54 Young Dixon Way #54 · Stamford, CT 06902

$366,000

3 bd · 2.5 ba · 1,380 sqft · SingleFamily · 26 Days on market

Built 2006 Good condition $265/sqft · 43% below area Est $639k · 43% under $225/mo HOA · 6% of rent

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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 +18.6/30.0
• ARV discount +15.0/15.0
• DSCR +5.9/10.0
• 1% rule +5.8/10.0
• Condition / age +3.8/5.0
• Schools +3.5/10.0
• Livability +3.5/5.0
• Rent growth +3.0/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Fantastic opportunity to own a beautifully maintained townhouse in Stamford for income elegible families. This spacious, thoughtfully designed home features 3 generously sized bedrooms, 2.5 bathrooms, and the convenience of a second-floor laundry. The kitchen flows seamlessly into the dining area, where French doors open to a private patio and backyard, perfect for entertaining or enjoying quiet outdoor space. Situated on a corner, this unit offers a larger yard than most in the community, providing added privacy and room to relax. Additional highlights include central air conditioning, efficient gas heat, and an attached garage. Please note: Sale is subject to Program income restrictions. Property must be owner-occupied and is not eligible for rental or investment use. Buyers must meet income eligibility requirements; refer to the attached income limits for details. Important Buyer Qualification Requirements: Buyers must be approved based on their annual household income. Realtors are required to verify that their clients meet income eligibility guidelines prior to submitting an offer. All offers must include the following documentation: last two years of tax returns, most recent two pay stubs, and a pre-approval letter or proof of funds. Please note: Buyers must not have owned any property within the past three (3) years. For cash offers, proof of funds is required at the time of submission.

Key facts

• Efficient gas heat
• Larger yard
• Private patio

Tags

• PRIVATE PATIO
• LARGER YARD
• CENTRAL AIR CONDITIONING
• EFFICIENT GAS HEAT

What this means for you Summary

Snapshot

• This is a 3-bed/2.5-bath single-family listed at $366k. Condition is rated good.

Deal economics

• At list price, monthly cash flow is $356 ($4k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($4k rent vs $366k).
• Recommended offer: $361k (1.5% below list) — sets the bar for market timing.
• Cap rate 7.5% vs local median 3.0% in Stamford — 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 70/100 on livability (#98 in CT) — a middle-class / working-renter tenant base. Strengths: employment A+, health & safety A+, crime A-; Watch: amenities F, commute F, cost of living F.
• Stamford School District (urban): math 32% / reading 43% proficiency, ranked #103 of 153 in CT (top 67%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: Rents rising (+1.9%/yr); 188 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals at typical pace (median 15d on market — plan ~3-4 weeks tenant-placement turnaround); solid renter incomes; 1,151 units permitted in Western Connecticut Planning Region in 2024 (714 in 5+ unit buildings).
• At $3,937/mo this rent would consume 50% of the median local household income ($95k/yr) (locally 4139% of renters already pay >50% of income on rent) — very limited rent-growth headroom before tenants either downsize or default.

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $3k of loan paydown is wiped out by about $11k of value loss. Plan a longer hold.

Negotiation context

• It's been on market 26 days — a 2% lower offer ($361k) is reasonable based on typical stale-listing flexibility.
• 2 sale attempts 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.

Risks & watch-outs

• Climate carrying-cost: major wind risk, 69% chance of damaging wind over 30y; extreme-heat days projected 7→16/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $360,510 (1.5% below list)

Questions for the listing agent

1. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
2. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
3. Schools are B-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?
4. 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.
5. 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.
6. 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: 1.08% ✓
• Cap rate: 7.46%
• Cash-on-cash: 4.17%
• DSCR: 1.19
• GRM: 7.7

