Stamford Plan · Huntertown, IN 46748

$328,900

4 bd · 2.5 ba · 2,346 sqft · SingleFamily · 495 Days on market

Good condition ↓ 3% since listing

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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).

• Cash flow +9.2/30.0
• ARV discount +7.5/15.0
• Schools +4.9/10.0
• Condition / age +4.0/5.0
• Livability +3.5/5.0
• 1% rule +2.8/10.0
• DSCR +2.6/10.0
• Rent growth +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Discover the Stamford Floorplan, a spacious and versatile two-story home designed for modern living. With 2,346 square feet of expertly planned space, this floorplan features 4 generous bedrooms and 2.5 bathrooms. Multiple exterior elevation options provide a blend of modern style and timeless charm. Enter the front door to find a half bathroom and study, perfect for working from home or creating the kids play space. Further into the home, a open layout comprises a spacious great room, casual dining area, and a modern kitchen. The kitchen features a large center island, quartz countertops, shaker style cabinets, stainless steel appliances, and a corner pantry. Follow the half-turn staircase to find an open loft. Furthermore, the second floor features four well-sized bedrooms, laundry room, full bathroom with private water room, and additional storage solutions. The primary bedroom showcases a spacious living space with an ensuite bathroom and walk-in closet. Each Stamford includes a smart home system including a Qolsys IQ panel, Z-wave deadbolt, and a video doorbell; allowing you to control and monitor your home from your couch or from 500 miles away. Envisioning your life in a Stamford? Call today to make it a reality. Photos representative of plan only and may vary as built.

Key facts

• 3 garage spots
• Listed 495 days

🏗️ New construction. The $328,900 list price is a builder figure, so every metric below is computed on the value from comparable previous sales — $346,253.

What this means for you Summary

Snapshot

• This is a 4-bed/2.5-bath single-family listed at $329k. Condition is rated good.

Deal economics

• At list price, monthly cash flow is $-260 ($-3k/yr) — negative.
• To cash-flow at today's rent, offer at most $309k (6.2% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $270k (17.9% below list).
• Recommended offer: $270k (17.9% below list) — sets the bar for 1% rule.
• Cap rate 5.4% vs local median 4.1% in Huntertown — 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 (#159 in IN) — a middle-class / working-renter tenant base. Strengths: employment A+, cost of living A+, housing A+; Watch: amenities F, commute F, health & safety F.
• Northwest Allen County Schools (rural): math 51% / reading 58% proficiency, ranked #25 of 301 in IN (top 8%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease; only 11% free/reduced lunch — higher-income household profile.
• Market conditions: 144 active listings in the ZIP; 1 comparable units currently listed for rent nearby; 1,861 units permitted in Allen County in 2024 (576 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $2k of loan paydown is wiped out by about $10k of value loss. Plan a longer hold.
• Allen County population projected at +10% by 2050 — modest demand growth; plan on rents tracking national, not racing it.

Negotiation context

• It's been on market 495 days — a 12% lower offer ($289k) is reasonable based on typical stale-listing flexibility.

Recommended offer $270,000 (17.9% 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. It's been on market 495 days. Have you received any prior offers? Is the seller open to a 18% concession, seller financing, or rate buy-down credit?
3. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
4. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
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: 0.78% ✗
• Cap rate: 5.39%
• Cash-on-cash: -3.22%
• DSCR: 0.86
• GRM: 10.7

CMA / ARV

• ARV (median comp): $346,253
• List price: $328,900
• Delta: -5.01%
• Verdict: FAIR
• Comps: 20 within 1.0 mi

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
17468 Firs Trl	0.10mi	4/2.5	2,346 (0%)	2mo	$354,900	$151	94
17453 Sonic Ct	0.19mi	4/2.5	2,400 (+2%)	0mo	$409,900	$171	87
962 Casting Rd	0.24mi	4/2.5	2,383 (+2%)	1mo	$415,000	$174	86
17446 Firs Trl	0.10mi	5/3.0 (+1)	2,600 (+11%)	0mo	$385,350	$148	70
1224 Switchfoot Dr	0.53mi	4/2.5	2,431 (+4%)	0mo	$442,000	$182	69
628 Atilla Way	0.10mi	5/3.0 (+1)	2,600 (+11%)	2mo	$385,350	$148	69
888 Cascata Trl	0.35mi	3/2.5 (-1)	2,525 (+8%)	1mo	$649,900	$257	65
1373 Din Cv	0.51mi	4/2.5	2,157 (-8%)	0mo	$449,900	$209	62
17645 Monza Pass	0.38mi	3/2.5 (-1)	2,032 (-13%)	1mo	$580,000	$285	54
366 Keltic Pines Blvd	0.47mi	3/2.5 (-1)	2,032 (-13%)	1mo	$538,350	$265	50
1385 Dixon Pl	0.66mi	3/2.0 (-1)	2,004 (-15%)	0mo	$440,000	$220	38
1397 Dixon Pl	0.70mi	3/2.0 (-1)	2,002 (-15%)	2mo	$437,400	$218	35

