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4028 Raymonn Ave
C+ Composite 62.89
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 +25.4/30.0
  • DSCR +8.4/10.0
  • 1% rule +6.7/10.0
  • ARV discount +6.7/15.0
  • 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

$149,900

4028 Raymonn Ave · Baltimore, MD 21213
3 bd · 1.5 ba · 896 sqft · Townhouse public records · 14 Days on market
Built 1954 $167/sqft · 27% above area Est $147k · at est.

🖨 Deal sheet (PDF) 📄 Offer letter ✓ Due diligence

Listing remarks MLS

Don’t miss this wonderful opportunity to own this affordable 3 Bedroom/1 ½ Bath townhome. Enter the front door to a large living room and main level bedroom. Upper level has 2 additional bedrooms and full bath. Beautiful hardwood flooring throughout. Large eat in kitchen and laundry room/workshop in lower level. Newer HVAC and HWH. Fully fenced rear yard with privacy fence and shed. Close to all major routes, shops and restaurants. Add this one to your rental portfolio or great for a 1st time homebuyer!!! Property has a recent lead paint full risk reduction certificate #1016660 and has recently passed a Baltimore City rental inspection. Come take a tour of this GEM!

Key facts

  • Parking
  • Built 1954
  • Listed 14 days

Property features AI

Finance

  • Other: Lease not considered; In-city limits with bus service within one mile
  • Financial info: Ground rent payment listed as $90 (semi-annually); Property assessed values listed by assessor (land and improvements)
  • HOA & community: Ground rent paid semi-annually

Exterior

  • Parking: One driveway space; One total garage/parking space; On-street and alley access; dirt driveway
  • Utilities: Public water; Public sewer; Electric cooling fuel; Natural gas heating and hot water
  • Home design: Interior townhouse/rowhouse; Brick construction with brick front; Bay/Bow windows with double-pane glass; Good overall condition; Not in a federal flood zone; Ground rent applies
  • Construction: Block foundation; Tar and gravel and composite roofing
  • Exterior features: Porch(es); Sidewalks and street lights nearby; Play area nearby; Rear fencing; Shed on site

Interior

  • Kitchen: Built-in microwave; Gas range/oven; Refrigerator
  • Bedrooms: One main-level bedroom; Two upper-level bedrooms
  • Flooring: Hardwood floors; Carpet; Concrete
  • Bathrooms: One full bathroom; One half bathroom
  • Heating & cooling: Forced air heating (natural gas); Central air conditioning; Ceiling fans; Natural gas hot water
  • Interior features: Ceiling fans; Eat-in kitchen and space for a kitchen table; Window treatments; Wood and carpet flooring; Concrete flooring in some areas; 6 total rooms (living room, kitchen, 2 bedrooms, laundry, full bath, half bath)
  • Laundry & utility: Washer and dryer (dryer listed); Laundry in basement

Neighborhood map

Property Rental comp Retail Transit Schools Stadiums Fortune 500 · Circle radius: 3.0 mi
Loading POIs…

What this means for you Summary

Snapshot

  • This is a 3-bed/1.5-bath townhouse listed at $150k.

Deal economics

  • At list price, monthly cash flow is $343 ($4k/yr) — positive.
  • The deal already cash-flows at list — no discount required.
  • Meets the 1% rule at list price ($2k rent vs $150k).
  • Cap rate 9.0% 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; 24 comparable units currently listed for rent nearby; rentals at typical pace (median 25d on market — plan ~3-4 weeks tenant-placement turnaround); 1,273 units permitted in Baltimore city in 2024 (1,104 in 5+ unit buildings).
  • This rent runs 41% 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 $185 of equity ($1k loan paydown + $-851 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 $42k cash investment doubles in ~7 years — after that, you're playing with house money.

Negotiation context

  • Only 14 days on market — expect competitive offers; lowballing is unlikely to land.
  • 13 sale attempts since 12y 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 $130k; 15% above their basis — modest negotiation headroom, anchor on the comps not their cost.

