142 Pine Cir · Bennington, VT 05201

$225,000

4 bd · 2.0 ba · 2,514 sqft · SingleFamily public records · 12 Days on market

Built 1970 0.44 ac lot Est $400k · 44% 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 +17.4/30.0
• ARV discount +15.0/15.0
• DSCR +5.4/10.0
• Schools +5.0/10.0
• 1% rule +4.8/10.0
• Livability +3.2/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks

Opportunity is knocking. .. answer the door! This home in a sought-after neighborhood on an almost half acre lot is the investment you've been looking for. Close to downtown shopping and dining, as well as the award-winning Southwestern Vermont Medical Center. Features include an attached two car garage, wood floors, mini-split in living room, fireplace, wood floors, dining room, primary bedroom with ensuite 3/4 bathroom, deck, and more. All four bedrooms and two bathrooms are on one level. The walk-out basement was once partially finished and could be plenty of extra living space. Come bring this property back to life! Not eligible for most loan programs.

Key facts

• Almost half acre lot
• Fireplace
• 0.44 acre lot

Tags

• ALMOST HALF ACRE LOT
• CLOSE TO DOWNTOWN SHOPPING
• ATTACHED TWO CAR GARAGE
• MINI-SPLIT IN LIVING ROOM
• FIREPLACE
• PRIMARY BEDROOM WITH ENSUITE

Property features AI

Finance

• Other: Documents available: Deed, Other, Tax Map
• Financial info: Foreclosed / Bank-Owned / REO

Exterior

• Parking: 2-car garage
• Utilities: Public water; Public sewer; Circuit breaker electrical service; Fiber optic and high-speed internet available; Cable available; Telephone available
• Home design: Ranch-style home; Existing (built in 1970); Light blue exterior; Shingle roof
• Construction: Wood frame construction with wood siding; Built in 1970
• Exterior features: Sloping, wooded lot in town and in a neighborhood; Near shopping, public transportation, and hospital; Paved driveway; Public road frontage (approximately 100 feet)

Interior

• Kitchen: Dishwasher; Refrigerator
• Flooring: Carpet; Vinyl; Wood
• Bathrooms: 1 full bathroom; 1 three-quarter bathroom
• Heating & cooling: Oil heat; Baseboard heat; Mini split heating; Mini split cooling
• Interior features: 7 total rooms; Concrete basement with full daylight walkout, interior and exterior access, interior stairs, and storage space

What this means for you Summary

Snapshot

• This is a 4-bed/2.0-bath single-family listed at $225k.

Deal economics

• At list price, monthly cash flow is $170 ($2k/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 $220k (2.1% below list).
• Recommended offer: $220k (2.1% below list) — sets the bar for 1% rule.
• Cap rate 7.2% vs local median 5.0% in Bennington — 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 64/100 on livability (#63 in VT) — a middle-class / working-renter tenant base. Strengths: housing A+, health & safety A+, cost of living A; Watch: employment C-, crime D, schools F.
• Market conditions: 66 active listings in the ZIP; 59 units permitted in Bennington County in 2024 (0 in 5+ unit buildings).
• This rent runs 44% of the median local income ($60k/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 $7k of value loss. Plan a longer hold.
• Bennington County population projected at -23% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.

Negotiation context

• Only 12 days on market — expect competitive offers; lowballing is unlikely to land.

Recommended offer $220,382 (2.1% below list)

Questions for the listing agent

1. Built in 1970 — 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 F-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. Crime grade is D in this area — have there been break-ins, vandalism, or insurance claims at this property in the last 3 years? What carrier currently insures it and at what premium?
5. 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.
6. 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.
7. 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: 0.98% ✗
• Cap rate: 7.20%
• Cash-on-cash: 3.24%
• DSCR: 1.14
• GRM: 8.5

CMA / ARV

• ARV (on-the-fly): $399,726
• Comps found: 7

Show comp detail 7 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
197 Crescent Blvd	0.11mi	4/2.5	2,248 (-11%)	12mo	$315,000	$140	65
120 Imperial Ave	0.42mi	4/2.5	2,404 (-4%)	9mo	$240,000	$100	64
320 Crescent Blvd	0.26mi	3/1.5 (-1)	2,391 (-5%)	18mo	$385,000	$161	57
153 Pine Cir	0.03mi	3/3.0 (-1)	2,276 (-10%)	24mo	$400,000	$176	54
706 Jefferson Hts	0.41mi	5/4.0 (+1)	2,244 (-11%)	2mo	$525,000	$234	48
106 Putnam St	0.63mi	4/3.0	2,308 (-8%)	12mo	$322,000	$140	43
308 Elm St	0.73mi	3/2.5 (-1)	2,218 (-12%)	2mo	$353,000	$159	38

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: -11.2%
• Equity multiple: 0.59×
• Total profit: $-25,572
• Equity at exit: $33,548

10-year hold

• IRR: -1.9%
• Equity multiple: 0.87×
• Total profit: $-8,130
• Equity at exit: $19,454

Cash invested: $63,000 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

• Overall (STATE): 41 Moderately Tenant-Leaning
• State Vermont: 41 Moderately Tenant-Leaning · D+15
• County: — inherits STATE
• City: — inherits STATE

Just-cause in Burlington (2022); strong habitability.

