307 E Locust St, Union Bridge, MD, 21791 | $731/mo Cash Flow

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Price: $300K - 500K

Monthly Cash Flow: 1 - 3k+

Home Type: Single Family

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307 E Locust St, Union Bridge, MD, 21791 | $731/mo Cash Flow | Ziffy

For Sale

Ziffy Mortgage

NMLS #2625701

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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

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Investment Highlights

Investment property for sale in Union Bridge at 307 E Locust St, Union Bridge, MD, 21791 with 5% annual appreciation on a $325,000 basis while $2,753/mo rent supports operations. Total monthly income totals $2,753/mo and a $1,591/mo payment preserves $731/mo for cash returns. Annual cash flow comes to $8,776/yr on $107,738 deployed, and return on cash invested reaches 28.06% in year one. Equity gained on principal adds $2,097/yr, and five-year appreciation sums $89,792 alongside rental yield of 10.16%. Five-year ROI measures 146.58% and total cumulative return in cash totals $157,921.

Investors can finance this property with Ziffy Mortgage’s DSCR loan that underwrites to $2,753/mo property income versus a $1,591/mo payment rather than your W2s, Paystubs, Tax returns, or 1099 forms.

Single Family

Built in 1947

9,620 sqft lot

$N/A/sqft

No HOA

More details about the property

Welcome to this charming, updated cottage in rural Carroll County. This home has been lovingly updated and improved over the past 10 years. It's situated in a quiet neighborhood in a small town steeped in history. The outside of the home has been carefully preserved and updated for charm and lasting beauty. There is recent roof, paint, gutters, sidewalks and landscaping. The rear yard is like an old English garden with beautiful plants and flowers. All landscaped to perfection. The home features modern HVAC with two zones. The main level has cozy kitchen with breakfast area, a living and dining combo and Primary bedroom with full bath. The upper level can be one bedroom or two. The smaller room is a walkthrough, perfect as a nursery or den. The basement is dry with good ceiling heights and perfect for adding additional living space. It has a walkup to the rear yard too. The back of the yard is capped by a two-car garage and attached workshop or hobby space. This home needs to be seen in person to appreciate its many features. Affordable, charming and updated, what a combination.

Neighborhood Data

Neighborhood data shown for ZIP Code: 21791, Union Bridge, MD area.

Housing Distribution

Housing Statistics

Category	Value
Total HU (Housing Units)	2,187 (100%)
Owner Occupied HU	1,692 (77.4%)
Renter Occupied HU	376 (17.2%)
Vacant Housing Units	119 ( 5.4%)
Median Home Value	$529,442
Average Home Value	$601,399