98 Huntington Rd · Bridgeport, CT 06608

$350,000

3 bd · 2.0 ba · 1,895 sqft · SingleFamily public records · 12 Days on market

Built 1907 3,049 sqft lot Est $337k · at est.

---

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).

• Appreciation +10.0/10.0
• Cash flow +9.8/30.0
• ARV discount +5.8/15.0
• Livability +4.0/5.0
• Rent growth +3.6/5.0
• DSCR +2.8/10.0
• Condition / age +2.5/5.0
• 1% rule +2.3/10.0
• Schools +1.2/10.0

Listing remarks MLS

SINGLE FAMILY 3 BEDROOMS, 1 FULL BATHROOM, 1 FULL BASEMENT. PRICED TO SELL.

Key facts

• 3,049 sq ft lot
• Built 1907
• Listed 12 days

Property features AI

Exterior

• Utilities: Public water connected; Public sewer connected; 40-gallon hot water tank
• Home design: Single-family home
• Construction: Built with concrete construction; Stone foundation; Asphalt shingle roof
• Exterior features: Level lot; Vinyl siding

Interior

• Kitchen: Oven/Range; Refrigerator
• Bedrooms: 4 bedrooms
• Bathrooms: 1 full bathroom
• Heating & cooling: Hot water heating (natural gas); Window unit cooling
• Interior features: Full, unfinished basement; Total of 8 rooms

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $350k.

Deal economics

• At list price, monthly cash flow is $-221 ($-3k/yr) — negative.
• To cash-flow at today's rent, offer at most $311k (11.2% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $256k (26.7% below list).
• Recommended offer: $256k (26.7% below list) — sets the bar for 1% rule.

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: Rents rising fast (+4.3%/yr); 32 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals lingering (median 46d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 55% of comp listings sitting > 30 days — soft ceiling on asking rent; 852 units permitted in Greater Bridgeport Planning Region in 2024 (698 in 5+ unit buildings).
• At $2,564/mo this rent would consume 67% of the median local household income ($46k/yr) (locally 910% of renters already pay >50% of income on rent) — very limited rent-growth headroom before tenants either downsize or default.

Forward outlook

• In year one you build about $37k of equity ($2k loan paydown + $35k appreciation (10.0% local appreciation)).
• By year 2, paydown + projected appreciation supports a ~$60k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• Only 12 days on market — expect competitive offers; lowballing is unlikely to land.
• 4 sale attempts since 23y 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 $38k; list at $350k implies a 821% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: built in 1907 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: major wind risk, 41% 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 $256,409 (26.7% 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 1907 — 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 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?
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: 0.73% ✗
• Cap rate: 5.53%
• Cash-on-cash: -2.71%
• DSCR: 0.88
• GRM: 11.4

CMA / ARV

• ARV (on-the-fly): $337,310
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
604 William St	0.19mi	3/1.5	1,940 (+2%)	6mo	$275,000	$142	80
148 Orchard St	0.41mi	3/3.0	1,988 (+5%)	4mo	$455,000	$229	65
5 William Pl	0.38mi	3/1.5	1,771 (-6%)	6mo	$300,000	$169	65
107 Roosevelt St	0.22mi	3/1.5	1,807 (-5%)	18mo	$285,000	$158	65
308 Park St	0.29mi	4/2.0 (+1)	1,834 (-3%)	18mo	$355,000	$194	61
644 Huntington Rd	0.50mi	3/1.5	1,789 (-6%)	7mo	$440,000	$246	59
230 Hickory St	0.72mi	3/1.5	1,819 (-4%)	7mo	$463,795	$255	52
76 Porter St	0.62mi	3/1.5	2,051 (+8%)	5mo	$352,000	$172	51
485 Noble Ave	0.49mi	4/2.0 (+1)	1,673 (-12%)	6mo	$230,000	$137	48
65 Beach St	0.62mi	4/2.0 (+1)	1,738 (-8%)	10mo	$320,000	$184	44
94 Asylum St	0.51mi	2/1.0 (-1)	1,776 (-6%)	16mo	$255,000	$144	43
55 Rose St	0.55mi	2/1.0 (-1)	2,052 (+8%)	15mo	$365,000	$178	39

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

Projected returns pro-forma

10.0% appreciation · 4.35% rent growth · sell at horizon

5-year hold

• IRR: 22.7%
• Equity multiple: 2.84×
• Total profit: $179,992
• Equity at exit: $315,308

10-year hold

• IRR: 20.6%
• Equity multiple: 6.60×
• Total profit: $548,561
• Equity at exit: $679,973

Cash invested: $98,000 (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 06608

• Home prices YoY: 3.6%
• Rents YoY: 4.3%
• Active inventory: 32
• Price-to-rent: 11.4×

Monthly cashflow live

• Estimated rent: $2,564 high
• Mortgage (P&I): −$1,835
• Tax from tax record: −$266 /mo · $3,187/yr
• Insurance: −$146
• HOA: −$0
• Vacancy / Maint / Mgmt: −$538
• Net cashflow: $-221

