544 Wilson Bridge Dr Unit 6745 B-2 · National Harbor, MD 20745

$152,000

2 bd · 1.0 ba · 892 sqft · Condo · 114 Days on market

Built 1966 Good condition $170/sqft · 23% above area Est $123k · 23% over $504/mo HOA · 23% 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).

• Cash flow +18.4/30.0
• 1% rule +9.1/10.0
• DSCR +5.8/10.0
• Livability +4.0/5.0
• Condition / age +3.8/5.0
• Rent growth +2.3/5.0
• Schools +1.7/10.0
• ARV discount +0.0/15.0
• Appreciation +0.0/10.0

Listing remarks MLS

Welcome to this beautiful 2BR 1BA home featuring granite countertops, sleek stainless steel appliances, and generously sized bedrooms. The open and spacious kitchen flows seamlessly into the living and dining areas, creating an ideal layout for both everyday living and entertaining. Conveniently located just minutes from public transportation and shopping, this home offers comfort, style, and accessibility. Perfect for a first-time buyer or investor.

Key facts

• $504 HOA
• 2 parking spots
• Community pool

What this means for you Summary

Snapshot

• This is a 2-bed/1.0-bath condo listed at $152k. Condition is rated good.

Deal economics

• At list price, monthly cash flow is $76 ($913/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $152k).
• Recommended offer: $138k (9.0% below list) — sets the bar for market timing.
• Cap rate 7.4% vs local median 1.9% in National Harbor — 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 80/100 on livability (#48 in MD, #1,799 nationally) — a professional / high-income tenant draw. Strengths: crime A+, commute A+, employment A+; Watch: cost of living D-.
• Prince George'S County Public Schools (suburban): math 8% / reading 24% proficiency, ranked #21 of 24 in MD (top 88%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover.
• Zoned schools: Oxon Hill Elementary (math 2% / reading 12%, grade F, #699 of 860 statewide, top 84%, 237 students, 85% FRL); Oxon Hill Middle (math 4% / reading 22%, grade F, #199 of 225 statewide, top 88%, 767 students, 82% FRL); Oxon Hill High (math 43% / reading 68%, grade C, #85 of 222 statewide, top 39%, 1,553 students, 58% FRL) — zoned schools average 75% FRL vs 53% district-wide (22 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Market conditions: Rents soft (-0.8%/yr); 226 active listings in the ZIP; 31 comparable units currently listed for rent nearby; rentals at typical pace (median 27d on market — plan ~3-4 weeks tenant-placement turnaround); solid renter incomes; 1,481 units permitted in Prince George's County in 2024 (0 in 5+ unit buildings).
• This rent runs 34% of the median local income ($75k/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 $1k of loan paydown is wiped out by about $5k of value loss. Plan a longer hold.
• Prince George's County population projected at +18% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.

Negotiation context

• It's been on market 114 days — a 9% lower offer ($138k) is reasonable based on typical stale-listing flexibility.

Risks & watch-outs

• Watch-outs: flood insurance adds $66/mo; HOA is 23% of rent.
• Climate carrying-cost: severe flood risk; extreme-heat days projected 7→16/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $138,320 (9.0% below list)

Questions for the listing agent

1. It's been on market 114 days. Have you received any prior offers? Is the seller open to a 9% concession, seller financing, or rate buy-down credit?
2. Built in 1966 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. What's the actual annual flood-insurance premium (NFIP or private), and is the property in a SFHA with mandatory coverage?
4. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
5. Any open or pending special assessments — roof, HVAC, plumbing, elevator, façade? What's the per-unit balance and payoff schedule, and is the seller paying it off at close or rolling it to the buyer?
6. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
7. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
8. Schools are F-rated, which usually means shorter tenancies and higher turnover. Who's the typical renter profile here, and what's been the actual vacancy rate?
9. 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?
10. 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.
11. 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.
12. How much new apartment / multifamily construction is in the pipeline within 1–3 miles? Heavy new supply (>2% of stock underway) typically softens rents 12–24 months out; light construction supports rent growth.

