126 Sollers Point Rd · Dundalk, MD 21222

$105,000

3 bd · 1.0 ba · 812 sqft · Townhouse public records · 21 Days on market

Built 1944 1,540 sqft lot Est $155k · 32% under

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Why this score? — see what drove the B+ 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 +30.0/30.0
• ARV discount +15.0/15.0
• 1% rule +10.0/10.0
• DSCR +10.0/10.0
• Livability +4.2/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Schools +2.3/10.0
• Appreciation +0.0/10.0

Key facts

• Built 1944
• Listed 21 days

Property features AI

Finance

• Financial info: Fee simple ownership

Exterior

• Parking: On-street parking
• Utilities: Public water; Public sewer; Electric hot water; Oil heating
• Home design: Interior townhouse/rowhouse; Brick construction
• Construction: Crawl space foundation; Above-grade and below-grade structures noted
• Exterior features: Public water and public sewer; Ground rent paid annually

Interior

• Bedrooms: Two bedrooms on the first upper level; One bedroom on the second upper level
• Bathrooms: One full bathroom
• Heating & cooling: Forced air heating (oil); Window air conditioning units (electric); Electric hot water
• Interior features: No basement

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath townhouse listed at $105k.

Deal economics

• At list price, monthly cash flow is $751 ($9k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $105k).
• Recommended offer: $103k (1.5% below list) — sets the bar for market timing.
• Cap rate 14.9% vs local median 6.2% in Dundalk — 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 85/100 on livability (#16 in MD, #510 nationally) — a professional / high-income tenant draw. Strengths: amenities A+, commute A+, housing A+; Watch: crime F.
• Baltimore County Public Schools (suburban): math 15% / reading 34% proficiency, ranked #11 of 24 in MD (top 46%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover.
• Market conditions: Rents soft (-0.1%/yr); 236 active listings in the ZIP; 11 comparable units currently listed for rent nearby; rentals at typical pace (median 16d on market — plan ~3-4 weeks tenant-placement turnaround); 1,511 units permitted in Baltimore County in 2024 (643 in 5+ unit buildings).
• This rent runs 34% of the median local income ($64k/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 $726 of loan paydown is wiped out by about $3k of value loss. Plan a longer hold.
• Baltimore County population projected at +12% by 2050 — modest demand growth; plan on rents tracking national, not racing it.
• At projected returns (-3.0% appreciation + 0.0% rent growth), your $29k cash investment doubles in ~5 years — after that, you're playing with house money.

Negotiation context

• It's been on market 21 days — a 2% lower offer ($103k) is reasonable based on typical stale-listing flexibility.

Risks & watch-outs

• Watch-outs: built in 1944 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: major wind risk, 58% 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 $103,425 (1.5% below list)

Questions for the listing agent

1. Built in 1944 — 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 A-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?
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: 1.75% ✓
• Cap rate: 14.88%
• Cash-on-cash: 30.66%
• DSCR: 2.36
• GRM: 4.8

CMA / ARV

• ARV (on-the-fly): $155,092
• Comps found: 10

Show comp detail 10 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
300 Chestnut St	0.23mi	2/1.0 (-1)	812 (0%)	4mo	$150,000	$185	80
411 Main St	0.30mi	2/1.0 (-1)	812 (0%)	3mo	$88,500	$109	78
323 Pine St	0.19mi	2/1.0 (-1)	812 (0%)	12mo	$150,000	$185	76
246 Chestnut St	0.22mi	2/1.0 (-1)	812 (0%)	11mo	$155,000	$191	75
219 Chestnut St	0.19mi	2/1.0 (-1)	812 (0%)	18mo	$145,000	$179	71
234 Chestnut St	0.21mi	2/1.0 (-1)	812 (0%)	22mo	$170,000	$209	66
120 Chestnut St	0.20mi	2/1.0 (-1)	812 (0%)	24mo	$155,000	$191	66
406 Maple Ln	0.28mi	3/1.0	756 (-7%)	20mo	$160,000	$212	58
3439 Mcshane Way	0.56mi	3/2.0	896 (+10%)	6mo	$210,000	$234	48
3414 Mcshane Way	0.61mi	2/1.5 (-1)	896 (+10%)	4mo	$217,500	$243	44

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 · 0.0% rent growth · sell at horizon

5-year hold

• IRR: 22.0%
• Equity multiple: 1.87×
• Total profit: $25,465
• Equity at exit: $15,656

10-year hold

• IRR: 28.0%
• Equity multiple: 3.14×
• Total profit: $63,061
• Equity at exit: $9,078

Cash invested: $29,400 (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 21222

• Rents YoY: -0.1%
• Active inventory: 236
• Price-to-rent: 4.8×

Monthly cashflow live

• Estimated rent: $1,833 high
• Mortgage (P&I): −$551
• Tax from tax record: −$102 /mo · $1,227/yr
• Insurance: −$44
• HOA: −$0
• Vacancy / Maint / Mgmt: −$385
• Net cashflow: $751

Break-even live

Break-even rent $882

Max offer price $105,000

Occupancy floor 54%

Sensitivity live

Price	-10% $811	-5% $781	+0% $751	+5% $721	+10% $692
Rent	-10% $606	-5% $679	+0% $751	+5% $824	+10% $896
Rate	-1.0pp $804	-0.5pp $778	base $751	+0.5pp $724	+1.0pp $696

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: $26,250
• Closing costs: $3,150
• Reserves months: —
• Total cash needed: —

