2423 Denison St · Baltimore, MD 21216

$171,900

3 bd · 1.0 ba · 1,350 sqft · Townhouse public records · 28 Days on market

Built 1920 $127/sqft · 28% below area Est $237k · 28% under ↓ 54% since listing

---

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 +16.4/30.0
• ARV discount +15.0/15.0
• DSCR +5.1/10.0
• 1% rule +4.7/10.0
• Rent growth +4.0/5.0
• Livability +3.8/5.0
• Condition / age +2.5/5.0
• Schools +1.0/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

Welcome to 2423 Denison Street — a charming Baltimore, end of group, rowhome that blends classic character with modern touches. This 3-bedroom, 1.5-bath home features beautiful hardwood floors throughout, creating a warm and cohesive feel from top to bottom. The main level offers a spacious living room, a dedicated dining area, and a well-appointed kitchen complete with stainless steel appliances and a stylish subway tile backsplash. A convenient powder room rounds out the main floor. Upstairs, you’ll find three comfortable bedrooms and a full bathroom, providing a functional layout for everyday living. The full, unfinished basement offers plenty of room for storage or the potential to customize additional living space. Enjoy outdoor living with a welcoming front porch, a rear deck perfect for entertaining, and a fully fenced concrete patio for added privacy. On-street parking adds convenience in this city location. A great opportunity to own a move-in ready home with room to make it your own!

Key facts

• Front porch
• Rear deck
• Hardwood floors

Tags

• HARDWOOD FLOORS
• STAINLESS STEEL APPLIANCES
• SUBWAY TILE BACKSPLASH
• FRONT PORCH
• REAR DECK
• FENCED CONCRETE PATIO

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath townhouse listed at $172k.

Deal economics

• At list price, monthly cash flow is $96 ($1k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $166k (3.1% below list).
• Recommended offer: $166k (3.1% below list) — sets the bar for 1% rule.

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 (+6.1%/yr); 252 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals at typical pace (median 25d on market — plan ~3-4 weeks tenant-placement turnaround); 40% of comp listings sitting > 30 days — soft ceiling on asking rent; lower-income renter base — watch delinquency; 1,273 units permitted in Baltimore city in 2024 (1,104 in 5+ unit buildings).
• At $1,665/mo this rent would consume 48% of the median local household income ($42k/yr) (locally 2264% of renters already pay >50% of income on rent) — very limited rent-growth headroom before tenants either downsize or default.

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.
• Baltimore County population projected to shrink 4% by 2050 — rents likely to lag national; underwrite the cash flow, not the appreciation.

Negotiation context

• It's been on market 28 days — a 2% lower offer ($169k) is reasonable based on typical stale-listing flexibility.
• 13 sale attempts since 23y 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.

Risks & watch-outs

• Watch-outs: built in 1920 — 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 $166,494 (3.1% below list)

Questions for the listing agent

1. Built in 1920 — 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: 0.97% ✗
• Cap rate: 6.96%
• Cash-on-cash: 2.39%
• DSCR: 1.11
• GRM: 8.6

CMA / ARV

• ARV (median comp): $237,485
• List price: $171,900
• Delta: -27.62%
• Verdict: UNDERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
1625 N Rosedale St	0.62mi	3/1.0	1,396 (+3%)	2mo	$36,000	$26	64
1528 N Ellamont St	0.68mi	3/2.5	1,328 (-2%)	1mo	$209,000	$157	58
2307 N Ellamont St	0.20mi	4/1.5 (+1)	1,520 (+13%)	6mo	$205,000	$135	58
3004 Brighton St	0.74mi	3/1.0	1,288 (-5%)	1mo	$44,000	$34	57
3300 Brighton St	0.68mi	2/2.0 (-1)	1,344 (-0%)	4mo	$130,000	$97	56
2305 Poplar Grove St	0.46mi	3/2.0	1,200 (-11%)	1mo	$118,000	$98	55
3411 Liberty Heights Ave	0.67mi	3/3.5	1,360 (+1%)	5mo	$258,000	$190	54
2326 Braddish Ave	0.66mi	3/1.5	1,500 (+11%)	2mo	$159,000	$106	47
3020 Brighton St	0.73mi	4/2.5 (+1)	1,406 (+4%)	2mo	$209,000	$149	46
3114 Brighton St	0.70mi	3/2.0	1,192 (-12%)	5mo	$95,000	$80	39
1517 N Ellamont St	0.72mi	3/1.0	1,544 (+14%)	4mo	$93,500	$61	39
2304 Ashburton St	0.62mi	4/2.0 (+1)	1,520 (+13%)	4mo	$255,000	$168	38

