366 Dover St · Bridgeport, CT 06610

$295,000

3 bd · 1.5 ba · 1,239 sqft · MultiFamily public records · 13 Days on market

Built 1917 3,049 sqft lot $238/sqft · 21% below area Est $373k · 21% under

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Why this score? — see what drove the B- 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 +26.2/30.0
• ARV discount +15.0/15.0
• DSCR +8.9/10.0
• 1% rule +7.0/10.0
• Livability +4.0/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Schools +1.2/10.0
• Appreciation +0.0/10.0

Multi-family units

County records classify this as Multi-Family (2-4 Unit). Listing-text estimate: 1 unit. estimate disagrees with records

Listing remarks MLS

HALF DUPLEX, TOWNHOUSE STYLE, WITH 6 ROOMS, 3 BEDROOMS, 2 FULL BATHS AND FINISHED BASEMENT. MILL HILL AREA, OFF BOSTON AVENUE. LOTS OF POTENTIAL! MOTIVATED SELLER!

Key facts

• 3,049 sq ft lot
• Built 1917
• Listed 13 days

Property features AI

Finance

• Financial info: Assessed value approximately $103,977

Exterior

• Utilities: Public water connected; Public sewer connected; Natural gas hot water
• Home design: Single-family home
• Construction: Frame construction; Concrete foundation; Shingle roof; Built living area approximately 1,239 (public record)
• Exterior features: Level to sloping lot; Aluminum siding

Interior

• Bedrooms: Three bedrooms
• Bathrooms: Two full bathrooms; One half bathroom
• Heating & cooling: Hot air heating; Natural gas as heat fuel; 40-gallon natural gas hot water tank
• Interior features: Six total rooms; Full, fully finished basement; Walk-up attic

What this means for you Summary

Snapshot

• This is a 3-bed/1.5-bath multifamily listed at $295k.

Deal economics

• At list price, monthly cash flow is $756 ($9k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($4k rent vs $295k).
• Cap rate 9.4% vs local median 5.0% in Bridgeport — 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 81/100 on livability (#15 in CT, #1,374 nationally) — a professional / high-income tenant draw. Strengths: amenities A+, commute A+, health & safety A+; Watch: crime C-, employment D+, schools D-.
• Bridgeport School District (urban): math 9% / reading 19% proficiency, ranked #151 of 153 in CT (top 99%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover; 97% free/reduced lunch — lower-income household profile, screen leases tightly.
• Market conditions: 68 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals at typical pace (median 22d on market — plan ~3-4 weeks tenant-placement turnaround); 852 units permitted in Greater Bridgeport Planning Region in 2024 (698 in 5+ unit buildings).
• At $3,547/mo this rent would consume 82% of the median local household income ($52k/yr) (locally 1368% 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 $2k of loan paydown is wiped out by about $9k of value loss. Plan a longer hold.
• At projected returns (-3.0% appreciation + 3.0% rent growth), your $83k cash investment doubles in ~10 years — after that, you're playing with house money.

Negotiation context

• Only 13 days on market — expect competitive offers; lowballing is unlikely to land.
• 7 sale attempts since 29y 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.

Risks & watch-outs

• Watch-outs: built in 1917 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: major wind risk, 54% 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 $295,000

Questions for the listing agent

1. Built in 1917 — 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. Schools are D-rated, which usually means shorter tenancies and higher turnover. Who's the typical renter profile here, and what's been the actual vacancy rate?
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 apartment / multifamily construction is in the pipeline within 1–3 miles? Heavy new supply (>2% of stock underway) typically softens rents 12–24 months out; light construction supports rent growth.

Investment metrics

• 1% rule: 1.20% ✓
• Cap rate: 9.37%
• Cash-on-cash: 10.98%
• DSCR: 1.49
• GRM: 6.9

CMA / ARV

• ARV (median comp): $373,263
• List price: $295,000
• Delta: -20.97%
• Verdict: UNDERPRICED
• Comps: 12 within 1.0 mi

Show comp detail 1 sale within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
880 Pearl Harbor St	0.56mi	2/2.0 (-1)	1,196 (-4%)	5mo	$356,700	$298	57

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: 0.1%
• Equity multiple: 1.00×
• Total profit: $387
• Equity at exit: $43,985

10-year hold

• IRR: 9.8%
• Equity multiple: 1.76×
• Total profit: $62,550
• Equity at exit: $25,506

Cash invested: $82,600 (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 06610

• Home prices YoY: -7.5%
• Active inventory: 68
• Price-to-rent: 13.9×

Monthly cashflow live

• Estimated rent: $3,547 high
• Mortgage (P&I): −$1,547
• Tax from tax record: −$376 /mo · $4,518/yr
• Insurance: −$123
• HOA: −$0
• Vacancy / Maint / Mgmt: −$745
• Net cashflow: $756

