109 Westphal St · West Hartford, CT 06110

$269,900

2 bd · 1.0 ba · 832 sqft · SingleFamily public records · 4 Days on market

Built 1951 9,147 sqft lot $324/sqft · 10% below area Est $301k · 10% under

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Why this score? — see what drove the D 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).

• ARV discount +12.2/15.0
• Cash flow +10.3/30.0
• Schools +5.6/10.0
• Livability +4.0/5.0
• 1% rule +3.6/10.0
• DSCR +2.9/10.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

PREPARE TO BE SURPRISED WITH THIS STYLISHLY REMODELED RANCH . JUST MOVE IN AND ENJOY THIS NATURALLY BRIGHT HOME WITH FANTASTIC FLOW. CONSISTENT PAINT PALETTE AND PRODUCTS ALLOW FOR A COHESIVE FEEL . THIS HOME OFFERS FRESHLY REFINISHED AND STAINED HARDWOOD FLOORS THROUGHOUT, COMPLETELY REMODELED KITCHEN WITH QUARTZ COUNTERTOPS, SHIPLAP CUSTOM BUILT SHELVING COMPLETELY REMODELED NEW HALF BATH FULL BATH. GAS HEAT, THE CRAFTSMANSHIP AND DETAILED FINISHES DEFINE SIMPLE SOPHISTICATION. BE SMART....OWNING THIS PROPERTY IS CHEAPER THAN RENTING.

Key facts

• 9,147 sq ft lot
• Garage
• Built 1951

Property features AI

Exterior

• Parking: Attached garage (1-car)
• Utilities: Public water connected; Public sewer connected; Domestic hot water; Natural gas supply
• Home design: Single-family home
• Construction: Frame construction; Concrete foundation
• Exterior features: Cleared lot; Aluminum siding; Asphalt shingle roof

Interior

• Kitchen: Oven/Range; Range hood; Refrigerator; Dishwasher
• Bedrooms: 2 bedrooms
• Bathrooms: 1 full bathroom
• Heating & cooling: Hot water heating (natural gas); Window air conditioning unit
• Interior features: Full basement; Attic with floored, walk-up access; One fireplace; Total of 4 rooms
• Laundry & utility: Washer and dryer included; Laundry room on lower level

What this means for you Summary

Snapshot

• This is a 2-bed/1.0-bath single-family listed at $270k.

Deal economics

• At list price, monthly cash flow is $-149 ($-2k/yr) — negative.
• To cash-flow at today's rent, offer at most $244k (9.8% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $232k (14.2% below list).
• Recommended offer: $232k (14.2% below list) — sets the bar for 1% rule.
• Cap rate 5.6% vs local median 3.3% in West Hartford — top-decile yield for the area; either an underpriced asset or a hidden risk that comps aren't pricing in. Stress-test before assuming the spread holds.

Location & tenants

• Location reads 79/100 on livability (#27 in CT, #1,989 nationally) — a middle-class / working-renter tenant base. Strengths: employment A+, housing A+, crime B+; Watch: amenities F, cost of living F.
• West Hartford School District (urban): math 56% / reading 67% proficiency, ranked #39 of 153 in CT (top 26%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease; only 16% free/reduced lunch — higher-income household profile.
• Zoned schools: Charter Oak International Academy (math 42% / reading 50%, grade D-, #269 of 553 statewide, top 49%, 512 students, 47% FRL); Sedgwick Middle School (math 44% / reading 59%, grade C, #77 of 175 statewide, top 44%, 866 students, 28% FRL); Conard High School (math 59% / reading 79%, grade B, #22 of 194 statewide, top 11%, 1,418 students, 29% FRL) — zoned schools average 35% FRL vs 16% district-wide (19 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Market conditions: 34 active listings in the ZIP; 38 comparable units currently listed for rent nearby; rentals lingering (median 46d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 53% of comp listings sitting > 30 days — soft ceiling on asking rent; solid renter incomes; 1,867 units permitted in Capitol Planning Region in 2024 (1,399 in 5+ unit buildings).
• This rent runs 32% of the median local income ($88k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $2k of loan paydown is wiped out by about $8k of value loss. Plan a longer hold.

Negotiation context

• Only 4 days on market — expect competitive offers; lowballing is unlikely to land.
• 5 sale attempts since 9y ago with the ask held roughly flat each time — persistent listings suggest the price (not the market) is what's stuck; bring a comps-based counter.
• Current owner paid $182k; 48% above their basis — modest negotiation headroom, anchor on the comps not their cost.