Break-even live

Break-even rent $2,844

Max offer price $310,920

Occupancy floor —

Sensitivity live

Price	-10% $-23	-5% $-122	+0% $-221	+5% $-320	+10% $-419
Rent	-10% $-424	-5% $-323	+0% $-221	+5% $-120	+10% $-19
Rate	-1.0pp $-45	-0.5pp $-132	base $-221	+0.5pp $-312	+1.0pp $-404

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: $87,500
• Closing costs: $10,500
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
690 William St Unit 2 Bridgeport, CT	3.0	1.0	1746	$2,200	$1.26	25d	1	0.10mi
36-38 Pleasant St Unit 2 Bridgeport, CT	4.0	1.0	2395	$2,700	$1.13	16d	1	0.20mi
149-151 Shelton St Unit 151 Bridgeport, CT	2.0	1.0	2156	$2,000	$0.93	45d	1	0.25mi
52-54 Ives Ct Bridgeport, CT	4.0	1.0	2092	$2,750	$1.31	45d	1	0.28mi
141 Hicks St Bridgeport, CT	4.0	1.0	2311	$2,400	$1.04	25d	1	0.32mi
587 Brooks St Unit !st floor Bridgeport, CT	3.0	2.0	1500	$2,400	$1.60	45d	1	0.34mi
672 Brooks St Bridgeport, CT	4.0	1.0	1232	$3,300	$2.68	16d	1	0.36mi
227 Arctic St Bridgeport, CT	2.0	1.5	2586	$1,900	$0.73	45d	1	0.38mi
281 Harriet St Unit 281 Bridgeport, CT	4.0	2.5	2297	$3,900	$1.70	45d	1	0.47mi
279 Harriet St Bridgeport, CT	3.0	1.5	1392	$3,000	$2.16	25d	1	0.48mi
1325 Pembroke St Unit 2nd Floor Bridgeport, CT	3.0	1.0	1600	$3,500	$2.19	45d	1	0.49mi
95-97 Locust St Bridgeport, CT	2.0	1.0	2048	$1,800	$0.88	45d	1	0.50mi
95 Parrott Ave Bridgeport, CT	4.0	1.0	1782	$3,450	$1.94	25d	1	0.53mi
100 Horace St Bridgeport, CT	2.0	1.5	2533	$2,050	$0.81	45d	1	0.53mi
695 Shelton St Unit 1st Floor Bridgeport, CT	3.0	1.0	2387	$2,200	$0.92	45d	1	0.57mi
70 Hawthorne St Bridgeport, CT	3.0	1.5	2376	$3,500	$1.47	45d	1	0.62mi
530 Jane St Unit 2B Bridgeport, CT	3.0	2.0	2217	$3,400	$1.53	45d	1	0.63mi
2048 E Main St Bridgeport, CT	4.0	2.0	2000	$3,000	$1.50	45d	1	0.63mi
982 Pembroke St Unit 2L Bridgeport, CT	4.0	1.0	2043	$2,475	$1.21	5d	1	0.67mi
704 Maple St #704 Bridgeport, CT	3.0	1.5	1948	$2,700	$1.39	25d	1	0.71mi
2395 Main St Unit First Floor Bridgeport, CT	3.0	1.0	1262	$2,300	$1.82	13d	1	0.72mi
2395 Main St Unit Second Floor Bridgeport, CT	3.0	1.0	1262	$2,400	$1.90	45d	1	0.72mi
51 Indian Ave Unit 1546115P Bridgeport, CT	3.0	1.0	1388	$3,871	$2.79	13d	1	0.76mi
306 Madison Ave Bridgeport, CT	3.0	1.0	1300	$2,500	$1.92	45d	1	0.80mi
130 Catherine St Unit 128 Bridgeport, CT	3.0	2.0	1300	$1,800	$1.38	45d	1	0.80mi
93-95 Alpine St Bridgeport, CT	2.0	1.0	1720	$1,900	$1.10	45d	1	0.82mi
588 E Main St Unit C Bridgeport, CT	3.0	1.0	1400	$2,475	$1.77	16d	1	0.89mi
666 Capitol Ave Unit 2 Bridgeport, CT	3.0	1.0	1247	$2,400	$1.92	45d	1	0.89mi
2744 Main St Bridgeport, CT	2.0	1.0	1315	$2,250	$1.71	25d	1	0.91mi
143 Highland Ave Bridgeport, CT	4.0	1.0	1362	$2,500	$1.84	25d	1	0.99mi
93 Sanford Ave Unit 2 Bridgeport, CT	3.0	1.0	1230	$2,600	$2.11	25d	1	1.02mi
14 Infield St Bridgeport, CT	3.0	2.5	1344	$3,200	$2.38	45d	1	1.05mi
136 Sherman St Unit 142 Bridgeport, CT	4.0	1.5	2116	$2,800	$1.32	4d	1	1.10mi
125 Louisiana Ave #125 Bridgeport, CT	2.0	1.0	1448	$1,750	$1.21	45d	1	1.13mi
457 Summit St Bridgeport, CT	3.0	1.5	1511	$4,000	$2.65	45d	1	1.14mi
333 Ridgefield Ave Bridgeport, CT	3.0	1.0	1400	$2,250	$1.61	5d	1	1.16mi
335 Ridgefield Ave Bridgeport, CT	3.0	1.0	1400	$2,250	$1.61	5d	1	1.16mi
271 Vine St Unit 3 Bridgeport, CT	3.0	1.0	1749	$2,000	$1.14	5d	1	1.18mi
292 Ridgefield Ave Unit 2 Bridgeport, CT	4.0	1.0	1792	$2,650	$1.48	45d	1	1.19mi
292 Ridgefield Ave Unit 3 Bridgeport, CT	3.0	1.0	1792	$2,450	$1.37	45d	1	1.19mi

