20 Moscow Rd · West Stockbridge, MA 01266

$349,900

3 bd · 1.5 ba · 1,677 sqft · SingleFamily public records · 7 Days on market

Built 1880 0.66 ac lot $209/sqft · 25% below area Est $466k · 25% under

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Why this score? — see what drove the C+ grade

The composite is a weighted blend of 9 inputs, each scored 0–100. Each bar is that input's sub-score; the figure is the points it added to the 100-point composite (weight × sub-score).

• Cash flow +17.8/30.0
• ARV discount +15.0/15.0
• Appreciation +6.4/10.0
• DSCR +5.6/10.0
• 1% rule +4.3/10.0
• Schools +3.6/10.0
• Rent growth +2.5/5.0
• Livability +2.5/5.0
• Condition / age +2.5/5.0

Listing remarks MLS

Short walk to quaint downtown West Stockbridge featuring local coffee shop, variety store, restaurants and shops. Just a few minutes to local theatres, music venues, Tanglewood, historic Stockbridge, and the Mass Pike. Beautiful open yard great for summer entertaining including cookouts, yard games or just relaxing and reading a book! Cozy fireplace for those beautiful snowy New England nights. Updated and serviced Buderas boiler has 6 heating zones including under floor heating in bathroom and kitchen. Secondary electric water heater. Propance for the fireplace. Two decks. Garden/storage shed.

Key facts

• Spacious yard
• Generous lot
• 0.66 acre lot

Tags

• GENEROUS LOT
• SPACIOUS YARD
• ABUNDANT NATURAL LIGHT
• COMFORTABLE LIVING SPACES
• PEACEFUL SURROUNDINGS

What this means for you Summary

Snapshot

• This is a 3-bed/1.5-bath single-family listed at $350k.

Deal economics

• At list price, monthly cash flow is $288 ($3k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $325k (7.1% below list).
• Recommended offer: $325k (7.1% below list) — sets the bar for 1% rule.

Location & tenants

• Location reads: area grade C — affects rentability + tenant quality, not the cash-flow math above.
• Berkshire Hills (rural): math 33% / reading 49% proficiency, ranked #197 of 302 in MA (top 65%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: 31 active listings in the ZIP; 1 comparable units currently listed for rent nearby; 130 units permitted in Berkshire County in 2024 (10 in 5+ unit buildings).

Forward outlook

• In year one you build about $12k of equity ($2k loan paydown + $9k appreciation (2.7% local appreciation)).
• Berkshire County population projected at -24% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.
• At projected returns (2.7% appreciation + 3.0% rent growth), your $98k cash investment doubles in ~6 years — after that, you're playing with house money.
• By year 4, paydown + projected appreciation supports a ~$40k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• Only 7 days on market — expect competitive offers; lowballing is unlikely to land.
• 5 sale attempts since 19y ago; this cycle's ask has dropped $49k (12%) from the opening price — seller is motivated, your offer sets the floor, not the list.
• Current owner paid $300k; 17% above their basis — modest negotiation headroom, anchor on the comps not their cost.

Risks & watch-outs

• Watch-outs: built in 1880 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $325,000 (7.1% below list)

Questions for the listing agent

1. Built in 1880 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
2. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
3. What's the average days-on-market for RENTAL listings here right now (not sales)? A rising rental-DOM trend means longer vacancies and softer asking-rent achievability than the comps imply.
4. What's the recent tenant-quality profile in this submarket — average credit score on applications, eviction rate, late-payment / NSF rate, and stable-employment percentage? A property-management company in the area should have these aggregated.
5. How much new for-sale + rental construction is in the pipeline within 1–3 miles? Heavy new supply typically softens prices + rents 12–24 months out; constrained supply supports both.

Investment metrics

• 1% rule: 0.93% ✗
• Cap rate: 7.28%
• Cash-on-cash: 3.53%
• DSCR: 1.16
• GRM: 9.0

CMA / ARV

• ARV (median comp): $465,589
• List price: $349,900
• Delta: -21.07%
• Verdict: UNDERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 9 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
20 Moscow Rd	0.00mi	3/1.5	1,677 (0%)	22mo	$300,000	$179	82
30 Moscow Rd	0.11mi	2/1.5 (-1)	1,552 (-8%)	1mo	$290,000	$187	77
7 Stockbridge Rd	0.44mi	3/2.0	1,772 (+6%)	1mo	$660,000	$372	67
3 & 5 Swamp Rd	0.41mi	2/1.0 (-1)	1,688 (+1%)	7mo	$535,000	$317	66
17 Stockbridge Rd	0.49mi	3/1.5	1,600 (-5%)	11mo	$465,000	$291	60
16 Swamp Rd	0.51mi	3/2.0	1,842 (+10%)	1mo	$500,000	$271	57
20 State Line Rd	0.35mi	2/2.5 (-1)	1,596 (-5%)	18mo	$559,000	$350	52
27 Swamp Rd	0.58mi	3/1.0	1,452 (-13%)	18mo	$375,000	$258	33
34 Swamp Rd	0.67mi	3/2.5	1,855 (+11%)	20mo	$485,000	$261	31

Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.