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 · 6.1% rent growth · sell at horizon

5-year hold

• IRR: -9.0%
• Equity multiple: 0.66×
• Total profit: $-16,343
• Equity at exit: $25,631

10-year hold

• IRR: 4.3%
• Equity multiple: 1.36×
• Total profit: $17,238
• Equity at exit: $14,863

Cash invested: $48,132 (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 21216

• Rents YoY: 6.1%
• Active inventory: 252
• Price-to-rent: 8.6×

Monthly cashflow live

• Estimated rent: $1,665 high
• Mortgage (P&I): −$901
• Tax from tax record: −$246 /mo · $2,955/yr
• Insurance: −$72
• HOA: −$0
• Vacancy / Maint / Mgmt: −$350
• Net cashflow: $96

Break-even live

Break-even rent $1,543

Max offer price $171,900

Occupancy floor 89%

Sensitivity live

Price	-10% $193	-5% $145	+0% $96	+5% $47	+10% $-1
Rent	-10% $-36	-5% $30	+0% $96	+5% $162	+10% $228
Rate	-1.0pp $183	-0.5pp $140	base $96	+0.5pp $51	+1.0pp $6

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: $42,975
• Closing costs: $5,157
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
3028 Hanlon Ave Baltimore, MD	3.0	2.0	1200	$1,711	$1.43	25d	1	0.25mi
2742 N Rosedale St Baltimore, MD	3.0	1.0	1024	$1,350	$1.32	45d	2	0.29mi
3403 Carlisle Ave Apt 1 Baltimore, MD	2.0	1.0	1100	$1,600	$1.45	12d	1	0.29mi
3017 Poplar Ter Baltimore, MD	2.0	1.0	880	$1,349	$1.53	25d	1	0.30mi
3514 Clifton Ave Baltimore, MD	2.0	1.0	925	$1,199	$1.30	45d	1	0.33mi
3514 Clifton Ave Unit 21 Baltimore, MD	2.0	1.0	925	$1,150	$1.24	45d	1	0.33mi
3001 Carlisle Ave Baltimore, MD	3.0	1.0	1024	$1,300	$1.27	45d	1	0.34mi
2738 N Longwood St Baltimore, MD	3.0	1.0	1024	$1,399	$1.37	45d	1	0.34mi
2103 Chelsea Ter Unit 2 Baltimore, MD	3.0	1.5	1500	$2,100	$1.40	16d	1	0.43mi
2103 Chelsea Ter Unit 1 Baltimore, MD	2.0	2.0	1500	$2,200	$1.47	16d	1	0.43mi
3904 Gwynns Falls Pkwy Baltimore, MD	3.0	2.0	1772	$2,600	$1.47	45d	1	0.43mi
2917 Clifton Ave Baltimore, MD	4.0	4.0	1700	$2,150	$1.26	25d	1	0.49mi
2220 Lyndhurst Ave Unit 1 Baltimore, MD	2.0	1.0	900	$1,175	$1.31	25d	1	0.53mi
3003 W North Ave Baltimore, MD	1.0–2.0	1.0	841	$935	$1.11	3d	3	0.54mi
2812 Clifton Ave Baltimore, MD	3.0	1.5	1650	$1,850	$1.12	45d	1	0.55mi
3709 Nortonia Rd #2 Baltimore, MD	2.0	1.0	1289	$1,450	$1.12	19d	1	0.59mi
3127 Baker St Baltimore, MD	3.0	1.0	1000	$1,300	$1.30	45d	1	0.68mi
3309 Brighton St Baltimore, MD	3.0	1.0	1134	$1,700	$1.50	45d	1	0.71mi
1530 N Rosedale St Baltimore, MD	3.0	2.0	1641	$1,895	$1.15	16d	1	0.71mi
1513 N Ellamont St Baltimore, MD	3.0	1.0	1700	$1,700	$1.00	25d	1	0.73mi
2636 W North Ave Baltimore, MD	2.0–3.0	1.0–2.0	975	$1,475	$1.51	5d	1	0.80mi
