4 Skinner St · Claremont, NH 03743

$200,000

3 bd · 1.0 ba · 968 sqft · SingleFamily public records · 2 Days on market

Built 1905 9,583 sqft lot Est $233k · 14% 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).

• ARV discount +13.9/15.0
• Cash flow +12.4/30.0
• Appreciation +5.1/10.0
• 1% rule +4.8/10.0
• DSCR +3.7/10.0
• Livability +3.5/5.0
• Rent growth +2.5/5.0
• Schools +2.5/10.0
• Condition / age +2.5/5.0

Listing remarks MLS

Don’t miss the opportunity to call this special property your new home. A Diamond in the rough! There have been several improvements made to this home over the last 19 years the seller has owned this property. There are still a few cosmetic things needed and some repairs, but this is reflected in the price. You will find a huge eat-in updated kitchen loaded with cabinets and newer appliances. Updated Large Full bath, still needing some finishing touches, large living room, with plenty of light through newer windows. You will also find ceramic and wood floors, and many newer light fixtures. The home is vinyl sided. Half of the roof is updated metal and the other half is shingled. You will be very impressed with the large two car detached finished garage with pull downstairs for extra storage above! You will also love the large level side yard, hard to find for in most intown properties like this. The property is in a quiet neighborhood, very convenient to downtown and shopping. There has been some extra insulation and weather proofing done to help make the home more energy efficient. This home has nice curb appeal, and some nice landscaping with a granite lined driveway. Property is being sold “AS IS”! Delayed Showings Start May 8 TH Starting after 1PM

Key facts

• Updated appliances
• Fenced side yard
• Newer windows

Tags

• DETACHED GARAGE
• FENCED SIDE YARD
• UPDATED APPLIANCES
• NEWER WINDOWS
• CUSTOM BLINDS
• CHICKEN COOP

Property features AI

Exterior

• Parking: 2-car garage
• Utilities: Public water; Public sewer; 100 Amp service with circuit breakers; High-speed internet available; Cable available; Telephone available
• Home design: Cape-style home; Existing structure; Green exterior color
• Construction: Built in 1905; Wood frame construction; Metal and shingle roof
• Exterior features: Landscaped lot; Level to sloping terrain; Neighborhood setting; Near hospital; Paved driveway; Road frontage on a public, paved, maintained road (approximately 148 feet)

Interior

• Kitchen: Dishwasher; Gas range; Refrigerator
• Flooring: Ceramic tile; Hardwood; Softwood
• Bathrooms: One full bathroom
• Heating & cooling: Oil-fired hot water heat
• Interior features: Six total rooms; Full basement with walk-up access and bulkhead; Ceramic tile, hardwood, and softwood flooring
• Laundry & utility: Washer; Dryer

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $200k.

Deal economics

• At list price, monthly cash flow is $-31 ($-377/yr) — negative.
• To cash-flow at today's rent, offer at most $194k (2.8% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $196k (2.0% below list).
• Recommended offer: $194k (2.8% below list) — sets the bar for cash-flow.
• Cap rate 6.1% vs local median 3.3% in Claremont — 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 69/100 on livability (#50 in NH) — a middle-class / working-renter tenant base. Strengths: cost of living A+, health & safety A+, housing A; Watch: employment C-, amenities F, commute F.
• Claremont School District (town): math 24% / reading 35% proficiency, ranked #85 of 98 in NH (top 87%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover.
• Zoned schools: Claremont Middle School (math 23% / reading 38%, grade F, #68 of 96 statewide, top 72%, 354 students, 40% FRL); Stevens High School (math 32% / reading 42%, grade F, #69 of 90 statewide, top 78%, 525 students, 28% FRL).
• Market conditions: 59 active listings in the ZIP; 4 comparable units currently listed for rent nearby; rentals lingering (median 46d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 100% of comp listings sitting > 30 days — soft ceiling on asking rent; 98 units permitted in Sullivan County in 2024 (0 in 5+ unit buildings).
• This rent runs 39% of the median local income ($60k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.

Forward outlook

• In year one you build about $2k of equity ($1k loan paydown + $403 appreciation (0.2% local appreciation)).
• Sullivan County population projected at -20% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.

