OFF_MARKETRisky Deal11 days on market

10214 Ruffian Ln

10214 Ruffian Ln, Berlin, MD 21811, Berlin, MD 21811
$850,000
Zestimate®:$809,900

Listing Price

Property image 1
10214 Ruffian Ln, Berlin, MD 21811
Loc: Berlin, MD
Days Listed
11
Tax Assessed
$555k
Zestimate®
$810k
Market Rate
Lot Size
10,312 sqft
Rent Estimate
$4,106/mo
Est. Cash Flow base
Type
single family

More Than Just a Property

We believe a home extends beyond its walls. That's why we help you explore the pulse of the community—from top-rated schools to essential emergency services. Your safety, well-being, and connection to the neighborhood matter to us.

4.9
Safety Score
A+
Schools

Nearby Schools

Educational options and performance ratings in the area.

10

Ocean City Elementary School

PK-4
2.6 mi away
10

Stephen Decatur Middle School

7-8
2 mi away
7

Stephen Decatur High School

9-12
1.9 mi away

Property Overview

A stunning investment opportunity in a prime location. This property features modern amenities, spacious living areas, and strong rental potential.

Features & Amenities

Open Floor PlanHardwood FloorsModern KitchenStainless Steel AppliancesCentral Heat/AirLarge BackyardParkingNear Transit

Haven AI Verdict

Recommendation
Pending...
Confidence Score: 0/10
Exercise caution due to potential market volatility.
Cap Rate
3.40%
Total ROI
32.8%
Cash Flow
$-2,001/mo
DSCR
0.55
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Data provided by Haven AI. Disclaimer

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10-Year Price Projection

Price & Tax History

Price History

DateEventPricePrice/sqft
2026-05-21Sold$810,000$216
2026-04-11Contingent$850,000$226
2026-03-28Listed for sale$850,000$226
2018-09-05Sold$420,000$112
2018-06-25Listed for sale$439,900$117
2018-05-12Listing removed$439,900$117
2018-04-27Pending sale$439,900$117
2018-04-18Listed for sale$439,900$117
2014-10-29Listing removed$415,000$111
2014-09-27Price change$415,000$111
2014-08-21Price change$434,999$116
2014-07-16Price change$449,900$120
2014-05-03Price change$459,900$123
2014-02-23Price change$469,900$125
2013-09-26Listed for sale$495,000$132
2013-04-12Sold$432,000$115
2005-01-07Sold$579,440$154

Tax History

YearProperty TaxTax Assessment
2025$4,587.73$494,900
2024$4,157.21$434,400
2023$4,089.58$427,333
2022$4,021.96$434,400
2021$3,954.32$413,200
2020$3,872.34$404,633
2019$3,790.36$413,200
2018$3,669.63$387,500
2017$3,669.63$387,500
2016$3,713.47$387,500
2015$3,713.47$396,900
2014$3,713.47$396,900
2013$0$396,900
2012$0$461,300
2011$0$461,300
2010$0$461,300
2009$0$701,820
2008$0$629,490
2007$0$557,160
2006$0$484,830
2005$0$484,830
2004$0$47,000
Nathaniel Pitchon-Getzels Logo
Getzels Group
Haven Team
CalRE #01884947
Call / Text
818.535.5337

Property Specs

Beds
4
Baths
4
Sq Ft
3,753
Institutional Underwriting Ledger

Investment Numbers & Operating Model

Standardized cash flow underwriting modeled with state tax schedules, regional insurance hazard risk, and disciplined operating reserves.

Data Sources:MLS List Price: $850,000Rent Basis: Observed Comp Model ($4,106/mo)State Tax Benchmark: 1.09% (MD)Hazard Reserve: $248/mo
Haven ScoreRisky
0/ 10

Multi-factor yield grade

Cap Rate (Unleveraged)
3.40%

NOI: $28,910/yr

Cash-on-Cash Yield
-12.3%

On $195,500 invested

DSCR Ratio
0.55x

Negative debt coverage

5-Yr Leveraged ROI
+32.8%

Equity + cumulative cash

Financing Scenario Controls
Adjust down payment & rates to model your personalized return

Monthly Cash Flow Breakdown

Monthly Operating Deductions
Property Taxes (1.09% of basis)-$504/mo
Homeowner / Hazard Insurance-$248/mo
Vacancy Reserve (5% of rent)-$205/mo
Repairs & Maintenance (10% of rent)-$411/mo
Property Management (8% of rent)-$328/mo
Total Pure Operating Expenses-$1,697/mo
Net Investor Cash Flow
Gross Scheduled Rent+$4,106/mo
Less: Operating Expenses-$1,697/mo
Net Operating Income (NOI)+$2,409/mo
Less: Debt Service (30yr @ 6.75%)-$4,410/mo
Net Cash Flow
$-2,001/mo
$-24,016/year
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