3003 Presstman St Unit 1 Baltimore, MD	2.0	2.0	1450	$1,400	$0.97	45d	1	0.82mi
3003 Presstman St Unit 2 Baltimore, MD	2.0	1.0	1450	$1,300	$0.90	25d	1	0.82mi
3104 Tioga Pkwy Baltimore, MD	3.0	2.0	1640	$2,050	$1.25	23d	1	0.82mi
2800 Presstman St Baltimore, MD	3.0	2.5	1460	$1,799	$1.23	25d	1	0.88mi
1402 Poplar Grove St Baltimore, MD	4.0	1.5	1540	$800	$0.52	45d	1	0.90mi
3508 Grantley Rd Baltimore, MD	2.0	1.0	1250	$1,350	$1.08	25d	1	0.93mi
3238 Westmont Ave Baltimore, MD	3.0	1.0	1280	$1,600	$1.25	45d	1	0.97mi
4309 Norfolk Ave Unit 1st Floor Baltimore, MD	2.0	1.0	1470	$1,500	$1.02	12d	1	1.00mi
3204 Sequoia Ave Baltimore, MD	4.0	2.5	1791	$2,600	$1.45	45d	1	1.01mi
2405 W North Ave Baltimore, MD	4.0	3.0	1826	$1,900	$1.04	5d	1	1.03mi
1042 Ellicott Dr Baltimore, MD	2.0	1.0	900	$1,450	$1.61	45d	1	1.04mi
3915 Liberty Heights Ave Gwynn Oak, MD	1.0–2.0	1.0–2.0	680	$1,345	$1.98	13d	5	1.05mi
3935 Stokes Dr #1 Baltimore, MD	2.0	1.0	1150	$1,400	$1.22	45d	1	1.07mi
1617-A Moreland Ave Unit 2nd Flr Baltimore, MD	2.0	1.0	1500	$1,400	$0.93	45d	1	1.10mi
2910 Reisterstown Rd Baltimore, MD	1.0–3.0	1.0	950	$1,414	$1.49	16d	4	1.10mi
2728 Winchester St Baltimore, MD	3.0	1.5	1260	$1,800	$1.43	4d	1	1.11mi
2204 Clifton Ave Baltimore, MD	3.0	1.0	1400	$1,450	$1.04	5d	1	1.12mi
1816 N Bentalou St Baltimore, MD	3.0	2.0	1350	$1,700	$1.26	12d	1	1.13mi
1816 N Bentalou St Baltimore, MD	3.0	2.0	1350	$1,700	$1.26	25d	1	1.13mi

Listing history 50 events

1. 2026-05-09
   price $171,900 1020-char remark

   Show marketing remark (1020 chars)

   Welcome to 2423 Denison Street — a charming Baltimore, end of group, rowhome that blends classic character with modern touches. This 3-bedroom, 1.5-bath home features beautiful hardwood floors throughout, creating a warm and cohesive feel from top to bottom. The main level offers a spacious living room, a dedicated dining area, and a well-appointed kitchen complete with stainless steel appliances and a stylish subway tile backsplash. A convenient powder room rounds out the main floor. Upstairs, you’ll find three comfortable bedrooms and a full bathroom, providing a functional layout for everyday living. The full, unfinished basement offers plenty of room for storage or the potential to customize additional living space. Enjoy outdoor living with a welcoming front porch, a rear deck perfect for entertaining, and a fully fenced concrete patio for added privacy. On-street parking adds convenience in this city location. A great opportunity to own a move-in ready home with room to make it your own!

