3030 Barclay St · Baltimore, MD 21218

$140,000

3 bd · 1.0 ba · 1,381 sqft · Townhouse public records · 11 Days on market

Built 1913 1,302 sqft lot Est $157k · 11% 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 +30.0/30.0
• ARV discount +12.5/15.0
• DSCR +10.0/10.0
• 1% rule +9.2/10.0
• Livability +3.8/5.0
• Rent growth +2.9/5.0
• Condition / age +2.5/5.0
• Schools +1.0/10.0
• Appreciation +0.0/10.0

Listing remarks

3030 Barclay Street is a 3-bedroom, 1-bath home in Abell, located on a tree-lined street near Johns Hopkins University, MedStar Union Memorial, Waverly Farmers Market, and the Charm City Circulator. The home includes a covered front porch, hardwood flooring in the living areas, exposed brick accents, and a formal dining room. The kitchen is equipped with wood cabinets, laminate countertops, a 30” gas range, and dishwasher. The bathroom includes a pedestal sink and steel tub with ceramic tile surround. A full-size washer and dryer are located in the basement. Currently rented at $1,100/month, with projected market rent of $1,600/month. Tenants pay all utilities, including gas, electric

Key facts

• Covered front porch
• Hardwood flooring
• Formal dining room

Tags

• TREE-LINED STREET
• COVERED FRONT PORCH
• HARDWOOD FLOORING
• EXPOSED BRICK ACCENTS
• FORMAL DINING ROOM
• 30 GAS RANGE

Property features AI

Finance

• Financial info: Fee simple ownership; Property produced $13,200 in total actual rent (reported)

Exterior

• Utilities: Public water; Public sewer; Natural gas service
• Home design: Interior townhouse/rowhouse; Located within city limits (Baltimore City)
• Construction: Brick construction; Stone foundation; Rubber roof; Built year as recorded by assessor
• Exterior features: Annual ground rent; Municipal trash service

Interior

• Bedrooms: Three bedrooms on the upper level
• Bathrooms: One full bathroom (upper level); One half bathroom (lower level)
• Heating & cooling: Forced air heating; Natural gas hot water
• Interior features: Full, unfinished basement

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath townhouse listed at $140k.

Deal economics

• At list price, monthly cash flow is $601 ($7k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $140k).
• Cap rate 11.4% 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 rising (+1.6%/yr); 330 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals at typical pace (median 22d on market — plan ~3-4 weeks tenant-placement turnaround); 1,273 units permitted in Baltimore city in 2024 (1,104 in 5+ unit buildings).
• This rent runs 38% of the median local income ($62k/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 $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.
• At projected returns (-3.0% appreciation + 1.6% rent growth), your $39k cash investment doubles in ~8 years — after that, you're playing with house money.

Negotiation context

• Only 11 days on market — expect competitive offers; lowballing is unlikely to land.
• 3 sale attempts since 27y 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.
• Current owner paid $45k; list at $140k implies a 211% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: built in 1913 — 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 $140,000

Questions for the listing agent

1. Built in 1913 — 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: 1.42% ✓
• Cap rate: 11.45%
• Cash-on-cash: 18.40%
• DSCR: 1.82
• GRM: 5.8

CMA / ARV

• ARV (on-the-fly): $157,434
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
3045 Guilford Ave	0.10mi	3/1.5	1,532 (+11%)	0mo	$310,000	$202	75
3043 Guilford Ave	0.10mi	3/1.5	1,532 (+11%)	0mo	$275,000	$180	75
2540 Greenmount Ave	0.44mi	3/1.0	1,340 (-3%)	0mo	$79,000	$59	74
435 Ilchester Ave	0.20mi	3/2.0	1,531 (+11%)	2mo	$123,000	$80	67
609 Melville Ave	0.47mi	4/2.0 (+1)	1,364 (-1%)	1mo	$120,000	$88	66
604 E 35th St E	0.43mi	3/1.0	1,260 (-9%)	1mo	$94,000	$75	64
515 E 35th St	0.40mi	3/1.5	1,260 (-9%)	1mo	$135,999	$108	64
326 E 26th St	0.39mi	3/2.0	1,496 (+8%)	2mo	$170,000	$114	62
646 E 37th St	0.63mi	3/2.0	1,284 (-7%)	0mo	$94,000	$73	54
3405 Greenway #302	0.43mi	2/1.5 (-1)	1,221 (-12%)	1mo	$265,000	$217	53
3633 Elkader Rd	0.69mi	2/1.5 (-1)	1,304 (-6%)	1mo	$265,000	$203	50
310 E 25th St	0.50mi	3/3.0	1,560 (+13%)	1mo	$308,999	$198	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 · 1.63% rent growth · sell at horizon

