1351 Cambria St · Baltimore, MD 21225

$125,000

2 bd · 1.0 ba · 986 sqft · Townhouse public records · 406 Days on market

Built 1942 2,178 sqft lot $127/sqft · 12% above area Est $111k · 12% over

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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 +28.7/30.0
• DSCR +10.0/10.0
• 1% rule +7.5/10.0
• Livability +3.8/5.0
• Rent growth +3.5/5.0
• Condition / age +2.5/5.0
• ARV discount +2.0/15.0
• Schools +1.0/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

POST AUCTION - Make an offer, buy it now! 2 Story Townhouse located in the Curtis Bay area of Baltimore City. Residents can enjoy the nearby attractions such as Bay Brook Park, Ritchie Hwy Shopping Center, & Medstar Harbor Hospital. Property also allows for easy access to Downtown Baltimore by S Hanover St. Easy Access to Major Traffic Artery 895. Property is Rented. Deposit: $15,000.

Key facts

• 2 story townhouse
• Built 1942
• Listed 406 days

Tags

• 2 STORY TOWNHOUSE

What this means for you Summary

Snapshot

• This is a 2-bed/1.0-bath townhouse listed at $125k.

Deal economics

• At list price, monthly cash flow is $416 ($5k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $125k).
• Recommended offer: $110k (12.0% below list) — sets the bar for market timing.
• Cap rate 10.3% 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 (+4.1%/yr); 165 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 35% of the median local income ($54k/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 $864 of loan paydown is wiped out by about $4k 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.
• At projected returns (-3.0% appreciation + 4.1% rent growth), your $35k cash investment doubles in ~8 years — after that, you're playing with house money.

Negotiation context

• It's been on market 406 days — a 12% lower offer ($110k) is reasonable based on typical stale-listing flexibility.
• 8 sale attempts since 27y ago; this cycle's ask is 108% above the opening price — seller raised mid-cycle; expect resistance to lowballs.
• Current owner paid $29k; list at $125k implies a 334% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: built in 1942 — 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 $110,000 (12.0% below list)

Questions for the listing agent

1. It's been on market 406 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
2. Built in 1942 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
4. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
5. 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?
6. 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?
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: 1.25% ✓
• Cap rate: 10.29%
• Cash-on-cash: 14.26%
• DSCR: 1.63
• GRM: 6.7

CMA / ARV

• ARV (median comp): $111,407
• List price: $125,000
• Delta: 12.20%
• Verdict: OVERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
1347 Cambria St	0.01mi	3/2.5 (+1)	986 (0%)	3mo	$177,000	$180	86
3731 10th St	0.28mi	2/1.0	1,041 (+6%)	3mo	$125,000	$120	75
4523 Pennington Ave	0.53mi	2/2.0	1,008 (+2%)	4mo	$105,000	$104	64
4132 Doris Ave	0.71mi	3/1.5 (+1)	992 (+1%)	1mo	$215,000	$217	58
3712 8th St	0.50mi	2/1.5	1,088 (+10%)	0mo	$60,000	$55	57
4144 Townsend Ave	0.72mi	3/1.5 (+1)	992 (+1%)	3mo	$90,100	$91	56
1408 Olmstead St	0.31mi	3/1.5 (+1)	1,116 (+13%)	4mo	$215,000	$193	53
916 Jack St	0.42mi	3/1.5 (+1)	1,116 (+13%)	1mo	$145,000	$130	51
4009 8th St	0.54mi	2/2.5	1,088 (+10%)	2mo	$223,000	$205	50
3948 Brooklyn Ave	0.63mi	3/1.5 (+1)	1,080 (+10%)	0mo	$90,000	$83	48
3549 6th St	0.67mi	3/1.5 (+1)	1,120 (+14%)	5mo	$175,000	$156	35
3547 5th St	0.75mi	3/2.5 (+1)	1,092 (+11%)	3mo	$205,000	$188	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 · 4.08% rent growth · sell at horizon

5-year hold

• IRR: 5.8%
• Equity multiple: 1.23×
• Total profit: $7,947
• Equity at exit: $18,638

10-year hold

• IRR: 16.1%
• Equity multiple: 2.38×
• Total profit: $48,214
• Equity at exit: $10,808

Cash invested: $35,000 (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

Just-cause for tenancies > 1 yr.