Listing history 18 events

1. 2026-06-10
   status $350,000 Under Contract 12 DOM
2. 2026-06-09
   days on market $350,000 Active 12 DOM
3. 2026-06-08
   days on market $350,000 Active 11 DOM
4. 2026-06-07
   days on market $350,000 Active 10 DOM
5. 2026-06-05
   days on market $350,000 Active 7 DOM
6. 2026-06-03
   days on market $350,000 Active 6 DOM
7. 2026-06-03
   days on market $350,000 Active 5 DOM
8. 2026-06-01
   days on market $350,000 Active 4 DOM
9. 2026-05-31
   days on market $350,000 Active 3 DOM
10. 2026-05-28
    listed $350,000 Active
11. 2016-02-12
    soldstatus $38,000 75-char remark

    Show marketing remark (75 chars)

    SINGLE FAMILY 3 BEDROOMS, 1 FULL BATHROOM, 1 FULL BASEMENT. PRICED TO SELL.

12. 2016-01-25
    historical 75-char remark

    Show marketing remark (75 chars)

    SINGLE FAMILY 3 BEDROOMS, 1 FULL BATHROOM, 1 FULL BASEMENT. PRICED TO SELL.

13. 2016-01-12
    listed $38,000 75-char remark

    Show marketing remark (75 chars)

    SINGLE FAMILY 3 BEDROOMS, 1 FULL BATHROOM, 1 FULL BASEMENT. PRICED TO SELL.

14. 2014-06-17
    historical
15. 2014-02-11
    listed $44,900
16. 2004-02-02
    soldstatus $140,000
17. 2003-03-27
    soldstatus $51,000
18. 2003-02-03
    listed $44,900

ⓘ 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: $3,187 · $266/mo
• Projected year-2 tax: $5,338 · $445/mo
• Expected delta: +$2,152/yr (+$179/mo · 67.5%)

ⓘ 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 41% 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: $30,769
• − Mortgage interest: −$19,605
• − Property taxes: −$3,187
• − Insurance: −$1,750
• − Repairs & maintenance: −$2,462
• − Management: −$2,462
• − Depreciation: −$10,182
• Taxable loss: −$8,878
• Est. tax savings @ 24.0%: +$2,131
• After-tax cash flow: $-524/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): 12,146
• Household income: $45,754
• Rent vs Own: 75.4% rent · 24.6% own
• Severe rent burden: 910.0

Population outlook (Greater Bridgeport County) Hauer SSP2

• By 2040: 365,581

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly Hispanic (69%)
• Race & ethnicity: Hispanic / Latino 69% Black 22% Two or more races 19% White 4% Asian 4%
• Hispanic origin (detail): Mexican 5% Puerto Rican 32% Cuban 1% Dominican 14%
• Common ancestry: Hispanic 1% Russian 1% Estonian 0%
• Foreign-born: 34% · Canada, Jamaica
• Languages at home: 33% English-only · Spanish 56% French/Haitian/Cajun 4% Other Asian/Pacific 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: ▲ 18.29%
• Current HPI: 530.5125
• Rent YoY: ▲ 4.35%
• 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

+679.5% since first listed

9 events — show timeline

• 2026-05-28 Listed $350,000 Smart MLS
• 2016-02-12 Sold (MLS) $38,000 Smart MLS
• 2016-01-25 Listing Removed — Smart MLS
• 2016-01-12 Listed $38,000 Smart MLS
• 2014-06-17 Listing Removed — Smart MLS
• 2014-02-11 Listed $44,900 Smart MLS
• 2004-02-02 Sold (Public Records) $140,000 Public Records
• 2003-03-27 Sold (MLS) $51,000 Smart MLS
• 2003-02-03 Listed $44,900 Smart MLS

Property tax history

-3.3%/yr

Latest (2023): $3,187 · +0.0% YoY. Source: county tax records.