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1346 Cox Cove Ct
D- Composite 38.02
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).

  • Appreciation +8.9/10.0
  • Cash flow +8.1/30.0
  • ARV discount +5.0/15.0
  • Livability +3.2/5.0
  • Schools +2.9/10.0
  • 1% rule +2.8/10.0
  • Rent growth +2.5/5.0
  • Condition / age +2.5/5.0
  • DSCR +2.2/10.0

$374,990

1346 Cox Cove Ct · Riviera Beach, MD 21226
3 bd · 2.5 ba · 1,554 sqft · Townhouse public records · 81 Days on market
Built 1991 $241/sqft · 6% above area Est $355k · 6% over $230/mo HOA · 8% of rent

🖨 Deal sheet (PDF) 📄 Offer letter ✓ Due diligence

Listing remarks MLS

* * Price Improvement * * Don't let this one get away. No Front Foot Fee. Welcome to waterfront living in the desirable Stoney Beach community! This beautifully maintained three-bedroom, 2.5-bath condo townhouse offers the perfect blend of comfort, stylish updates, and scenic water views. Step inside to find beautiful hardwood floors that add warmth and elegance to the main level living spaces. The home features generously sized bedrooms and updated bathrooms with fresh paint, modern finishes and thoughtful details. The large kitchen is equipped with stainless steel appliances, creating a sleek and functional space for cooking and entertaining. (Brand new dishwasher installed 4/26). Walk out on the main level to an updated composite deck installed 5/24—the perfect place to enjoy morning coffee or unwind at the end of the day—while taking in views of the tranquil waters of the Patapsco River and Cox Creek. The walk-out finished lower level leads to a paved patio, providing an additional outdoor living area ideal for entertaining, grilling, or simply relaxing by the water. On colder days, relax on the main lever with an electric fireplace or a cozy wood burning fireplace on the lower level. Laundry located on the lower level with a new front load dryer installed 3/26. Living in Stoney Beach means embracing a true waterfront lifestyle with resort-style amenities. Residents enjoy access to a scenic waterfront boardwalk, private beach access, and a community boat ramp, along with available boat storage for boating enthusiasts. The neighborhood also features a dog park, basketball, community pool and tennis courts, picnic areas, and open green spaces, creating a community that feels like a year-round retreat. Commuters will appreciate the easy access to major routes including Interstate 695 and Maryland Route 100, providing convenient connections to Baltimore, Annapolis, and surrounding areas. Whether you’re enjoying a sunset stroll along the boardwalk, launching your boat for a day on the water, or relaxing on your deck overlooking the water, this home offers resort-style waterfront living every day. Don’t miss the opportunity to enjoy breathtaking water views, modern upgrades, and an amenity-rich coastal community all in one exceptional property. Motivated Sellers.

Key facts

  • $230 HOA
  • 3 parking spots
  • Built 1991

Neighborhood map

Property Rental comp Retail Transit Schools Stadiums Fortune 500 · Circle radius: 3.0 mi
Loading POIs…

What this means for you Summary

Snapshot

  • This is a 3-bed/2.5-bath townhouse listed at $375k.

Deal economics

  • At list price, monthly cash flow is $-358 ($-4k/yr) — negative.
  • To cash-flow at today's rent, offer at most $312k (16.9% below list).
  • To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $291k (22.5% below list).
  • Recommended offer: $291k (22.5% below list) — sets the bar for 1% rule.

Location & tenants

  • Location reads 64/100 on livability (#280 in MD) — a middle-class / working-renter tenant base. Strengths: employment A+, housing A+; Watch: crime D, cost of living D, schools D-.
  • Anne Arundel County Public Schools (suburban): math 20% / reading 37% proficiency, ranked #10 of 24 in MD (top 42%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover.
  • Market conditions: 45 active listings in the ZIP; 7 comparable units currently listed for rent nearby; rentals at typical pace (median 25d on market — plan ~3-4 weeks tenant-placement turnaround); 1,303 units permitted in Anne Arundel County in 2024 (299 in 5+ unit buildings).

Forward outlook

  • In year one you build about $32k of equity ($3k loan paydown + $29k appreciation (7.8% local appreciation)).
  • Anne Arundel County population projected at +17% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.
  • By year 2, paydown + projected appreciation supports a ~$51k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

  • It's been on market 81 days — a 6% lower offer ($352k) is reasonable based on typical stale-listing flexibility.
  • 6 sale attempts since 10y ago; this cycle's ask has dropped $25k (6%) from the opening price — seller is motivated, your offer sets the floor, not the list.
  • Current owner paid $317k; 18% above their basis — modest negotiation headroom, anchor on the comps not their cost.