Methodology + full state rankings →

ZIP-level market 21225

• Home prices YoY: -31.9%
• Rents YoY: 4.1%
• Active inventory: 165
• Price-to-rent: 6.7×

Monthly cashflow live

• Estimated rent: $1,563 high
• Mortgage (P&I): −$656
• Tax from tax record: −$111 /mo · $1,334/yr
• Insurance: −$52
• HOA: −$0
• Vacancy / Maint / Mgmt: −$328
• Net cashflow: $416

Break-even live

Break-even rent $1,036

Max offer price $125,000

Occupancy floor 68%

Sensitivity live

Price	-10% $487	-5% $451	+0% $416	+5% $381	+10% $345
Rent	-10% $292	-5% $354	+0% $416	+5% $478	+10% $539
Rate	-1.0pp $479	-0.5pp $448	base $416	+0.5pp $384	+1.0pp $351

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: $31,250
• Closing costs: $3,750
• Reserves months: —
• Total cash needed: —

Rent comps 24 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
1353 Cambria St Brooklyn, MD	3.0	2.0	986	$1,600	$1.62	18d	1	0.01mi
1305 E Patapsco Ave Brooklyn, MD	3.0	1.5	930	$1,650	$1.77	5d	1	0.08mi
1049 E Patapsco Ave Unit a Baltimore, MD	2.0	1.0	748	$1,257	$1.68	44d	1	0.21mi
1628 Plum St Apt B (CB) Baltimore, MD	1.0	1.0	800	$850	$1.06	24d	1	0.30mi
3826 10th St Unit Entire House Baltimore, MD	3.0	2.0	1110	$2,400	$2.16	24d	1	0.34mi
837 E Jeffrey St Unit 2 Baltimore, MD	1.0	1.0	1116	$900	$0.81	44d	1	0.46mi
837 E Jeffrey St Apt 1 Baltimore, MD	1.0	1.0	1116	$900	$0.81	18d	1	0.46mi
807 Stoll St Unit 1 Baltimore, MD	1.0	1.0	658	$1,000	$1.52	44d	1	0.53mi
3840 8th St Brooklyn, MD	3.0	1.5	1088	$1,606	$1.48	5d	1	0.56mi
3528 6th St Brooklyn, MD	2.0	2.5	1060	$1,500	$1.42	18d	1	0.70mi
507 Washburn Ave Brooklyn, MD	3.0	1.5	1024	$2,500	$2.44	24d	1	0.72mi
507 Washburn Ave Brooklyn, MD	3.0	1.5	1024	$2,500	$2.44	21d	1	0.72mi
507 Washburn Ave Brooklyn, MD	3.0	1.5	1024	$2,500	$2.44	5d	1	0.72mi
520 Baltic Ave Unit B Baltimore, MD	1.0	1.0	800	$1,050	$1.31	44d	1	0.78mi
4206 Audrey Ave Brooklyn, MD	3.0	3.0	1104	$1,950	$1.77	24d	1	0.79mi
4206 Audrey Ave Brooklyn, MD	2.0	2.0	1104	$1,275	$1.15	44d	1	0.79mi
5215 Wasena Ave Brooklyn, MD	3.0	1.0	1030	$1,650	$1.60	44d	1	0.84mi
3513 Horton Ave Brooklyn, MD	3.0	1.0	1020	$1,600	$1.57	18d	1	0.91mi
5227 Patrick Henry Dr Brooklyn, MD	2.0	1.0	736	$1,326	$1.80	22d	1	0.94mi
4400 4th St Unit BASEMENT Baltimore, MD	2.0	1.0	925	$1,350	$1.46	44d	1	0.97mi
4207 3rd St Unit 3 Brooklyn, MD	2.0	1.0	850	$1,595	$1.88	5d	1	1.02mi
1 Ballman Ct Unit 2 Baltimore, MD	2.0	1.0	700	$1,250	$1.79	44d	1	1.06mi
205 Arundel Rd W Brooklyn, MD	1.0	1.0	608	$1,200	$1.97	44d	1	1.36mi
217 W Edgevale Rd Brooklyn, MD	3.0	1.5	992	$1,800	$1.81	24d	1	1.41mi

Listing history 35 events

1. 2026-06-18
   days on market $125,000 Active 406 DOM
2. 2026-06-17
   days on market $125,000 Active 405 DOM
3. 2026-06-16
   days on market $125,000 Active 404 DOM
4. 2026-06-15
   days on market $125,000 Active 403 DOM
5. 2026-06-13
   days on market $125,000 Active 401 DOM
6. 2026-06-09
   days on market $125,000 Active 397 DOM
7. 2026-06-08
   days on market $125,000 Active 396 DOM
8. 2026-06-07
   days on market $125,000 Active 395 DOM
9. 2026-06-04
   days on market $125,000 Active 392 DOM
10. 2026-06-03
    days on market $125,000 Active 391 DOM
11. 2026-06-02
    days on market $125,000 Active 390 DOM
12. 2026-06-01
    days on market $125,000 Active 389 DOM
13. 2026-05-31
    days on market $125,000 Active 388 DOM
14. 2025-12-12
    price $125,000 392-char remark

    Show marketing remark (392 chars)

    POST AUCTION - Make an offer, buy it now! 2 Story Townhouse located in the Curtis Bay area of Baltimore City. Residents can enjoy the nearby attractions such as Bay Brook Park, Ritchie Hwy Shopping Center, & Medstar Harbor Hospital. Property also allows for easy access to Downtown Baltimore by S Hanover St. Easy Access to Major Traffic Artery 895. Property is Rented. Deposit: $15,000.