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: -21.7%
• Equity multiple: 0.25×
• Total profit: $-72,619
• Equity at exit: $51,627

10-year hold

• IRR: -15.4%
• Equity multiple: 0.13×
• Total profit: $-84,383
• Equity at exit: $29,938

Cash invested: $96,951 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

• Overall (STATE): 90 Strongly Landlord-Friendly
• State Indiana: 90 Strongly Landlord-Friendly · R+11
• County: — inherits STATE
• City: — inherits STATE

10-day pay-or-quit; landlord-favorable; preempted.

Methodology + full state rankings →

ZIP-level market 46748

• Home prices YoY: -22.2%
• Active inventory: 144
• Price-to-rent: 10.2×

Monthly cashflow live

• Estimated rent: $2,700 medium
• Mortgage (P&I): −$1,816
• Tax est. 1.5%: −$433 /mo · $5,194/yr
• Insurance: −$144
• HOA: −$0
• Vacancy / Maint / Mgmt: −$567
• Net cashflow: $-260

Break-even live

Break-even rent $3,029

Max offer price $308,648

Occupancy floor —

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: $86,563
• Closing costs: $10,388
• Reserves months: —
• Total cash needed: —

Rent comps 1 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
1298 Switchfoot Dr Huntertown, IN	4.0	3.0	1990	$2,700	$1.36	21d	1	0.60mi

Listing history 21 events

1. 2026-06-18
   days on market $328,900 Active 495 DOM
2. 2026-06-17
   days on market $328,900 Active 494 DOM
3. 2026-06-16
   days on market $328,900 Active 493 DOM
4. 2026-06-15
   days on market $328,900 Active 492 DOM
5. 2026-06-14
   days on market $328,900 Active 490 DOM
6. 2026-06-13
   days on market $328,900 Active 489 DOM
7. 2026-06-10
   days on market $328,900 Active 487 DOM
8. 2026-06-09
   days on market $328,900 Active 486 DOM
9. 2026-06-08
   days on market $328,900 Active 485 DOM
10. 2026-06-07
    days on market $328,900 Active 484 DOM
11. 2026-06-03
    days on market $328,900 Active 480 DOM
12. 2026-06-02
    days on market $328,900 Active 479 DOM
13. 2026-06-01
    days on market $328,900 Active 478 DOM
14. 2026-05-31
    days on market $328,900 Active 477 DOM
15. 2026-05-30
    days on market $328,900 Active 476 DOM
16. 2026-01-27
    price $331,900 1297-char remark

    Show marketing remark (1297 chars)

    Discover the Stamford Floorplan, a spacious and versatile two-story home designed for modern living. With 2,346 square feet of expertly planned space, this floorplan features 4 generous bedrooms and 2.5 bathrooms. Multiple exterior elevation options provide a blend of modern style and timeless charm. Enter the front door to find a half bathroom and study, perfect for working from home or creating the kids play space. Further into the home, a open layout comprises a spacious great room, casual dining area, and a modern kitchen. The kitchen features a large center island, quartz countertops, shaker style cabinets, stainless steel appliances, and a corner pantry. Follow the half-turn staircase to find an open loft. Furthermore, the second floor features four well-sized bedrooms, laundry room, full bathroom with private water room, and additional storage solutions. The primary bedroom showcases a spacious living space with an ensuite bathroom and walk-in closet. Each Stamford includes a smart home system including a Qolsys IQ panel, Z-wave deadbolt, and a video doorbell; allowing you to control and monitor your home from your couch or from 500 miles away. Envisioning your life in a Stamford? Call today to make it a reality. Photos representative of plan only and may vary as built.

17. 2025-09-11
    price $341,900 1297-char remark

    Show marketing remark (1297 chars)

    Discover the Stamford Floorplan, a spacious and versatile two-story home designed for modern living. With 2,346 square feet of expertly planned space, this floorplan features 4 generous bedrooms and 2.5 bathrooms. Multiple exterior elevation options provide a blend of modern style and timeless charm. Enter the front door to find a half bathroom and study, perfect for working from home or creating the kids play space. Further into the home, a open layout comprises a spacious great room, casual dining area, and a modern kitchen. The kitchen features a large center island, quartz countertops, shaker style cabinets, stainless steel appliances, and a corner pantry. Follow the half-turn staircase to find an open loft. Furthermore, the second floor features four well-sized bedrooms, laundry room, full bathroom with private water room, and additional storage solutions. The primary bedroom showcases a spacious living space with an ensuite bathroom and walk-in closet. Each Stamford includes a smart home system including a Qolsys IQ panel, Z-wave deadbolt, and a video doorbell; allowing you to control and monitor your home from your couch or from 500 miles away. Envisioning your life in a Stamford? Call today to make it a reality. Photos representative of plan only and may vary as built.