2. 2026-04-22
   listed $180,000 Active 1020-char remark

   Show marketing remark (1020 chars)

   Welcome to 2423 Denison Street — a charming Baltimore, end of group, rowhome that blends classic character with modern touches. This 3-bedroom, 1.5-bath home features beautiful hardwood floors throughout, creating a warm and cohesive feel from top to bottom. The main level offers a spacious living room, a dedicated dining area, and a well-appointed kitchen complete with stainless steel appliances and a stylish subway tile backsplash. A convenient powder room rounds out the main floor. Upstairs, you’ll find three comfortable bedrooms and a full bathroom, providing a functional layout for everyday living. The full, unfinished basement offers plenty of room for storage or the potential to customize additional living space. Enjoy outdoor living with a welcoming front porch, a rear deck perfect for entertaining, and a fully fenced concrete patio for added privacy. On-street parking adds convenience in this city location. A great opportunity to own a move-in ready home with room to make it your own!

3. 2022-11-02
   soldstatus $215,000
4. 2022-07-14
   soldstatus $61,000
5. 2022-01-27
   soldstatus $61,000 Closed 577-char remark

   Show marketing remark (577 chars)

   Available for your consideration is this large and spacious home in Garwyn OaksThree bedroom with full, waterproofed basement ready for additional living space - bedroom or family/ play room. You will not believe this amazing open floor plan when you walk in the door. New granite countertops in the kitchen with breakfast bar. . New hardwood flooring throughout the upstairs and main floor. Basement can be converted into a separate bedroom with a separate living area as well. . Updated tile bathroom. Huge new deck in the back with concrete yard that keeps maintenance down

6. 2021-12-31
   status Pending 577-char remark

   Show marketing remark (577 chars)

   Available for your consideration is this large and spacious home in Garwyn OaksThree bedroom with full, waterproofed basement ready for additional living space - bedroom or family/ play room. You will not believe this amazing open floor plan when you walk in the door. New granite countertops in the kitchen with breakfast bar. . New hardwood flooring throughout the upstairs and main floor. Basement can be converted into a separate bedroom with a separate living area as well. . Updated tile bathroom. Huge new deck in the back with concrete yard that keeps maintenance down

7. 2021-12-18
   status Active 577-char remark

   Show marketing remark (577 chars)

   Available for your consideration is this large and spacious home in Garwyn OaksThree bedroom with full, waterproofed basement ready for additional living space - bedroom or family/ play room. You will not believe this amazing open floor plan when you walk in the door. New granite countertops in the kitchen with breakfast bar. . New hardwood flooring throughout the upstairs and main floor. Basement can be converted into a separate bedroom with a separate living area as well. . Updated tile bathroom. Huge new deck in the back with concrete yard that keeps maintenance down

8. 2021-11-29
   status Pending 577-char remark

   Show marketing remark (577 chars)

   Available for your consideration is this large and spacious home in Garwyn OaksThree bedroom with full, waterproofed basement ready for additional living space - bedroom or family/ play room. You will not believe this amazing open floor plan when you walk in the door. New granite countertops in the kitchen with breakfast bar. . New hardwood flooring throughout the upstairs and main floor. Basement can be converted into a separate bedroom with a separate living area as well. . Updated tile bathroom. Huge new deck in the back with concrete yard that keeps maintenance down

9. 2021-11-20
   price $64,900 577-char remark

   Show marketing remark (577 chars)

   Available for your consideration is this large and spacious home in Garwyn OaksThree bedroom with full, waterproofed basement ready for additional living space - bedroom or family/ play room. You will not believe this amazing open floor plan when you walk in the door. New granite countertops in the kitchen with breakfast bar. . New hardwood flooring throughout the upstairs and main floor. Basement can be converted into a separate bedroom with a separate living area as well. . Updated tile bathroom. Huge new deck in the back with concrete yard that keeps maintenance down

10. 2021-11-03
    price $68,000 577-char remark

    Show marketing remark (577 chars)

    Available for your consideration is this large and spacious home in Garwyn OaksThree bedroom with full, waterproofed basement ready for additional living space - bedroom or family/ play room. You will not believe this amazing open floor plan when you walk in the door. New granite countertops in the kitchen with breakfast bar. . New hardwood flooring throughout the upstairs and main floor. Basement can be converted into a separate bedroom with a separate living area as well. . Updated tile bathroom. Huge new deck in the back with concrete yard that keeps maintenance down