15. 2025-05-08
    listed $60,000 Active 392-char remark

    Show marketing remark (392 chars)

    POST AUCTION - Make an offer, buy it now! 2 Story Townhouse located in the Curtis Bay area of Baltimore City. Residents can enjoy the nearby attractions such as Bay Brook Park, Ritchie Hwy Shopping Center, & Medstar Harbor Hospital. Property also allows for easy access to Downtown Baltimore by S Hanover St. Easy Access to Major Traffic Artery 895. Property is Rented. Deposit: $15,000.

16. 2010-01-06
    historical
17. 2010-01-06
    historical
18. 2009-12-21
    listed Active
19. 2009-12-21
    listed $36,900
20. 2009-10-16
    soldstatus $28,800 Sold
21. 2009-10-16
    soldstatus $28,800
22. 2009-09-24
    historical
23. 2009-09-24
    historical
24. 2009-09-21
    listed $28,800 Active
25. 2009-09-21
    listed $28,800
26. 2008-05-06
    historical
27. 2008-03-30
    listed
28. 2007-03-07
    historical
29. 2006-12-05
    listed
30. 2005-05-20
    soldstatus $37,800
31. 2004-09-13
    soldstatus $45,000
32. 1999-08-26
    soldstatus $21,500
33. 1999-07-09
    historical
34. 1999-03-24
    listed $22,900
35. 1992-03-11
    soldstatus $50,000

ⓘ 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: $1,334 · $111/mo
• Projected year-2 tax: $1,348 · $112/mo
• Expected delta: +$14/yr (+$1/mo · 1.1%)

ⓘ 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 5 unhealthy d/yr today · 7 by 30 yrs out

Taxation est. · year 1

• Rental income: $18,755
• − Mortgage interest: −$7,002
• − Property taxes: −$1,334
• − Insurance: −$625
• − Repairs & maintenance: −$1,500
• − Management: −$1,500
• − Depreciation: −$3,636
• Taxable income: $3,157
• Est. tax owed @ 24.0%: −$758
• After-tax cash flow: $4,233/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: Anne Arundel County · 535,653 people
• City population: 588,727
• Metro: Baltimore-Columbia-Towson, MD
• Population (ZIP): 34,062
• Household income: $54,020
• Rent vs Own: 50.4% rent · 49.6% own
• Severe rent burden: 1440.0

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 0.68)
• Race & ethnicity: Black 42% White 32% Hispanic / Latino 20% Two or more races 8% Native American 3% Asian 2%
• Hispanic origin (detail): Mexican 5% Puerto Rican 1%
• Common ancestry: Romanian 2% Lithuanian 1% Iranian 1%
• Foreign-born: 12% · Canada, China
• Languages at home: 81% English-only · Spanish 16% Other Indo-European 1% French/Haitian/Cajun 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: ▼ -119.44%
• Current HPI: 254.5089
• Rent YoY: ▲ 4.08%
• 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

+150.0% since first listed

22 events — show timeline

• 2025-12-12 Price Changed $125,000 BRIGHT MLS
• 2025-05-08 Listed $60,000 BRIGHT MLS
• 2010-01-06 Delisted — MRIS
• 2010-01-06 Listing Removed — BRIGHT MLS
• 2009-12-21 Listed — MRIS
• 2009-12-21 Listed $36,900 BRIGHT MLS
• 2009-10-16 Sold (MLS) $28,800 BRIGHT MLS
• 2009-10-16 Sold (MLS) $28,800 MRIS
• 2009-09-24 Delisted — MRIS
• 2009-09-24 Listing Removed — BRIGHT MLS
• 2009-09-21 Listed $28,800 MRIS
• 2009-09-21 Listed $28,800 BRIGHT MLS
• 2008-05-06 Delisted — MRIS
• 2008-03-30 Listed — MRIS
• 2007-03-07 Delisted — MRIS
• 2006-12-05 Listed — MRIS
• 2005-05-20 Sold (Public Records) $37,800 Public Records
• 2004-09-13 Sold (Public Records) $45,000 Public Records
• 1999-08-26 Sold (MLS) $21,500 MRIS
• 1999-07-09 Delisted — MRIS
• 1999-03-24 Listed $22,900 MRIS
• 1992-03-11 Sold (Public Records) $50,000 Public Records

Property tax history

+0.1%/yr

Latest (2025): $1,334 · +30.9% YoY. Source: county tax records.