Negotiation context

• Only 2 days on market — expect competitive offers; lowballing is unlikely to land.
• 2 sale attempts since 3y ago; this cycle's ask has dropped $39k (16%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Risks & watch-outs

• Watch-outs: property tax is 2.7% of price; built in 1905 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $194,444 (2.8% 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 1905 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. Property tax is high relative to price — has the assessment been appealed recently, and will the sale trigger a re-assessment?
4. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
5. 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?
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: 0.98% ✗
• Cap rate: 6.10%
• Cash-on-cash: -0.67%
• DSCR: 0.97
• GRM: 8.5

CMA / ARV

• ARV (on-the-fly): $233,288
• Comps found: 9

Show comp detail 9 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
3 Pillsbury St	0.07mi	3/1.0	918 (-5%)	16mo	$200,000	$218	74
24 Beauregard St	0.58mi	2/1.5 (-1)	988 (+2%)	1mo	$95,000	$96	62
65 W Terrace St	0.07mi	3/1.5	1,095 (+13%)	18mo	$185,000	$169	58
3 Albion Ave	0.53mi	3/1.0	1,022 (+6%)	11mo	$295,000	$289	57
16 Providence Ave	0.67mi	3/1.0	864 (-11%)	12mo	$255,000	$295	41
4 Maynard St	0.38mi	2/1.0 (-1)	1,078 (+11%)	22mo	$285,000	$264	40
40 Maria St	0.63mi	3/1.0	842 (-13%)	11mo	$205,000	$243	40
14 Lonsdale Ave	0.70mi	2/1.0 (-1)	1,076 (+11%)	20mo	$214,900	$200	27
8 Wildwood Ave	0.72mi	3/1.0	832 (-14%)	22mo	$200,300	$241	25

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

Projected returns pro-forma

0.2% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: -2.2%
• Equity multiple: 0.90×
• Total profit: $-5,800
• Equity at exit: $60,098

10-year hold

• IRR: 3.4%
• Equity multiple: 1.38×
• Total profit: $21,388
• Equity at exit: $73,876

Cash invested: $56,000 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

• Overall (STATE): 56 Moderately Landlord-Leaning
• State New Hampshire: 56 Moderately Landlord-Leaning · D+1
• County: — inherits STATE
• City: — inherits STATE

Has just-cause statute; 30-day notice; landlord-leaning vs. neighbors.

Methodology + full state rankings →

ZIP-level market 03743

• Home prices YoY: 0.1%
• Active inventory: 59
• Price-to-rent: 8.5×

Monthly cashflow live

• Estimated rent: $1,959 medium
• Mortgage (P&I): −$1,049
• Tax from tax record: −$447 /mo · $5,366/yr
• Insurance: −$83
• HOA: −$0
• Vacancy / Maint / Mgmt: −$411
• Net cashflow: $-31

Break-even live

Break-even rent $1,999

Max offer price $194,444

Occupancy floor 97%

Sensitivity live

Price	-10% $82	-5% $25	+0% $-31	+5% $-88	+10% $-145
Rent	-10% $-186	-5% $-109	+0% $-31	+5% $46	+10% $123
Rate	-1.0pp $69	-0.5pp $19	base $-31	+0.5pp $-83	+1.0pp $-136

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: $50,000
• Closing costs: $6,000
• Reserves months: —
• Total cash needed: —

Rent comps 4 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
27 School St Apt D Claremont, NH	2.0	1.0	600	$1,850	$3.08	45d	1	0.63mi
15 Lincoln Hts Claremont, NH	2.0–3.0	1.0–1.5	800	$2,205	$2.76	45d	1	0.67mi
109 Pleasant St Unit 203 Claremont, NH	3.0	1.0	1100	$1,850	$1.68	45d	1	0.76mi
15 Highland Ave Claremont, NH	2.0	1.0	635	$1,800	$2.83	45d	1	1.11mi