5-year hold

• IRR: 8.5%
• Equity multiple: 1.33×
• Total profit: $12,923
• Equity at exit: $20,874

10-year hold

• IRR: 16.6%
• Equity multiple: 2.27×
• Total profit: $49,867
• Equity at exit: $12,105

Cash invested: $39,200 (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 21218

• Rents YoY: 1.6%
• Active inventory: 330
• Price-to-rent: 5.8×

Monthly cashflow live

• Estimated rent: $1,995 high
• Mortgage (P&I): −$734
• Tax from tax record: −$182 /mo · $2,184/yr
• Insurance: −$58
• HOA: −$0
• Vacancy / Maint / Mgmt: −$419
• Net cashflow: $601

Break-even live

Break-even rent $1,234

Max offer price $140,000

Occupancy floor 65%

Sensitivity live

Price	-10% $680	-5% $641	+0% $601	+5% $562	+10% $522
Rent	-10% $444	-5% $522	+0% $601	+5% $680	+10% $759
Rate	-1.0pp $672	-0.5pp $637	base $601	+0.5pp $565	+1.0pp $528

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: $35,000
• Closing costs: $4,200
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
436 Ilchester Ave Unit 1 Baltimore, MD	2.0	2.0	1002	$1,350	$1.35	45d	1	0.15mi
402 E 28th St Baltimore, MD	3.0	1.0	1436	$2,200	$1.53	45d	1	0.18mi
3012 Mathews St Baltimore, MD	2.0	1.0	996	$1,100	$1.10	19d	1	0.20mi
616 Montpelier St Baltimore, MD	3.0	1.0	1150	$1,750	$1.52	12d	1	0.21mi
3026 Mathews St Baltimore, MD	2.0	1.0	996	$1,350	$1.36	16d	1	0.21mi
3221 Guilford Ave Apt A Baltimore, MD	3.0	1.5	1025	$2,925	$2.85	19d	1	0.22mi
519 E 28th St Baltimore, MD	3.0	2.0	1500	$2,000	$1.33	5d	1	0.27mi
348 E University Pkwy Baltimore, MD	4.0	2.0	1809	$2,400	$1.33	45d	1	0.27mi
3201 Saint Paul St Baltimore, MD	1.0–2.0	1.5–2.0	1532	$3,200	$2.09	4d	1	0.31mi
400 E Lorraine Ave Baltimore, MD	3.0	1.0	1500	$1,800	$1.20	21d	1	0.33mi
428 E Lorraine Ave Unit 1 Baltimore, MD	3.0	1.5	1344	$1,875	$1.40	45d	1	0.33mi
428 E Lorraine Ave Baltimore, MD	3.0	2.0	1344	$1,875	$1.40	25d	1	0.33mi
450 E Lorraine Ave Baltimore, MD	3.0	1.0	1344	$1,695	$1.26	45d	1	0.34mi
411 E Lorraine Ave Baltimore, MD	3.0	1.5	1344	$2,200	$1.64	25d	1	0.35mi
936 Montpelier St Baltimore, MD	2.0	1.0	1260	$1,450	$1.15	25d	1	0.39mi
3501 Saint Paul St Baltimore, MD	3.0	1.0–2.5	916	$2,700	$2.95	3d	172	0.42mi
2516 Barclay St Baltimore, MD	3.0	1.0	992	$1,375	$1.39	17d	1	0.42mi
3222 Ellerslie Ave Baltimore, MD	4.0	1.5	1550	$1,950	$1.26	45d	1	0.43mi
3529 Greenmount Ave Baltimore, MD	3.0	2.0	1316	$1,575	$1.20	45d	1	0.47mi
2752 Maryland Ave Unit 2ND FLOOR Baltimore, MD	2.0	1.0	900	$1,500	$1.67	19d	1	0.48mi
3601 Greenway #101 Baltimore, MD	2.0	2.0	1470	$2,700	$1.84	5d	1	0.50mi
724 E 35th St Baltimore, MD	3.0	1.5	1368	$2,000	$1.46	16d	1	0.50mi
1 E University Pkwy Baltimore, MD	1.0–3.0	1.0–2.0	1045	$2,500	$2.39	5d	2	0.54mi
721 E 36th St Unit Na Baltimore, MD	2.0	1.0	1156	$1,650	$1.43	45d	1	0.56mi
2440 Saint Paul St Unit 4E Baltimore, MD	2.0	2.0	891	$1,625	$1.82	45d	1	0.57mi
2641 N Howard St Baltimore, MD	4.0	3.5	1344	$2,800	$2.08	25d	1	0.57mi
646 Cokesbury Ave Baltimore, MD	2.0	1.5	1200	$1,299	$1.08	45d	1	0.64mi
325 W Lorraine Ave Baltimore, MD	3.0	1.0	1470	$3,150	$2.14	5d	1	0.66mi
534 E 23rd St Baltimore, MD	3.0	2.5	1700	$2,350	$1.38	45d	1	0.66mi
1040 E 33rd St Baltimore, MD	1.0–2.0	1.0–2.0	775	$1,525	$1.97	4d	10	0.67mi
315 W 30th St Baltimore, MD	3.0	3.0	1250	$2,450	$1.96	17d	1	0.67mi
315 W 30th St Baltimore, MD	3.0	3.0	1200	$2,450	$2.04	19d	1	0.67mi
2300 N Calvert St Baltimore, MD	1.0–2.0	1.0–2.0	1100	$1,995	$1.81	4d	2	0.68mi
612 Chestnut Hill Ave Unit 1 Baltimore, MD	2.0	1.0	900	$1,999	$2.22	45d	1	0.69mi
305 W 31st St Baltimore, MD	4.0	2.0	1500	$2,499	$1.67	45d	1	0.70mi
2606 Cecil Ave Baltimore, MD	2.0	1.5	1200	$1,500	$1.25	45d	1	0.73mi
3721 Ellerslie Ave Baltimore, MD	1.0–3.0	1.0–2.0	894	$1,603	$1.79	3d	1	0.76mi
1539 Abbotston St Baltimore, MD	3.0	2.0	1800	$1,995	$1.11	45d	1	0.84mi
3811 Canterbury Rd Baltimore, MD	2.0	1.0–2.0	975	$2,495	$2.56	13d	5	0.86mi
2310 Aisquith St Baltimore, MD	4.0	3.0	900	$2,000	$2.22	5d	1	0.86mi

