14125 Zinnia Ln · Fountainhead-Orchard Hills, MD 21742

$160,000

3 bd · 2.0 ba · 1,280 sqft · SingleFamily · 21 Days on market

Built 2024 Good condition Est $307k · 48% under

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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 +21.1/30.0
• ARV discount +15.0/15.0
• DSCR +6.7/10.0
• 1% rule +5.5/10.0
• Condition / age +4.0/5.0
• Rent growth +3.6/5.0
• Livability +2.5/5.0
• Schools +2.3/10.0
• Appreciation +0.0/10.0

Listing remarks

🏡 2024 Double‑Wide Manufactured Home – Spacious, Modern & Move‑In Ready Hagerstown, MD – Larger Rented Lot 75 X 100 Near Hagerstown Airport & I‑81 Step into comfort, convenience, and modern one‑level living in this 2024 (48' x 26' 8") double‑wide home located on a larger rented lot with mountain and farm‑field views. This 2 year old home is in very good condition and offers an open, layout with thoughtful accessibility features throughout. Property Highlights include, 3 Bedrooms, 2 Full Baths, Primary bath with step‑in shower, Hall bath with tub/shower combo, Open Floor Plan, Bright living room flows into a spacious kitchen, Large center island with 2‑seat break

Key facts

• Open floor plan
• Large center island
• Front entrance ramp

Tags

• MOUNTAIN AND FARM-FIELD VIEWS
• OPEN FLOOR PLAN
• LARGE CENTER ISLAND
• ABUNDANT CABINETRY
• LARGE LAUNDRY ROOM
• FRONT ENTRANCE RAMP

Property features AI

Finance

• Other: Property manager present; Property condition: very good
• Financial info: Ground rent payment: monthly (amount listed separately); Ownership interest listed as ground rent
• HOA & community: Park name: Fortney Homes; Ground rent exists (monthly payment; case-by-case pet approval)

Exterior

• Parking: Off-street parking for 2 vehicles via concrete driveway (total 2 spaces)
• Security: No specific security system listed
• Utilities: Public water and public sewer; Electric service (200+ amp), electric heating fuel and electric hot water; Cable and broadband internet available; Municipal trash not provided
• Home design: Manufactured double-wide home (Hudson model by Eagle River); One-story / entry-level living; Estimated year built; Not in a federal flood zone; Level, rural lot with front and rear yard and landscaping; Private road access (gravel/stone)
• Construction: Vinyl siding; Asbestos shingle roof; Building not winterized
• Exterior features: Porch(es); Exterior lighting; Shed

Interior

• Kitchen: Kitchen appliances include refrigerator, built-in microwave, self-cleaning oven/range (electric), icemaker; Kitchen features island, country-style design, and table space
• Bedrooms: Three main-level bedrooms
• Flooring: Carpet; Laminate plank
• Bathrooms: Two full bathrooms (both on the main level)
• Heating & cooling: Heat pump with electric backup; Central air; Ceiling fans; 200+ amp electric service
• Interior features: Open floor plan with crown moldings and recessed lighting; Breakfast area and eat-in country kitchen with island and table space; Pantry; Master bath with walk-in shower; Tub/shower combination; Walk-in closet(s); Ceiling fan(s); Entry-level bedroom; Window treatments; Sprinkler system
• Laundry & utility: Main-floor laundry with front-loading washer and electric dryer; Electric water heater

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $160k. Condition is rated good.