Listing history 17 events

1. 2026-06-21
   days on market $200,000 Active 2 DOM
2. 2026-06-19
   pricedays on marketlisting id $200,000 Active 1 DOM
3. 2026-06-08
   days on market $232,900 Active 21 DOM
4. 2026-06-07
   days on market $232,900 Active 20 DOM
5. 2026-06-05
   days on market $232,900 Active 17 DOM
6. 2026-06-03
   days on market $232,900 Active 16 DOM
7. 2026-06-03
   remarks 699-char remark
8. 2026-06-02
   days on market $232,900 Active 15 DOM
9. 2026-06-01
   days on market $232,900 Active 14 DOM
10. 2026-05-31
    days on market $232,900 Active 13 DOM
11. 2026-05-30
    days on market $232,900 Active 12 DOM
12. 2026-05-18
    listed $239,000 Active
13. 2023-06-29
    soldstatus $180,000 Closed 1290-char remark

    Show marketing remark (1290 chars)

    Don’t miss the opportunity to call this special property your new home. A Diamond in the rough! There have been several improvements made to this home over the last 19 years the seller has owned this property. There are still a few cosmetic things needed and some repairs, but this is reflected in the price. You will find a huge eat-in updated kitchen loaded with cabinets and newer appliances. Updated Large Full bath, still needing some finishing touches, large living room, with plenty of light through newer windows. You will also find ceramic and wood floors, and many newer light fixtures. The home is vinyl sided. Half of the roof is updated metal and the other half is shingled. You will be very impressed with the large two car detached finished garage with pull downstairs for extra storage above! You will also love the large level side yard, hard to find for in most intown properties like this. The property is in a quiet neighborhood, very convenient to downtown and shopping. There has been some extra insulation and weather proofing done to help make the home more energy efficient. This home has nice curb appeal, and some nice landscaping with a granite lined driveway. Property is being sold “AS IS”! Delayed Showings Start May 8 TH Starting after 1PM

14. 2023-06-29
    soldstatus $180,000

    Show marketing remark (1290 chars)

    Don’t miss the opportunity to call this special property your new home. A Diamond in the rough! There have been several improvements made to this home over the last 19 years the seller has owned this property. There are still a few cosmetic things needed and some repairs, but this is reflected in the price. You will find a huge eat-in updated kitchen loaded with cabinets and newer appliances. Updated Large Full bath, still needing some finishing touches, large living room, with plenty of light through newer windows. You will also find ceramic and wood floors, and many newer light fixtures. The home is vinyl sided. Half of the roof is updated metal and the other half is shingled. You will be very impressed with the large two car detached finished garage with pull downstairs for extra storage above! You will also love the large level side yard, hard to find for in most intown properties like this. The property is in a quiet neighborhood, very convenient to downtown and shopping. There has been some extra insulation and weather proofing done to help make the home more energy efficient. This home has nice curb appeal, and some nice landscaping with a granite lined driveway. Property is being sold “AS IS”! Delayed Showings Start May 8 TH Starting after 1PM

15. 2023-05-18
    historical Active with Contract 1290-char remark

    Show marketing remark (1290 chars)

    Don’t miss the opportunity to call this special property your new home. A Diamond in the rough! There have been several improvements made to this home over the last 19 years the seller has owned this property. There are still a few cosmetic things needed and some repairs, but this is reflected in the price. You will find a huge eat-in updated kitchen loaded with cabinets and newer appliances. Updated Large Full bath, still needing some finishing touches, large living room, with plenty of light through newer windows. You will also find ceramic and wood floors, and many newer light fixtures. The home is vinyl sided. Half of the roof is updated metal and the other half is shingled. You will be very impressed with the large two car detached finished garage with pull downstairs for extra storage above! You will also love the large level side yard, hard to find for in most intown properties like this. The property is in a quiet neighborhood, very convenient to downtown and shopping. There has been some extra insulation and weather proofing done to help make the home more energy efficient. This home has nice curb appeal, and some nice landscaping with a granite lined driveway. Property is being sold “AS IS”! Delayed Showings Start May 8 TH Starting after 1PM

16. 2023-05-02
    listed $179,900 Active 1290-char remark

    Show marketing remark (1290 chars)