Risks & watch-outs

  • Watch-outs: built in 1954 — 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 $149,900

Questions for the listing agent

  1. Built in 1954 — 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. 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?
  4. 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?
  5. 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.
  6. 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.
  7. 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
1.17%
Cap rate
9.04%
Cash-on-cash
9.82%
DSCR
1.44
GRM
7.1

CMA / ARV

ARV (median comp)
$147,140
List price
$149,900
Delta
1.88%
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
4128 Balfern Ave 0.09mi 3/1.5 1,008 (+12%) 2mo $177,000 $176 73
3586 Dudley Ave 0.27mi 2/1.0 (-1) 896 (0%) 9mo $80,000 $89 73
3582 Dudley Ave 0.28mi 2/1.0 (-1) 896 (0%) 10mo $90,000 $100 72
3566 Dudley Ave 0.30mi 2/1.0 (-1) 896 (0%) 9mo $143,000 $160 71
4616 Shamrock Ave 0.44mi 3/2.0 896 (0%) 8mo $215,000 $240 71
4728 Chatford Ave 0.49mi 2/1.5 (-1) 896 (0%) 3mo $125,000 $140 70
3912 Kenyon Ave 0.20mi 3/1.5 1,001 (+12%) 3mo $120,000 $120 69
3332 Brendan Ave 0.59mi 3/1.5 870 (-3%) 1mo $128,000 $147 67
4735 Chatford Ave 0.46mi 2/1.0 (-1) 896 (0%) 10mo $90,000 $100 63
3211 Brendan Ave 0.70mi 2/1.0 (-1) 870 (-3%) 8mo $154,000 $177 49
3235 Kentucky Ave 0.65mi 2/1.5 (-1) 960 (+7%) 8mo $95,000 $99 46
4343 Nicholas Ave 0.70mi 3/1.5 812 (-9%) 9mo $115,000 $142 45

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
8.9%
Equity multiple
1.42×
Total profit
$17,600
Equity at exit
$39,317
10-year hold
IRR
16.2%
Equity multiple
2.82×
Total profit
$76,297
Equity at exit
$44,021

Cash invested: $41,972 (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.

ZIP-level market 21213

Home prices YoY
-0.1%
Rents YoY
5.2%
Active inventory
319
Price-to-rent
7.1×

Monthly cashflow live

Estimated rent
$1,749 high interval (Pro) →
Mortgage (P&I)
$786
Tax from tax record
$190 /mo · $2,275/yr
Insurance
$62
HOA
$0
Vacancy / Maint / Mgmt
$367
Net cashflow
$343

Break-even live

Break-even rent $1,314
Max offer price $149,900
Occupancy floor 75%

Sensitivity live

Price -10% $428 -5% $386 +0% $343 +5% $301 +10% $258
Rent -10% $205 -5% $274 +0% $343 +5% $412 +10% $481
Rate -1.0pp $419 -0.5pp $381 base $343 +0.5pp $304 +1.0pp $265

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
$37,475
Closing costs
$4,497
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 24 comps

AddressBedsBaths SqftRent$/sqft DOM Units Dist
4022 Ardley Ave Baltimore, MD 2.0 1.0 896 $1,750 $1.95 45d 1 0.08mi
4300 Orchard Ridge Blvd Baltimore, MD 1.0–3.0 1.0–2.0 1021 $1,809 $1.77 45d 1 0.31mi
3566 Dudley Ave Baltimore, MD 2.0 1.0 896 $1,800 $2.01 25d 1 0.32mi
3646 Lyndale Ave Baltimore, MD 2.0 1.5 840 $1,475 $1.76 45d 1 0.51mi
3902 Erdman Ave Unit 1 Baltimore, MD 2.0 1.0 1000 $1,275 $1.27 25d 1 0.56mi
4408 Bowleys Ln Baltimore, MD 2.0 1.0 682 $1,439 $2.11 4d 1 0.61mi
5305 Moravia Rd Baltimore, MD 3.0 1.0 679 $1,993 $2.93 3d 1 0.62mi
4901 Gunther Ave Baltimore, MD 1.0–3.0 1.0–2.0 742 $1,463 $1.97 3d 1 0.73mi
3028 Kenyon Ave Baltimore, MD 2.0 2.0 1075 $1,395 $1.30 45d 1 0.75mi
4409 Moravia Rd Baltimore, MD 2.0 1.0 861 $1,385 $1.61 45d 3 0.76mi
6004 Amberwood Rd Baltimore, MD 2.0 1.0 751 $1,220 $1.62 21d 1 0.78mi
3339 Elmora Ave Baltimore, MD 3.0 2.0 896 $1,600 $1.79 45d 1 0.97mi
3343 Ravenwood Ave Unit 3343 Baltimore, MD 2.0 2.0 948 $1,855 $1.96 19d 1 0.97mi
3322 Ravenwood Ave Baltimore, MD 3.0 2.0 932 $1,800 $1.93 25d 1 1.00mi
3317 Lyndale Ave Baltimore, MD 3.0 1.0 900 $1,300 $1.44 45d 1 1.00mi
3315 Lyndale Ave Baltimore, MD 2.0 1.5 896 $1,650 $1.84 19d 1 1.00mi
3221 Lyndale Ave Baltimore, MD 2.0 2.0 1020 $1,700 $1.67 25d 1 1.06mi
3218 Lyndale Ave Baltimore, MD 3.0 1.5 1020 $1,500 $1.47 25d 1 1.06mi
1310 N Ellwood Ave #1 Baltimore, MD 2.0 1.0 1000 $1,550 $1.55 23d 1 1.12mi
1310 N Ellwood Ave Baltimore, MD 2.0 1.0 1000 $1,450 $1.45 13d 1 1.12mi
1323 N Kenwood Ave Unit 1 Baltimore, MD 2.0 1.5 1060 $1,350 $1.27 25d 1 1.30mi
4023 Belwood Ave Baltimore, MD 3.0 1.0 1080 $1,995 $1.85 45d 1 1.41mi
4007 Biddison Ln Apt 1 Baltimore, MD 2.0 1.0 1000 $1,279 $1.28 19d 1 1.45mi
2410 E Federal St Baltimore, MD 4.0 2.0 720 $2,200 $3.06 25d 1 1.49mi

