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Live here for less than renting one of the units. With conventional financing and 20% down, it costs just $101 per month to live at 645 N Paca Street after applying the rental income toward principal, interest, taxes, and insurance (PITI). With only 3.5% down, the monthly cost is $886, less than the current rent of any of the apartments. Call us to discuss the financial advantages of owner-occupying this home. Located in the heart of Seton Hill, this property offers residents a lifestyle defined by walkability, historic charm, and community engagement. The neighborhood is home to Saint Mary’s Park, just across the street, and is known for its tree-lined streets, pocket parks, and engaged neighborhood association. The Seton Hill Association hosts regular events like yoga in the park, community garden gatherings, and monthly clean-ups, and is leading a new Neighborhood Master Plan to guide future investment. Learn more at the Seton Hill Community Association website. The location offers unmatched access to major institutions. It’s a 15-minute walk to the University of Maryland Medical Center, which provides no on-campus housing, and 10 minutes to the Peabody Institute, ensuring reliable rental demand from students, staff, and professionals. A 95 Walk Score and 100 Transit Score make daily life convenient and keep units consistently filled. Each of the three one-bedroom apartments offers a functional layout with individual gas and electric meters, in-unit laundry, and a mix of hardwood, vinyl plank, carpet, and tile flooring. Kitchens include 30” gas ranges, dishwashers, garbage disposals, and a variety of granite, laminate, or European-style counters and cabinets, with one kitchen recently updated. Unit 1 has access to a private brick patio, while Units 2 and 3 each feature rear wood decks. Two of the three apartments are Limited Lead-Free, reducing landlord risk, paperwork, and turnover costs. For investors, this property combines location, stability, and upside. Strong rental demand from nearby institutions provides reliable cash flow, while the landlord’s current payment of water and public service electric creates a straightforward opportunity to bill back utilities and increase returns. With a prime location in an actively improving neighborhood, this three-unit property offers both immediate income and long-term value growth. Investment Summary: $425,000 $141,667 Per Unit $224 Per Sq. Ft. 11.0 Times Actual Rents (GRM) 9.0 Times Market Rents (GRM) 7.84% Cap Rate 7.2% Projected Cash-on-Cash Return

645 N Paca St, Baltimore

Listing courtesy of Ben Frederick Realty, Inc.. Contact:

Selling Office: Long & Foster Real Estate, Inc..

$305,000

Stunning Rowhome Overlooking St. Mary’s Park with Private Parking & Quiet Patio. Welcome to this beautiful, light-filled rowhome offering exceptional views of St. Mary’s Park and a thoughtfully designed open layout. One will find that the main level, where the spacious living and dining areas seamlessly connect—is perfect for both everyday living and entertaining. The kitchen is a standout feature, complete with a center island, breakfast bar, generous cabinetry, and direct access to a private rear patio—ideal for relaxing or hosting guests. Private parking for one car is just beyond the patio! Upstairs, you will find two luxurious primary suites, each featuring en-suite full baths and dual closets for ample storage. Convenient upper-level laundry adds to the home’s modern functionality. Exterior Highlights: Private patio for outdoor enjoyment Dedicated parking Sidewalk-lined streets with charming streetlights Scenic park views Prime Location & Community Amenities: Enjoy easy access to some of Baltimore’s most iconic destinations, including the National Aquarium, Oriole Park at Camden Yards, and M&T Bank Stadium. Explore vibrant entertainment, shopping, and dining at Inner Harbor or savor local cuisine at Woodberry Kitchen. For performing arts lovers, Center Stage offers world-class productions. Commuter Convenience: Close to major routes including I-95, I-83, and I-695, making travel throughout the region seamless.

2 Beds ⋅ 3 Baths

Stunning Rowhome Overlooking St. Mary’s Park with Private Parking & Quiet Patio. Welcome to this beautiful, light-filled rowhome offering exceptional views of St. Mary’s Park and a thoughtfully designed open layout. One will find that the main level, where the spacious living and dining areas seamlessly connect—is perfect for both everyday living and entertaining. The kitchen is a standout feature, complete with a center island, breakfast bar, generous cabinetry, and direct access to a private rear patio—ideal for relaxing or hosting guests. Private parking for one car is just beyond the patio! Upstairs, you will find two luxurious primary suites, each featuring en-suite full baths and dual closets for ample storage. Convenient upper-level laundry adds to the home’s modern functionality. Exterior Highlights: Private patio for outdoor enjoyment Dedicated parking Sidewalk-lined streets with charming streetlights Scenic park views Prime Location & Community Amenities: Enjoy easy access to some of Baltimore’s most iconic destinations, including the National Aquarium, Oriole Park at Camden Yards, and M&T Bank Stadium. Explore vibrant entertainment, shopping, and dining at Inner Harbor or savor local cuisine at Woodberry Kitchen. For performing arts lovers, Center Stage offers world-class productions. Commuter Convenience: Close to major routes including I-95, I-83, and I-695, making travel throughout the region seamless.

512 Saint Mary St, Baltimore

Listing courtesy of Keller Williams Realty Centre. Contact:

Selling Office: Long & Foster Real Estate, Inc..

$92,000

Welcome to the historic district of Seton Hill a hidden gem. 3 story townhome with 2 bedrooms and 1 full bath home with unfinished basement - laundry and half bath. This house holds the character of Baltimore City with exposed brick walls and wood beams and hardwood floors throughout. St. Mary's Park is located across the street. Surrounded by museums, parks and major employers, this property will be coveted by homeowners for sweat equity or add it to your rental portfolio.

3 Beds ⋅ 2 Baths

Welcome to the historic district of Seton Hill a hidden gem. 3 story townhome with 2 bedrooms and 1 full bath home with unfinished basement - laundry and half bath. This house holds the character of Baltimore City with exposed brick walls and wood beams and hardwood floors throughout. St. Mary's Park is located across the street. Surrounded by museums, parks and major employers, this property will be coveted by homeowners for sweat equity or add it to your rental portfolio.

703 Tessier St, Baltimore

Listing courtesy of Corner House Realty. Contact:

Selling Office: Berkshire Hathaway HomeServices PenFed Realty.

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