Risks & watch-outs

  • Climate carrying-cost: major wind risk, 64% 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 $290,706 (22.5% below list)

Questions for the listing agent

  1. What do current leases actually rent for vs. the listed asking? Can we see a recent rent roll and the last 12 months of T-12 income?
  2. It's been on market 81 days. Have you received any prior offers? Is the seller open to a 22% concession, seller financing, or rate buy-down credit?
  3. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
  4. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
  5. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
  6. 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?
  7. Crime grade is D 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?
  8. 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?
  9. 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.
  10. 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.
  11. 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
0.78%
Cap rate
5.15%
Cash-on-cash
-4.09%
DSCR
0.82
GRM
10.7

CMA / ARV

ARV (median comp)
$355,366
List price
$374,990
Delta
5.52%
Verdict
FAIR
Comps
20 within 1.0 mi
Show comp detail 12 sales within ~0.75 mi
Address Dist Beds/Ba Sqft Sold Price $/sf Match
7811 Hidden Creek Way 0.10mi 3/2.5 1,554 (0%) 8mo $372,000 $239 89
1305 Riverwood Way #322 0.17mi 3/2.5 1,554 (0%) 6mo $360,000 $232 87
1305 Creekland Ct 0.13mi 3/2.5 1,616 (+4%) 1mo $385,000 $238 86
1444 Stoney Point Way 0.20mi 3/2.5 1,594 (+3%) 1mo $370,000 $232 86
1345 Riverwood Way 0.18mi 3/2.5 1,594 (+3%) 8mo $435,000 $273 80
7808 Hidden Crk 0.08mi 3/3.5 1,485 (-4%) 7mo $366,000 $246 79
1558 Stoney Beach Way 0.19mi 3/3.0 1,614 (+4%) 8mo $375,000 $232 76
1400 Cox Landing Ct 0.13mi 3/3.0 1,734 (+12%) 2mo $400,000 $231 71
7849 Hidden Crk #24 0.17mi 3/2.0 1,734 (+12%) 4mo $272,296 $157 67
1346 Waterway #186 0.29mi 3/3.0 1,742 (+12%) 4mo $359,900 $207 61
1340 Riverwood 0.16mi 3/2.5 1,787 (+15%) 11mo $380,000 $213 59
1360 Triwater #195 0.32mi 4/3.0 (+1) 1,742 (+12%) 2mo $390,000 $224 56

Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.

Projected returns pro-forma

7.75% appreciation · 3.0% rent growth · sell at horizon

5-year hold
IRR
16.3%
Equity multiple
2.20×
Total profit
$125,765
Equity at exit
$278,531
10-year hold
IRR
15.8%
Equity multiple
4.64×
Total profit
$381,882
Equity at exit
$546,925

Cash invested: $104,997 (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.

ZIP-level market 21226

Home prices YoY
2.5%
Active inventory
45
Price-to-rent
10.7×

Monthly cashflow live

Estimated rent
$2,907 high interval (Pro) →
Mortgage (P&I)
$1,966
Tax from tax record
$302 /mo · $3,625/yr
Insurance
$156
HOA
$230
Vacancy / Maint / Mgmt
$610
Net cashflow
$-358

Break-even live

Break-even rent $3,361
Max offer price $311,708
Occupancy floor

Sensitivity live

Price -10% $-146 -5% $-252 +0% $-358 +5% $-464 +10% $-570
Rent -10% $-588 -5% $-473 +0% $-358 +5% $-243 +10% $-129
Rate -1.0pp $-169 -0.5pp $-263 base $-358 +0.5pp $-455 +1.0pp $-554

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
$93,748
Closing costs
$11,250
Reserves months
Total cash needed

Loan-product check · same deal, 3 products live

Conventional

25% down · 7.5% · 30yr

Down + closing
Monthly P&I
Monthly cashflow
DSCR
Eligible?

Personal DTI + credit; lowest rate.

DSCR

20% down · 8.5% · 30yr

Down + closing
Monthly P&I
Monthly cashflow
DSCR
Eligible?

No personal income docs; deal must DSCR.

Hard money

10% down · 12.0% · 12mo

Down + closing
Monthly P&I
Monthly cashflow
DSCR
Eligible?