Deal economics

• At list price, monthly cash flow is $227 ($3k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $160k).
• Recommended offer: $158k (1.5% below list) — sets the bar for market timing.
• Cap rate 8.0% vs local median 3.4% in Fountainhead-Orchard Hills — 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: area grade C — affects rentability + tenant quality, not the cash-flow math above.
• Washingtion County Public Schools (suburban): math 18% / reading 33% proficiency, ranked #13 of 24 in MD (top 54%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover.
• Zoned schools: Maugansville Elementary (math 13% / reading 17%, grade F, #451 of 860 statewide, top 54%, 676 students, 64% FRL); Western Heights Middle (math 6% / reading 30%, grade F, #165 of 225 statewide, top 75%, 903 students, 77% FRL); North Hagerstown High (math 31% / reading 63%, grade D-, #114 of 222 statewide, top 52%, 1,438 students, 62% FRL) — zoned schools average 68% FRL vs 39% district-wide (28 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Market conditions: Rents rising fast (+4.5%/yr); 220 active listings in the ZIP; 2 comparable units currently listed for rent nearby; solid renter incomes; 232 units permitted in Washington County in 2024 (12 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 $5k of value loss. Plan a longer hold.

Negotiation context

• It's been on market 21 days — a 2% lower offer ($158k) is reasonable based on typical stale-listing flexibility.

Recommended offer $157,600 (1.5% below list)

Questions for the listing agent

1. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
2. 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.
3. 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.
4. 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: 1.05% ✓
• Cap rate: 8.00%
• Cash-on-cash: 6.08%
• DSCR: 1.27
• GRM: 7.9

CMA / ARV

• ARV (on-the-fly): $307,200
• Comps found: 3

Show comp detail 3 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
14108 William Talcott Ln	0.10mi	2/2.0 (-1)	1,140 (-11%)	5mo	$35,000	$31	68
18802 Marilew Ct	0.31mi	3/2.5	1,456 (+14%)	14mo	$350,000	$240	49
18931 Air View Rd	0.47mi	3/2.0	1,440 (+12%)	14mo	$410,000	$285	45

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 · 4.46% rent growth · sell at horizon

5-year hold

• IRR: -5.3%
• Equity multiple: 0.80×
• Total profit: $-8,930
• Equity at exit: $23,857

10-year hold

• IRR: 6.1%
• Equity multiple: 1.48×
• Total profit: $21,573
• Equity at exit: $13,834

Cash invested: $44,800 (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 21742

• Home prices YoY: -32.5%
• Rents YoY: 4.5%
• Active inventory: 220
• Price-to-rent: 7.9×

Monthly cashflow live

• Estimated rent: $1,687 medium
• Mortgage (P&I): −$839
• Tax est. 1.5%: −$200 /mo · $2,400/yr
• Insurance: −$67
• HOA: −$0
• Vacancy / Maint / Mgmt: −$354
• Net cashflow: $227

Break-even live

Break-even rent $1,400

Max offer price $160,000

Occupancy floor 82%

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: $40,000
• Closing costs: $4,800
• Reserves months: —
• Total cash needed: —

Rent comps 2 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
18704 Mesa Ter Hagerstown, MD	2.0	1.0	1000	$1,150	$1.15	13d	1	0.39mi
18307 Ashley Dr Hagerstown, MD	2.0–3.0	2.0	1448	$1,750	$1.21	13d	1	1.17mi

Listing history 16 events

1. 2026-06-18
   days on market $160,000 Active 21 DOM
2. 2026-06-17
   days on market $160,000 Active 20 DOM
3. 2026-06-16
   days on market $160,000 Active 19 DOM
4. 2026-06-15
   days on market $160,000 Active 18 DOM
5. 2026-06-14
   days on market $160,000 Active 16 DOM
6. 2026-06-13
   days on market $160,000 Active 15 DOM
7. 2026-06-10
   days on market $160,000 Active 13 DOM
8. 2026-06-09
   days on market $160,000 Active 12 DOM
9. 2026-06-08
   days on market $160,000 Active 11 DOM
10. 2026-06-07
    days on market $160,000 Active 10 DOM
11. 2026-06-03
    days on market $160,000 Active 6 DOM
12. 2026-06-02
    days on market $160,000 Active 5 DOM
13. 2026-06-01
    days on market $160,000 Active 4 DOM
14. 2026-05-31
    days on market $160,000 Active 3 DOM
15. 2026-05-30
    days on market $160,000 Active 2 DOM
16. 2026-05-28
    listed $160,000 Active

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

Taxation est. · year 1

• Rental income: $20,244
• − Mortgage interest: −$8,962
• − Property taxes: −$2,400
• − Insurance: −$800
• − Repairs & maintenance: −$1,620
• − Management: −$1,620
• − Depreciation: −$4,655
• Taxable income: $188
• Est. tax owed @ 24.0%: −$45
• After-tax cash flow: $2,679/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.