11. 2021-10-25
    price $71,700 577-char remark

    Show marketing remark (577 chars)

    Available for your consideration is this large and spacious home in Garwyn OaksThree bedroom with full, waterproofed basement ready for additional living space - bedroom or family/ play room. You will not believe this amazing open floor plan when you walk in the door. New granite countertops in the kitchen with breakfast bar. . New hardwood flooring throughout the upstairs and main floor. Basement can be converted into a separate bedroom with a separate living area as well. . Updated tile bathroom. Huge new deck in the back with concrete yard that keeps maintenance down

12. 2021-10-25
    status Active 577-char remark

    Show marketing remark (577 chars)

    Available for your consideration is this large and spacious home in Garwyn OaksThree bedroom with full, waterproofed basement ready for additional living space - bedroom or family/ play room. You will not believe this amazing open floor plan when you walk in the door. New granite countertops in the kitchen with breakfast bar. . New hardwood flooring throughout the upstairs and main floor. Basement can be converted into a separate bedroom with a separate living area as well. . Updated tile bathroom. Huge new deck in the back with concrete yard that keeps maintenance down

13. 2021-10-20
    historical Active Under Contract 577-char remark

    Show marketing remark (577 chars)

    Available for your consideration is this large and spacious home in Garwyn OaksThree bedroom with full, waterproofed basement ready for additional living space - bedroom or family/ play room. You will not believe this amazing open floor plan when you walk in the door. New granite countertops in the kitchen with breakfast bar. . New hardwood flooring throughout the upstairs and main floor. Basement can be converted into a separate bedroom with a separate living area as well. . Updated tile bathroom. Huge new deck in the back with concrete yard that keeps maintenance down

14. 2021-10-09
    price $74,500 577-char remark

    Show marketing remark (577 chars)

    Available for your consideration is this large and spacious home in Garwyn OaksThree bedroom with full, waterproofed basement ready for additional living space - bedroom or family/ play room. You will not believe this amazing open floor plan when you walk in the door. New granite countertops in the kitchen with breakfast bar. . New hardwood flooring throughout the upstairs and main floor. Basement can be converted into a separate bedroom with a separate living area as well. . Updated tile bathroom. Huge new deck in the back with concrete yard that keeps maintenance down

15. 2021-09-24
    price $79,900 577-char remark

    Show marketing remark (577 chars)

    Available for your consideration is this large and spacious home in Garwyn OaksThree bedroom with full, waterproofed basement ready for additional living space - bedroom or family/ play room. You will not believe this amazing open floor plan when you walk in the door. New granite countertops in the kitchen with breakfast bar. . New hardwood flooring throughout the upstairs and main floor. Basement can be converted into a separate bedroom with a separate living area as well. . Updated tile bathroom. Huge new deck in the back with concrete yard that keeps maintenance down

16. 2021-09-19
    price $89,900 577-char remark

    Show marketing remark (577 chars)

    Available for your consideration is this large and spacious home in Garwyn OaksThree bedroom with full, waterproofed basement ready for additional living space - bedroom or family/ play room. You will not believe this amazing open floor plan when you walk in the door. New granite countertops in the kitchen with breakfast bar. . New hardwood flooring throughout the upstairs and main floor. Basement can be converted into a separate bedroom with a separate living area as well. . Updated tile bathroom. Huge new deck in the back with concrete yard that keeps maintenance down

17. 2021-09-14
    status Active 577-char remark

    Show marketing remark (577 chars)

    Available for your consideration is this large and spacious home in Garwyn OaksThree bedroom with full, waterproofed basement ready for additional living space - bedroom or family/ play room. You will not believe this amazing open floor plan when you walk in the door. New granite countertops in the kitchen with breakfast bar. . New hardwood flooring throughout the upstairs and main floor. Basement can be converted into a separate bedroom with a separate living area as well. . Updated tile bathroom. Huge new deck in the back with concrete yard that keeps maintenance down

18. 2021-05-22
    status Pending 577-char remark

    Show marketing remark (577 chars)

