7823 Saint Bridget Ln · Dundalk, MD 21222

$160,000

3 bd · 1.0 ba · 1,024 sqft · Townhouse public records · 3 Days on market

Built 1957 1,632 sqft lot Est $190k · 16% 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 +28.0/30.0
• ARV discount +14.7/15.0
• DSCR +9.9/10.0
• 1% rule +7.7/10.0
• 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

Listing remarks MLS

3 Bedroom Brick Townhouse, Just off I-695, Fully fenced terraced yard, Off-street parking, Some double-paned windows, mini-blinds, 3 window air conditioners, Large country kitchen, Wood cabinets, Double oven(broiler never used), Full basement, Partially finished, Close to water and county park

Key facts

• Parking
• Built 1957
• Listed 3 days

Property features AI

Exterior

• Parking: On-street parking; Driveway with one space; One total garage/parking space listed
• Utilities: Public water; Public sewer; Natural gas hot water
• Home design: Interior townhouse/rowhouse; Fee simple ownership
• Construction: Brick construction; Block foundation; Above-grade and below-grade structures; Basement unfinished (with rear entrance)
• Exterior features: Fully fenced yard; Porch(es)

Interior

• Kitchen: Eat-in kitchen
• Bedrooms: Three bedrooms on the upper level
• Bathrooms: One full bathroom
• Heating & cooling: Forced air heating (natural gas); Window air conditioning units (electric)
• Interior features: Eat-in kitchen; Connecting stairway to basement

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath townhouse listed at $160k.

Deal economics

• At list price, monthly cash flow is $498 ($6k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $160k).
• Cap rate 10.0% 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.
• Zoned schools: Battle Grove Elementary (math 8% / reading 12%, grade F, #614 of 860 statewide, top 75%, 322 students, 74% FRL); Sparrows Point Middle (math 7% / reading 30%, grade F, #159 of 225 statewide, top 73%, 561 students, 54% FRL); Sparrows Point High (math 18% / reading 53%, grade F, #144 of 222 statewide, top 65%, 1,146 students, 44% FRL) — zoned schools average 58% FRL vs 39% district-wide (19 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Market conditions: Rents soft (-0.1%/yr); 237 active listings in the ZIP; 28 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 38% 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 $1k of loan paydown is wiped out by about $5k 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.

Negotiation context

• Only 3 days on market — expect competitive offers; lowballing is unlikely to land.
• 4 sale attempts since 26y 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 1957 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: major wind risk, 61% chance of damaging wind over 30y; extreme-heat days projected 7→16/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $160,000

Questions for the listing agent

1. Built in 1957 — 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: 1.27% ✓
• Cap rate: 10.03%
• Cash-on-cash: 13.34%
• DSCR: 1.59
• GRM: 6.6

CMA / ARV

• ARV (on-the-fly): $190,464
• Comps found: 6

Show comp detail 6 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
7847 Saint Claire	0.08mi	3/1.0	1,024 (0%)	8mo	$180,000	$176	90
7858 Saint Claire Ln	0.11mi	3/1.5	1,024 (0%)	16mo	$195,000	$190	79
4061 Saint Monica Dr	0.17mi	3/1.0	1,024 (0%)	21mo	$162,000	$158	75
7845 Saint Patricia Ln	0.29mi	4/2.0 (+1)	1,024 (0%)	4mo	$220,000	$215	74
7904 Saint Monica Dr	0.19mi	3/1.0	1,144 (+12%)	4mo	$130,000	$114	69
8225 Park Haven Rd	0.75mi	3/1.5	1,024 (0%)	21mo	$190,000	$186	46

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: -0.1%
• Equity multiple: 1.00×
• Total profit: $-145
• Equity at exit: $23,857

10-year hold

• IRR: 6.2%
• Equity multiple: 1.40×
• Total profit: $17,801
• 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 21222

• Rents YoY: -0.1%
• Active inventory: 237
• Price-to-rent: 6.6×

Monthly cashflow live

• Estimated rent: $2,034 high
• Mortgage (P&I): −$839
• Tax from tax record: −$203 /mo · $2,440/yr
• Insurance: −$67
• HOA: −$0
• Vacancy / Maint / Mgmt: −$427
• Net cashflow: $498

Break-even live

Break-even rent $1,404

Max offer price $160,000

Occupancy floor 71%

Sensitivity live

Price	-10% $588	-5% $543	+0% $498	+5% $453	+10% $407
Rent	-10% $337	-5% $418	+0% $498	+5% $578	+10% $659
Rate	-1.0pp $578	-0.5pp $539	base $498	+0.5pp $456	+1.0pp $414