18. 2025-08-23
    price $349,900 1297-char remark

    Show marketing remark (1297 chars)

    Discover the Stamford Floorplan, a spacious and versatile two-story home designed for modern living. With 2,346 square feet of expertly planned space, this floorplan features 4 generous bedrooms and 2.5 bathrooms. Multiple exterior elevation options provide a blend of modern style and timeless charm. Enter the front door to find a half bathroom and study, perfect for working from home or creating the kids play space. Further into the home, a open layout comprises a spacious great room, casual dining area, and a modern kitchen. The kitchen features a large center island, quartz countertops, shaker style cabinets, stainless steel appliances, and a corner pantry. Follow the half-turn staircase to find an open loft. Furthermore, the second floor features four well-sized bedrooms, laundry room, full bathroom with private water room, and additional storage solutions. The primary bedroom showcases a spacious living space with an ensuite bathroom and walk-in closet. Each Stamford includes a smart home system including a Qolsys IQ panel, Z-wave deadbolt, and a video doorbell; allowing you to control and monitor your home from your couch or from 500 miles away. Envisioning your life in a Stamford? Call today to make it a reality. Photos representative of plan only and may vary as built.

19. 2025-06-11
    price $366,400 1297-char remark

    Show marketing remark (1297 chars)

    Discover the Stamford Floorplan, a spacious and versatile two-story home designed for modern living. With 2,346 square feet of expertly planned space, this floorplan features 4 generous bedrooms and 2.5 bathrooms. Multiple exterior elevation options provide a blend of modern style and timeless charm. Enter the front door to find a half bathroom and study, perfect for working from home or creating the kids play space. Further into the home, a open layout comprises a spacious great room, casual dining area, and a modern kitchen. The kitchen features a large center island, quartz countertops, shaker style cabinets, stainless steel appliances, and a corner pantry. Follow the half-turn staircase to find an open loft. Furthermore, the second floor features four well-sized bedrooms, laundry room, full bathroom with private water room, and additional storage solutions. The primary bedroom showcases a spacious living space with an ensuite bathroom and walk-in closet. Each Stamford includes a smart home system including a Qolsys IQ panel, Z-wave deadbolt, and a video doorbell; allowing you to control and monitor your home from your couch or from 500 miles away. Envisioning your life in a Stamford? Call today to make it a reality. Photos representative of plan only and may vary as built.

20. 2025-04-01
    price $364,900 1297-char remark

    Show marketing remark (1297 chars)

    Discover the Stamford Floorplan, a spacious and versatile two-story home designed for modern living. With 2,346 square feet of expertly planned space, this floorplan features 4 generous bedrooms and 2.5 bathrooms. Multiple exterior elevation options provide a blend of modern style and timeless charm. Enter the front door to find a half bathroom and study, perfect for working from home or creating the kids play space. Further into the home, a open layout comprises a spacious great room, casual dining area, and a modern kitchen. The kitchen features a large center island, quartz countertops, shaker style cabinets, stainless steel appliances, and a corner pantry. Follow the half-turn staircase to find an open loft. Furthermore, the second floor features four well-sized bedrooms, laundry room, full bathroom with private water room, and additional storage solutions. The primary bedroom showcases a spacious living space with an ensuite bathroom and walk-in closet. Each Stamford includes a smart home system including a Qolsys IQ panel, Z-wave deadbolt, and a video doorbell; allowing you to control and monitor your home from your couch or from 500 miles away. Envisioning your life in a Stamford? Call today to make it a reality. Photos representative of plan only and may vary as built.

21. 2025-02-08
    listed $340,900 Active 1297-char remark

    Show marketing remark (1297 chars)

    Discover the Stamford Floorplan, a spacious and versatile two-story home designed for modern living. With 2,346 square feet of expertly planned space, this floorplan features 4 generous bedrooms and 2.5 bathrooms. Multiple exterior elevation options provide a blend of modern style and timeless charm. Enter the front door to find a half bathroom and study, perfect for working from home or creating the kids play space. Further into the home, a open layout comprises a spacious great room, casual dining area, and a modern kitchen. The kitchen features a large center island, quartz countertops, shaker style cabinets, stainless steel appliances, and a corner pantry. Follow the half-turn staircase to find an open loft. Furthermore, the second floor features four well-sized bedrooms, laundry room, full bathroom with private water room, and additional storage solutions. The primary bedroom showcases a spacious living space with an ensuite bathroom and walk-in closet. Each Stamford includes a smart home system including a Qolsys IQ panel, Z-wave deadbolt, and a video doorbell; allowing you to control and monitor your home from your couch or from 500 miles away. Envisioning your life in a Stamford? Call today to make it a reality. Photos representative of plan only and may vary as built.