Short-term bridge; refi at stabilization.

Rent comps 7 comps

AddressBedsBaths SqftRent$/sqft DOM Units Dist
1346 Riverwood Way Stoney Beach, MD 3.0 2.5 1500 $2,700 $1.80 3d 1 0.16mi
1346 Riverwood Way Stoney Beach, MD 3.0 2.5 1500 $2,700 $1.80 4d 1 0.16mi
950 Nabbs Creek Rd Glen Burnie, MD 4.0 3.5 1752 $6,500 $3.71 24d 1 1.18mi
119 Cloverhill Rd Pasadena, MD 3.0 2.5 2094 $2,999 $1.43 44d 1 1.28mi
959 Mount Desert Harbour Pasadena, MD 3.0 1.5 1400 $2,600 $1.86 24d 1 1.36mi
8582 Beacon Point Rd Pasadena, MD 3.0 1.5 1159 $2,650 $2.29 3d 1 1.43mi
216 Dunlap Rd Pasadena, MD 4.0 2.0 1110 $3,000 $2.70 44d 1 1.46mi

HOA detail

Monthly dues
$230 · $2,760/yr
Likely covers
waterelectricpool

Listing history 39 events

  1. 2026-06-21
    days on market $374,990 Active 81 DOM
  2. 2026-06-18
    days on market $374,990 Active 78 DOM
  3. 2026-06-17
    days on market $374,990 Active 77 DOM
  4. 2026-06-16
    days on market $374,990 Active 76 DOM
  5. 2026-06-15
    days on market $374,990 Active 75 DOM
  6. 2026-06-13
    days on market $374,990 Active 73 DOM
  7. 2026-06-09
    days on market $374,990 Active 69 DOM
  8. 2026-06-08
    days on market $374,990 Active 68 DOM
  9. 2026-06-08
    price $374,990 Active 67 DOM
  10. 2026-06-07
    days on market $378,000 Active 67 DOM
  11. 2026-06-04
    days on market $378,000 Active 64 DOM
  12. 2026-06-03
    days on market $378,000 Active 63 DOM
  13. 2026-06-02
    days on market $378,000 Active 62 DOM
  14. 2026-06-01
    days on market $378,000 Active 61 DOM
  15. 2026-05-31
    days on market $378,000 Active 60 DOM
  16. 2026-04-23
    price $387,500 2328-char remark
    Show marketing remark (2328 chars)

    * * Price Improvement * * Don't let this one get away. No Front Foot Fee. Welcome to waterfront living in the desirable Stoney Beach community! This beautifully maintained three-bedroom, 2.5-bath condo townhouse offers the perfect blend of comfort, stylish updates, and scenic water views. Step inside to find beautiful hardwood floors that add warmth and elegance to the main level living spaces. The home features generously sized bedrooms and updated bathrooms with fresh paint, modern finishes and thoughtful details. The large kitchen is equipped with stainless steel appliances, creating a sleek and functional space for cooking and entertaining. (Brand new dishwasher installed 4/26). Walk out on the main level to an updated composite deck installed 5/24—the perfect place to enjoy morning coffee or unwind at the end of the day—while taking in views of the tranquil waters of the Patapsco River and Cox Creek. The walk-out finished lower level leads to a paved patio, providing an additional outdoor living area ideal for entertaining, grilling, or simply relaxing by the water. On colder days, relax on the main lever with an electric fireplace or a cozy wood burning fireplace on the lower level. Laundry located on the lower level with a new front load dryer installed 3/26. Living in Stoney Beach means embracing a true waterfront lifestyle with resort-style amenities. Residents enjoy access to a scenic waterfront boardwalk, private beach access, and a community boat ramp, along with available boat storage for boating enthusiasts. The neighborhood also features a dog park, basketball, community pool and tennis courts, picnic areas, and open green spaces, creating a community that feels like a year-round retreat. Commuters will appreciate the easy access to major routes including Interstate 695 and Maryland Route 100, providing convenient connections to Baltimore, Annapolis, and surrounding areas. Whether you’re enjoying a sunset stroll along the boardwalk, launching your boat for a day on the water, or relaxing on your deck overlooking the water, this home offers resort-style waterfront living every day. Don’t miss the opportunity to enjoy breathtaking water views, modern upgrades, and an amenity-rich coastal community all in one exceptional property. Motivated Sellers.

