Rent vs Own: 17.6% rent · 82.4% own
• Severe rent burden: 437.0

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: Predominantly White (68%)
• Race & ethnicity: White 68% Black 18% Hispanic / Latino 6% Asian 4% Two or more races 4%
• Hispanic origin (detail): Mexican 2% Puerto Rican 1%
• Common ancestry: Romanian 5% Lithuanian 2% Slovak 2%
• Foreign-born: 7% · Canada, South Korea, China
• Languages at home: 89% English-only · Spanish 3% Other Indo-European 2% Other Asian/Pacific 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: ▼ -176.25%
• Current HPI: 251.4376
• Rent YoY: ▲ 7.12%
• 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

+121.4% since first listed

23 events — show timeline

• 2026-05-19 Pending — BRIGHT MLS
• 2026-05-18 Listing Removed — BRIGHT MLS
• 2026-05-16 Listed $310,000 BRIGHT MLS
• 2026-05-12 Coming Soon $310,000 BRIGHT MLS
• 2019-09-24 Sold (Public Records) $227,500 Public Records
• 2019-09-10 Sold (MLS) $227,500 BRIGHT MLS
• 2019-08-10 Pending — BRIGHT MLS
• 2019-08-09 Listing Removed — BRIGHT MLS
• 2019-08-05 Price Changed $227,500 BRIGHT MLS
• 2019-08-02 Relisted — BRIGHT MLS
• 2019-07-12 Pending — BRIGHT MLS
• 2019-07-10 Listing Removed — BRIGHT MLS
• 2019-07-03 Relisted — BRIGHT MLS
• 2019-06-28 Pending — BRIGHT MLS
• 2019-06-26 Listing Removed — BRIGHT MLS
• 2019-06-26 Listing Removed — BRIGHT MLS
• 2019-06-24 Listed $230,000 BRIGHT MLS
• 2006-08-17 Sold (Public Records) $235,000 Public Records
• 2006-08-17 Sold (Public Records) $235,000 Public Records
• 2006-06-26 Sold (MLS) $235,000 MRIS
• 2006-05-22 Delisted — MRIS
• 2006-04-18 Listed $233,900 MRIS
• 2002-05-14 Sold (Public Records) $140,000 Public Records

Property tax history

+0.3%/yr

Latest (2025): $2,559 · +5.2% YoY. Source: county tax records.