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© 2026 OnePercent · Estimates carry bands, never promises.the line

8658 Cummings Rd, Wittman, MD 21676 — $495,000 · 3bd · ~0.5% rule | OnePercent

8658 Cummings Rd, Wittman, MD 21676

$495,000

Overview Financials Comps Location Analysis Calculator Nearby Risk Neighborhood Market

Home·Wittman 21676·8658 Cummings Rd, Wittman, MD 21676

Confirmed 2 days ago

8658 Cummings Rd, Wittman, MD 21676

3 bd · 2 ba · 1,664 sqft · built 2002 · Wittman · SINGLE_FAMILY·source listing ↗

$495,000

rent, three ways

OnePercent model (vv1)$2,670/mo

p10–p90 confidence band

HUD Fair Market Rent · 21676 · 3BR$1,960/mo

Area comps median (last 90d)—

FMR from HUD SAFMR FY2026. Never a naked estimate.

the locale

County

Talbot

Flood risk indexVery Low FEMA NRI

Median household income—

Median area rent—

Median home value$643,500

the verdict

0.54%vs 1.0% target

wide confidence band

Modeled rent: $2,670/morent estimate
Property tax: —listing
Insurance: $1,548/yrstate avg
HOA: Nonelisting

Cap rate: 3.5%
Cash flow: $1,042/mo
Cash-on-cash: -11.0%

financing: 20% down · — (FRED, live) · 30yr

$495,000

0.54% · rent $2,670

Intrinsic value · income approach

$1,464,577

66% below intrinsic value

Value = net operating income ÷ market cap rate. Not investment advice.

Ten-year owner return

Equity multiple, per-year cash flow, and appreciation modeling are a Pro feature.

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