13 Terrace St · Haverhill, NH 03774

$168,000

3 bd · 2.5 ba · 3,276 sqft · SingleFamily · 148 Days on market

Built 1925 Fair condition 8,712 sqft lot $51/sqft · 24% below area Est $221k · 24% under ↓ 16% since listing

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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 +21.9/30.0
• ARV discount +15.0/15.0
• Appreciation +10.0/10.0
• DSCR +7.0/10.0
• 1% rule +5.7/10.0
• Schools +3.0/10.0
• Rent growth +2.5/5.0
• Livability +2.5/5.0
• Condition / age +2.2/5.0

Listing remarks MLS

Price Reduction!! Motivated Seller! This unique property offers an excellent opportunity for investors or owner-occupants seeking flexibility and income potential. Featuring two separate units, the layout is ideal for multi-generational living, a home-and-income setup, or dual rentals. The first unit offers a comfortable 1-bedroom arrangement with an open-concept kitchen, living, and dining area, while the larger second unit spans two stories with three bedrooms, 1 1/2 baths, a spacious living room, dining room, kitchen, laundry area, and an enclosed porch for added versatility. The basement adds even more value with space well suited for a home-based business, workshop, storage, or creative use. Located in the Village of Woodsville, the property enjoys convenient access to shopping, dining, schools, and medical services. Full of character and lovingly maintained, this home is being sold as-is and presents a great opportunity for updates and long-term value.

Key facts

• Open concept kitchen
• Two separate units
• Dual rentals

Tags

• TWO SEPARATE UNITS
• MULTI-GENERATIONAL LIVING
• HOME AND INCOME SETUP
• DUAL RENTALS
• OPEN CONCEPT KITCHEN
• ENCLOSED PORCH

What this means for you Summary

Snapshot

• This is a 3-bed/2.5-bath single-family listed at $168k. Condition is rated fair.

Deal economics

• At list price, monthly cash flow is $265 ($3k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $168k).
• Recommended offer: $148k (12.0% below list) — sets the bar for market timing.

Location & tenants

• Location reads: area grade B — affects rentability + tenant quality, not the cash-flow math above.
• Haverhill Cooperative School District (rural): math 26% / reading 45% proficiency, ranked #78 of 98 in NH (top 80%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: 20 active listings in the ZIP; 487 units permitted in Grafton County in 2024 (127 in 5+ unit buildings).

Forward outlook

• In year one you build about $18k of equity ($1k loan paydown + $17k appreciation (10.0% local appreciation)).
• Grafton County population projected at -13% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.
• At projected returns (10.0% appreciation + 3.0% rent growth), your $47k cash investment doubles in ~3 years — after that, you're playing with house money.
• By year 3, paydown + projected appreciation supports a ~$45k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• It's been on market 148 days — a 12% lower offer ($148k) is reasonable based on typical stale-listing flexibility.
• 4 sale attempts; this cycle's ask has dropped $32k (16%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Risks & watch-outs

• Watch-outs: built in 1925 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $147,840 (12.0% below list)

Questions for the listing agent

1. It's been on market 148 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
2. Have any recent inspections been done? Can we get a copy of the seller's disclosures and any deferred-maintenance estimates?
3. Built in 1925 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
4. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
5. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
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: 1.07% ✓
• Cap rate: 8.19%
• Cash-on-cash: 6.77%
• DSCR: 1.30
• GRM: 7.8

CMA / ARV

• ARV (median comp): $221,175
• List price: $168,000
• Delta: -24.04%
• Verdict: UNDERPRICED
• Comps: 8 within 1.0 mi

Show comp detail 1 sale within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
13 Terrace St	0.00mi	4/2.5 (+1)	3,276 (0%)	13mo	$170,000	$52	84

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 · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 29.2%
• Equity multiple: 3.31×
• Total profit: $108,430
• Equity at exit: $151,348

10-year hold

• IRR: 25.4%
• Equity multiple: 7.51×
• Total profit: $306,068
• Equity at exit: $326,387