Listing history 38 events

  1. 2026-05-08
    listed $149,900 Active 1002-char remark
  2. 2026-04-30
    historical $149,900 1002-char remark
  3. 2022-09-27
    soldstatus $130,000
  4. 2022-08-19
    soldstatus $130,000 Closed 687-char remark
    Show marketing remark (687 chars)

    Don’t miss this wonderful opportunity to own this affordable 3 Bedroom/1 ½ Bath townhome. Enter the front door to a large living room and main level bedroom. Upper level has 2 additional bedrooms and full bath. Beautiful hardwood flooring throughout. Large eat in kitchen and laundry room/workshop in lower level. Newer HVAC and HWH. Fully fenced rear yard with privacy fence and shed. Close to all major routes, shops and restaurants. Add this one to your rental portfolio or great for a 1st time homebuyer!!! Property has a recent lead paint full risk reduction certificate #1016660 and has recently passed a Baltimore City rental inspection. Come take a tour of this GEM!

  5. 2022-07-17
    status Pending 687-char remark
    Show marketing remark (687 chars)

    Don’t miss this wonderful opportunity to own this affordable 3 Bedroom/1 ½ Bath townhome. Enter the front door to a large living room and main level bedroom. Upper level has 2 additional bedrooms and full bath. Beautiful hardwood flooring throughout. Large eat in kitchen and laundry room/workshop in lower level. Newer HVAC and HWH. Fully fenced rear yard with privacy fence and shed. Close to all major routes, shops and restaurants. Add this one to your rental portfolio or great for a 1st time homebuyer!!! Property has a recent lead paint full risk reduction certificate #1016660 and has recently passed a Baltimore City rental inspection. Come take a tour of this GEM!

  6. 2022-07-08
    status Active 687-char remark
    Show marketing remark (687 chars)

    Don’t miss this wonderful opportunity to own this affordable 3 Bedroom/1 ½ Bath townhome. Enter the front door to a large living room and main level bedroom. Upper level has 2 additional bedrooms and full bath. Beautiful hardwood flooring throughout. Large eat in kitchen and laundry room/workshop in lower level. Newer HVAC and HWH. Fully fenced rear yard with privacy fence and shed. Close to all major routes, shops and restaurants. Add this one to your rental portfolio or great for a 1st time homebuyer!!! Property has a recent lead paint full risk reduction certificate #1016660 and has recently passed a Baltimore City rental inspection. Come take a tour of this GEM!

  7. 2022-07-08
    historical 687-char remark
    Show marketing remark (687 chars)

    Don’t miss this wonderful opportunity to own this affordable 3 Bedroom/1 ½ Bath townhome. Enter the front door to a large living room and main level bedroom. Upper level has 2 additional bedrooms and full bath. Beautiful hardwood flooring throughout. Large eat in kitchen and laundry room/workshop in lower level. Newer HVAC and HWH. Fully fenced rear yard with privacy fence and shed. Close to all major routes, shops and restaurants. Add this one to your rental portfolio or great for a 1st time homebuyer!!! Property has a recent lead paint full risk reduction certificate #1016660 and has recently passed a Baltimore City rental inspection. Come take a tour of this GEM!

  8. 2022-07-03
    status Active 687-char remark
    Show marketing remark (687 chars)

    Don’t miss this wonderful opportunity to own this affordable 3 Bedroom/1 ½ Bath townhome. Enter the front door to a large living room and main level bedroom. Upper level has 2 additional bedrooms and full bath. Beautiful hardwood flooring throughout. Large eat in kitchen and laundry room/workshop in lower level. Newer HVAC and HWH. Fully fenced rear yard with privacy fence and shed. Close to all major routes, shops and restaurants. Add this one to your rental portfolio or great for a 1st time homebuyer!!! Property has a recent lead paint full risk reduction certificate #1016660 and has recently passed a Baltimore City rental inspection. Come take a tour of this GEM!