CMA / ARV

• ARV (median comp): $638,877
• List price: $366,000
• Delta: -42.71%
• Verdict: UNDERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 5 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
46 Young Dixon Way #46	0.02mi	3/2.5	1,380 (0%)	1mo	$366,060	$265	98
327 Greenwich Ave	0.34mi	3/1.0	1,400 (+1%)	19mo	$850,000	$607	60
578 Fairfield Ave	0.68mi	3/1.5	1,399 (+1%)	12mo	$658,000	$470	52
39 Depinedo Ave	0.66mi	2/1.0 (-1)	1,502 (+9%)	11mo	$551,000	$367	34
38 Carlisle Pl	0.56mi	3/2.0	1,583 (+15%)	18mo	$650,000	$411	32

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 · 1.95% rent growth · sell at horizon

5-year hold

• IRR: -11.0%
• Equity multiple: 0.60×
• Total profit: $-40,569
• Equity at exit: $54,572

10-year hold

• IRR: -3.4%
• Equity multiple: 0.79×
• Total profit: $-21,886
• Equity at exit: $31,645

Cash invested: $102,480 (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 06902

• Rents YoY: 1.9%
• Active inventory: 188
• Price-to-rent: 7.7×

Monthly cashflow live

• Estimated rent: $3,937 high
• Mortgage (P&I): −$1,919
• Tax est. 1.5%: −$458 /mo · $5,490/yr
• Insurance: −$152
• HOA: −$225
• Vacancy / Maint / Mgmt: −$827
• Net cashflow: $356

Break-even live

Break-even rent $3,487

Max offer price $366,000

Occupancy floor 86%

Sensitivity live

Price	-10% $609	-5% $482	+0% $356	+5% $229	+10% $103
Rent	-10% $45	-5% $200	+0% $356	+5% $511	+10% $667
Rate	-1.0pp $540	-0.5pp $449	base $356	+0.5pp $261	+1.0pp $164

