1215 John Street, Baltimore, MD 21217

Property Description

1215 John Street is an extremely well-laid-out two-unit property in Bolton Hill, offering a three-bedroom, two-bath upper apartment and a one-bedroom, one-bath first-floor apartment. The upper unit spans two levels with defined living and dining spaces, a kitchen with granite countertops and wood shaker cabinetry, and a front-facing reading nook overlooking John Street. The first-floor apartment features similar kitchen finishes with exposed brick adding character to the living space. Both units include vinyl plank flooring throughout the living areas and kitchens. Each apartment is separately metered for gas and electric and served by its own HVAC system. Laundry is located in the basement with one washer and dryer set allocated to each unit and tied to the tenant’s electric meter. Recent 2018 improvements include updated electric service, roof, and interior finishes (2018), along with newer water heaters (2025 & 2026). Positioned on a quiet, non-through street in the southeast corner of Bolton Hill, the property offers a Walk Score of 92 and a Transit Score of 95, with easy access to Penn Station, Light Rail, Metro, and the JHU Shuttle. For an owner-occupant, the numbers are compelling. With 20% down, the estimated monthly PITI is approximately $3,473. Rental income from the first-floor apartment at $2,395/month reduces the net housing cost to roughly $1,078/month for the three-bedroom, two-bath upper unit. With low-down payment financing (3.5% down), the estimated monthly payment including PMI is approximately $3,064, with rental income reducing the net cost to about $669/month—well below typical market rents for comparable space in Bolton Hill. The property also meets FHA self-sufficiency requirements, further expanding financing options for owner-occupants. Buyers are encouraged to call for a detailed discussion of financing scenarios and how to best structure the purchase. Opportunities like this—offering space, location, and income potential—are rarely available in Bolton Hill.

Property Features

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