  17. 2026-04-02
    listed $400,000 Active 2328-char remark
    Show marketing remark (2328 chars)

    * * Price Improvement * * Don't let this one get away. No Front Foot Fee. Welcome to waterfront living in the desirable Stoney Beach community! This beautifully maintained three-bedroom, 2.5-bath condo townhouse offers the perfect blend of comfort, stylish updates, and scenic water views. Step inside to find beautiful hardwood floors that add warmth and elegance to the main level living spaces. The home features generously sized bedrooms and updated bathrooms with fresh paint, modern finishes and thoughtful details. The large kitchen is equipped with stainless steel appliances, creating a sleek and functional space for cooking and entertaining. (Brand new dishwasher installed 4/26). Walk out on the main level to an updated composite deck installed 5/24—the perfect place to enjoy morning coffee or unwind at the end of the day—while taking in views of the tranquil waters of the Patapsco River and Cox Creek. The walk-out finished lower level leads to a paved patio, providing an additional outdoor living area ideal for entertaining, grilling, or simply relaxing by the water. On colder days, relax on the main lever with an electric fireplace or a cozy wood burning fireplace on the lower level. Laundry located on the lower level with a new front load dryer installed 3/26. Living in Stoney Beach means embracing a true waterfront lifestyle with resort-style amenities. Residents enjoy access to a scenic waterfront boardwalk, private beach access, and a community boat ramp, along with available boat storage for boating enthusiasts. The neighborhood also features a dog park, basketball, community pool and tennis courts, picnic areas, and open green spaces, creating a community that feels like a year-round retreat. Commuters will appreciate the easy access to major routes including Interstate 695 and Maryland Route 100, providing convenient connections to Baltimore, Annapolis, and surrounding areas. Whether you’re enjoying a sunset stroll along the boardwalk, launching your boat for a day on the water, or relaxing on your deck overlooking the water, this home offers resort-style waterfront living every day. Don’t miss the opportunity to enjoy breathtaking water views, modern upgrades, and an amenity-rich coastal community all in one exceptional property. Motivated Sellers.

  18. 2026-03-17
    historical $400,000 2328-char remark
    Show marketing remark (2328 chars)

    * * Price Improvement * * Don't let this one get away. No Front Foot Fee. Welcome to waterfront living in the desirable Stoney Beach community! This beautifully maintained three-bedroom, 2.5-bath condo townhouse offers the perfect blend of comfort, stylish updates, and scenic water views. Step inside to find beautiful hardwood floors that add warmth and elegance to the main level living spaces. The home features generously sized bedrooms and updated bathrooms with fresh paint, modern finishes and thoughtful details. The large kitchen is equipped with stainless steel appliances, creating a sleek and functional space for cooking and entertaining. (Brand new dishwasher installed 4/26). Walk out on the main level to an updated composite deck installed 5/24—the perfect place to enjoy morning coffee or unwind at the end of the day—while taking in views of the tranquil waters of the Patapsco River and Cox Creek. The walk-out finished lower level leads to a paved patio, providing an additional outdoor living area ideal for entertaining, grilling, or simply relaxing by the water. On colder days, relax on the main lever with an electric fireplace or a cozy wood burning fireplace on the lower level. Laundry located on the lower level with a new front load dryer installed 3/26. Living in Stoney Beach means embracing a true waterfront lifestyle with resort-style amenities. Residents enjoy access to a scenic waterfront boardwalk, private beach access, and a community boat ramp, along with available boat storage for boating enthusiasts. The neighborhood also features a dog park, basketball, community pool and tennis courts, picnic areas, and open green spaces, creating a community that feels like a year-round retreat. Commuters will appreciate the easy access to major routes including Interstate 695 and Maryland Route 100, providing convenient connections to Baltimore, Annapolis, and surrounding areas. Whether you’re enjoying a sunset stroll along the boardwalk, launching your boat for a day on the water, or relaxing on your deck overlooking the water, this home offers resort-style waterfront living every day. Don’t miss the opportunity to enjoy breathtaking water views, modern upgrades, and an amenity-rich coastal community all in one exceptional property. Motivated Sellers.

  19. 2021-05-21
    soldstatus $317,000 Closed 726-char remark
    Show marketing remark (726 chars)

    Welcome home to Stoney Beach, live the waterfront lifestyle in this amenity rich community featuring water access for your boat, a community pool, tennis and basketball courts, community beach, nature trail, and a boardwalk along the bay! This 3-bedroom, 2.5 bath interior unit townhome backs to Stoney Creek, enjoy water views and sun from the expansive rear deck! Home features hardwood floors, an updated kitchen with granite countertops, backsplash, and stainless appliances. Do not miss the stone accent wall in the living room with a cozy electric fireplace! Too many features to list! Conveniently located to 695 and Rt 100 for easy commute, don’t miss this opportunity to move in and enjoy summer on the water!