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: $91,500
• Closing costs: $10,980
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
14 Southwood Dr Stamford, CT	1.0–2.0	1.0–2.0	801	$2,800	$3.49	3d	4	0.08mi
28 Southfield Ave Stamford, CT	1.0–2.0	1.0–2.0	964	$3,854	$4.00	3d	6	0.41mi
37 Southfield Ave Stamford, CT	3.0	1.0	1000	$3,099	$3.10	24d	1	0.42mi
37 Southfield Ave Unit A Stamford, CT	3.0	1.0	1000	$3,199	$3.20	44d	1	0.42mi
39 Southfield Ave Unit A Stamford, CT	3.0	1.0	1000	$3,399	$3.40	44d	1	0.42mi
22 Fairgate Dr Stamford, CT	2.0	2.0	1158	$3,175	$2.74	24d	1	0.53mi
14 Fairgate Dr Stamford, CT	2.0	2.0	1188	$3,195	$2.69	44d	1	0.54mi
37 Rose Park Ave Stamford, CT	2.0	1.0	900	$2,100	$2.33	15d	1	0.56mi
37 Greenwich Ave Unit 2-6 Stamford, CT	2.0	1.0	1115	$2,600	$2.33	44d	1	0.58mi
15 Greenwich Ave #9 Stamford, CT	2.0	1.5	1134	$3,000	$2.65	44d	1	0.60mi
100 Commons Park N Unit 1661 Stamford, CT	2.0	2.0	1109	$4,175	$3.76	12d	1	0.64mi
10 Wells Ave Unit A Stamford, CT	2.0	1.0	1169	$3,500	$2.99	3d	1	0.64mi
30 Noble St Stamford, CT	3.0	1.5	1304	$5,500	$4.22	3d	1	0.69mi
775 Atlantic St Unit 3L Stamford, CT	3.0	2.0	1150	$2,800	$2.43	24d	1	0.69mi
34 Keith St Unit 2 Stamford, CT	3.0	1.0	1550	$3,550	$2.29	44d	1	0.69mi
150 Southfield Ave Stamford, CT	1.0–3.0	1.0–2.0	1263	$5,728	$4.53	1d	37	0.70mi
816 Pacific St Unit 2nd Floor Stamford, CT	2.0	2.0	1240	$3,000	$2.42	3d	1	0.72mi
16 Burwood Ave Unit 2 Stamford, CT	3.0	2.0	1653	$3,999	$2.42	15d	1	0.73mi
2 Harbor Point Rd S Stamford, CT	1.0–2.0	1.0–2.0	1091	$8,952	$8.20	3d	3	0.73mi
16 Manor St Unit B Stamford, CT	3.0	2.0	1750	$3,600	$2.06	15d	1	0.74mi
9 W Main St Stamford, CT	2.0	1.0–2.0	739	$3,439	$4.65	3d	1	0.75mi
301 Commons Park S Stamford, CT	1.0–2.0	1.0–2.0	1015	$4,829	$4.76	1d	13	0.75mi
75 Tresser Blvd Stamford, CT	2.0	1.0–2.0	870	$4,271	$4.91	3d	21	0.76mi
92 Burwood Ave Unit 2 Stamford, CT	3.0	1.5	1800	$4,300	$2.39	3d	1	0.76mi
47 Whitmore Ln Apt 1 Stamford, CT	2.0	1.0	1080	$2,400	$2.22	24d	1	0.77mi
681 Atlantic St Stamford, CT	1.0–2.0	1.0–2.0	944	$3,340	$3.54	44d	5	0.77mi
2 Harbor Point Rd S Unit 1513 Stamford, CT	2.0	2.0	1469	$8,952	$6.09	3d	1	0.78mi
2 Harbor Point Rd S Unit 1513 Stamford, CT	2.0	2.0	1469	$8,195	$5.58	11d	1	0.78mi
2 Harbor Point Rd S Unit 1101 Stamford, CT	2.0	2.0	1136	$6,695	$5.89	24d	1	0.78mi
74 Myano Ln Unit 1 Stamford, CT	2.0	1.0	1000	$2,500	$2.50	24d	1	0.81mi
105 Burwood Ave Unit 2 Stamford, CT	2.0	1.0	1048	$2,650	$2.53	44d	1	0.81mi
51 Forest Ave Old Greenwich, CT	3.0	3.0	1737	$8,150	$4.69	3d	2	0.82mi
14 Relay Pl Unit R3 Stamford, CT	2.0	1.0	1100	$2,450	$2.23	44d	1	0.85mi
405 Atlantic St Stamford, CT	2.0	1.0–2.0	818	$4,739	$5.79	3d	18	0.85mi
100 Tresser Blvd Stamford, CT	3.0	1.0–2.0	1090	$9,142	$8.38	1d	11	0.86mi
130 Tresser Blvd Stamford, CT	2.0	2.0	1150	$5,175	$4.50	3d	4	0.88mi
25 Center Dr Old Greenwich, CT	3.0	2.0	1616	$8,950	$5.54	21d	1	0.88mi
41 Elmcroft Rd Stamford, CT	2.0	1.5	1058	$2,995	$2.83	44d	1	0.89mi
1465 E Putnam Ave #122 Old Greenwich, CT	2.0	1.5	1344	$4,400	$3.27	44d	1	0.89mi
355 Atlantic St Stamford, CT	2.0	1.0–2.0	840	$4,479	$5.33	3d	13	0.90mi

HOA detail

• Monthly dues: $225 · $2,700/yr
• Likely covers: gas

Listing history 4 events

1. 2026-05-15
   status Under Contract 1416-char remark

   Show marketing remark (1416 chars)