Break-even live

Break-even rent $2,590

Max offer price $295,000

Occupancy floor 74%

Sensitivity live

Price	-10% $923	-5% $839	+0% $756	+5% $672	+10% $589
Rent	-10% $475	-5% $616	+0% $756	+5% $896	+10% $1,036
Rate	-1.0pp $904	-0.5pp $831	base $756	+0.5pp $679	+1.0pp $601

2-unit breakdown (identical units grouped — click to expand)

Units	Beds	Baths	Est. rent
▸ 2× units	2	1	$3,546
Total (2 units)			$3,547

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: $73,750
• Closing costs: $8,850
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
371 Dover St Unit 371 Bridgeport, CT	2.0	1.0	900	$2,100	$2.33	44d	1	0.03mi
268 Bond St Bridgeport, CT	2.0	1.0	900	$2,200	$2.44	44d	1	0.10mi
144 Palisade Ave Bridgeport, CT	3.0	1.0	1096	$2,600	$2.37	44d	1	0.19mi
54 Remington St Bridgeport, CT	3.0	1.0	1004	$1,900	$1.89	4d	1	0.26mi
64 Velvet St Bridgeport, CT	3.0	1.0	1430	$2,500	$1.75	12d	1	0.28mi
600 Bond St Unit 113 Bridgeport, CT	2.0	1.0	893	$3,000	$3.36	44d	1	0.32mi
184 Pearl Harbor St Unit 2 Bridgeport, CT	2.0	1.0	850	$2,000	$2.35	24d	1	0.33mi
2156 Seaview Ave Fl LHS Bridgeport, CT	3.0	1.0	1000	$2,400	$2.40	44d	1	0.41mi
36 Carver St Unit 1 Bridgeport, CT	2.0	1.0	1094	$2,200	$2.01	24d	1	0.46mi
116 Hastings St Bridgeport, CT	2.0	1.5	857	$2,400	$2.80	15d	1	0.46mi
22-26 Carver St Bridgeport, CT	2.0	1.0	1094	$2,200	$2.01	12d	1	0.46mi
1145 Ogden St Unit 3R Bridgeport, CT	3.0	1.0	1000	$1,695	$1.70	15d	1	0.47mi
246 Judson Pl Apt B Bridgeport, CT	3.0	1.0	1000	$2,800	$2.80	15d	1	0.47mi
335 Ridgefield Ave Bridgeport, CT	3.0	1.0	1400	$2,250	$1.61	4d	1	0.48mi
333 Ridgefield Ave Bridgeport, CT	3.0	1.0	1400	$2,250	$1.61	4d	1	0.48mi
126 Goddard Ave Unit B Bridgeport, CT	2.0	1.0	1000	$1,995	$2.00	4d	1	0.53mi
231 Goddard Ave Unit 2ND Bridgeport, CT	2.0	1.0	950	$2,100	$2.21	4d	1	0.53mi
591 Pearl Harbor St Bridgeport, CT	2.0	1.0	900	$1,750	$1.94	4d	1	0.54mi
250 Summerfield Ave Unit 1 Bridgeport, CT	2.0	1.0	1000	$1,875	$1.88	3d	1	0.56mi
75 Judson Pl Bridgeport, CT	3.0	1.5	1384	$2,850	$2.06	15d	1	0.60mi
329 Orchard St Unit 2ND FLOOR Bridgeport, CT	2.0	1.0	990	$1,800	$1.82	44d	1	0.61mi
123 Summerfield Ave Bridgeport, CT	2.0	1.0	1026	$2,300	$2.24	44d	1	0.64mi
672 Brooks St Bridgeport, CT	4.0	1.0	1232	$3,300	$2.68	15d	1	0.65mi
228 Weber St Unit 2ndfl Stratford, CT	2.0	1.0	937	$2,100	$2.24	45d	1	0.66mi
110-112 Pixlee Pl Unit 2 Bridgeport, CT	2.0	1.0	1151	$1,800	$1.56	22d	1	0.66mi
1254 Pembroke St Unit 1st Floor Bridgeport, CT	2.0	1.0	738	$1,850	$2.51	15d	1	0.70mi
1248 Pembroke St Unit First Bridgeport, CT	3.0	1.0	1000	$1,950	$1.95	22d	1	0.71mi
53 Pixlee Pl Unit 2nd Bridgeport, CT	3.0	1.0	1475	$2,195	$1.49	4d	1	0.71mi
1248 Pembroke St Bridgeport, CT	3.0	1.0	1000	$1,850	$1.85	24d	1	0.71mi
587 Brooks St Unit !st floor Bridgeport, CT	3.0	2.0	1500	$2,400	$1.60	44d	1	0.71mi
129 Sage Ave Unit 2R Bridgeport, CT	2.0	1.0	1030	$1,750	$1.70	22d	1	0.72mi
285 Clover St Unit 2 Stratford, CT	3.0	1.0	1152	$2,150	$1.87	44d	1	0.73mi
285 Clover St Unit 2 Stratford, CT	2.0	1.0	1152	$2,150	$1.87	24d	1	0.73mi
530 Jane St Unit 2 Bridgeport, CT	2.0	1.0	800	$2,200	$2.75	44d	1	0.74mi
476 Brooks St Unit 2-478 Bridgeport, CT	2.0	1.0	963	$1,750	$1.82	24d	1	0.74mi
619 Shelton St Fl R Bridgeport, CT	2.0	1.0	837	$2,050	$2.45	44d	1	0.74mi
253 East Ave Unit 253 Bridgeport, CT	2.0	1.0	1267	$1,750	$1.38	24d	1	0.74mi
282 Texas Ave Unit Nob Bridgeport, CT	2.0	1.0	980	$2,000	$2.04	15d	1	0.77mi
1333 E Main St Apt 1 Bridgeport, CT	2.0	1.0	700	$1,700	$2.43	4d	1	0.80mi
1333 E Main St #5 Bridgeport, CT	2.0	1.0	700	$1,650	$2.36	4d	1	0.80mi