Cash invested: $47,040 (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 03774

• Home prices YoY: 3.2%
• Active inventory: 20
• Price-to-rent: 7.8×

Monthly cashflow live

• Estimated rent: $1,806 medium
• Mortgage (P&I): −$881
• Tax est. 1.5%: −$210 /mo · $2,520/yr
• Insurance: −$70
• HOA: −$0
• Vacancy / Maint / Mgmt: −$379
• Net cashflow: $265

Break-even live

Break-even rent $1,470

Max offer price $168,000

Occupancy floor 80%

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: $42,000
• Closing costs: $5,040
• Reserves months: —
• Total cash needed: —

Listing history 26 events

1. 2026-06-18
   days on market $168,000 Active 148 DOM
2. 2026-06-17
   days on market $168,000 Active 147 DOM
3. 2026-06-16
   days on market $168,000 Active 146 DOM
4. 2026-06-15
   days on market $168,000 Active 145 DOM
5. 2026-06-13
   days on market $168,000 Active 143 DOM
6. 2026-06-12
   days on market $168,000 Active 142 DOM
7. 2026-06-09
   days on market $168,000 Active 139 DOM
8. 2026-06-08
   days on market $168,000 Active 138 DOM
9. 2026-06-07
   days on market $168,000 Active 137 DOM
10. 2026-06-07
    days on market $168,000 Active 136 DOM
11. 2026-06-04
    days on market $168,000 Active 133 DOM
12. 2026-06-02
    days on market $168,000 Active 132 DOM
13. 2026-06-01
    days on market $168,000 Active 131 DOM
14. 2026-05-31
    days on market $168,000 Active 130 DOM
15. 2026-04-26
    status Active 973-char remark

    Show marketing remark (971 chars)

    Motivated Seller! Price Reduced!! This unique property offers an excellent opportunity for investors or owner-occupants seeking flexibility and income potential. Featuring two separate units, the layout is ideal for multi-generational living, a home-and-income setup, or dual rentals. The first unit offers a comfortable 1-bedroom arrangement with an open-concept kitchen, living, and dining area, while the larger second unit spans two stories with three bedrooms, 1 1/2 baths, a spacious living room, dining room, kitchen, laundry area, and an enclosed porch for added versatility. The basement adds even more value with space well suited for a home-based business, workshop, storage, or creative use. Located in the Village of Woodsville, the property enjoys convenient access to shopping, dining, schools, and medical services. Full of character and lovingly maintained, this home is being sold as-is and presents a great opportunity for updates and long-term value.

16. 2026-04-26
    status Active 971-char remark

    Show marketing remark (971 chars)

    Motivated Seller! Price Reduced!! This unique property offers an excellent opportunity for investors or owner-occupants seeking flexibility and income potential. Featuring two separate units, the layout is ideal for multi-generational living, a home-and-income setup, or dual rentals. The first unit offers a comfortable 1-bedroom arrangement with an open-concept kitchen, living, and dining area, while the larger second unit spans two stories with three bedrooms, 1 1/2 baths, a spacious living room, dining room, kitchen, laundry area, and an enclosed porch for added versatility. The basement adds even more value with space well suited for a home-based business, workshop, storage, or creative use. Located in the Village of Woodsville, the property enjoys convenient access to shopping, dining, schools, and medical services. Full of character and lovingly maintained, this home is being sold as-is and presents a great opportunity for updates and long-term value.

17. 2026-04-20
    historical Active with Contract 973-char remark

    Show marketing remark (971 chars)

    Motivated Seller! Price Reduced!! This unique property offers an excellent opportunity for investors or owner-occupants seeking flexibility and income potential. Featuring two separate units, the layout is ideal for multi-generational living, a home-and-income setup, or dual rentals. The first unit offers a comfortable 1-bedroom arrangement with an open-concept kitchen, living, and dining area, while the larger second unit spans two stories with three bedrooms, 1 1/2 baths, a spacious living room, dining room, kitchen, laundry area, and an enclosed porch for added versatility. The basement adds even more value with space well suited for a home-based business, workshop, storage, or creative use. Located in the Village of Woodsville, the property enjoys convenient access to shopping, dining, schools, and medical services. Full of character and lovingly maintained, this home is being sold as-is and presents a great opportunity for updates and long-term value.

