Townhouse / Rowhouse home in BALTIMORE, MD
Set in BALTIMORE, MD, this Townhouse home provides 3 bedrooms and 2 bathrooms. Notable features include a deck / patio.
| Price | $120,000 |
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| Beds | 3 |
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| Baths | 2 |
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| Architectural style | Townhouse / Rowhouse (65% match) |
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| Address | 1631 N Monroe Street, BALTIMORE, MD 21217 |
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Why buy this home
- Confirmed Townhouse / Rowhouse architecture, matched from the listing photos by Enzo's vision model.
- Features: deck / patio.
- Links directly to the original source listing on Estately.
Is this a good buy?
Priced below comparable homes.
- At $120K, this home is 49% below the $235K median for 2521 similar Townhouse / Rowhouse homes in Baltimore, MD.
It is well below comparable homes, which can mean condition issues, a smaller lot or living area, a leasehold, or a data quirk. Check the source listing before getting excited. No square footage is listed, so the per-square-foot comparison is not available. Enzo's reads public listing data and links to the original source. Confirm condition, HOA, taxes and fees there. This is a signal, not advice.
What it costs to own
Estimated at $809/month with 20% down at a 7.28% 30-year fixed rate. You would need about $34,665 in gross annual income to keep housing within a 28% ratio.
| Mortgage (P&I) | $657/mo |
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| Property tax (new-buyer reassessed rate) | $107/mo |
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| Homeowners insurance | $45/mo |
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| Total monthly | $809/mo |
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| Down payment (20%) | $24,000 |
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| Income needed | $34,665/yr |
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A signal to compare homes, not financial advice or a loan offer.
Financial outlook (modeled)
Enzo's grades this home F (8 out of 100) over a 5-year hold, from a Monte-Carlo of local home-price dynamics and the interest-rate path versus renting.
| Grade | F (8/100) |
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| Beats renting in | 0% of modeled paths |
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| Modeled 5-yr equity (median) | $20,240 |
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| Range (10th to 90th pct) | $3,295 to $41,415 |
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A probabilistic model built on public data (Zillow ZHVI, FRED rates), not a guarantee or financial advice. Local price dynamics are pooled toward Baltimore, MD where local data is thin.
Local home values
Typical home values in Baltimore, MD have risen about 15% over the past 5 years (+1% in the last year), per the Zillow Home Value Index. This reflects the metro market, not this specific home.
View this home on Estately