6573 Saint Helena Ave · Baltimore, MD 21222

$139,990

2 bd · 1.0 ba · 819 sqft · Townhouse public records · 159 Days on market

Built 1920 2,139 sqft lot $171/sqft · at area comps Est $138k · at est.

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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 +22.5/30.0
• DSCR +7.2/10.0
• ARV discount +6.7/15.0
• 1% rule +5.5/10.0
• Livability +3.8/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Schools +1.0/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

Welcome to 6573 Saint Helena Avenue, a clean, well-maintained interior row-home offering an accessible and practical opportunity in an established Baltimore neighborhood. This two-bedroom, one-bath residence has been used as a rental and has been cared for accordingly, presenting a solid, move-in-ready foundation for its next owner. The home is functional as-is, yet intentionally priced to allow room for value-add improvements should a buyer wish to personalize or enhance cosmetically over time. Whether you’re seeking a comfortable place to call home or exploring a smart entry point into homeownership, this property invites flexibility and choice. The layout is straightforward and efficient, with natural flow between living spaces and bedrooms that are appropriately sized for everyday living. The condition reflects responsible ownership, offering peace of mind while also leaving the door open for creative upgrades that can be completed at your own pace, on your own terms. Homes at this price point are increasingly difficult to find, and this one stands out for its cleanliness, usability, and potential rather than forcing a buyer to overpay for someone else’s design decisions. For those who have been waiting for a home that makes financial sense first and aesthetic sense second, this may be the right fit. The surrounding area provides convenient access to major routes, employment centers, and local amenities, supporting both lifestyle and long-term ownership goals. It’s easy to imagine moving in now and improving gradually, or simply enjoying the home as it stands while building equity over time. Opportunities like this are often overlooked because they are not overproduced or overly marketed, yet they are frequently the homes that make the most sense when value, condition, and price are considered together. If you’ve been asking yourself whether a home exists that balances affordability, livability, and upside, this property deserves your attention. Schedule a showing, walk the space, and decide whether this home aligns with your plans today and your goals for tomorrow.

Key facts

• Local amenities
• Built 1920
• Listed 159 days

Tags

• CLEAN INTERIOR ROW-HOME
• MOVE-IN-READY FOUNDATION
• VALUE-ADD IMPROVEMENTS
• LOCAL AMENITIES

What this means for you Summary

Snapshot

• This is a 2-bed/1.0-bath townhouse listed at $140k.

Deal economics

• At list price, monthly cash flow is $236 ($3k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $140k).
• Recommended offer: $123k (12.0% below list) — sets the bar for market timing.
• Cap rate 8.3% 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 soft (-0.1%/yr); 236 active listings in the ZIP; 27 comparable units currently listed for rent nearby; rentals lingering (median 44d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 52% of comp listings sitting > 30 days — soft ceiling on asking rent; 1,273 units permitted in Baltimore city in 2024 (1,104 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $968 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.

Negotiation context

• It's been on market 159 days — a 12% lower offer ($123k) is reasonable based on typical stale-listing flexibility.
• 4 sale attempts since 10y 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 $123,191 (12.0% below list)

Questions for the listing agent

1. It's been on market 159 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 1920 — 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: 1.05% ✓
• Cap rate: 8.31%
• Cash-on-cash: 7.21%
• DSCR: 1.32
• GRM: 7.9

CMA / ARV

• ARV (median comp): $137,688
• List price: $139,990
• Delta: 1.67%
• Verdict: FAIR
• Comps: 20 within 1.0 mi

Show comp detail 9 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
6583 Saint Helena Ave	0.02mi	3/2.0 (+1)	819 (0%)	5mo	$204,000	$249	86
6562 Saint Helena Ave	0.02mi	2/1.0	840 (+3%)	17mo	$153,000	$182	80
6552 Parnell Ave	0.04mi	2/1.5	885 (+8%)	9mo	$95,000	$107	75
111 Baltimore Ave	0.28mi	2/1.0	808 (-1%)	24mo	$159,900	$198	65
209 Colgate Ave	0.18mi	2/1.0	904 (+10%)	15mo	$135,000	$149	62
73 N Dundalk Ave	0.30mi	2/2.0	864 (+6%)	17mo	$145,000	$168	58
7 Broadship	0.39mi	2/1.0	864 (+6%)	21mo	$200,000	$231	55
106 Baltimore	0.25mi	2/1.0	906 (+11%)	22mo	$150,000	$166	52
20 Eastship Rd	0.60mi	3/1.0 (+1)	864 (+6%)	22mo	$130,000	$150	40