   Fantastic opportunity to own a beautifully maintained townhouse in Stamford for income elegible families. This spacious, thoughtfully designed home features 3 generously sized bedrooms, 2.5 bathrooms, and the convenience of a second-floor laundry. The kitchen flows seamlessly into the dining area, where French doors open to a private patio and backyard, perfect for entertaining or enjoying quiet outdoor space. Situated on a corner, this unit offers a larger yard than most in the community, providing added privacy and room to relax. Additional highlights include central air conditioning, efficient gas heat, and an attached garage. Please note: Sale is subject to Program income restrictions. Property must be owner-occupied and is not eligible for rental or investment use. Buyers must meet income eligibility requirements; refer to the attached income limits for details. Important Buyer Qualification Requirements: Buyers must be approved based on their annual household income. Realtors are required to verify that their clients meet income eligibility guidelines prior to submitting an offer. All offers must include the following documentation: last two years of tax returns, most recent two pay stubs, and a pre-approval letter or proof of funds. Please note: Buyers must not have owned any property within the past three (3) years. For cash offers, proof of funds is required at the time of submission.

2. 2026-05-06
   status Active 1416-char remark

   Show marketing remark (1416 chars)

   Fantastic opportunity to own a beautifully maintained townhouse in Stamford for income elegible families. This spacious, thoughtfully designed home features 3 generously sized bedrooms, 2.5 bathrooms, and the convenience of a second-floor laundry. The kitchen flows seamlessly into the dining area, where French doors open to a private patio and backyard, perfect for entertaining or enjoying quiet outdoor space. Situated on a corner, this unit offers a larger yard than most in the community, providing added privacy and room to relax. Additional highlights include central air conditioning, efficient gas heat, and an attached garage. Please note: Sale is subject to Program income restrictions. Property must be owner-occupied and is not eligible for rental or investment use. Buyers must meet income eligibility requirements; refer to the attached income limits for details. Important Buyer Qualification Requirements: Buyers must be approved based on their annual household income. Realtors are required to verify that their clients meet income eligibility guidelines prior to submitting an offer. All offers must include the following documentation: last two years of tax returns, most recent two pay stubs, and a pre-approval letter or proof of funds. Please note: Buyers must not have owned any property within the past three (3) years. For cash offers, proof of funds is required at the time of submission.

3. 2026-04-11
   status Under Contract 1416-char remark

   Show marketing remark (1416 chars)

   Fantastic opportunity to own a beautifully maintained townhouse in Stamford for income elegible families. This spacious, thoughtfully designed home features 3 generously sized bedrooms, 2.5 bathrooms, and the convenience of a second-floor laundry. The kitchen flows seamlessly into the dining area, where French doors open to a private patio and backyard, perfect for entertaining or enjoying quiet outdoor space. Situated on a corner, this unit offers a larger yard than most in the community, providing added privacy and room to relax. Additional highlights include central air conditioning, efficient gas heat, and an attached garage. Please note: Sale is subject to Program income restrictions. Property must be owner-occupied and is not eligible for rental or investment use. Buyers must meet income eligibility requirements; refer to the attached income limits for details. Important Buyer Qualification Requirements: Buyers must be approved based on their annual household income. Realtors are required to verify that their clients meet income eligibility guidelines prior to submitting an offer. All offers must include the following documentation: last two years of tax returns, most recent two pay stubs, and a pre-approval letter or proof of funds. Please note: Buyers must not have owned any property within the past three (3) years. For cash offers, proof of funds is required at the time of submission.

4. 2026-03-25
   listed $366,000 Active 1416-char remark

   Show marketing remark (1416 chars)

   Fantastic opportunity to own a beautifully maintained townhouse in Stamford for income elegible families. This spacious, thoughtfully designed home features 3 generously sized bedrooms, 2.5 bathrooms, and the convenience of a second-floor laundry. The kitchen flows seamlessly into the dining area, where French doors open to a private patio and backyard, perfect for entertaining or enjoying quiet outdoor space. Situated on a corner, this unit offers a larger yard than most in the community, providing added privacy and room to relax. Additional highlights include central air conditioning, efficient gas heat, and an attached garage. Please note: Sale is subject to Program income restrictions. Property must be owner-occupied and is not eligible for rental or investment use. Buyers must meet income eligibility requirements; refer to the attached income limits for details. Important Buyer Qualification Requirements: Buyers must be approved based on their annual household income. Realtors are required to verify that their clients meet income eligibility guidelines prior to submitting an offer. All offers must include the following documentation: last two years of tax returns, most recent two pay stubs, and a pre-approval letter or proof of funds. Please note: Buyers must not have owned any property within the past three (3) years. For cash offers, proof of funds is required at the time of submission.