Risks & watch-outs

• Watch-outs: built in 1951 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: major wind risk, 27% chance of damaging wind over 30y; extreme-heat days projected 7→15/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $231,648 (14.2% below list)

Questions for the listing agent

1. What do current leases actually rent for vs. the listed asking? Can we see a recent rent roll and the last 12 months of T-12 income?
2. Built in 1951 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. Schools are A-rated — typically a magnet for longer-tenancy family renters. What's the average tenant stay here, and is there a school-zone premium baked into asking?
5. The area grade is low — what's the realistic commute time and amenity access for the typical tenant pool here? Any planned neighborhood developments (good or bad) we should know about?
6. 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.
7. 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.
8. 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: 0.86% ✗
• Cap rate: 5.63%
• Cash-on-cash: -2.37%
• DSCR: 0.89
• GRM: 9.7

CMA / ARV

• ARV (median comp): $301,451
• List price: $269,900
• Delta: -10.47%
• Verdict: UNDERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 3 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
285 Price Blvd	0.30mi	2/1.0	864 (+4%)	19mo	$267,000	$309	64
25 Goodsell St	0.31mi	2/1.0	744 (-11%)	18mo	$272,000	$366	52
49 Richard Rd	0.50mi	2/1.0	941 (+13%)	11mo	$240,000	$255	46

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

Projected returns pro-forma

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

5-year hold

• IRR: -20.2%
• Equity multiple: 0.30×
• Total profit: $-53,136
• Equity at exit: $40,243

10-year hold

• IRR: -13.1%
• Equity multiple: 0.23×
• Total profit: $-58,082
• Equity at exit: $23,336

Cash invested: $75,572 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

• Overall (STATE): 27 Tenant-Leaning
• State Connecticut: 27 Tenant-Leaning · D+7
• County: — inherits STATE
• City: — inherits STATE

Strong tenant statutes; rent commissions in some towns; courts slow especially in cities.

Methodology + full state rankings →

ZIP-level market 06110

• Active inventory: 34
• Price-to-rent: 9.7×

Monthly cashflow live

• Estimated rent: $2,316 high
• Mortgage (P&I): −$1,415
• Tax from tax record: −$451 /mo · $5,417/yr
• Insurance: −$112
• HOA: −$0
• Vacancy / Maint / Mgmt: −$486
• Net cashflow: $-149

Break-even live

Break-even rent $2,505

Max offer price $243,536

Occupancy floor —

Sensitivity live

Price	-10% $4	-5% $-73	+0% $-149	+5% $-226	+10% $-302
Rent	-10% $-332	-5% $-241	+0% $-149	+5% $-58	+10% $34
Rate	-1.0pp $-13	-0.5pp $-81	base $-149	+0.5pp $-219	+1.0pp $-290

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: $67,475
• Closing costs: $8,097
• Reserves months: —
• Total cash needed: —