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

Taxation est. · year 1

• Rental income: $32,400
• − Mortgage interest: −$19,396
• − Property taxes: −$5,194
• − Insurance: −$1,731
• − Repairs & maintenance: −$2,592
• − Management: −$2,592
• − Depreciation: −$10,073
• Taxable loss: −$9,177
• Est. tax savings @ 24.0%: +$2,203
• After-tax cash flow: $-916/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 · 1 photo

Good 80/100 Cosmetic rehab

The Stamford Plan is a well-maintained, modern two-story home with a good condition score. It offers a spacious floor plan and is ready for a fresh coat of paint and landscaping improvements to further enhance its value.

Value-add opportunities

• Both Painting exterior and interior walls — Fresh paint enhances curb appeal and interior aesthetics.
• Both Landscaping improvements — Enhanced landscaping can increase both resale and rental value.
• Resale Kitchen appliances maintenance — Modern appliances are a selling point for potential buyers.
• Resale Bathroom fixtures maintenance — Up-to-date fixtures improve the home's appeal to buyers.
• Both HVAC system maintenance — A well-maintained HVAC system ensures comfort and energy efficiency, benefiting both resale and rental value.

Renovation cost estimate screening

Value-add ROI direction

• Both Painting exterior and interior walls — Fresh paint enhances curb appeal and interior aesthetics. ↑
• Both Landscaping improvements — Enhanced landscaping can increase both resale and rental value. ↑
• Resale Kitchen appliances maintenance — Modern appliances are a selling point for potential buyers. ↑
• Resale Bathroom fixtures maintenance — Up-to-date fixtures improve the home's appeal to buyers. ↑
• Both HVAC system maintenance — A well-maintained HVAC system ensures comfort and energy efficiency, benefiting both resale and rental value. ↑

ⓘ 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: Northwest Allen County Schools
• NCES district ID: 1808250
• Math proficiency: 51% ▼ -6.00%
• Reading proficiency: 58% ▼ -5.00%
• Median HH income: $78,952
• Composite: 49.26/100
• National rank: #2027
• State rank: #25 of 301 in IN

Livability — Huntertown

• Score: 70/100
• State rank: #159
• US rank: #7771

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Huntertown, IN
• Population (ZIP): 6,933

Population outlook (Allen County) Hauer SSP2

• Today (2025): 394,020 people
• By 2030: 405,128 · +2.8%
• By 2040: 423,476 · +7.5%
• By 2050: 435,137 · +10.4%
• By 2075: 450,293 · +14.3%
• By 2100: 424,101 · +7.6%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (87%)
• Race & ethnicity: White 87% Black 4% Hispanic / Latino 4% Two or more races 4% Asian 2%
• Common ancestry: Italian 7% Swedish 3% Romanian 2%
• Foreign-born: 7% · Canada, South Korea
• Languages at home: 89% English-only · Spanish 5% Other Asian/Pacific 3% Other Indo-European 1%

Political lean MEDSL · Allen

• 2024 margin: R (+12.5) · D 42.9% · R 55.4% · Other 1.7%
• 2008→2024 swing: -8.1pp toward R · 2008: -4.3pp · 2024: -12.5pp
• All cycles: 2024: R+12.5 2020: R+11.2 2016: R+19.6 2012: R+16.8 2008: R+4.3

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -60.59%
• Current HPI: 212.6029
• Rent YoY: —
• Metro: —
• State GDP YoY: ▲ 2.90%
• F500 in state: 18

Industry mix (Fortune 500 HQ in IN)

Industry	F500 HQs	Revenue
▸Industrial Machinery	2	$37B
▸Healthcare	1	$177B
▸Pharmaceuticals	1	$45B
▸Metals / Steel	1	$18B
▸Agriculture	1	$17B
▸Packaging	1	$12B

Price history

-2.6% since first listed

6 events — show timeline

• 2026-01-27 Price Changed $331,900 Zillow
• 2025-09-11 Price Changed $341,900 Zillow
• 2025-08-23 Price Changed $349,900 Zillow
• 2025-06-11 Price Changed $366,400 Zillow
• 2025-04-01 Price Changed $364,900 Zillow
• 2025-02-08 Listed $340,900 Zillow