Condition & rehab AI · 12 photos

Good 80/100 Cosmetic rehab

This 2024 double-wide manufactured home is in excellent condition and move-in ready. It offers a spacious, modern floor plan with thoughtful accessibility features and a well-maintained exterior. With minor updates, it can significantly increase its resale and rental value.

Value-add opportunities

• Both Painting the interior walls — Fresh paint can enhance the home's curb appeal and interior aesthetics
• Both Updating the kitchen backsplash — A modern backsplash can improve the kitchen's appearance and functionality
• Both Upgrading the flooring in the bathrooms — New flooring can make the bathrooms more inviting and functional
• Both Installing new lighting fixtures — Fresh lighting can brighten the interior and improve the home's ambiance

Renovation cost estimate screening

Value-add ROI direction

• Both Painting the interior walls — Fresh paint can enhance the home's curb appeal and interior aesthetics ↑
• Both Updating the kitchen backsplash — A modern backsplash can improve the kitchen's appearance and functionality ↑
• Both Upgrading the flooring in the bathrooms — New flooring can make the bathrooms more inviting and functional ↑
• Both Installing new lighting fixtures — Fresh lighting can brighten the interior and improve the home's ambiance ↑

ⓘ Cost ranges are severity-bucket heuristics (US national rule-of-thumb). Get contractor quotes + a written scope before underwriting a rehab budget.

Schools (NCES district)

• District: Washingtion County Public Schools
• NCES district ID: 2400660
• Math proficiency: 18% ▼ -20.00%
• Reading proficiency: 33% ▼ -17.00%
• Median HH income: $54,784
• Composite: 22.87/100
• National rank: #8007
• State rank: #13 of 24 in MD

Livability — Fountainhead-Orchard Hills

No livability data for this city. (Only ~50 U.S. cities are tracked.)

Census & demographics

• Census place: Fountainhead-Orchard Hills, MD
• County: Washington County · 98,861 people
• Metro: Hagerstown-Martinsburg, MD-WV
• Population (ZIP): 34,069
• Household income: $86,288
• Rent vs Own: 31.0% rent · 69.0% own
• Severe rent burden: 896.0

Population outlook (Washington County) Hauer SSP2

• Today (2025): 151,614 people
• By 2030: 151,455 · -0.1%
• By 2040: 150,097 · -1.0%
• By 2050: 148,193 · -2.3%
• By 2075: 146,581 · -3.3%
• By 2100: 138,025 · -9.0%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (70%)
• Race & ethnicity: White 70% Two or more races 11% Hispanic / Latino 10% Black 10% Asian 3%
• Hispanic origin (detail): Mexican 3% Puerto Rican 2%
• Common ancestry: Romanian 2% Lithuanian 2% Serbian 2%
• Foreign-born: 8% · Canada, South Korea
• Languages at home: 89% English-only · Spanish 7% Other Indo-European 2% German/W. Germanic 1%

Political lean MEDSL · Washington

• 2024 margin: Strong R (+23.0) · D 37.3% · R 60.4% · Other 2.3%
• 2008→2024 swing: -10.2pp toward R · 2008: -12.9pp · 2024: -23.0pp
• All cycles: 2024: R+23.0 2020: R+20.9 2016: R+32.4 2012: R+18.5 2008: R+12.9

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -113.60%
• Current HPI: 235.6784
• Rent YoY: ▲ 4.46%
• Metro: Hagerstown-Martinsburg, MD-WV
• 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

1 event — show timeline

• 2026-05-28 Listed $160,000 BRIGHT MLS