Projected returns pro-forma

2.71% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 10.0%
• Equity multiple: 1.56×
• Total profit: $55,056
• Equity at exit: $151,597

10-year hold

• IRR: 12.5%
• Equity multiple: 2.81×
• Total profit: $177,087
• Equity at exit: $229,267

Cash invested: $97,972 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

• Overall (STATE): 20 Strongly Tenant-Friendly
• State Massachusetts: 20 Strongly Tenant-Friendly · D+15
• County: — inherits STATE
• City: — inherits STATE

Cambridge / Boston historically rent-controlled (preempted 1994 but consideration ongoing); strong tenant protections; court backlogs.

Methodology + full state rankings →

ZIP-level market 01266

• Home prices YoY: 0.8%
• Active inventory: 31
• Price-to-rent: 9.0×

Monthly cashflow live

• Estimated rent: $3,250 medium
• Mortgage (P&I): −$1,835
• Tax from tax record: −$299 /mo · $3,588/yr
• Insurance: −$146
• HOA: −$0
• Vacancy / Maint / Mgmt: −$682
• Net cashflow: $288

Break-even live

Break-even rent $2,886

Max offer price $349,900

Occupancy floor 86%

UW: 25.0% down · 7.5% · 30yr · 1.5% tax · 5.0% vac · 8.0% maint · 8.0% mgmt

Financing live

Cash to close

• Down payment: $87,475
• Closing costs: $10,497
• Reserves months: —
• Total cash needed: —

Rent comps 1 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
4 Main St Unit N/A West Stockbridge, MA	2.0	2.0	2000	$3,250	$1.62	43d	1	0.35mi

Listing history 23 events

1. 2026-06-18
   days on market $349,900 Active 7 DOM
2. 2026-06-17
   days on market $349,900 Active 6 DOM
3. 2026-06-16
   days on market $349,900 Active 5 DOM
4. 2026-06-15
   statusdays on market $349,900 Active 4 DOM
5. 2026-06-13
   days on market $349,900 New 2 DOM
6. 2026-06-12
   remarks 693-char remark
7. 2026-06-12
   pricestatusdays on marketlisting id $349,900 New 1 DOM
8. 2026-05-31
   days on market $367,500 Active 181 DOM
9. 2026-05-31
   days on market $367,500 Active 180 DOM
10. 2026-05-05
    price $367,500 608-char remark

    Show marketing remark (608 chars)

    Short walk to quaint downtown West Stockbridge featuring local coffee shop, variety store, restaurants and shops. Just a few minutes to local theatres, music venues, Tanglewood, historic Stockbridge, and the Mass Pike. Beautiful open yard great for summer entertaining including cookouts, yard games or just relaxing and reading a book! Cozy fireplace for those beautiful snowy New England nights. Updated and serviced Buderas boiler has 6 heating zones including under floor heating in bathroom and kitchen. Secondary electric water heater. Propance for the fireplace. Two decks. Garden/storage shed.

11. 2026-01-01
    price $384,000 608-char remark

    Show marketing remark (608 chars)

    Short walk to quaint downtown West Stockbridge featuring local coffee shop, variety store, restaurants and shops. Just a few minutes to local theatres, music venues, Tanglewood, historic Stockbridge, and the Mass Pike. Beautiful open yard great for summer entertaining including cookouts, yard games or just relaxing and reading a book! Cozy fireplace for those beautiful snowy New England nights. Updated and serviced Buderas boiler has 6 heating zones including under floor heating in bathroom and kitchen. Secondary electric water heater. Propance for the fireplace. Two decks. Garden/storage shed.

12. 2025-12-01
    listed $399,000 Active 608-char remark

    Show marketing remark (608 chars)

    Short walk to quaint downtown West Stockbridge featuring local coffee shop, variety store, restaurants and shops. Just a few minutes to local theatres, music venues, Tanglewood, historic Stockbridge, and the Mass Pike. Beautiful open yard great for summer entertaining including cookouts, yard games or just relaxing and reading a book! Cozy fireplace for those beautiful snowy New England nights. Updated and serviced Buderas boiler has 6 heating zones including under floor heating in bathroom and kitchen. Secondary electric water heater. Propance for the fireplace. Two decks. Garden/storage shed.