  9. 2022-06-22
    status Pending 687-char remark
    Show marketing remark (687 chars)

    Don’t miss this wonderful opportunity to own this affordable 3 Bedroom/1 ½ Bath townhome. Enter the front door to a large living room and main level bedroom. Upper level has 2 additional bedrooms and full bath. Beautiful hardwood flooring throughout. Large eat in kitchen and laundry room/workshop in lower level. Newer HVAC and HWH. Fully fenced rear yard with privacy fence and shed. Close to all major routes, shops and restaurants. Add this one to your rental portfolio or great for a 1st time homebuyer!!! Property has a recent lead paint full risk reduction certificate #1016660 and has recently passed a Baltimore City rental inspection. Come take a tour of this GEM!

  10. 2022-06-22
    soldstatus $120,000
    Show marketing remark (687 chars)

    Don’t miss this wonderful opportunity to own this affordable 3 Bedroom/1 ½ Bath townhome. Enter the front door to a large living room and main level bedroom. Upper level has 2 additional bedrooms and full bath. Beautiful hardwood flooring throughout. Large eat in kitchen and laundry room/workshop in lower level. Newer HVAC and HWH. Fully fenced rear yard with privacy fence and shed. Close to all major routes, shops and restaurants. Add this one to your rental portfolio or great for a 1st time homebuyer!!! Property has a recent lead paint full risk reduction certificate #1016660 and has recently passed a Baltimore City rental inspection. Come take a tour of this GEM!

  11. 2022-06-17
    price $129,900 687-char remark
    Show marketing remark (687 chars)

    Don’t miss this wonderful opportunity to own this affordable 3 Bedroom/1 ½ Bath townhome. Enter the front door to a large living room and main level bedroom. Upper level has 2 additional bedrooms and full bath. Beautiful hardwood flooring throughout. Large eat in kitchen and laundry room/workshop in lower level. Newer HVAC and HWH. Fully fenced rear yard with privacy fence and shed. Close to all major routes, shops and restaurants. Add this one to your rental portfolio or great for a 1st time homebuyer!!! Property has a recent lead paint full risk reduction certificate #1016660 and has recently passed a Baltimore City rental inspection. Come take a tour of this GEM!

  12. 2022-06-17
    listed $130,000 Active 687-char remark
    Show marketing remark (687 chars)

    Don’t miss this wonderful opportunity to own this affordable 3 Bedroom/1 ½ Bath townhome. Enter the front door to a large living room and main level bedroom. Upper level has 2 additional bedrooms and full bath. Beautiful hardwood flooring throughout. Large eat in kitchen and laundry room/workshop in lower level. Newer HVAC and HWH. Fully fenced rear yard with privacy fence and shed. Close to all major routes, shops and restaurants. Add this one to your rental portfolio or great for a 1st time homebuyer!!! Property has a recent lead paint full risk reduction certificate #1016660 and has recently passed a Baltimore City rental inspection. Come take a tour of this GEM!

  13. 2022-03-16
    price $1,790
  14. 2022-02-18
    soldstatus $120,000 Closed
    Show marketing remark (655 chars)

    This property has a first-floor bedroom and two bedrooms and a full bath on the second floor. It has a terrace, eat-in kitchen in the basement with a walkout to the fully fenced back yard which contains a shed, and a nearly new central air condenser unit. The basement also contains a laundry room with a washer and dryer as well as a shower, commode, and sanitary tub The furnace and water heater are recent. This property is being sold "As-Is" and can be a wonderful investment property or a nice property for a family to call home. It's priced right and the seller wants to sell it. .. bring a reasonable offer and let's make everyone happy.

  15. 2022-01-23
    status Pending
    Show marketing remark (655 chars)

    This property has a first-floor bedroom and two bedrooms and a full bath on the second floor. It has a terrace, eat-in kitchen in the basement with a walkout to the fully fenced back yard which contains a shed, and a nearly new central air condenser unit. The basement also contains a laundry room with a washer and dryer as well as a shower, commode, and sanitary tub The furnace and water heater are recent. This property is being sold "As-Is" and can be a wonderful investment property or a nice property for a family to call home. It's priced right and the seller wants to sell it. .. bring a reasonable offer and let's make everyone happy.