Rent comps 11 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
214 Center St Dundalk, MD	3.0	1.5	992	$1,795	$1.81	11d	1	0.12mi
108 Chestnut St Dundalk, MD	2.0	1.0	812	$1,300	$1.60	17d	1	0.23mi
511 Avondale Rd Dundalk, MD	2.0–4.0	1.0–2.0	1146	$1,735	$1.51	2d	69	0.28mi
3503 Sollers Point Rd Dundalk, MD	3.0	1.0	776	$1,850	$2.38	13d	1	0.47mi
3481 McShane Way Dundalk, MD	2.0	1.5	896	$2,150	$2.40	44d	1	0.52mi
7718 Meath Rd Dundalk, MD	3.0	2.0	864	$2,200	$2.55	44d	1	0.53mi
3443 Dunhaven Rd Dundalk, MD	2.0	2.0	1016	$1,900	$1.87	5d	1	0.60mi
8220 Cornwall Rd Dundalk, MD	3.0	2.0	1125	$1,775	$1.58	44d	1	0.68mi
2976 Cornwall Rd Unit 1 Dundalk, MD	2.0	1.0	900	$1,590	$1.77	15d	1	0.98mi
7003 Dunmanway Dundalk, MD	1.0–2.0	1.0	772	$1,345	$1.74	2d	13	1.13mi
2624 Liberty Pkwy Dundalk, MD	3.0	1.5	1110	$1,856	$1.67	44d	1	1.40mi

Listing history 17 events

1. 2026-06-18
   days on market $105,000 Active 21 DOM
2. 2026-06-17
   days on market $105,000 Active 20 DOM
3. 2026-06-16
   days on market $105,000 Active 19 DOM
4. 2026-06-15
   days on market $105,000 Active 18 DOM
5. 2026-06-13
   days on market $105,000 Active 16 DOM
6. 2026-06-09
   days on market $105,000 Active 12 DOM
7. 2026-06-08
   days on market $105,000 Active 11 DOM
8. 2026-06-07
   days on market $105,000 Active 10 DOM
9. 2026-06-04
   days on market $105,000 Active 7 DOM
10. 2026-06-03
    days on market $105,000 Active 6 DOM
11. 2026-06-02
    days on market $105,000 Active 5 DOM
12. 2026-06-01
    days on market $105,000 Active 4 DOM
13. 2026-05-31
    days on market $105,000 Active 3 DOM
14. 2026-05-28
    listed $105,000 Active
15. 2026-04-16
    soldstatus $294,020
16. 1972-03-30
    soldstatus $6,000
17. 1972-02-10
    soldstatus $6,000

ⓘ 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: $1,227 · $102/mo
• Projected year-2 tax: $1,227 · $102/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 4/10 Moderate FEMA zone X (unshaded) · 13% 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 58% chance of damaging wind over 30 yrs
• 🫁 Air quality 5/10 Major 6 unhealthy d/yr today · 8 by 30 yrs out

Taxation est. · year 1

• Rental income: $21,992
• − Mortgage interest: −$5,882
• − Property taxes: −$1,227
• − Insurance: −$525
• − Repairs & maintenance: −$1,759
• − Management: −$1,759
• − Depreciation: −$3,055
• Taxable income: $7,785
• Est. tax owed @ 24.0%: −$1,868
• After-tax cash flow: $7,145/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 County Public Schools
• NCES district ID: 2400120
• Math proficiency: 15% ▼ -16.00%
• Reading proficiency: 34% ▼ -5.00%
• Median HH income: $66,746
• Composite: 23.17/100
• National rank: #7948
• State rank: #11 of 24 in MD

Livability — Dundalk

• Score: 85/100
• State rank: #16
• US rank: #510

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Dundalk, MD
• County: Baltimore County · 769,527 people
• City population: 59,407
• Metro: Baltimore-Columbia-Towson, MD
• Population (ZIP): 59,407
• Household income: $64,141
• Rent vs Own: 35.1% rent · 64.9% own
• Severe rent burden: 2566.0

Population outlook (Baltimore County) Hauer SSP2

• Today (2025): 885,518 people
• By 2030: 909,272 · +2.7%
• By 2040: 951,547 · +7.5%
• By 2050: 990,955 · +11.9%
• By 2075: 1,086,411 · +22.7%
• By 2100: 1,135,078 · +28.2%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Diverse neighborhood (Simpson 0.60)
• Race & ethnicity: White 59% Black 18% Hispanic / Latino 15% Two or more races 7% Asian 2% Native American 1%
• Hispanic origin (detail): Mexican 3% Puerto Rican 2%
• Common ancestry: Romanian 7% Lithuanian 1% Italian 1%
• Foreign-born: 9% · Canada
• Languages at home: 85% English-only · Spanish 11% Other Indo-European 2% Arabic 1%

Political lean MEDSL · Baltimore

• 2024 margin: Strong D (+24.5) · D 61.0% · R 36.5% · Other 2.5%
• 2008→2024 swing: +9.9pp toward D · 2008: 14.6pp · 2024: 24.5pp
• All cycles: 2024: D+24.5 2020: D+27.0 2016: D+17.4 2012: D+16.4 2008: D+14.6

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -251.44%
• Current HPI: 228.4218
• Rent YoY: ▼ -0.09%
• 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

+1650.0% since first listed

4 events — show timeline

• 2026-05-28 Listed $105,000 BRIGHT MLS
• 2026-04-16 Sold (Public Records) $294,020 Public Records
• 1972-03-30 Sold (Public Records) $6,000 Public Records
• 1972-02-10 Sold (Public Records) $6,000 Public Records

Property tax history

+2.0%/yr

Latest (2025): $1,227 · +7.8% YoY. Source: county tax records.