Investment metrics

• 1% rule: 1.41% ✓
• Cap rate: 7.42%
• Cash-on-cash: 4.02%
• DSCR: 1.18
• GRM: 5.9

CMA / ARV

• ARV (median comp): $123,225
• List price: $152,000
• Delta: 23.35%
• Verdict: OVERPRICED
• Comps: 20 within 1.0 mi

Projected returns pro-forma

-3.0% appreciation · 0.0% rent growth · sell at horizon

5-year hold

• IRR: -17.9%
• Equity multiple: 0.40×
• Total profit: $-25,699
• Equity at exit: $22,664

10-year hold

• IRR: -22.9%
• Equity multiple: 0.09×
• Total profit: $-38,913
• Equity at exit: $13,142

Cash invested: $42,560 (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 20745

• Rents YoY: -0.8%
• Active inventory: 226
• Price-to-rent: 5.9×

Monthly cashflow live

• Estimated rent: $2,148 high
• Mortgage (P&I): −$797
• Tax est. 1.5%: −$190 /mo · $2,280/yr
• Insurance: −$63
• Flood insurance flood zone: −$66 /mo · $798/yr
• HOA: −$504
• Vacancy / Maint / Mgmt: −$451
• Net cashflow: $76

Break-even live

Break-even rent $2,052

Max offer price $152,000

Occupancy floor 91%

Sensitivity live

Price	-10% $181	-5% $129	+0% $76	+5% $24	+10% $-29
Rent	-10% $-94	-5% $-9	+0% $76	+5% $161	+10% $246
Rate	-1.0pp $153	-0.5pp $115	base $76	+0.5pp $37	+1.0pp $-3

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: $38,000
• Closing costs: $4,560
• Reserves months: —
• Total cash needed: —

Rent comps 31 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
510 Wilson Bridge Dr Unit 6711 C1 Oxon Hill, MD	1.0	1.0	670	$1,550	$2.31	26d	1	0.18mi
546 Wilson Bridge Dr Unit A-2 Oxon Hill, MD	1.0	1.0	668	$1,580	$2.37	6d	1	0.19mi
519 Wilson Bridge Dr Unit A1 Oxon Hill, MD	1.0	1.0	668	$1,495	$2.24	6d	1	0.34mi
541 Wilson Bridge Dr Unit C1 Oxon Hill, MD	2.0	1.0	829	$1,800	$2.17	46d	1	0.42mi
522 Wilson Bridge Dr Unit C2 Oxon Hill, MD	2.0	1.0	894	$1,800	$2.01	19d	1	0.44mi
7903 Indian Head Hwy Unit 207 Oxon Hill, MD	2.0	1.0	831	$1,950	$2.35	26d	1	0.57mi
7907 Indian Head Hwy Unit 310 Oxon Hill, MD	1.0	1.0	688	$1,575	$2.29	46d	1	0.62mi
7911 Indian Head Hwy Unit 205 Oxon Hill, MD	1.0	1.0	688	$1,575	$2.29	26d	1	0.68mi
6441 Livingston Rd Oxon Hill, MD	1.0–2.0	1.0	793	$1,682	$2.12	0d	2	0.76mi
145 Riverhaven Dr #428 Oxon Hill, MD	1.0	1.0	741	$2,200	$2.97	26d	1	0.89mi
145 Riverhaven Dr #445 Oxon Hill, MD	1.0	1.0	737	$2,300	$3.12	24d	1	0.89mi
145 Riverhaven Dr #305 Oxon Hill, MD	1.0	1.0	732	$2,400	$3.28	21d	1	0.89mi
145 Riverhaven Dr #451 Oxon Hill, MD	1.0	1.0	740	$3,400	$4.59	26d	1	0.89mi
145 Riverhaven Dr #549 Oxon Hill, MD	1.0	1.0	737	$2,695	$3.66	1d	1	0.89mi
145 Riverhaven Dr #335 Oxon Hill, MD	2.0	2.0	928	$3,200	$3.45	46d	1	0.89mi
145 Riverhaven Dr #314 Oxon Hill, MD	2.0	2.0	954	$3,200	$3.35	46d	1	0.89mi
145 Riverhaven Dr #214 Oxon Hill, MD	2.0	2.0	956	$2,975	$3.11	46d	1	0.89mi
145 Riverhaven Dr #533 Oxon Hill, MD	1.0	1.0	737	$2,400	$3.26	46d	1	0.89mi
145 Riverhaven Dr Unit 1 Oxon Hill, MD	1.0	1.0	737	$2,695	$3.66	15d	1	0.90mi
145 Riverhaven Dr Oxon Hill, MD	1.0	1.0	635	$2,395	$3.77	46d	1	0.90mi
250 American Way Oxon Hill, MD	2.0	1.0–2.0	906	$3,255	$3.59	0d	14	0.92mi
155 Potomac Psge #908 Oxon Hill, MD	2.0	2.0	1111	$3,200	$2.88	46d	1	0.99mi
155 Potomac Psge #436 Oxon Hill, MD	1.0	1.0	701	$2,350	$3.35	46d	1	0.99mi
155 Potomac Psge #408 Oxon Hill, MD	1.0	1.0	629	$2,200	$3.50	21d	1	0.99mi
155 Potomac Psge #712 Oxon Hill, MD	2.0	2.0	994	$3,500	$3.52	46d	1	0.99mi
155 Potomac Psge Ph 10 Oxon Hill, MD	2.0	2.0	990	$3,050	$3.08	46d	1	0.99mi
157 Fleet St Oxon Hill, MD	1.0	1.0	804	$2,522	$3.14	5d	2	1.01mi
157 Fleet St Oxon Hill, MD	1.0–2.0	1.0	692	$2,795	$4.04	17d	4	1.01mi
157 Fleet St Oxon Hill, MD	1.0–2.0	1.0	803	$2,795	$3.48	15d	2	1.01mi
6801 Bock Rd Fort Washington, MD	1.0	1.0	784	$1,609	$2.05	21d	1	1.14mi
8704 Cumbria Ct Unit C Fort Washington, MD	2.0	2.0	979	$2,199	$2.25	12d	1	1.49mi