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 28 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
7851 Saint Fabian Ln Dundalk, MD	3.0	1.0	1024	$1,595	$1.56	44d	1	0.11mi
7860 Saint Bridget Ln Dundalk, MD	4.0	1.0	1216	$2,300	$1.89	24d	1	0.11mi
7863 Saint Fabian Ln Dundalk, MD	3.0	2.0	1424	$1,950	$1.37	6d	1	0.12mi
7860 Saint Claire Ln Dundalk, MD	3.0	2.0	1024	$2,200	$2.15	6d	1	0.14mi
4004 St Monica Dr Unit 1 Dundalk, MD	3.0	1.0	1024	$1,895	$1.85	6d	1	0.32mi
4004 Saint Monica Dr Dundalk, MD	3.0	1.0	1024	$1,925	$1.88	6d	1	0.32mi
7412 Saint Patricia Ct Dundalk, MD	4.0	2.0	1024	$2,800	$2.73	18d	1	0.35mi
11 Seabright Ave Dundalk, MD	3.0	1.0	948	$1,874	$1.98	15d	1	0.56mi
1610 Melbourne Rd Dundalk, MD	1.0–2.0	1.0	664	$1,240	$1.87	13d	1	0.74mi
8146 Del Haven Rd Dundalk, MD	3.0	2.0	1424	$2,700	$1.90	17d	1	0.91mi
1925 Jasmine Rd Dundalk, MD	3.0	1.5	1024	$1,825	$1.78	11d	1	0.97mi
2004 Larkhall Rd Dundalk, MD	3.0	1.0	1024	$1,500	$1.46	44d	1	1.00mi
3413 Wallford Dr Dundalk, MD	3.0	2.0	1016	$2,000	$1.97	44d	1	1.03mi
2025 Kelmore Rd Unit 1 Dundalk, MD	3.0	1.0	1024	$2,000	$1.95	44d	1	1.03mi
8499 Lynch Rd Dundalk, MD	1.0–3.0	1.0–2.0	950	$2,202	$2.32	2d	32	1.05mi
3427 North Point Rd Dundalk, MD	3.0	1.0	1008	$2,250	$2.23	21d	1	1.05mi
2032 Kelmore Rd Dundalk, MD	3.0	1.0	1024	$1,700	$1.66	44d	1	1.06mi
1930 Frames Rd Dundalk, MD	3.0	2.0	1152	$2,099	$1.82	6d	1	1.08mi
3314 Wallford Dr Dundalk, MD	3.0	1.0	1258	$1,850	$1.47	15d	1	1.12mi
3221 Wallford Dr Unit 3221 Dundalk, MD	3.0	1.0	1008	$1,750	$1.74	6d	1	1.12mi
3221 Wallford Dr Dundalk, MD	3.0	1.0	1008	$1,750	$1.74	4d	1	1.12mi
3317 Belsford Ct Dundalk, MD	3.0	1.0	1258	$1,950	$1.55	11d	1	1.13mi
7962 Kavanagh Rd Dundalk, MD	3.0	2.0	1024	$1,947	$1.90	15d	1	1.22mi
7917 Wise Ave Dundalk, MD	2.0	1.5	1500	$2,500	$1.67	24d	1	1.24mi
2020 Dineen Dr Dundalk, MD	3.0	1.5	1258	$1,850	$1.47	6d	1	1.25mi
7930 Kavanagh Rd Dundalk, MD	3.0	1.0	1024	$2,195	$2.14	44d	1	1.28mi
3000 Wallford Dr Dundalk, MD	1.0–2.0	1.0	717	$1,330	$1.85	3d	35	1.29mi
7901 Stratman Rd Dundalk, MD	3.0	1.0	890	$1,647	$1.85	3d	1	1.41mi

Listing history 13 events

1. 2026-05-13
   status Pending
2. 2026-05-12
   status Active
3. 2026-04-28
   status Pending
4. 2026-04-27
   listed $160,000 Active
5. 2026-04-23
   historical $160,000
6. 2025-03-27
   soldstatus $1,093,000
7. 2002-06-21
   soldstatus $36,000
8. 2002-05-28
   soldstatus $36,000 294-char remark

   Show marketing remark (294 chars)

   3 Bedroom Brick Townhouse, Just off I-695, Fully fenced terraced yard, Off-street parking, Some double-paned windows, mini-blinds, 3 window air conditioners, Large country kitchen, Wood cabinets, Double oven(broiler never used), Full basement, Partially finished, Close to water and county park

9. 2002-05-01
   historical 294-char remark

   Show marketing remark (294 chars)

   3 Bedroom Brick Townhouse, Just off I-695, Fully fenced terraced yard, Off-street parking, Some double-paned windows, mini-blinds, 3 window air conditioners, Large country kitchen, Wood cabinets, Double oven(broiler never used), Full basement, Partially finished, Close to water and county park

10. 2000-08-06
    historical
11. 2000-08-03
    listed $64,900 294-char remark

    Show marketing remark (294 chars)

    3 Bedroom Brick Townhouse, Just off I-695, Fully fenced terraced yard, Off-street parking, Some double-paned windows, mini-blinds, 3 window air conditioners, Large country kitchen, Wood cabinets, Double oven(broiler never used), Full basement, Partially finished, Close to water and county park

12. 2000-06-22
    listed
13. 1957-05-01
    soldstatus $9,000

ⓘ 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: $2,440 · $203/mo
• Projected year-2 tax: $2,440 · $203/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 · 16 d/yr by 30 yrs out
• 💨 Wind 6/10 Major 61% 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: $24,410
• − Mortgage interest: −$8,962
• − Property taxes: −$2,440
• − Insurance: −$800
• − Repairs & maintenance: −$1,953
• − Management: −$1,953
• − Depreciation: −$4,655
• Taxable income: $3,647
• Est. tax owed @ 24.0%: −$875
• After-tax cash flow: $5,099/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

+1677.8% since first listed

13 events — show timeline

• 2026-05-13 Pending — BRIGHT MLS
• 2026-05-12 Relisted — BRIGHT MLS
• 2026-04-28 Pending — BRIGHT MLS
• 2026-04-27 Listed $160,000 BRIGHT MLS
• 2026-04-23 Coming Soon $160,000 BRIGHT MLS
• 2025-03-27 Sold (Public Records) $1,093,000 Public Records
• 2002-06-21 Sold (Public Records) $36,000 Public Records
• 2002-05-28 Sold (MLS) $36,000 MRIS
• 2002-05-01 Delisted — MRIS
• 2000-08-06 Delisted — MRIS
• 2000-08-03 Listed $64,900 MRIS
• 2000-06-22 Listed — MRIS
• 1957-05-01 Sold (Public Records) $9,000 Public Records

Property tax history

+1.2%/yr

Latest (2025): $2,440 · +6.4% YoY. Source: county tax records.