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: -8.6%
• Equity multiple: 0.69×
• Total profit: $-12,000
• Equity at exit: $20,873

10-year hold

• IRR: -3.4%
• Equity multiple: 0.80×
• Total profit: $-7,817
• Equity at exit: $12,104

Cash invested: $39,197 (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 21222

• Rents YoY: -0.1%
• Active inventory: 236
• Price-to-rent: 7.9×

Monthly cashflow live

• Estimated rent: $1,472 high
• Mortgage (P&I): −$734
• Tax from tax record: −$135 /mo · $1,623/yr
• Insurance: −$58
• HOA: −$0
• Vacancy / Maint / Mgmt: −$309
• Net cashflow: $236

Break-even live

Break-even rent $1,174

Max offer price $139,990

Occupancy floor 79%

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: $34,998
• Closing costs: $4,200
• Reserves months: —
• Total cash needed: —

Rent comps 27 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
6552 Parnell Ave Dundalk, MD	2.0	1.5	885	$1,500	$1.69	18d	1	0.05mi
6545 Baltimore Ave Dundalk, MD	2.0	1.0	852	$1,500	$1.76	43d	1	0.13mi
2125 Cameron Dr Dundalk, MD	1.0–2.0	1.0	697	$1,350	$1.94	43d	9	0.43mi
113 Kinship Rd Unit 115Kin-1A Dundalk, MD	1.0	1.0	525	$1,150	$2.19	15d	1	0.44mi
113 Kinship Rd Unit 117Kin-1B Dundalk, MD	1.0	1.0	525	$1,000	$1.90	12d	1	0.44mi
113 Kinship Rd Unit 124Kin-1A Dundalk, MD	1.0	1.0	525	$1,000	$1.90	43d	1	0.44mi
113 Kinship Rd Unit 131 Will-2B Dundalk, MD	1.0	1.0	525	$1,150	$2.19	43d	1	0.44mi
3 Center Pl Unit 2 Dundalk, MD	1.0	1.0	700	$1,250	$1.79	43d	1	0.45mi
2104 Willow Spring Rd Unit 6727THR-1 Dundalk, MD	1.0	1.0	615	$899	$1.46	43d	1	0.47mi
2104 Willow Spring Rd Dundalk, MD	1.0	1.0	539	$1,038	$1.92	3d	2	0.47mi
2624 Liberty Pkwy Dundalk, MD	3.0	1.5	1110	$1,856	$1.67	43d	1	0.61mi
7003 Dunmanway Dundalk, MD	1.0–2.0	1.0	772	$1,345	$1.74	2d	13	0.63mi
2907 Cornwall Rd Unit Road2nd Dundalk, MD	1.0	1.0	750	$950	$1.27	18d	1	0.80mi
2939 Cornwall Rd Unit C Dundalk, MD	1.0	1.0	700	$900	$1.29	43d	1	0.83mi
2976 Cornwall Rd Unit 1 Dundalk, MD	2.0	1.0	900	$1,590	$1.77	15d	1	0.86mi
3117 Liberty Pkwy Unit 1 Dundalk, MD	1.0	1.0	600	$1,200	$2.00	24d	1	0.96mi
6722 Brentwood Ave Unit 2FL Dundalk, MD	3.0	1.0	900	$1,750	$1.94	43d	1	0.98mi
6722 Brentwood Ave Unit B Dundalk, MD	1.0	1.0	540	$1,500	$2.78	43d	1	0.98mi
6518 Brown Ave Baltimore, MD	1.0–2.0	1.0	675	$1,300	$1.93	24d	3	0.99mi
3443 Dunhaven Rd Dundalk, MD	2.0	2.0	1016	$1,900	$1.87	5d	1	1.02mi
1955 Walnut Ave Dundalk, MD	3.0	1.0	950	$2,300	$2.42	43d	1	1.04mi
3481 McShane Way Dundalk, MD	2.0	1.5	896	$2,150	$2.40	43d	1	1.10mi
1613 Elrino St Baltimore, MD	2.0	1.0	700	$1,350	$1.93	43d	1	1.12mi
1504 Elrino St Baltimore, MD	2.0	2.0	1050	$1,650	$1.57	4d	1	1.28mi
108 Chestnut St Dundalk, MD	2.0	1.0	812	$1,300	$1.60	16d	1	1.37mi
3503 Sollers Point Rd Dundalk, MD	3.0	1.0	776	$1,850	$2.38	12d	1	1.39mi
7718 Meath Rd Dundalk, MD	3.0	2.0	864	$2,200	$2.55	43d	1	1.47mi