HOA detail condo

• Monthly dues: $504 · $6,048/yr
• Assessments: None detected in remarks — confirm with the listing agent.

Listing history 17 events

1. 2026-06-22
   days on market $152,000 Active 114 DOM
2. 2026-06-21
   days on market $152,000 Active 113 DOM
3. 2026-06-18
   days on market $152,000 Active 110 DOM
4. 2026-06-17
   days on market $152,000 Active 109 DOM
5. 2026-06-16
   days on market $152,000 Active 108 DOM
6. 2026-06-15
   days on market $152,000 Active 107 DOM
7. 2026-06-13
   days on market $152,000 Active 105 DOM
8. 2026-06-10
   days on market $152,000 Active 101 DOM
9. 2026-06-08
   days on market $152,000 Active 100 DOM
10. 2026-06-07
    days on market $152,000 Active 99 DOM
11. 2026-06-04
    days on market $152,000 Active 96 DOM
12. 2026-06-03
    days on market $152,000 Active 95 DOM
13. 2026-06-02
    days on market $152,000 Active 94 DOM
14. 2026-06-01
    days on market $152,000 Active 93 DOM
15. 2026-05-31
    days on market $152,000 Active 92 DOM
16. 2026-03-01
    listed $152,000 Active 454-char remark

    Show marketing remark (454 chars)

    Welcome to this beautiful 2BR 1BA home featuring granite countertops, sleek stainless steel appliances, and generously sized bedrooms. The open and spacious kitchen flows seamlessly into the living and dining areas, creating an ideal layout for both everyday living and entertaining. Conveniently located just minutes from public transportation and shopping, this home offers comfort, style, and accessibility. Perfect for a first-time buyer or investor.

