3430 Roy Shafer Rd, Middletown, MD, 21769 | 4.09% Rental Yield

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3430 Roy Shafer Rd, Middletown, MD, 21769 | 4.09% Rental Yield | Ziffy

For Sale

Fix & Flip

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 Middletown at 3430 Roy Shafer Rd, Middletown, MD, 21769 offers a 4.09% rental yield on a $499,900 purchase with $1,705/mo rent. 74% in year one. Equity gained on principal adds $3,226/yr while 5% annual appreciation supports $138,113 over five years. Portfolio math shows five-year ROI at 48.35% and total cumulative return in cash at $80,124. Financing is available via Ziffy Mortgage’s DSCR loan, which evaluates $1,705/mo property income against a $2,447/mo payment rather than investor’s personal income documents like W2s, Salary slips, and Tax returns.

Single Family

Built in 1860

4.25 Acres lot

$N/A/sqft

No HOA

More details about the property

Nestled on an exceptionally quiet valley road between Middletown and Jefferson, this charming three-bedroom, one-bath home sits on 4.25 acres and blends historic character with modern efficiency. Just minutes from Frederick, it offers a peaceful country setting without giving up convenience. Inside, youll find granite countertops, mostly hardwood floors, and an updated bathroom. Comfort is year-round with a high-efficiency mini-split system installed in 2023. Major upgrades include a new engineered shingle roof (2024, 25-year warranty), a freestanding 25-panel solar array installed in late 2024 (owned outright, 25-year warranty), and a high-performance insulated siding system (2025). The solar array is fully owned, so buyers benefit from reduced utility costs and SREC income (produces around $2,700 yearly) with no financing to assume. Outside, 1.5 acres are enclosed with board fencing, lined with fruit trees and lit with solar post-cap lights, while the property stretches back to a creek for added privacy and space. The sale is as-is. Termite evidence was professionally treated, and while the back acreage is in FEMAs flood zone, the house itself is not and no flood insurance was required by the mortgage lender. High-speed Xfinity internet is available.

Neighborhood Data

Neighborhood data shown for ZIP Code: 21769, Middletown, MD area.

Housing Distribution

Housing Statistics

Category	Value
Total HU (Housing Units)	4,486 (100%)
Owner Occupied HU	3,801 (84.7%)
Renter Occupied HU	524 (11.7%)
Vacant Housing Units	161 ( 3.6%)
Median Home Value	$591,569
Average Home Value	$646,696