18. 2026-04-20
    historical Active with Contract 971-char remark

    Show marketing remark (971 chars)

    Motivated Seller! Price Reduced!! This unique property offers an excellent opportunity for investors or owner-occupants seeking flexibility and income potential. Featuring two separate units, the layout is ideal for multi-generational living, a home-and-income setup, or dual rentals. The first unit offers a comfortable 1-bedroom arrangement with an open-concept kitchen, living, and dining area, while the larger second unit spans two stories with three bedrooms, 1 1/2 baths, a spacious living room, dining room, kitchen, laundry area, and an enclosed porch for added versatility. The basement adds even more value with space well suited for a home-based business, workshop, storage, or creative use. Located in the Village of Woodsville, the property enjoys convenient access to shopping, dining, schools, and medical services. Full of character and lovingly maintained, this home is being sold as-is and presents a great opportunity for updates and long-term value.

19. 2026-04-09
    price $168,000 971-char remark

    Show marketing remark (973 chars)

    Price Reduction!! Motivated Seller! This unique property offers an excellent opportunity for investors or owner-occupants seeking flexibility and income potential. Featuring two separate units, the layout is ideal for multi-generational living, a home-and-income setup, or dual rentals. The first unit offers a comfortable 1-bedroom arrangement with an open-concept kitchen, living, and dining area, while the larger second unit spans two stories with three bedrooms, 1 1/2 baths, a spacious living room, dining room, kitchen, laundry area, and an enclosed porch for added versatility. The basement adds even more value with space well suited for a home-based business, workshop, storage, or creative use. Located in the Village of Woodsville, the property enjoys convenient access to shopping, dining, schools, and medical services. Full of character and lovingly maintained, this home is being sold as-is and presents a great opportunity for updates and long-term value.

20. 2026-04-09
    price $168,000 973-char remark

    Show marketing remark (973 chars)

    Price Reduction!! Motivated Seller! This unique property offers an excellent opportunity for investors or owner-occupants seeking flexibility and income potential. Featuring two separate units, the layout is ideal for multi-generational living, a home-and-income setup, or dual rentals. The first unit offers a comfortable 1-bedroom arrangement with an open-concept kitchen, living, and dining area, while the larger second unit spans two stories with three bedrooms, 1 1/2 baths, a spacious living room, dining room, kitchen, laundry area, and an enclosed porch for added versatility. The basement adds even more value with space well suited for a home-based business, workshop, storage, or creative use. Located in the Village of Woodsville, the property enjoys convenient access to shopping, dining, schools, and medical services. Full of character and lovingly maintained, this home is being sold as-is and presents a great opportunity for updates and long-term value.

21. 2026-02-20
    price $180,000 973-char remark

    Show marketing remark (971 chars)

    Motivated Seller! Price Reduced!! This unique property offers an excellent opportunity for investors or owner-occupants seeking flexibility and income potential. Featuring two separate units, the layout is ideal for multi-generational living, a home-and-income setup, or dual rentals. The first unit offers a comfortable 1-bedroom arrangement with an open-concept kitchen, living, and dining area, while the larger second unit spans two stories with three bedrooms, 1 1/2 baths, a spacious living room, dining room, kitchen, laundry area, and an enclosed porch for added versatility. The basement adds even more value with space well suited for a home-based business, workshop, storage, or creative use. Located in the Village of Woodsville, the property enjoys convenient access to shopping, dining, schools, and medical services. Full of character and lovingly maintained, this home is being sold as-is and presents a great opportunity for updates and long-term value.

