636 Umbra Street, Baltimore
technical data · neighborhood and transit
Quick answers
- What is the 2026 conforming loan limit in Baltimore city?
- $832,750 for a single-unit home, per FHFA. Larger loans are jumbo loans.
- Is radon a problem here?
- EPA radon zone 2, moderate potential.
- What natural disasters is 636 Umbra Street at risk for?
- FEMA's National Risk Index rates the area relatively low overall, with elevated heat wave and winter weather risk.
Safety and environment
FEMA natural hazard risk
Relatively Low
Highest for this area: heat wave, winter weather. These drive insurance cost here.
FEMA National Risk Index, census tract
Superfund site
4,450 ft
Kane & Lombard Street Drums (NPL Site). Check groundwater and vapor reports on the EPA site page.
EPA National Priorities List
Leaking fuel tanks
15 within 1,650 ft
Nearest: John Ruhrah Elementary School, 701 S Rappolla St (750 ft), no further action. Every release here is closed by the state regulator.
EPA UST Finder, leaking underground storage tank releases
Brownfield site
800 ft
Bayview Research Center and 1 more within half a mile. Former industrial land in EPA's cleanup and reuse program.
EPA ACRES Brownfields
Toxic release facility
900 ft
Pemco Corp and 13 more within a mile. Reports chemical releases to air, water or land to EPA each year.
EPA Toxics Release Inventory
Radon potential
Moderate
Average indoor levels of 2 to 4 pCi/L. EPA still suggests testing ground-floor and basement units.
EPA and USGS Geologic Radon Potential Map
Wildfire risk
Very Low
Wildfire risk is low enough that standard home insurance usually covers it.
FEMA National Risk Index
Nearest public schools
650 ft
John Ruhrah Elementary/Middle (650 ft), Graceland Park/O'Donnell Heights Elementary/Middle (3,150 ft), Clay Hill Public Charter School (3,800 ft). Confirm the assigned school with the district.
U.S. Department of Education, NCES
Major airport
9.8 mi
Baltimore/Washington (BWI). Aircraft may be audible under approach paths.
FAA large-hub airports
Conforming loan limit 2026
$832,750
Baltimore city. Mortgages up to this amount qualify for Fannie Mae and Freddie Mac pricing. Above it, the loan is a jumbo with stricter terms.
FHFA Conforming Loan Limit Values, one-unit
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More on Umbra Street
All addressesViewing recommendations
What's worth checking in person before deciding.
- Test water pressure and temperature at the tap, in the bathroom and kitchen, for at least a minute.
- This is a house, not an apartment. Check the lot boundaries, car access, and how water drains from the yard after rain, including whether the neighboring lot sits higher and could send water toward the property.
- Check the condition of the fence, yard, and sidewalk out front: who is responsible for upkeep, and whether there are any boundary disputes with neighbors.
- Schedule a viewing in the evening too, on a weekday, to see street traffic, streetlights, and how quiet the neighborhood is after 8 PM.
- Check the roof, gutters, and downspouts for signs of leaks or recent repairs, especially if it has rained recently.
- Check exactly where you'd park: a spot in the yard or garage, or street parking, and how crowded the street gets in the evening.
- Ask what heating system is in place (own boiler, wood, gas) and request the last winter month's bills.
Neighborhood recommendations are derived from public OpenStreetMap data and may be incomplete. Checking in person is still what matters most.