Methodology + full state rankings →

ZIP-level market 05201

• Home prices YoY: -19.3%
• Active inventory: 66
• Price-to-rent: 8.5×

Monthly cashflow live

• Estimated rent: $2,204 medium
• Mortgage (P&I): −$1,180
• Tax from tax record: −$297 /mo · $3,565/yr
• Insurance: −$94
• HOA: −$0
• Vacancy / Maint / Mgmt: −$463
• Net cashflow: $170

Break-even live

Break-even rent $1,988

Max offer price $225,000

Occupancy floor 87%

Sensitivity live

Price	-10% $298	-5% $234	+0% $170	+5% $107	+10% $43
Rent	-10% $-4	-5% $83	+0% $170	+5% $257	+10% $344
Rate	-1.0pp $284	-0.5pp $227	base $170	+0.5pp $112	+1.0pp $53

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: $56,250
• Closing costs: $6,750
• Reserves months: —
• Total cash needed: —

Listing history 10 events

1. 2026-06-21
   days on market $225,000 Active 12 DOM
2. 2026-06-19
   days on market $225,000 Active 10 DOM
3. 2026-06-18
   days on market $225,000 Active 9 DOM
4. 2026-06-17
   days on market $225,000 Active 8 DOM
5. 2026-06-16
   days on market $225,000 Active 7 DOM
6. 2026-06-15
   days on market $225,000 Active 6 DOM
7. 2026-06-14
   days on market $225,000 Active 4 DOM
8. 2026-06-12
   days on market $225,000 Active 3 DOM
9. 2026-06-09
   remarks 664-char remark
10. 2026-06-09
    listed $225,000 Active 1 DOM

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

Tax reassessment forecast VT · Partial reset (capped growth)

• Current annual tax: $3,565 · $297/mo
• Projected year-2 tax: $3,920 · $327/mo
• Expected delta: +$355/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 FEMA zone X (unshaded) · 0% chance over 30 yrs
• 🔥 Wildfire 1/10 Low
• 🌡 Heat 2/10 Low 7 d/yr ≥92°F today · 16 d/yr by 30 yrs out
• 💨 Wind 3/10 Moderate 7% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 0 unhealthy d/yr today · 1 by 30 yrs out

Taxation est. · year 1

• Rental income: $26,446
• − Mortgage interest: −$12,603
• − Property taxes: −$3,565
• − Insurance: −$1,125
• − Repairs & maintenance: −$2,116
• − Management: −$2,116
• − Depreciation: −$6,545
• Taxable loss: −$1,624
• Est. tax savings @ 24.0%: +$390
• After-tax cash flow: $2,433/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)

No district data.

Livability — Bennington

• Score: 64/100
• State rank: #63
• US rank: #14446

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Bennington, VT
• County: Bennington County · 14,998 people
• City population: 14,998
• Metro: Bennington, VT
• Population (ZIP): 14,998
• Household income: $59,798
• Rent vs Own: 39.1% rent · 60.9% own
• Severe rent burden: 982.0

Population outlook (Bennington County) Hauer SSP2

• Today (2025): 34,407 people
• By 2030: 32,975 · -4.2%
• By 2040: 29,711 · -13.6%
• By 2050: 26,638 · -22.6%
• By 2075: 21,318 · -38.0%
• By 2100: 16,086 · -53.2%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (92%)
• Race & ethnicity: White 92% Two or more races 4% Hispanic / Latino 3%
• Common ancestry: Lithuanian 10% Slovak 7% Romanian 3%
• Foreign-born: 2% · Canada
• Languages at home: 96% English-only · Spanish 2% Other Indo-European 1%

Political lean MEDSL · Bennington

• 2024 margin: Strong D (+22.5) · D 60.0% · R 37.5% · Other 2.6%
• 2008→2024 swing: -10.9pp toward R · 2008: 33.4pp · 2024: 22.5pp
• All cycles: 2024: D+22.5 2020: D+27.3 2016: D+22.1 2012: D+33.3 2008: D+33.4

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -60.78%
• Current HPI: 254.5149
• Rent YoY: —
• Metro: Bennington, VT
• State GDP YoY: —
• F500 in state: 0

Price history

1 event — show timeline

• 2026-06-09 Listed $225,000 PrimeMLS

Property tax history

+8.1%/yr

Latest (2024): $3,565 · +38.5% YoY. Source: county tax records.