22. 2026-02-20
    price $180,000 971-char remark

    Show marketing remark (971 chars)

    Motivated Seller! Price Reduced!! This unique property offers an excellent opportunity for investors or owner-occupants seeking flexibility and income potential. Featuring two separate units, the layout is ideal for multi-generational living, a home-and-income setup, or dual rentals. The first unit offers a comfortable 1-bedroom arrangement with an open-concept kitchen, living, and dining area, while the larger second unit spans two stories with three bedrooms, 1 1/2 baths, a spacious living room, dining room, kitchen, laundry area, and an enclosed porch for added versatility. The basement adds even more value with space well suited for a home-based business, workshop, storage, or creative use. Located in the Village of Woodsville, the property enjoys convenient access to shopping, dining, schools, and medical services. Full of character and lovingly maintained, this home is being sold as-is and presents a great opportunity for updates and long-term value.

23. 2026-02-12
    price $195,000 973-char remark

    Show marketing remark (971 chars)

    Motivated Seller! Price Reduced!! This unique property offers an excellent opportunity for investors or owner-occupants seeking flexibility and income potential. Featuring two separate units, the layout is ideal for multi-generational living, a home-and-income setup, or dual rentals. The first unit offers a comfortable 1-bedroom arrangement with an open-concept kitchen, living, and dining area, while the larger second unit spans two stories with three bedrooms, 1 1/2 baths, a spacious living room, dining room, kitchen, laundry area, and an enclosed porch for added versatility. The basement adds even more value with space well suited for a home-based business, workshop, storage, or creative use. Located in the Village of Woodsville, the property enjoys convenient access to shopping, dining, schools, and medical services. Full of character and lovingly maintained, this home is being sold as-is and presents a great opportunity for updates and long-term value.

24. 2026-02-12
    price $195,000 971-char remark

    Show marketing remark (971 chars)

    Motivated Seller! Price Reduced!! This unique property offers an excellent opportunity for investors or owner-occupants seeking flexibility and income potential. Featuring two separate units, the layout is ideal for multi-generational living, a home-and-income setup, or dual rentals. The first unit offers a comfortable 1-bedroom arrangement with an open-concept kitchen, living, and dining area, while the larger second unit spans two stories with three bedrooms, 1 1/2 baths, a spacious living room, dining room, kitchen, laundry area, and an enclosed porch for added versatility. The basement adds even more value with space well suited for a home-based business, workshop, storage, or creative use. Located in the Village of Woodsville, the property enjoys convenient access to shopping, dining, schools, and medical services. Full of character and lovingly maintained, this home is being sold as-is and presents a great opportunity for updates and long-term value.

25. 2026-01-21
    listed $200,000 Active 973-char remark

    Show marketing remark (971 chars)

    Motivated Seller! Price Reduced!! This unique property offers an excellent opportunity for investors or owner-occupants seeking flexibility and income potential. Featuring two separate units, the layout is ideal for multi-generational living, a home-and-income setup, or dual rentals. The first unit offers a comfortable 1-bedroom arrangement with an open-concept kitchen, living, and dining area, while the larger second unit spans two stories with three bedrooms, 1 1/2 baths, a spacious living room, dining room, kitchen, laundry area, and an enclosed porch for added versatility. The basement adds even more value with space well suited for a home-based business, workshop, storage, or creative use. Located in the Village of Woodsville, the property enjoys convenient access to shopping, dining, schools, and medical services. Full of character and lovingly maintained, this home is being sold as-is and presents a great opportunity for updates and long-term value.

26. 2026-01-21
    listed $200,000 Active 971-char remark

    Show marketing remark (971 chars)

    Motivated Seller! Price Reduced!! This unique property offers an excellent opportunity for investors or owner-occupants seeking flexibility and income potential. Featuring two separate units, the layout is ideal for multi-generational living, a home-and-income setup, or dual rentals. The first unit offers a comfortable 1-bedroom arrangement with an open-concept kitchen, living, and dining area, while the larger second unit spans two stories with three bedrooms, 1 1/2 baths, a spacious living room, dining room, kitchen, laundry area, and an enclosed porch for added versatility. The basement adds even more value with space well suited for a home-based business, workshop, storage, or creative use. Located in the Village of Woodsville, the property enjoys convenient access to shopping, dining, schools, and medical services. Full of character and lovingly maintained, this home is being sold as-is and presents a great opportunity for updates and long-term value.