  16. 2022-01-11
    listed $129,900 Active
    Show marketing remark (655 chars)

    This property has a first-floor bedroom and two bedrooms and a full bath on the second floor. It has a terrace, eat-in kitchen in the basement with a walkout to the fully fenced back yard which contains a shed, and a nearly new central air condenser unit. The basement also contains a laundry room with a washer and dryer as well as a shower, commode, and sanitary tub The furnace and water heater are recent. This property is being sold "As-Is" and can be a wonderful investment property or a nice property for a family to call home. It's priced right and the seller wants to sell it. .. bring a reasonable offer and let's make everyone happy.

  17. 2021-11-23
    historical
  18. 2021-09-02
    price $134,900
  19. 2021-07-30
    listed $139,900 Active
  20. 2015-08-04
    historical Withdrawn
  21. 2015-08-04
    historical
  22. 2015-06-18
    price
  23. 2015-05-04
    price
  24. 2015-04-08
    listed Active
  25. 2015-04-08
    listed $89,499
  26. 2015-01-04
    historical
  27. 2015-01-03
    historical
  28. 2014-10-07
    price
  29. 2014-07-29
    price
  30. 2014-06-23
    listed Active
  31. 2014-06-23
    listed $87,499
  32. 2014-06-17
    historical Withdrawn
  33. 2014-06-16
    historical
  34. 2014-05-02
    status Active
  35. 2014-05-01
    historical
  36. 2014-05-01
    listed
  37. 2014-05-01
    listed $115,000
  38. 1995-07-19
    soldstatus $43,000

ⓘ 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
$2,275 · $190/mo
Projected year-2 tax
$2,275 · $190/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
$20,984
− Mortgage interest
−$8,397
− Property taxes
−$2,275
− Insurance
−$750
− Repairs & maintenance
−$1,679
− Management
−$1,679
− Depreciation
−$4,361
Taxable income
$1,845
combined federal + state — saved on this device
Est. tax owed @ 24.0%
−$443
After-tax cash flow
$3,677/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

Price history

+248.6% since first listed
39 events — show timeline
  • 2026-05-22 Pending BRIGHT MLS
  • 2026-05-08 Listed $149,900 BRIGHT MLS
  • 2026-04-30 Coming Soon $149,900 BRIGHT MLS
  • 2022-09-27 Sold (Public Records) $130,000 Public Records
  • 2022-08-19 Sold (MLS) $130,000 BRIGHT MLS
  • 2022-07-17 Pending BRIGHT MLS
  • 2022-07-08 Relisted BRIGHT MLS
  • 2022-07-08 Listing Removed BRIGHT MLS
  • 2022-07-03 Relisted BRIGHT MLS
  • 2022-06-22 Pending BRIGHT MLS
  • 2022-06-22 Sold (Public Records) $120,000 Public Records
  • 2022-06-17 Price Changed $129,900 BRIGHT MLS
  • 2022-06-17 Listed $130,000 BRIGHT MLS
  • 2022-03-16 Price Changed $1,790 RENT.
  • 2022-02-18 Sold (MLS) $120,000 BRIGHT MLS
  • 2022-01-23 Pending BRIGHT MLS
  • 2022-01-11 Listed $129,900 BRIGHT MLS
  • 2021-11-23 Listing Removed BRIGHT MLS
  • 2021-09-02 Price Changed $134,900 BRIGHT MLS
  • 2021-07-30 Listed $139,900 BRIGHT MLS
  • 2015-08-04 Delisted MRIS
  • 2015-08-04 Listing Removed BRIGHT MLS
  • 2015-06-18 Price Changed MRIS
  • 2015-05-04 Price Changed MRIS
  • 2015-04-08 Listed MRIS
  • 2015-04-08 Listed $89,499 BRIGHT MLS
  • 2015-01-04 Delisted MRIS
  • 2015-01-03 Listing Removed BRIGHT MLS
  • 2014-10-07 Price Changed MRIS
  • 2014-07-29 Price Changed MRIS
  • 2014-06-23 Listed MRIS
  • 2014-06-23 Listed $87,499 BRIGHT MLS
  • 2014-06-17 Delisted MRIS
  • 2014-06-16 Listing Removed BRIGHT MLS
  • 2014-05-02 Relisted MRIS
  • 2014-05-01 Listed $115,000 BRIGHT MLS
  • 2014-05-01 Listed MRIS
  • 2014-05-01 Delisted MRIS
  • 1995-07-19 Sold (Public Records) $43,000 Public Records

Property tax history

-0.6%/yr

Latest (2025): $2,275 · +2.0% YoY. Source: county tax records.

Cash-flow waterfall

monthly

Sold comps — $/sqft

last 12 mo · ≤1 mi

Loading sold comps…