Score
0Middletown, MD
8501 Rosebud Ct
589K
3 beds
3 baths
2,346 sqft
3 bd • 3 ba • 2,346 sf
This analysis was generated on 2/9/2025. It is for entertainment purposes only and should not be considered as real estate or investment advice.
AI Property Analysis
0:000:00 / 0:00
List Price
$589,000
Price/Sq.Ft
$251
Year Built
1978
AI Property Analysis
A comprehensive evaluation of this property's features, market position, and investment potential.
The Good
• Premium Location Value: Located in Middletown's highly-rated school district (8-9/10 ratings), with Middletown High School just 1.8 miles away. Properties in top school districts typically command 5-10% premium over similar homes in average districts.
• Lot Size Premium: 1+ acre lot significantly exceeds the Middletown average of 0.25-0.5 acres, offering superior privacy and future expansion potential. Large lots in Middletown typically appreciate 1.5x faster than standard lots.
• Strong Price/sqft Value: At $251.07/sqft, the property is priced competitively compared to Middletown's average of $265-285/sqft for similar homes, suggesting room for appreciation.
• Recent Upgrades: New roof, gutters, flooring, and updated lighting enhance value and reduce immediate maintenance needs. The new roof alone ($15,000-20,000 value) provides 20-25 years of protection.
• Versatile Space: Three finished levels totaling 2,346 sqft, including a home office in the garage, positions the property well for hybrid work trends. Home office spaces typically add 3-5% to property values in current market conditions.
• Minimal Flood Risk (1/10): Significantly below area averages, reducing insurance costs and future mitigation expenses. FEMA Zone X_UNSHADED designation typically saves $400-600 annually on insurance premiums.
The Bad
• Age-Related Considerations: Built in 1978, the property is 46 years old, potentially requiring updates to major systems. HVAC systems (15-20 years lifespan) and water heaters (8-12 years) may need replacement soon.
• Dual Heating System (Heat Pump + Oil): While offering redundancy, maintaining two systems increases annual maintenance costs by approximately $300-400 compared to single-system homes.
• Days on Market (77): Exceeds Middletown's average of 45-60 days, suggesting potential pricing or marketing challenges. Properties over 60 DOM typically sell for 2-3% below initial asking price.
• Price History Volatility: 84.3% increase since 2011 ($325,000 to $599,000) exceeds market averages, raising questions about sustainable valuation.
• Limited Kitchen Updates: Corian countertops, while functional, may not meet luxury buyer expectations. Granite or quartz upgrades could cost $4,000-6,000.
• Higher Insurance Costs: Annual estimate of $2,120.40 exceeds the Middletown average of $1,800-1,900 for similar properties, likely due to the property's size and multiple heating systems.
The Ugly
• Major Heat Risk (5/10): With 6 hot days/year and 98th percentile temperatures reaching 103°F, cooling costs could spike during summer months. The heat pump's efficiency decreases at extreme temperatures, potentially leading to $200-300 higher monthly utility bills during peak seasons.
• Dual Energy Dependency: Reliance on both electric and oil heating systems exposes owners to price volatility in both markets. Oil prices in Maryland have fluctuated by 30-40% annually, impacting winter heating costs significantly.
• Potential Foundation Issues: Three-level homes from the 1970s in this area often experience settlement issues, particularly with finished basements. Foundation repairs typically range from $5,000-15,000.
• Mature Landscaping Liability: While beautiful, dozens of mature trees increase maintenance costs ($1,500-2,000 annually) and pose risks during storms, particularly with the area's Moderate (3/10) wind risk rating.
• Future HVAC Replacement Costs: Given the age and dual system setup, complete HVAC modernization could cost $15,000-20,000, significantly above average due to the multiple systems and home size.
Who is this property for?
These details are presented solely for entertainment purposes and are not meant to steer or limit any prospective buyer.
Best For
• Remote Workers: The dedicated home office, three finished levels, and fast internet infrastructure support work-from-home requirements. The 1+ acre lot provides buffer from neighbor noise during video calls.
• Growing Families: Proximity to highly-rated schools (all 8-9/10), 2,346 sqft of living space, and three bedrooms support family living. The basement rec room offers additional entertainment space.
• Nature Enthusiasts: The acre+ lot with mature landscaping and private patio provides outdoor living space. The property's location offers quick access to regional parks and hiking trails.
• Energy-Conscious Buyers: The dual heating system allows for cost optimization between oil and electric depending on market prices, while the heat pump provides efficient cooling in moderate temperatures.
Not For
• Low-Maintenance Seekers: The large lot, mature trees, and multiple HVAC systems require consistent maintenance and higher upkeep costs.
• Budget-Conscious Buyers: With higher-than-average insurance costs ($2,120/year) and dual system maintenance requirements, monthly carrying costs exceed market averages.
• Immediate Move-In Buyers: While livable, several systems may need updates soon, and the kitchen could benefit from modernization.
• Single-Level Living Seekers: The three-level layout may not suit those preferring ranch-style homes or seeking aging-in-place features.
Demographics
Area Median Income
$130,802
Property History
Price History
Ownership Timeline
$0Cash Purchase
Dec 17, 2015Katrina L White, Katrina RobertsonKatrina L White
Intrafamily Transfer
Non-Arm's Length Transactions
$0Cash Purchase
Aug 22, 2012William Robertson, Katrina RobertsonKatrina Robertson
Intrafamily Transfer
Non-Arm's Length Transactions
$349,900Cash Purchase
Jan 1, 1970Maynard L Kline, Sheila M KlineWilliam Robertson, Katrina Robertson
Deed
Standard Sale (Purchase/Resales)
Property Taxes
$4,624
2024 Tax Assessment
16.9%from previous year
Assessed Value$378,367
Tax Rate1.22%
Sunlight Analysis
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Sunlight Analysis
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Schools
Nearby school quality by education level
Middle
9.0/10
ExcellentHigh
8.0/10
ExcellentFinancials
Monthly Costs
Market Rent (3 bed)
Get a detailed estimate on Zillow$1,589
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