    Available for your consideration is this large and spacious home in Garwyn OaksThree bedroom with full, waterproofed basement ready for additional living space - bedroom or family/ play room. You will not believe this amazing open floor plan when you walk in the door. New granite countertops in the kitchen with breakfast bar. . New hardwood flooring throughout the upstairs and main floor. Basement can be converted into a separate bedroom with a separate living area as well. . Updated tile bathroom. Huge new deck in the back with concrete yard that keeps maintenance down

19. 2020-12-15
    price $99,500 577-char remark

    Show marketing remark (577 chars)

    Available for your consideration is this large and spacious home in Garwyn OaksThree bedroom with full, waterproofed basement ready for additional living space - bedroom or family/ play room. You will not believe this amazing open floor plan when you walk in the door. New granite countertops in the kitchen with breakfast bar. . New hardwood flooring throughout the upstairs and main floor. Basement can be converted into a separate bedroom with a separate living area as well. . Updated tile bathroom. Huge new deck in the back with concrete yard that keeps maintenance down

20. 2020-12-15
    status Active 577-char remark

    Show marketing remark (577 chars)

    Available for your consideration is this large and spacious home in Garwyn OaksThree bedroom with full, waterproofed basement ready for additional living space - bedroom or family/ play room. You will not believe this amazing open floor plan when you walk in the door. New granite countertops in the kitchen with breakfast bar. . New hardwood flooring throughout the upstairs and main floor. Basement can be converted into a separate bedroom with a separate living area as well. . Updated tile bathroom. Huge new deck in the back with concrete yard that keeps maintenance down

21. 2020-10-24
    historical 577-char remark

    Show marketing remark (577 chars)

    Available for your consideration is this large and spacious home in Garwyn OaksThree bedroom with full, waterproofed basement ready for additional living space - bedroom or family/ play room. You will not believe this amazing open floor plan when you walk in the door. New granite countertops in the kitchen with breakfast bar. . New hardwood flooring throughout the upstairs and main floor. Basement can be converted into a separate bedroom with a separate living area as well. . Updated tile bathroom. Huge new deck in the back with concrete yard that keeps maintenance down

22. 2020-10-19
    listed $124,900 Active 577-char remark

    Show marketing remark (577 chars)

    Available for your consideration is this large and spacious home in Garwyn OaksThree bedroom with full, waterproofed basement ready for additional living space - bedroom or family/ play room. You will not believe this amazing open floor plan when you walk in the door. New granite countertops in the kitchen with breakfast bar. . New hardwood flooring throughout the upstairs and main floor. Basement can be converted into a separate bedroom with a separate living area as well. . Updated tile bathroom. Huge new deck in the back with concrete yard that keeps maintenance down

23. 2020-07-13
    historical
24. 2020-01-21
    listed $149,900 Active
25. 2008-08-21
    soldstatus $98,000
26. 2008-08-14
    historical
27. 2008-08-13
    soldstatus $98,000 Sold
28. 2008-05-19
    price $97,575
29. 2008-05-01
    price $107,575
30. 2008-05-01
    price $119,575
31. 2008-03-21
    price $125,795
32. 2008-03-01
    price $120,795
33. 2008-02-14
    listed $102,500
34. 2007-11-24
    historical
35. 2007-08-09
    listed
36. 2006-04-12
    soldstatus $63,000
37. 2006-01-17
    soldstatus $63,000
38. 2005-12-21
    historical
39. 2005-08-01
    listed $75,000
40. 2005-05-03
    soldstatus $42,000
41. 2005-04-01
    soldstatus $39,900
42. 2005-03-01
    historical
43. 2004-10-10
    listed $43,900
44. 2004-09-30
    historical
45. 2004-08-11
    listed
46. 2003-06-20
    soldstatus $9,900
47. 2003-04-23
    historical
48. 2003-04-22
    listed $9,900
49. 2000-04-27
    soldstatus $53,500
50. 1988-09-08
    soldstatus $1,395,099

ⓘ 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: $2,955 · $246/mo
• Projected year-2 tax: $2,955 · $246/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 7/10 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 3/10 Moderate 3 unhealthy d/yr today · 4 by 30 yrs out