13. 2024-08-30
    soldstatus $300,000 Closed 1499-char remark

    Show marketing remark (1499 chars)

    Nestled in the picturesque town of West Stockbridge, 20 Moscow Road offers a serene and charming retreat in the heart of the Berkshires. This property is known for its tranquil setting, surrounded by lush greenery and natural beauty, providing a perfect escape from the hustle and bustle of city life. This three bedroom property features a classic New England-style home, complete with a welcoming front porch. The spacious yard offers ample space for outdoor activities and relaxation, with mature trees providing shade. There is a warm and inviting interior with a blend of traditional charm and modern amenities. The home boasts hardwood floors, enhancing the cozy and rustic feel. The living room is the perfect place to unwind with family and friends, offering comfortable seating and a welcom ing atmosphere. The kitchen is equipped with modern appliances and ample space giving you ample space for a table. Both the full bathroom and half bath are tastefully designed, combining comfort and style. They are equipped with modern fixtures. One of the highlights of 20 Moscow Road is its outdoor space. The town itself is known for its quaint charm and vibrant community, offering a perfect blend of rural tranquility and modern convenience. The property also offers easy access to the center of West Stockbridge, Tanglewood which is just a short drive away, nearby trails and outdoor recreational activities, making it ideal for nature enthusiasts. Note the home does back up to the Mass Pike.

14. 2024-08-27
    status Pending 1499-char remark

    Show marketing remark (1499 chars)

    Nestled in the picturesque town of West Stockbridge, 20 Moscow Road offers a serene and charming retreat in the heart of the Berkshires. This property is known for its tranquil setting, surrounded by lush greenery and natural beauty, providing a perfect escape from the hustle and bustle of city life. This three bedroom property features a classic New England-style home, complete with a welcoming front porch. The spacious yard offers ample space for outdoor activities and relaxation, with mature trees providing shade. There is a warm and inviting interior with a blend of traditional charm and modern amenities. The home boasts hardwood floors, enhancing the cozy and rustic feel. The living room is the perfect place to unwind with family and friends, offering comfortable seating and a welcom ing atmosphere. The kitchen is equipped with modern appliances and ample space giving you ample space for a table. Both the full bathroom and half bath are tastefully designed, combining comfort and style. They are equipped with modern fixtures. One of the highlights of 20 Moscow Road is its outdoor space. The town itself is known for its quaint charm and vibrant community, offering a perfect blend of rural tranquility and modern convenience. The property also offers easy access to the center of West Stockbridge, Tanglewood which is just a short drive away, nearby trails and outdoor recreational activities, making it ideal for nature enthusiasts. Note the home does back up to the Mass Pike.

15. 2024-07-12
    listed $315,000 Active 1499-char remark

    Show marketing remark (1499 chars)

    Nestled in the picturesque town of West Stockbridge, 20 Moscow Road offers a serene and charming retreat in the heart of the Berkshires. This property is known for its tranquil setting, surrounded by lush greenery and natural beauty, providing a perfect escape from the hustle and bustle of city life. This three bedroom property features a classic New England-style home, complete with a welcoming front porch. The spacious yard offers ample space for outdoor activities and relaxation, with mature trees providing shade. There is a warm and inviting interior with a blend of traditional charm and modern amenities. The home boasts hardwood floors, enhancing the cozy and rustic feel. The living room is the perfect place to unwind with family and friends, offering comfortable seating and a welcom ing atmosphere. The kitchen is equipped with modern appliances and ample space giving you ample space for a table. Both the full bathroom and half bath are tastefully designed, combining comfort and style. They are equipped with modern fixtures. One of the highlights of 20 Moscow Road is its outdoor space. The town itself is known for its quaint charm and vibrant community, offering a perfect blend of rural tranquility and modern convenience. The property also offers easy access to the center of West Stockbridge, Tanglewood which is just a short drive away, nearby trails and outdoor recreational activities, making it ideal for nature enthusiasts. Note the home does back up to the Mass Pike.

16. 2024-06-16
    historical
17. 2024-01-08
    price $324,500
18. 2023-11-16
    listed $335,000 Active
19. 2010-10-14
    historical
20. 2010-04-14
    listed $199,000
21. 2008-09-18
    historical
22. 2007-09-18
    listed $255,000
23. 1980-03-26
    soldstatus $12,500

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

Tax reassessment forecast MA · Partial reset (capped growth)

• Current annual tax: $3,588 · $299/mo
• Projected year-2 tax: $3,946 · $329/mo
• Expected delta: +$358/yr (+$30/mo · 10.0%)

ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.