Rent comps 38 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
109 Caya Ave West Hartford, CT	2.0	1.5	1078	$2,600	$2.41	5d	1	0.07mi
43 Caya Ave West Hartford, CT	1.0–2.0	1.0	775	$1,859	$2.40	13d	6	0.14mi
140 Kane St Unit C1 West Hartford, CT	2.0	2.0	1062	$1,900	$1.79	4d	1	0.23mi
90 Kane St Unit A4 West Hartford, CT	1.0	1.0	750	$1,600	$2.13	45d	1	0.25mi
136 Kane St Unit C5 West Hartford, CT	1.0	1.0	750	$1,700	$2.27	17d	1	0.27mi
106 Kane St West Hartford, CT	1.0–2.0	1.0–2.0	966	$2,300	$2.38	4d	18	0.29mi
102 Oakwood Ave West Hartford, CT	1.0	1.0	772	$1,500	$1.94	45d	1	0.44mi
387 Quaker Ln S West Hartford, CT	2.0	1.0	1050	$2,400	$2.29	45d	1	0.54mi
29 Crosby St West Hartford, CT	2.0	1.0	1100	$1,950	$1.77	45d	1	0.56mi
1 Park Rd West Hartford, CT	2.0	1.0–2.0	913	$3,647	$3.99	5d	18	0.61mi
48 Elm Dr West Hartford, CT	2.0	1.5	966	$2,600	$2.69	17d	1	0.67mi
366 Park Rd Unit C3 West Hartford, CT	1.0	1.0	750	$1,495	$1.99	5d	1	0.77mi
26 Schoolhouse Dr #204 West Hartford, CT	2.0	1.0	865	$2,800	$3.24	46d	1	1.09mi
3 Arnoldale Rd West Hartford, CT	1.0–3.0	1.0	1050	$2,390	$2.28	12d	4	1.17mi
711 Farmington Ave West Hartford, CT	1.0–2.0	1.0–1.5	975	$1,950	$2.00	25d	4	1.17mi
14 Hillcrest Ave Unit 14 B West Hartford, CT	2.0	1.0	838	$1,800	$2.15	45d	1	1.24mi
124 Mayflower St West Hartford, CT	3.0	1.0	1025	$2,650	$2.59	25d	1	1.24mi
124 Mayflower St West Hartford, CT	3.0	1.0	843	$2,650	$3.14	45d	1	1.24mi
800 Farmington Ave Unit 5 West Hartford, CT	1.0	1.0	950	$1,800	$1.89	45d	1	1.26mi
843 Farmington Ave West Hartford, CT	1.0–2.0	1.0	842	$2,000	$2.38	3d	8	1.26mi
843 Farmington Ave Unit 771-15 West Hartford, CT	2.0	1.0	934	$1,807	$1.93	45d	1	1.26mi
843 Farmington Ave Unit 839-C2 West Hartford, CT	1.0	1.0	750	$1,731	$2.31	45d	1	1.26mi
843 Farmington Ave Unit 773-A2 West Hartford, CT	2.0	1.0	987	$1,988	$2.01	45d	1	1.26mi
843 Farmington Ave Unit 577-11 West Hartford, CT	1.0	1.0	580	$1,562	$2.69	25d	1	1.26mi
843 Farmington Ave Unit 839-C4 West Hartford, CT	2.0	1.0	850	$1,974	$2.32	45d	1	1.26mi
20 Outlook Ave West Hartford, CT	1.0–2.0	1.0	1118	$3,000	$2.68	25d	2	1.28mi
950 Trout Brook Dr West Hartford, CT	1.0–3.0	1.0–2.5	1071	$4,460	$4.16	45d	1	1.29mi
893 Farmington Ave Unit 2F West Hartford, CT	1.0	1.0	910	$2,050	$2.25	45d	1	1.32mi
115 S Main St West Hartford, CT	2.0	1.0–1.5	1028	$2,750	$2.67	45d	3	1.34mi
115 S Main St Unit B11 West Hartford, CT	2.0	1.5	1057	$2,750	$2.60	45d	1	1.35mi
15 Dinah Rd Unit 302 West Hartford, CT	1.0	1.0	600	$2,500	$4.17	45d	1	1.36mi
15 Dinah Rd Unit 207 West Hartford, CT	1.0	1.0	600	$2,500	$4.17	25d	1	1.36mi
15 Dinah Rd Unit 219 West Hartford, CT	2.0	2.0	900	$3,850	$4.28	23d	1	1.36mi
15 Dinah Rd Unit 317 West Hartford, CT	2.0	2.0	938	$3,840	$4.09	45d	1	1.36mi
890 Farmington Ave Unit 890D West Hartford, CT	2.0	1.0	840	$2,200	$2.62	45d	1	1.37mi
888 Farmington Ave Unit D West Hartford, CT	1.0	1.0	641	$1,850	$2.89	17d	1	1.38mi
920 Farmington Ave West Hartford, CT	1.0–2.0	1.0–2.0	900	$4,505	$5.01	45d	14	1.44mi
53 Robin Rd Unit B1 West Hartford, CT	2.0	1.0	696	$1,800	$2.59	3d	1	1.47mi

Listing history 19 events

1. 2026-05-11
   status Under Contract 705-char remark
2. 2026-05-08
   listed $269,900 Active 705-char remark
3. 2026-05-04
   historical $269,900 705-char remark
4. 2026-04-15
   historical
5. 2026-03-27
   price $299,000
6. 2026-03-21
   status Active
7. 2026-03-10
   status Under Contract
8. 2026-02-25
   listed $314,900 Active
9. 2026-02-24
   historical
10. 2018-07-18
    soldstatus $182,400
11. 2018-07-17
    soldstatus $182,400 Closed

    Show marketing remark (542 chars)