  20. 2021-04-12
    status Pending 726-char remark
    Show marketing remark (726 chars)

    Welcome home to Stoney Beach, live the waterfront lifestyle in this amenity rich community featuring water access for your boat, a community pool, tennis and basketball courts, community beach, nature trail, and a boardwalk along the bay! This 3-bedroom, 2.5 bath interior unit townhome backs to Stoney Creek, enjoy water views and sun from the expansive rear deck! Home features hardwood floors, an updated kitchen with granite countertops, backsplash, and stainless appliances. Do not miss the stone accent wall in the living room with a cozy electric fireplace! Too many features to list! Conveniently located to 695 and Rt 100 for easy commute, don’t miss this opportunity to move in and enjoy summer on the water!

  21. 2021-04-12
    price $310,000 726-char remark
    Show marketing remark (726 chars)

    Welcome home to Stoney Beach, live the waterfront lifestyle in this amenity rich community featuring water access for your boat, a community pool, tennis and basketball courts, community beach, nature trail, and a boardwalk along the bay! This 3-bedroom, 2.5 bath interior unit townhome backs to Stoney Creek, enjoy water views and sun from the expansive rear deck! Home features hardwood floors, an updated kitchen with granite countertops, backsplash, and stainless appliances. Do not miss the stone accent wall in the living room with a cozy electric fireplace! Too many features to list! Conveniently located to 695 and Rt 100 for easy commute, don’t miss this opportunity to move in and enjoy summer on the water!

  22. 2021-04-10
    price $300,000 726-char remark
    Show marketing remark (726 chars)

    Welcome home to Stoney Beach, live the waterfront lifestyle in this amenity rich community featuring water access for your boat, a community pool, tennis and basketball courts, community beach, nature trail, and a boardwalk along the bay! This 3-bedroom, 2.5 bath interior unit townhome backs to Stoney Creek, enjoy water views and sun from the expansive rear deck! Home features hardwood floors, an updated kitchen with granite countertops, backsplash, and stainless appliances. Do not miss the stone accent wall in the living room with a cozy electric fireplace! Too many features to list! Conveniently located to 695 and Rt 100 for easy commute, don’t miss this opportunity to move in and enjoy summer on the water!

  23. 2021-04-08
    listed $310,000 Active 726-char remark
    Show marketing remark (726 chars)

    Welcome home to Stoney Beach, live the waterfront lifestyle in this amenity rich community featuring water access for your boat, a community pool, tennis and basketball courts, community beach, nature trail, and a boardwalk along the bay! This 3-bedroom, 2.5 bath interior unit townhome backs to Stoney Creek, enjoy water views and sun from the expansive rear deck! Home features hardwood floors, an updated kitchen with granite countertops, backsplash, and stainless appliances. Do not miss the stone accent wall in the living room with a cozy electric fireplace! Too many features to list! Conveniently located to 695 and Rt 100 for easy commute, don’t miss this opportunity to move in and enjoy summer on the water!

  24. 2017-11-28
    historical
  25. 2017-11-27
    soldstatus $250,000
  26. 2017-11-27
    soldstatus $250,000 Sold
  27. 2017-11-07
    status Contingent (No Kick Out)
  28. 2017-10-31
    price $254,900
  29. 2017-10-23
    listed $259,900 Active
  30. 2017-10-23
    listed $254,900
  31. 2017-03-30
    soldstatus $150,000
  32. 2017-03-29
    soldstatus $150,000
  33. 2017-03-29
    soldstatus $150,000 Sold
  34. 2016-12-27
    status Contingent (No Kick Out)
  35. 2016-12-26
    historical
  36. 2016-12-20
    price $179,000
  37. 2016-12-10
    price $189,000
  38. 2016-10-19
    listed $199,000 Active
  39. 2016-10-19
    listed $179,000

ⓘ 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
$3,625 · $302/mo
Projected year-2 tax
$3,856 · $321/mo
Expected delta
+$231/yr (+$19/mo · 6.4%)

ⓘ 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 64% chance of damaging wind over 30 yrs
  • 🫁 Air quality 5/10 Major 6 unhealthy d/yr today · 8 by 30 yrs out

