For shopping purposes, treat this as a comfortable 3-bedroom, 1-bath single family home with 1,280 sq ft on a small lot built in 1920. Baltimore, MD behaves like a more competitive submarket — tour early if owner-occupant priority applies.
FHA status UI (uninsurable) usually means the property needs work before standard FHA insurance applies — many buyers route this through FHA 203(k) with a HUD-experienced lender, not a vanilla 203(b) assumption. Selling as-is often means HUD is not budgeting turn-key cosmetics — budget contingency for systems, moisture, and deferred maintenance even on insurable cases. 203(k) eligibility on the listing is a green light to discuss renovation financing — not a guarantee your contractor timeline fits the bid window.
Exclusive or lottery-style periods can narrow who may bid and when — match your agent’s registration to the case rules before you tour. At roughly 7 days on market, this is relatively fresh HUD inventory — competition can spike once photos and PCR circulate.
Example scenario — upgrade for this home's real HUDPRO score, value, and deal breakdown.
Plus or Elite: this listing’s Real Deal™ score & breakdown
Can I Finance It?
FHA Options
Includes 203(k) rehab financing
Check with a HUDPRO mortgage partner for all options
Monthly ownership?
~$57 / mo
P&I from list price — no HOA on listing; add tax, insurance & MIP for full cost. Illustrative 30-yr FHA P&I at ~6.875% with 3.5% down. Not a lender quote.
How Much Work?
$15k – $25k
Moderate repairs estimated
Basic payment estimate
Principal & interest only — illustrative, not a loan offer. Plus or Elite adds HOA, taxes, insurance, MIP, and the full ownership breakdown.
Listing data reflects publicly available HUD program information. Confirm property details, market conditions, and bidding strategy with a HUD-experienced real estate professional familiar with your target area.