Listing history 14 events

1. 2026-06-08
   statusdays on market $140,000 Pending 11 DOM
2. 2026-06-07
   days on market $140,000 Active 10 DOM
3. 2026-06-04
   days on market $140,000 Active 7 DOM
4. 2026-06-03
   days on market $140,000 Active 6 DOM
5. 2026-06-02
   days on market $140,000 Active 5 DOM
6. 2026-06-01
   days on market $140,000 Active 4 DOM
7. 2026-05-31
   days on market $140,000 Active 3 DOM
8. 2026-05-28
   listed $140,000 Active
9. 1999-12-30
   soldstatus $45,000
10. 1999-10-28
    soldstatus $45,000
11. 1999-10-04
    historical
12. 1999-09-29
    listed $49,900
13. 1999-09-20
    historical
14. 1999-04-23
    listed

ⓘ 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: $2,184 · $182/mo
• Projected year-2 tax: $2,184 · $182/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 4/10 Moderate 6 unhealthy d/yr today · 7 by 30 yrs out

Taxation est. · year 1

• Rental income: $23,934
• − Mortgage interest: −$7,842
• − Property taxes: −$2,184
• − Insurance: −$700
• − Repairs & maintenance: −$1,915
• − Management: −$1,915
• − Depreciation: −$4,073
• Taxable income: $5,306
• Est. tax owed @ 24.0%: −$1,273
• After-tax cash flow: $5,940/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): 44,014
• Household income: $62,488
• Rent vs Own: 51.9% rent · 48.1% own
• Severe rent burden: 2564.0

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 0.58)
• Race & ethnicity: Black 60% White 26% Two or more races 6% Hispanic / Latino 5% Asian 5%
• Common ancestry: Romanian 2% Italian 1% Scotch-Irish 1%
• Foreign-born: 10% · Canada, China, South Korea
• Languages at home: 87% English-only · Spanish 4% French/Haitian/Cajun 2% Chinese 2%

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: ▼ -463.14%
• Current HPI: 292.3986
• Rent YoY: ▲ 1.63%
• 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

+180.6% since first listed

7 events — show timeline

• 2026-05-28 Listed $140,000 BRIGHT MLS
• 1999-12-30 Sold (Public Records) $45,000 Public Records
• 1999-10-28 Sold (MLS) $45,000 MRIS
• 1999-10-04 Delisted — MRIS
• 1999-09-29 Listed $49,900 MRIS
• 1999-09-20 Delisted — MRIS
• 1999-04-23 Listed — MRIS

Property tax history

-1.8%/yr

Latest (2025): $2,184 · +2.7% YoY. Source: county tax records.