Nearby sold comps map

Loading sold comps map…

Walkable amenities ~0.75 mi

Loading nearby amenities…

Taxation est. · year 1

Rental income
$34,885
− Mortgage interest
−$21,005
− Property taxes
−$3,625
− Insurance
−$1,875
− Repairs & maintenance
−$2,791
− Management
−$2,791
− HOA
−$2,760
− Depreciation
−$10,909
Taxable loss
−$10,871
combined federal + state — saved on this device
Est. tax savings @ 24.0%
+$2,609
After-tax cash flow
$-1,690/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
Anne Arundel County Public Schools
NCES district ID
2400060
Math proficiency
20% ▼ -21.00%
Reading proficiency
37% ▼ -13.00%
Median HH income
$87,880
Composite
28.52/100
National rank
#6733
State rank
#10 of 24 in MD

Livability — Riviera Beach

Score
64/100
State rank
#280
US rank
#14429

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

Census place
Riviera Beach, MD
Population (ZIP)
6,593

Population outlook (Anne Arundel County) Hauer SSP2

Today (2025)
617,384 people
By 2030
642,094 · +4.0%
By 2040
686,621 · +11.2%
By 2050
723,031 · +17.1%
By 2075
809,346 · +31.1%
By 2100
837,658 · +35.7%

Race, ethnicity, and origin ACS 2023

Neighborhood character
Diverse neighborhood (Simpson 0.61)
Race & ethnicity
White 59% Black 18% Two or more races 13% Hispanic / Latino 8% Asian 4%
Hispanic origin (detail)
Mexican 4% Puerto Rican 3%
Common ancestry
Slovak 7% Romanian 2% Scotch-Irish 1%
Foreign-born
7% · Canada, Jamaica
Languages at home
91% English-only · Spanish 7% Tagalog/Filipino 1% Other Indo-European 1%

Political lean MEDSL · Anne Arundel

2024 margin
D (+13.9) · D 55.7% · R 41.7% · Other 2.6%
2008→2024 swing
+15.7pp toward D · 2008: -1.8pp · 2024: 13.9pp
All cycles
2024: D+13.9 2020: D+14.5 2016: D+0.7 2012: R+0.9 2008: R+1.8

Not yet ingested

Civics

Market trends

HPI YoY
▲ 7.75%
Current HPI
318.79
Rent YoY
Metro
State GDP YoY
▲ 2.97%
F500 in state
12

Industry mix (Fortune 500 HQ in MD)

Industry F500 HQs Revenue

Price history

+116.5% since first listed
24 events — show timeline
  • 2026-04-23 Price Changed $387,500 BRIGHT MLS
  • 2026-04-02 Listed $400,000 BRIGHT MLS
  • 2026-03-17 Coming Soon $400,000 BRIGHT MLS
  • 2021-05-21 Sold (MLS) $317,000 BRIGHT MLS
  • 2021-04-12 Pending BRIGHT MLS
  • 2021-04-12 Price Changed $310,000 BRIGHT MLS
  • 2021-04-10 Price Changed $300,000 BRIGHT MLS
  • 2021-04-08 Listed $310,000 BRIGHT MLS
  • 2017-11-28 Listing Removed BRIGHT MLS
  • 2017-11-27 Sold (MLS) $250,000 MRIS
  • 2017-11-27 Sold (MLS) $250,000 BRIGHT MLS
  • 2017-11-07 Pending MRIS
  • 2017-10-31 Price Changed $254,900 MRIS
  • 2017-10-23 Listed $259,900 MRIS
  • 2017-10-23 Listed $254,900 BRIGHT MLS
  • 2017-03-30 Sold (Public Records) $150,000 Public Records
  • 2017-03-29 Sold (MLS) $150,000 MRIS
  • 2017-03-29 Sold (MLS) $150,000 BRIGHT MLS
  • 2016-12-27 Pending MRIS
  • 2016-12-26 Listing Removed BRIGHT MLS
  • 2016-12-20 Price Changed $179,000 MRIS
  • 2016-12-10 Price Changed $189,000 MRIS
  • 2016-10-19 Listed $199,000 MRIS
  • 2016-10-19 Listed $179,000 BRIGHT MLS

Property tax history

+6.2%/yr

Latest (2025): $3,625 · +4.4% YoY. Source: county tax records.

Cash-flow waterfall

monthly

Sold comps — $/sqft

last 12 mo · ≤1 mi

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