    PREPARE TO BE SURPRISED WITH THIS STYLISHLY REMODELED RANCH . JUST MOVE IN AND ENJOY THIS NATURALLY BRIGHT HOME WITH FANTASTIC FLOW. CONSISTENT PAINT PALETTE AND PRODUCTS ALLOW FOR A COHESIVE FEEL . THIS HOME OFFERS FRESHLY REFINISHED AND STAINED HARDWOOD FLOORS THROUGHOUT, COMPLETELY REMODELED KITCHEN WITH QUARTZ COUNTERTOPS, SHIPLAP CUSTOM BUILT SHELVING COMPLETELY REMODELED NEW HALF BATH FULL BATH. GAS HEAT, THE CRAFTSMANSHIP AND DETAILED FINISHES DEFINE SIMPLE SOPHISTICATION. BE SMART....OWNING THIS PROPERTY IS CHEAPER THAN RENTING.

12. 2018-07-14
    historical

    Show marketing remark (542 chars)

    PREPARE TO BE SURPRISED WITH THIS STYLISHLY REMODELED RANCH . JUST MOVE IN AND ENJOY THIS NATURALLY BRIGHT HOME WITH FANTASTIC FLOW. CONSISTENT PAINT PALETTE AND PRODUCTS ALLOW FOR A COHESIVE FEEL . THIS HOME OFFERS FRESHLY REFINISHED AND STAINED HARDWOOD FLOORS THROUGHOUT, COMPLETELY REMODELED KITCHEN WITH QUARTZ COUNTERTOPS, SHIPLAP CUSTOM BUILT SHELVING COMPLETELY REMODELED NEW HALF BATH FULL BATH. GAS HEAT, THE CRAFTSMANSHIP AND DETAILED FINISHES DEFINE SIMPLE SOPHISTICATION. BE SMART....OWNING THIS PROPERTY IS CHEAPER THAN RENTING.

13. 2018-06-19
    historical Under Contract - Continue to Show

    Show marketing remark (542 chars)

    PREPARE TO BE SURPRISED WITH THIS STYLISHLY REMODELED RANCH . JUST MOVE IN AND ENJOY THIS NATURALLY BRIGHT HOME WITH FANTASTIC FLOW. CONSISTENT PAINT PALETTE AND PRODUCTS ALLOW FOR A COHESIVE FEEL . THIS HOME OFFERS FRESHLY REFINISHED AND STAINED HARDWOOD FLOORS THROUGHOUT, COMPLETELY REMODELED KITCHEN WITH QUARTZ COUNTERTOPS, SHIPLAP CUSTOM BUILT SHELVING COMPLETELY REMODELED NEW HALF BATH FULL BATH. GAS HEAT, THE CRAFTSMANSHIP AND DETAILED FINISHES DEFINE SIMPLE SOPHISTICATION. BE SMART....OWNING THIS PROPERTY IS CHEAPER THAN RENTING.

14. 2018-06-11
    listed $183,888 Active

    Show marketing remark (542 chars)

    PREPARE TO BE SURPRISED WITH THIS STYLISHLY REMODELED RANCH . JUST MOVE IN AND ENJOY THIS NATURALLY BRIGHT HOME WITH FANTASTIC FLOW. CONSISTENT PAINT PALETTE AND PRODUCTS ALLOW FOR A COHESIVE FEEL . THIS HOME OFFERS FRESHLY REFINISHED AND STAINED HARDWOOD FLOORS THROUGHOUT, COMPLETELY REMODELED KITCHEN WITH QUARTZ COUNTERTOPS, SHIPLAP CUSTOM BUILT SHELVING COMPLETELY REMODELED NEW HALF BATH FULL BATH. GAS HEAT, THE CRAFTSMANSHIP AND DETAILED FINISHES DEFINE SIMPLE SOPHISTICATION. BE SMART....OWNING THIS PROPERTY IS CHEAPER THAN RENTING.