Listing history 20 events

1. 2026-05-13
   status Under Contract 515-char remark
2. 2026-04-30
   listed $295,000 Active 515-char remark
3. 2019-11-22
   soldstatus $72,500
4. 2019-11-21
   soldstatus $72,500
5. 2019-09-09
   soldstatus $72,500 Closed 163-char remark

   Show marketing remark (163 chars)

   HALF DUPLEX, TOWNHOUSE STYLE, WITH 6 ROOMS, 3 BEDROOMS, 2 FULL BATHS AND FINISHED BASEMENT. MILL HILL AREA, OFF BOSTON AVENUE. LOTS OF POTENTIAL! MOTIVATED SELLER!

6. 2019-09-01
   historical 163-char remark

   Show marketing remark (163 chars)

   HALF DUPLEX, TOWNHOUSE STYLE, WITH 6 ROOMS, 3 BEDROOMS, 2 FULL BATHS AND FINISHED BASEMENT. MILL HILL AREA, OFF BOSTON AVENUE. LOTS OF POTENTIAL! MOTIVATED SELLER!

7. 2019-08-08
   status Active 163-char remark

   Show marketing remark (163 chars)

   HALF DUPLEX, TOWNHOUSE STYLE, WITH 6 ROOMS, 3 BEDROOMS, 2 FULL BATHS AND FINISHED BASEMENT. MILL HILL AREA, OFF BOSTON AVENUE. LOTS OF POTENTIAL! MOTIVATED SELLER!

8. 2019-07-13
   historical 163-char remark

   Show marketing remark (163 chars)

   HALF DUPLEX, TOWNHOUSE STYLE, WITH 6 ROOMS, 3 BEDROOMS, 2 FULL BATHS AND FINISHED BASEMENT. MILL HILL AREA, OFF BOSTON AVENUE. LOTS OF POTENTIAL! MOTIVATED SELLER!

9. 2019-06-24
   price $80,000 163-char remark

   Show marketing remark (163 chars)

   HALF DUPLEX, TOWNHOUSE STYLE, WITH 6 ROOMS, 3 BEDROOMS, 2 FULL BATHS AND FINISHED BASEMENT. MILL HILL AREA, OFF BOSTON AVENUE. LOTS OF POTENTIAL! MOTIVATED SELLER!

10. 2019-05-08
    listed $99,000 Active 163-char remark

    Show marketing remark (163 chars)

    HALF DUPLEX, TOWNHOUSE STYLE, WITH 6 ROOMS, 3 BEDROOMS, 2 FULL BATHS AND FINISHED BASEMENT. MILL HILL AREA, OFF BOSTON AVENUE. LOTS OF POTENTIAL! MOTIVATED SELLER!

11. 2014-12-10
    soldstatus $65,000
12. 2014-12-08
    soldstatus $65,000

    Show marketing remark (152 chars)

    HALF DUPLEX, TOWNHOUSE STYLE, WITH 6 ROOMS, 3 BEDROOMS, 2 FULL BATHS AND FINISHED BASEMENT. MILL HILL AREA, OFF BOSTON AVENUE. BUYING BEATS PAYING RENT.