Listing history 23 events

1. 2026-06-18
   days on market $139,990 Active 159 DOM
2. 2026-06-17
   days on market $139,990 Active 158 DOM
3. 2026-06-16
   days on market $139,990 Active 157 DOM
4. 2026-06-15
   days on market $139,990 Active 156 DOM
5. 2026-06-13
   days on market $139,990 Active 154 DOM
6. 2026-06-09
   days on market $139,990 Active 150 DOM
7. 2026-06-08
   days on market $139,990 Active 149 DOM
8. 2026-06-07
   days on market $139,990 Active 148 DOM
9. 2026-06-04
   days on market $139,990 Active 145 DOM
10. 2026-06-03
    days on market $139,990 Active 144 DOM
11. 2026-06-02
    days on market $139,990 Active 143 DOM
12. 2026-06-01
    days on market $139,990 Active 142 DOM
13. 2026-05-31
    days on market $139,990 Active 141 DOM
14. 2026-01-10
    listed $139,990 Active 2130-char remark

    Show marketing remark (2130 chars)

    Welcome to 6573 Saint Helena Avenue, a clean, well-maintained interior row-home offering an accessible and practical opportunity in an established Baltimore neighborhood. This two-bedroom, one-bath residence has been used as a rental and has been cared for accordingly, presenting a solid, move-in-ready foundation for its next owner. The home is functional as-is, yet intentionally priced to allow room for value-add improvements should a buyer wish to personalize or enhance cosmetically over time. Whether you’re seeking a comfortable place to call home or exploring a smart entry point into homeownership, this property invites flexibility and choice. The layout is straightforward and efficient, with natural flow between living spaces and bedrooms that are appropriately sized for everyday living. The condition reflects responsible ownership, offering peace of mind while also leaving the door open for creative upgrades that can be completed at your own pace, on your own terms. Homes at this price point are increasingly difficult to find, and this one stands out for its cleanliness, usability, and potential rather than forcing a buyer to overpay for someone else’s design decisions. For those who have been waiting for a home that makes financial sense first and aesthetic sense second, this may be the right fit. The surrounding area provides convenient access to major routes, employment centers, and local amenities, supporting both lifestyle and long-term ownership goals. It’s easy to imagine moving in now and improving gradually, or simply enjoying the home as it stands while building equity over time. Opportunities like this are often overlooked because they are not overproduced or overly marketed, yet they are frequently the homes that make the most sense when value, condition, and price are considered together. If you’ve been asking yourself whether a home exists that balances affordability, livability, and upside, this property deserves your attention. Schedule a showing, walk the space, and decide whether this home aligns with your plans today and your goals for tomorrow.

15. 2025-05-07
    soldstatus $150,000
16. 2023-03-09
    soldstatus $110,000
17. 2018-12-17
    historical
18. 2018-11-08
    listed $69,900 Active
19. 2016-02-18
    historical
20. 2016-02-17
    historical
21. 2016-02-10
    price
22. 2016-01-22
    listed $24,900
23. 2016-01-22
    listed Active

ⓘ 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: $1,623 · $135/mo
• Projected year-2 tax: $1,623 · $135/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 8/10 Severe 7 d/yr ≥104°F today · 15 d/yr by 30 yrs out
• 💨 Wind 6/10 Major 27% 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: $17,670
• − Mortgage interest: −$7,842
• − Property taxes: −$1,623
• − Insurance: −$700
• − Repairs & maintenance: −$1,414
• − Management: −$1,414
• − Depreciation: −$4,072
• Taxable income: $606
• Est. tax owed @ 24.0%: −$145
• After-tax cash flow: $2,681/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 County · 769,527 people
• City population: 588,727
• 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): 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 0.60)
• 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: 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: ▼ -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

+462.2% since first listed

10 events — show timeline

• 2026-01-10 Listed $139,990 BRIGHT MLS
• 2025-05-07 Sold (Public Records) $150,000 Public Records
• 2023-03-09 Sold (Public Records) $110,000 Public Records
• 2018-12-17 Listing Removed — BRIGHT MLS
• 2018-11-08 Listed $69,900 BRIGHT MLS
• 2016-02-18 Delisted — MRIS
• 2016-02-17 Listing Removed — BRIGHT MLS
• 2016-02-10 Price Changed — MRIS
• 2016-01-22 Listed $24,900 BRIGHT MLS
• 2016-01-22 Listed — MRIS

Property tax history

+0.5%/yr

Latest (2025): $1,623 · +6.4% YoY. Source: county tax records.