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

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 8 d/yr ≥93°F today · 17 d/yr by 30 yrs out
• 💨 Wind 2/10 Low 4% 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: $21,667
• − Mortgage interest: −$9,411
• − Property taxes: −$2,520
• − Insurance: −$840
• − Repairs & maintenance: −$1,733
• − Management: −$1,733
• − Depreciation: −$4,887
• Taxable income: $543
• Est. tax owed @ 24.0%: −$130
• After-tax cash flow: $3,055/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 · 13 photos

Fair 45/100 Moderate rehab

This property requires moderate rehabilitation, focusing on the roof and exterior. Painting and snow removal will significantly improve its curb appeal and value.

Repairs flagged

• Major roof — Significant snow accumulation
• Major exterior siding — Weathered and in poor condition

Value-add opportunities

• Both Paint exterior — Enhances curb appeal and value
• Both Clear snow from roof — Prevents ice dams and potential water damage

Renovation cost estimate screening

Repair item	Severity	Est. cost
roof · Significant snow accumulation	Major	$15,000–50,000
exterior siding · Weathered and in poor condition	Major	$15,000–50,000
Total estimated repair cost · 2 items		$30,000–100,000

Value-add ROI direction

• Both Paint exterior — Enhances curb appeal and value ↑
• Both Clear snow from roof — Prevents ice dams and potential water damage ↑

ⓘ 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: Haverhill Cooperative School District
• NCES district ID: 3303660
• Math proficiency: 26% ▼ -10.00%
• Reading proficiency: 45% ▼ -6.00%
• Median HH income: $46,115
• Composite: 30.32/100
• National rank: #6272
• State rank: #78 of 98 in NH

Livability — Haverhill

No livability data for this city. (Only ~50 U.S. cities are tracked.)

Census & demographics

• Census place: Woodsville, NH
• Population (ZIP): 1,606

Population outlook (Grafton County) Hauer SSP2

• Today (2025): 88,798 people
• By 2030: 87,131 · -1.9%
• By 2040: 82,000 · -7.7%
• By 2050: 77,064 · -13.2%
• By 2075: 68,769 · -22.6%
• By 2100: 61,631 · -30.6%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (91%)
• Race & ethnicity: White 91% Two or more races 8% Native American 1%
• Common ancestry: Lithuanian 17% Serbian 3% Slovak 2%
• Foreign-born: 1%
• Languages at home: 99% English-only · Spanish 1%

Political lean MEDSL · Grafton

• 2024 margin: D (+19.9) · D 59.4% · R 39.4% · Other 1.2%
• 2008→2024 swing: -7.8pp toward R · 2008: 27.7pp · 2024: 19.9pp
• All cycles: 2024: D+19.9 2020: D+24.6 2016: D+19.0 2012: D+23.8 2008: D+27.7

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▲ 11.75%
• Current HPI: 375.7663
• Rent YoY: —
• Metro: —
• State GDP YoY: —
• F500 in state: 0

Price history

-16.0% since first listed

12 events — show timeline

• 2026-04-26 Relisted — PrimeMLS
• 2026-04-26 Relisted — PrimeMLS
• 2026-04-20 Contingent — PrimeMLS
• 2026-04-20 Contingent — PrimeMLS
• 2026-04-09 Price Changed $168,000 PrimeMLS
• 2026-04-09 Price Changed $168,000 PrimeMLS
• 2026-02-20 Price Changed $180,000 PrimeMLS
• 2026-02-20 Price Changed $180,000 PrimeMLS
• 2026-02-12 Price Changed $195,000 PrimeMLS
• 2026-02-12 Price Changed $195,000 PrimeMLS
• 2026-01-21 Listed $200,000 PrimeMLS
• 2026-01-21 Listed $200,000 PrimeMLS