17. 2026-02-06
    historical $152,000 454-char remark

    Show marketing remark (454 chars)

    Welcome to this beautiful 2BR 1BA home featuring granite countertops, sleek stainless steel appliances, and generously sized bedrooms. The open and spacious kitchen flows seamlessly into the living and dining areas, creating an ideal layout for both everyday living and entertaining. Conveniently located just minutes from public transportation and shopping, this home offers comfort, style, and accessibility. Perfect for a first-time buyer or investor.

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

Climate risk First Street

• 🌊 Flood 8/10 Severe FEMA zone X (unshaded) · 99% chance over 30 yrs
• 🔥 Wildfire 3/10 Moderate
• 🌡 Heat 8/10 Severe 7 d/yr ≥104°F today · 16 d/yr by 30 yrs out
• 💨 Wind 4/10 Moderate 21% 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: $25,776
• − Mortgage interest: −$8,514
• − Property taxes: −$2,280
• − Insurance: −$1,558
• − Repairs & maintenance: −$2,062
• − Management: −$2,062
• − HOA: −$6,048
• − Depreciation: −$4,422
• Taxable loss: −$1,170
• Est. tax savings @ 24.0%: +$281
• After-tax cash flow: $1,193/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 · 5 photos

Good 75/100 Cosmetic rehab

This 2BR 1BA condo is in good condition with recent cosmetic updates, making it a great investment opportunity.

Value-add opportunities

• Both Paint exterior — Enhances curb appeal and resale value
• Both Replace carpet with hardwood — Improves aesthetics and rental appeal
• Both Install smart home devices — Enhances convenience and marketability

Renovation cost estimate screening

Value-add ROI direction

• Both Paint exterior — Enhances curb appeal and resale value ↑
• Both Replace carpet with hardwood — Improves aesthetics and rental appeal ↑
• Both Install smart home devices — Enhances convenience and marketability ↑

ⓘ 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: Prince George'S County Public Schools
• NCES district ID: 2400510
• Math proficiency: 8% ▼ -11.00%
• Reading proficiency: 24% ▼ -9.00%
• Median HH income: $73,967
• Composite: 16.82/100
• National rank: #9151
• State rank: #21 of 24 in MD

Livability — National Harbor

• Score: 80/100
• State rank: #48
• US rank: #1799

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: National Harbor, MD
• County: Prince Georges County · 919,866 people
• Metro: Washington-Arlington-Alexandria, DC-VA-MD-WV
• Population (ZIP): 28,605
• Household income: $75,236
• Rent vs Own: 55.3% rent · 44.7% own
• Severe rent burden: 1770.0

Population outlook (Prince George's County) Hauer SSP2

• Today (2025): 1,005,426 people
• By 2030: 1,048,416 · +4.3%
• By 2040: 1,123,425 · +11.7%
• By 2050: 1,183,220 · +17.7%
• By 2075: 1,306,202 · +29.9%
• By 2100: 1,408,179 · +40.1%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Diverse neighborhood (Simpson 0.59)
• Race & ethnicity: Black 56% Hispanic / Latino 30% White 6% Two or more races 6% Asian 4% Native American 1%
• Common ancestry: Scotch-Irish 1%
• Foreign-born: 23% · Canada, China, South Korea
• Languages at home: 67% English-only · Spanish 26% Tagalog/Filipino 2% Russian/Polish/Slavic 1%

Political lean MEDSL · Prince George's

• 2024 margin: Solid D (+75.2) · D 86.3% · R 11.2% · Other 2.5%
• 2008→2024 swing: -3.3pp toward R · 2008: 78.5pp · 2024: 75.2pp
• All cycles: 2024: D+75.2 2020: D+80.5 2016: D+81.0 2012: D+80.9 2008: D+78.5

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -250.85%
• Current HPI: 300.5172
• Rent YoY: ▼ -0.80%
• Metro: Washington-Arlington-Alexandria, DC-VA-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

+0.0% since first listed

2 events — show timeline

• 2026-03-01 Listed $152,000 BRIGHT MLS
• 2026-02-06 Coming Soon $152,000 BRIGHT MLS