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

Climate risk First Street

• 🌊 Flood 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
• 🔥 Wildfire 1/10 Low
• 🌡 Heat 6/10 Major 7 d/yr ≥98°F today · 16 d/yr by 30 yrs out
• 💨 Wind 6/10 Major 69% chance of damaging wind over 30 yrs
• 🫁 Air quality 6/10 Major 9 unhealthy d/yr today · 13 by 30 yrs out

Taxation est. · year 1

• Rental income: $47,242
• − Mortgage interest: −$20,502
• − Property taxes: −$5,490
• − Insurance: −$1,830
• − Repairs & maintenance: −$3,779
• − Management: −$3,779
• − HOA: −$2,700
• − Depreciation: −$10,647
• Taxable loss: −$1,486
• Est. tax savings @ 24.0%: +$357
• After-tax cash flow: $4,626/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.

Condition & rehab AI · 12 photos

Good 75/100 Cosmetic rehab

This well-maintained townhouse in Stamford offers a good investment opportunity with minimal repairs needed and a good condition score.

Value-add opportunities

• Both Paint the exterior siding — A fresh coat of paint can enhance the curb appeal and increase the home's value.
• Both Replace the air conditioning unit — A new air conditioning unit can improve comfort and energy efficiency, making the home more attractive to buyers and renters.

Renovation cost estimate screening

Value-add ROI direction

• Both Paint the exterior siding — A fresh coat of paint can enhance the curb appeal and increase the home's value. ↑
• Both Replace the air conditioning unit — A new air conditioning unit can improve comfort and energy efficiency, making the home more attractive to buyers and renters. ↑

ⓘ Cost ranges are severity-bucket heuristics (US national rule-of-thumb). Get contractor quotes + a written scope before underwriting a rehab budget.

Schools (NCES district)

• District: Stamford School District
• NCES district ID: 0904320
• Math proficiency: 32% ▼ -10.00%
• Reading proficiency: 43% ▼ -7.00%
• Median HH income: $78,843
• Composite: 35.14/100
• National rank: #5010
• State rank: #103 of 153 in CT

Livability — Stamford

• Score: 70/100
• State rank: #98
• US rank: #7716

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Stamford, CT
• County: Fairfield County · 765,532 people
• City population: 123,058
• Metro: Bridgeport-Stamford-Norwalk, CT
• Population (ZIP): 73,392
• Household income: $94,843
• Rent vs Own: 57.8% rent · 42.2% own
• Severe rent burden: 4139.0

Population outlook (Western Connecticut County) Hauer SSP2

• By 2040: 685,031

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Highly diverse neighborhood (Simpson 0.71)
• Race & ethnicity: Hispanic / Latino 35% White 32% Black 23% Two or more races 13% Asian 7%
• Hispanic origin (detail): Mexican 3% Puerto Rican 4% Dominican 3%
• Common ancestry: Hispanic 5% Romanian 3% Scotch-Irish 1%
• Foreign-born: 36% · Canada, Jamaica, China
• Languages at home: 51% English-only · Spanish 30% French/Haitian/Cajun 6% Other Indo-European 4%

Political lean MEDSL · Western Connecticut

• 2024 margin: D (+19.1) · D 58.8% · R 39.7% · Other 1.6%
• All cycles: 2024: D+19.1

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -450.67%
• Current HPI: 173.4108
• Rent YoY: ▲ 1.95%
• Metro: Bridgeport-Stamford-Norwalk, 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

4 events — show timeline

• 2026-05-15 Pending — Smart MLS
• 2026-05-06 Relisted — Smart MLS
• 2026-04-11 Pending — Smart MLS
• 2026-03-25 Listed $366,000 Smart MLS