13. 2014-09-15
    listed $69,900

    Show marketing remark (152 chars)

    HALF DUPLEX, TOWNHOUSE STYLE, WITH 6 ROOMS, 3 BEDROOMS, 2 FULL BATHS AND FINISHED BASEMENT. MILL HILL AREA, OFF BOSTON AVENUE. BUYING BEATS PAYING RENT.

14. 2013-03-25
    soldstatus $25,000
15. 2013-02-06
    listed $27,500
16. 2000-01-07
    soldstatus $48,500
17. 2000-01-07
    soldstatus $48,500
18. 1999-03-29
    listed $51,550
19. 1998-06-09
    historical
20. 1997-06-09
    listed $45,500

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

Tax reassessment forecast CT · Partial reset (capped growth)

• Current annual tax: $4,518 · $376/mo
• Projected year-2 tax: $5,416 · $451/mo
• Expected delta: +$898/yr (+$75/mo · 19.9%)

ⓘ 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 6/10 Major 7 d/yr ≥97°F today · 15 d/yr by 30 yrs out
• 💨 Wind 6/10 Major 54% chance of damaging wind over 30 yrs
• 🫁 Air quality 4/10 Moderate 5 unhealthy d/yr today · 7 by 30 yrs out

Taxation est. · year 1

• Rental income: $42,564
• − Mortgage interest: −$16,525
• − Property taxes: −$4,518
• − Insurance: −$1,475
• − Repairs & maintenance: −$3,405
• − Management: −$3,405
• − Depreciation: −$8,582
• Taxable income: $4,654
• Est. tax owed @ 24.0%: −$1,117
• After-tax cash flow: $7,951/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: Bridgeport School District
• NCES district ID: 0900450
• Math proficiency: 9% ▼ -7.00%
• Reading proficiency: 19% ▼ -10.00%
• Median HH income: $41,507
• Composite: 12.09/100
• National rank: #9656
• State rank: #151 of 153 in CT

Livability — Bridgeport

• Score: 81/100
• State rank: #15
• US rank: #1374

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Bridgeport, CT
• County: Fairfield County · 765,532 people
• City population: 149,153
• Metro: Bridgeport-Stamford-Norwalk, CT
• Population (ZIP): 22,020
• Household income: $51,634
• Rent vs Own: 50.6% rent · 49.4% own
• Severe rent burden: 1368.0

Population outlook (Greater Bridgeport County) Hauer SSP2

• By 2040: 365,581

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Diverse neighborhood (Simpson 0.65)
• Race & ethnicity: Hispanic / Latino 51% Black 23% White 20% Two or more races 14% Asian 3% Native American 1%
• Hispanic origin (detail): Mexican 3% Puerto Rican 30% Dominican 6%
• Common ancestry: Romanian 4% Estonian 3% Hispanic 2%
• Foreign-born: 31% · Canada, Jamaica, Vietnam
• Languages at home: 47% English-only · Spanish 40% Other Indo-European 5% Russian/Polish/Slavic 3%

Political lean MEDSL · Greater Bridgeport

• 2024 margin: Strong D (+23.3) · D 60.9% · R 37.6% · Other 1.5%
• All cycles: 2024: D+23.3

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -29.78%
• Current HPI: 370.1432
• Rent YoY: —
• 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

+504.4% since first listed

21 events — show timeline

• 2026-06-10 Sold (MLS) $275,000 Smart MLS
• 2026-05-13 Pending — Smart MLS
• 2026-04-30 Listed $295,000 Smart MLS
• 2019-11-22 Sold (Public Records) $72,500 Public Records
• 2019-11-21 Sold (Public Records) $72,500 Public Records
• 2019-09-09 Sold (MLS) $72,500 Smart MLS
• 2019-09-01 Listing Removed — Smart MLS
• 2019-08-08 Relisted — Smart MLS
• 2019-07-13 Listing Removed — Smart MLS
• 2019-06-24 Price Changed $80,000 Smart MLS
• 2019-05-08 Listed $99,000 Smart MLS
• 2014-12-10 Sold (Public Records) $65,000 Public Records
• 2014-12-08 Sold (MLS) $65,000 Smart MLS
• 2014-09-15 Listed $69,900 Smart MLS
• 2013-03-25 Sold (MLS) $25,000 Smart MLS
• 2013-02-06 Listed $27,500 Smart MLS
• 2000-01-07 Sold (Public Records) $48,500 Public Records
• 2000-01-07 Sold (MLS) $48,500 Smart MLS
• 1999-03-29 Listed $51,550 Smart MLS
• 1998-06-09 Listing Removed — Smart MLS
• 1997-06-09 Listed $45,500 Smart MLS

Property tax history

+2.4%/yr

Latest (2023): $4,518 · +0.0% YoY. Source: county tax records.