Red Flags to Watch Out for When Buying a Home in Baltimore, Washington, D.C., & Annapolis

Buying a home in Baltimore, D.C., or Annapolis can be an exciting step, but it’s important to look beyond the surface and spot potential red flags before making an offer. Some issues can impact not only your day-to-day living experience but also your ability to get insurance and your home’s resale value down the road.

1. Foundation Issues

Baltimore and D.C. both have many older rowhomes and single-family homes, which can be prone to settling and structural movement. In Annapolis, older Colonial and waterfront homes may also show signs of shifting foundations. Watch for cracks in basement walls, sloping floors, or doors and windows that don’t close properly. Foundation repairs can be costly and may make it harder to sell later unless they’re properly addressed. Insurers may also require documentation that the foundation has been stabilized.

2. Flooding and Drainage Concerns

Flooding is a key concern in all three markets. Low-lying Baltimore neighborhoods like Fells Point, Locust Point, and Canton, as well as parts of D.C.’s Southwest Waterfront, face flood risks. Annapolis, with its historic waterfront and proximity to the Chesapeake Bay, frequently experiences tidal flooding. Always check FEMA flood maps and ask the seller for a history of water intrusion. Homes in flood zones often require separate flood insurance, which can add significantly to monthly housing costs and affect resale appeal.

3. Outdated Electrical or Plumbing Systems

It’s not uncommon to find homes in Baltimore and D.C. with knob-and-tube wiring, outdated fuse panels, or galvanized plumbing. In Annapolis, many historic homes come with outdated systems that may not meet current safety codes. These issues may increase homeowners’ insurance premiums or cause lenders to require updates before closing.

4. Roof and Water Damage

Flat roofs are common in rowhomes across Baltimore and D.C., while many Annapolis homes have older shingle or cedar shake roofs that require regular upkeep. Look for water stains on ceilings, bubbling paint, or evidence of leaks. Roof issues not only lead to higher repair bills but also raise concerns for insurers. A newer or well-maintained roof, on the other hand, can be a strong selling point in any of these markets.

5. Permits and Unpermitted Work

Renovations are common in all three cities, but not all are done with proper permits. Be cautious of finished basements, additions, or major remodels that lack documentation. In Annapolis, homes in historic districts often require special approvals for exterior changes, and unpermitted work can create major complications. Unapproved improvements can affect resale value, liability, and insurability.

Final Thoughts

Spotting these red flags early can save you from major headaches later. A qualified home inspector is your best ally in identifying issues, and working with a knowledgeable local REALTOR® ensures you understand how these concerns impact insurance and resale value. Whether you’re considering Baltimore, D.C., or Annapolis, having the right guidance helps you buy with confidence.