3040 Oak Farm RdChurchvilleMD21028








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Ziffy AI Summary
A quick, investor-focused snapshot highlighting income strength, yield potential.
| Key metrics | Value |
|---|---|
| Price | $399,900 |
| Est. Rent | $3,200/mo |
| ROI | 18% |
- Attractive rent-to-price ratio for income stability
- Good fit for DSCR financing with healthy coverage


Investment Highlights
Investment property for sale in Churchville at 3040 Oak Farm Rd, Churchville, MD, 21028 offers a 3.93% rental yield on a $1,100,000 purchase with $3,600/mo rent. 46% in year one. Equity gained on principal adds $7,098/yr while 5% annual appreciation supports $303,910 over five years. Portfolio math shows five-year ROI at 46.73% and total cumulative return in cash at $166,543. Financing is available via Ziffy Mortgage’s DSCR loan, which evaluates $3,600/mo property income against a $5,384/mo payment rather than investor’s personal income documents like W2s, Salary slips, and Tax returns.
Single Family
Built in 1992
5.87 Acres lot
$N/A/sqft
No HOA
More details about the property
Neighborhood Data
Neighborhood data shown for ZIP Code: 21028, Churchville, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,255 (100%) |
| Owner Occupied HU | 1,046 (83.3%) |
| Renter Occupied HU | 139 (11.1%) |
| Vacant Housing Units | 70 ( 5.6%) |
| Median Home Value | $603,856 |
| Average Home Value | $624,207 |
Housing Distribution
Address Breakdown
Residential
1,177
Single Family
1,177
Multi-Family
0
Businesses
140
Price History
Date | Event | Price |
|---|---|---|
| 2025-04-25 | Listed for sale | $1,100,000 |
| 2018-07-19 | Sold | $760,000 |
| 2018-04-16 | Pending sale | $799,700 |
Tax History
Date | Tax Paid | Tax Increase Rate | Value | Value Increase Rate |
|---|---|---|---|---|
| 2024-04-26 | $10010.00 | 8.81% | $918,433 | 8.81% |
| 2023-04-26 | $9199.85 | 3.99% | $844,100 | N/A |
| 2022-04-26 | $8846.72 | -0.33% | $844,100 | 8.32% |
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Facts & Features
General Information
- Type: SingleFamily
- Year Built: 1992
- Architectural Style: Cape Cod
- Building Area: 5,535
- Living Area: 5,535 sqft
- Property Condition: Very Good
Features & Amenities
- Heating: Forced Air, Oil
- Cooling: Central Air, Ceiling Fan(s), Electric
- Flooring: Carpet, Ceramic Tile, Hardwood, Luxury Vinyl, Wood
- Interior Features: Kitchen - Gourmet, Breakfast Area, Kitchen Island, Dining Area, Primary Bath(s), Entry Level Bedroom, Upgraded Countertops, Crown Molding, Wainscotting, Recessed Lighting, Open Floorplan, Ceiling Fan(s), Family Room Off Kitchen, Formal/Separate Dining Room, Pantry, Walk-In Closet(s), Butlers Pantry, Combination Kitchen/Dining, Combination Dining/Living, 2nd Kitchen, Attic, Bathroom - Walk-In Shower, Bathroom - Tub Shower, Built-in Features, Central Vacuum, Kitchen - Table Space, Other, Vaulted Ceiling(s), Dry Wall, 9'+ Ceilings
- Exterior Features: Sidewalks, Water Falls, Chimney Cap(s), Extensive Hardscape, Lighting, Stone Retaining Walls, Outdoor Shower, Bump-outs
- Parking Features: Garage Door Opener, Garage Faces Side, Inside Entrance, Oversized, Driveway, Private, Off Street, Attached
Location
- City: Churchville
- State: MD
- Subdivision: Oak Farms
- Lot Size: 5.87 Acres
- Lot Features: Backs to Trees, Stream/Creek, Private, Landscaped, No Thru Street, Wooded, Cul-De-Sac, Rear Yard, Poolside, Premium, SideYard(s), Front Yard
- View: Trees/Woods, Garden, Scenic Vista
HOA & Fees
- HOA Fee: N/A
- Association Fee: N/A
- Fees & Dues: N/A
- Association Amenities: N/A
- Association Fee Includes: N/A
Utilities
- Utilities: N/A
- Sewer: Private Septic Tank
- Water Source: Well
- Road Surface Type: N/A
School Information
- Elementary School: N/A
- Middle School: N/A
- High School: N/A
Listed by: Cindy Biasello • Garceau Realty
Mls Name: Bright MLS
Mls Provider:
Mls ID: #MDHR2041754
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