15. 2018-04-09
    soldstatus $105,500 Closed
16. 2018-03-10
    status Under Contract
17. 2018-01-08
    historical Under Contract - Continue to Show
18. 2017-12-29
    listed $95,000 Active
19. 1994-05-16
    soldstatus $80,000

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

Tax reassessment forecast CT · Partial reset (capped growth)

• Current annual tax: $5,417 · $451/mo
• Projected year-2 tax: $5,596 · $466/mo
• Expected delta: +$179/yr (+$15/mo · 3.3%)

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

Climate risk First Street

• 🌊 Flood 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
• 🔥 Wildfire 1/10 Low
• 🌡 Heat 5/10 Major 7 d/yr ≥97°F today · 15 d/yr by 30 yrs out
• 💨 Wind 6/10 Major 27% chance of damaging wind over 30 yrs
• 🫁 Air quality 3/10 Moderate 3 unhealthy d/yr today · 4 by 30 yrs out

Taxation est. · year 1

• Rental income: $27,798
• − Mortgage interest: −$15,119
• − Property taxes: −$5,417
• − Insurance: −$1,350
• − Repairs & maintenance: −$2,224
• − Management: −$2,224
• − Depreciation: −$7,852
• Taxable loss: −$6,387
• Est. tax savings @ 24.0%: +$1,533
• After-tax cash flow: $-258/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: West Hartford School District
• NCES district ID: 0904920
• Math proficiency: 56% ▼ -6.00%
• Reading proficiency: 67% ▼ -5.00%
• Median HH income: $85,173
• Composite: 55.64/100
• National rank: #1228
• State rank: #39 of 153 in CT

Livability — West Hartford

• Score: 79/100
• State rank: #27
• US rank: #1989

Category grades

Amenities F Commute C+ Cost of living F Crime B+ Employment A+ Housing A+ Health & safety B+ User ratings A

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: West Hartford, CT
• County: Hartford County · 754,208 people
• City population: 63,441
• Metro: Hartford-East Hartford-Middletown, CT
• Population (ZIP): 12,641
• Household income: $87,539
• Rent vs Own: 36.9% rent · 63.1% own
• Severe rent burden: 498.0

Population outlook (Capitol County) Hauer SSP2

• By 2040: 1,063,519

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Highly diverse neighborhood (Simpson 0.70)
• Race & ethnicity: White 45% Hispanic / Latino 26% Black 13% Asian 12% Two or more races 11%
• Hispanic origin (detail): Mexican 2% Puerto Rican 13% Dominican 3% Salvadoran 2%
• Common ancestry: Romanian 5% Lithuanian 3% Subsaharan African 2%
• Foreign-born: 24% · Canada, Vietnam, India
• Languages at home: 59% English-only · Spanish 22% Other Indo-European 8% Russian/Polish/Slavic 3%

Political lean MEDSL · Capitol

• 2024 margin: Strong D (+21.9) · D 60.1% · R 38.2% · Other 1.7%
• All cycles: 2024: D+21.9

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -157.83%
• Current HPI: 192.2408
• Rent YoY: —
• Metro: Hartford-East Hartford-Middletown, CT
• State GDP YoY: ▲ 1.06%
• F500 in state: 38

Industry mix (Fortune 500 HQ in CT)

Industry	F500 HQs	Revenue
▸Industrial Machinery	4	$38B
▸Insurance	3	$71B
▸Financial Services	2	$25B
▸Transportation / Logistics	2	$18B
▸Healthcare	1	$247B
▸Telecommunications	1	$55B

Price history

+237.4% since first listed

19 events — show timeline

• 2026-05-11 Pending — Smart MLS
• 2026-05-08 Listed $269,900 Smart MLS
• 2026-05-04 Coming Soon $269,900 Smart MLS
• 2026-04-15 Listing Removed — Smart MLS
• 2026-03-27 Price Changed $299,000 Smart MLS
• 2026-03-21 Relisted — Smart MLS
• 2026-03-10 Pending — Smart MLS
• 2026-02-25 Listed $314,900 Smart MLS
• 2026-02-24 Coming Soon — Smart MLS
• 2018-07-18 Sold (Public Records) $182,400 Public Records
• 2018-07-17 Sold (MLS) $182,400 Smart MLS
• 2018-07-14 Listing Removed — Smart MLS
• 2018-06-19 Contingent — Smart MLS
• 2018-06-11 Listed $183,888 Smart MLS
• 2018-04-09 Sold (MLS) $105,500 Smart MLS
• 2018-03-10 Pending — Smart MLS
• 2018-01-08 Contingent — Smart MLS
• 2017-12-29 Listed $95,000 Smart MLS
• 1994-05-16 Sold (Public Records) $80,000 Public Records

Property tax history

+2.9%/yr

Latest (2025): $5,417 · +5.7% YoY. Source: county tax records.