Climate risk First Street

• 🌊 Flood 1/10 Low 0% chance over 30 yrs
• 🔥 Wildfire 1/10 Low
• 🌡 Heat 3/10 Moderate 7 d/yr ≥92°F today · 17 d/yr by 30 yrs out
• 💨 Wind 4/10 Moderate 11% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 1 unhealthy d/yr today · 1 by 30 yrs out

Taxation est. · year 1

• Rental income: $39,000
• − Mortgage interest: −$19,600
• − Property taxes: −$3,588
• − Insurance: −$1,750
• − Repairs & maintenance: −$3,120
• − Management: −$3,120
• − Depreciation: −$10,179
• Taxable loss: −$2,356
• Est. tax savings @ 24.0%: +$565
• After-tax cash flow: $4,019/yr

For passive investors: Depreciation is non-cash, so a rental often shows a tax loss while cash-flowing — sheltering income. Rental losses are passive: they offset passive income freely, and up to $25,000/yr can offset ordinary (W-2) income if you actively participate and your MAGI is under $100k (phasing out to $0 by $150k); unused losses carry forward. On sale, claimed depreciation is recaptured at up to 25%, and gains may owe capital-gains tax (a 1031 exchange can defer both). Figures are a year-1 estimate at your 24.0% rate — not tax advice; consult a CPA.

Schools (NCES district)

• District: Berkshire Hills
• NCES district ID: 2502530
• Math proficiency: 33% ▼ -14.00%
• Reading proficiency: 49% ▼ -5.00%
• Median HH income: $54,413
• Composite: 35.69/100
• National rank: #4868
• State rank: #197 of 302 in MA

Livability — West Stockbridge

No livability data for this city. (Only ~50 U.S. cities are tracked.)

Census & demographics

• Population (ZIP): 919

Population outlook (Berkshire County) Hauer SSP2

• Today (2025): 119,723 people
• By 2030: 114,608 · -4.3%
• By 2040: 102,806 · -14.1%
• By 2050: 91,305 · -23.7%
• By 2075: 71,517 · -40.3%
• By 2100: 57,988 · -51.6%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (92%)
• Race & ethnicity: White 92% Hispanic / Latino 4% Native American 2% Two or more races 2% Asian 1%
• Common ancestry: Lithuanian 8% Scotch-Irish 4% Slovak 4%
• Foreign-born: 8% · Canada, China
• Languages at home: 90% English-only · Spanish 5% French/Haitian/Cajun 1% Other Indo-European 1%

Political lean MEDSL · Berkshire

• 2024 margin: Solid D (+39.9) · D 68.9% · R 29.0% · Other 2.1%
• 2008→2024 swing: -12.5pp toward R · 2008: 52.4pp · 2024: 39.9pp
• All cycles: 2024: D+39.9 2020: D+47.1 2016: D+41.5 2012: D+53.7 2008: D+52.4

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▲ 2.71%
• Current HPI: 324.1646
• Rent YoY: —
• Metro: —
• State GDP YoY: ▲ 2.28%
• F500 in state: 38

Industry mix (Fortune 500 HQ in MA)

Industry	F500 HQs	Revenue
▸Technology	3	$17B
▸Insurance	2	$84B
▸Retail	2	$76B
▸Life Sciences	1	$43B
▸Energy Technology	1	$31B
▸Aerospace / Defense	1	$18B

Price history

+2840.0% since first listed

14 events — show timeline

• 2026-05-05 Price Changed $367,500 BCMLS
• 2026-01-01 Price Changed $384,000 BCMLS
• 2025-12-01 Listed $399,000 BCMLS
• 2024-08-30 Sold (MLS) $300,000 BCMLS
• 2024-08-27 Pending — BCMLS
• 2024-07-12 Listed $315,000 BCMLS
• 2024-06-16 Listing Removed — BCMLS
• 2024-01-08 Price Changed $324,500 BCMLS
• 2023-11-16 Listed $335,000 BCMLS
• 2010-10-14 Listing Removed — BCMLS
• 2010-04-14 Listed $199,000 BCMLS
• 2008-09-18 Listing Removed — BCMLS
• 2007-09-18 Listed $255,000 BCMLS
• 1980-03-26 Sold (Public Records) $12,500 Public Records

Property tax history

+6.5%/yr

Latest (2023): $3,588 · +12.7% YoY. Source: county tax records.