Taxation est. · year 1

• Rental income: $19,979
• − Mortgage interest: −$9,629
• − Property taxes: −$2,955
• − Insurance: −$860
• − Repairs & maintenance: −$1,598
• − Management: −$1,598
• − Depreciation: −$5,001
• Taxable loss: −$1,661
• Est. tax savings @ 24.0%: +$399
• After-tax cash flow: $1,551/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): 29,426
• Household income: $42,031
• Rent vs Own: 49.8% rent · 50.2% own
• Severe rent burden: 2264.0

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 (91%)
• Race & ethnicity: Black 91% Hispanic / Latino 4% Two or more races 3% White 2%
• Foreign-born: 3% · Canada
• Languages at home: 96% English-only · Spanish 3% 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: ▼ -107.42%
• Current HPI: 164.3933
• Rent YoY: ▲ 6.10%
• 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

-54.0% since first listed

51 events — show timeline

• 2026-05-09 Price Changed $171,900 BRIGHT MLS
• 2026-04-22 Listed $180,000 BRIGHT MLS
• 2022-11-02 Sold (Public Records) $215,000 Public Records
• 2022-07-14 Sold (Public Records) $61,000 Public Records
• 2022-01-27 Sold (MLS) $61,000 BRIGHT MLS
• 2021-12-31 Pending — BRIGHT MLS
• 2021-12-18 Relisted — BRIGHT MLS
• 2021-11-29 Pending — BRIGHT MLS
• 2021-11-20 Price Changed $64,900 BRIGHT MLS
• 2021-11-03 Price Changed $68,000 BRIGHT MLS
• 2021-10-25 Price Changed $71,700 BRIGHT MLS
• 2021-10-25 Relisted — BRIGHT MLS
• 2021-10-20 Contingent — BRIGHT MLS
• 2021-10-09 Price Changed $74,500 BRIGHT MLS
• 2021-09-24 Price Changed $79,900 BRIGHT MLS
• 2021-09-19 Price Changed $89,900 BRIGHT MLS
• 2021-09-14 Relisted — BRIGHT MLS
• 2021-05-22 Pending — BRIGHT MLS
• 2020-12-15 Price Changed $99,500 BRIGHT MLS
• 2020-12-15 Relisted — BRIGHT MLS
• 2020-10-24 Listing Removed — BRIGHT MLS
• 2020-10-19 Listed $124,900 BRIGHT MLS
• 2020-07-13 Listing Removed — BRIGHT MLS
• 2020-01-21 Listed $149,900 BRIGHT MLS
• 2008-08-21 Sold (Public Records) $98,000 Public Records
• 2008-08-14 Delisted — MRIS
• 2008-08-13 Sold (MLS) $98,000 MRIS
• 2008-05-19 Price Changed $97,575 MRIS
• 2008-05-01 Price Changed $107,575 MRIS
• 2008-05-01 Price Changed $119,575 MRIS
• 2008-03-21 Price Changed $125,795 MRIS
• 2008-03-01 Price Changed $120,795 MRIS
• 2008-02-14 Listed $102,500 MRIS
• 2007-11-24 Delisted — MRIS
• 2007-08-09 Listed — MRIS
• 2006-04-12 Sold (Public Records) $63,000 Public Records
• 2006-01-17 Sold (MLS) $63,000 MRIS
• 2005-12-21 Delisted — MRIS
• 2005-08-01 Listed $75,000 MRIS
• 2005-05-03 Sold (Public Records) $42,000 Public Records
• 2005-04-01 Sold (MLS) $39,900 MRIS
• 2005-03-01 Delisted — MRIS
• 2004-10-10 Listed $43,900 MRIS
• 2004-09-30 Delisted — MRIS
• 2004-08-11 Listed — MRIS
• 2003-06-20 Sold (MLS) $9,900 MRIS
• 2003-04-23 Delisted — MRIS
• 2003-04-22 Listed $9,900 MRIS
• 2000-04-27 Sold (Public Records) $53,500 Public Records
• 1988-09-08 Sold (Public Records) $1,395,099 Public Records
• 1985-06-24 Sold (Public Records) $373,500 Public Records

Property tax history

+3.8%/yr

Latest (2025): $2,955 · +8.9% YoY. Source: county tax records.