    Don’t miss the opportunity to call this special property your new home. A Diamond in the rough! There have been several improvements made to this home over the last 19 years the seller has owned this property. There are still a few cosmetic things needed and some repairs, but this is reflected in the price. You will find a huge eat-in updated kitchen loaded with cabinets and newer appliances. Updated Large Full bath, still needing some finishing touches, large living room, with plenty of light through newer windows. You will also find ceramic and wood floors, and many newer light fixtures. The home is vinyl sided. Half of the roof is updated metal and the other half is shingled. You will be very impressed with the large two car detached finished garage with pull downstairs for extra storage above! You will also love the large level side yard, hard to find for in most intown properties like this. The property is in a quiet neighborhood, very convenient to downtown and shopping. There has been some extra insulation and weather proofing done to help make the home more energy efficient. This home has nice curb appeal, and some nice landscaping with a granite lined driveway. Property is being sold “AS IS”! Delayed Showings Start May 8 TH Starting after 1PM

17. 2004-08-17
    soldstatus $133,800

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

Tax reassessment forecast NH · Partial reset (capped growth)

• Current annual tax: $5,366 · $447/mo
• Projected year-2 tax: $5,366 · $447/mo
• Expected delta: $0/yr ($0/mo · 0.0%)

ⓘ 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 3/10 Moderate 7 d/yr ≥92°F today · 17 d/yr by 30 yrs out
• 💨 Wind 3/10 Moderate 7% chance of damaging wind over 30 yrs
• 🫁 Air quality 1/10 Low 0 unhealthy d/yr today · 0 by 30 yrs out

Taxation est. · year 1

• Rental income: $23,512
• − Mortgage interest: −$11,203
• − Property taxes: −$5,366
• − Insurance: −$1,000
• − Repairs & maintenance: −$1,881
• − Management: −$1,881
• − Depreciation: −$5,818
• Taxable loss: −$3,637
• Est. tax savings @ 24.0%: +$873
• After-tax cash flow: $496/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: Claremont School District
• NCES district ID: 3302340
• Math proficiency: 24% ▼ -7.00%
• Reading proficiency: 35% ▼ -5.00%
• Median HH income: $43,285
• Composite: 25.11/100
• National rank: #7528
• State rank: #85 of 98 in NH

Livability — Claremont

• Score: 69/100
• State rank: #50
• US rank: #8815

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Claremont, NH
• County: Sullivan County · 16,826 people
• City population: 13,704
• Metro: Lebanon, NH-VT
• Population (ZIP): 13,704
• Household income: $59,625
• Rent vs Own: 41.8% rent · 58.2% own
• Severe rent burden: 642.0

Population outlook (Sullivan County) Hauer SSP2

• Today (2025): 41,322 people
• By 2030: 39,910 · -3.4%
• By 2040: 36,447 · -11.8%
• By 2050: 32,917 · -20.3%
• By 2075: 25,997 · -37.1%
• By 2100: 19,479 · -52.9%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (87%)
• Race & ethnicity: White 87% Two or more races 6% Hispanic / Latino 5% Black 1%
• Hispanic origin (detail): Puerto Rican 4%
• Common ancestry: Lithuanian 18% Slovak 4% Romanian 3%
• Foreign-born: 2% · Canada
• Languages at home: 97% English-only · Spanish 3%

Political lean MEDSL · Sullivan

• 2024 margin: Toss-up / Even · D 49.1% · R 49.8% · Other 1.2%
• 2008→2024 swing: -18.7pp toward R · 2008: 18.0pp · 2024: -0.7pp
• All cycles: 2024: R+0.7 2020: D+3.6 2016: R+2.6 2012: D+13.3 2008: D+18.0

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▲ 0.20%
• Current HPI: 337.0004
• Rent YoY: —
• Metro: Lebanon, NH-VT
• State GDP YoY: —
• F500 in state: 0

Price history

+78.6% since first listed

6 events — show timeline

• 2026-05-18 Listed $239,000 PrimeMLS
• 2023-06-29 Sold (Public Records) $180,000 Public Records
• 2023-06-29 Sold (MLS) $180,000 PrimeMLS
• 2023-05-18 Contingent — PrimeMLS
• 2023-05-02 Listed $179,900 PrimeMLS
• 2004-08-17 Sold (Public Records) $133,800 Public Records

Property tax history

+1.5%/yr

Latest (2025): $5,366 · +4.4% YoY. Source: county tax records.