103 Putnam Park #103 · Greenwich, CT
Flood risk 1/10 · Minimal
- FEMA flood zone
- X (unshaded)
- Chance of flooding over 30 yrs
- 0.0%
- Est. flood insurance / yr
- $473 – $860
Fire risk 1/10 · Minimal
- Est. fire insurance / yr
- $829 – $1,539
Heat risk 6/10 · Moderate
- Hot days now (above 98°F)
- 7 days/yr
- Hot days in 30 yrs
- 15 days/yr
Wind risk 6/10 · Moderate
- Chance of severe wind over 30 yrs
- 67.0%
Air-quality risk 6/10 · Moderate
- Unhealthy air days now
- 9 days/yr
- Unhealthy air days in 30 yrs
- 13 days/yr
Risk factors via First Street. Map © Google.
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 +8.4/10.0
- ARV discount +6.7/15.0
- Schools +6.6/10.0
- Cash flow +6.4/30.0
- Livability +4.0/5.0
- Rent growth +3.3/5.0
- Condition / age +2.5/5.0
- 1% rule +1.7/10.0
- DSCR +0.7/10.0
$850,000
🖨 Deal sheet (PDF) 📄 Offer letter ✓ Due diligence
Listing remarks MLS
Desirable sunny, spacious duplex. W/W carpeting with hardwood floors underneath. Granite kitchen with SS appliances, custom crown moldings and great built-ins in living room and dining room with wine rack and entertainment sections. Three large bedrooms, formal dining room, and 2 full updated baths. Full sized laundry in unit. Great cross ventilation with tree views and sweeping lawns from all windows. Balcony has awning for warmer days. Storage unit in basement and garage fee of $85 when available. Monthly maintenance (1158/mth) is approx 45% tax deductible; special tax (1026 twice/year) is 100%. MM includes real estate taxes, heat, hot water, maintenance, water, trash. Great closet and storage space throughout. Central Greenwich location; walk to Greenwich Avenue, RR, school, restaurants, shops, supermarket. Enviable Greenwich beaches and parks. Additional Information: Amenities:Storage,ParkingFeatures:1 Car Detached,
Key facts
- $128 HOA
- Built 1950
- Listed 50 days
Property features AI
Finance
- HOA & community: Part of Putnam Park Co-ops; Annual association fee of $1,536; Association fee covers trash, taxes, snow removal, and grounds care; Association provides hot water
Exterior
- Parking: Off-street parking
- Utilities: Public water
- Home design: Brick construction; Asphalt roof; Originally built in 1950 with effective year 2026; Zoned R-MF
- Construction: Brick construction; Asphalt roof; Built in 1950 (effective 2026)
- Exterior features: Courtyard; Park-like grounds
Interior
- Bathrooms: 2 full bathrooms
- Heating & cooling: Natural gas heating with hot water system; Window cooling units
- Interior features: Built-in features; Basement with exterior access
Neighborhood map
What this means for you Summary
Snapshot
- This is a 3-bed/2.0-bath single-family listed at $850k.
Deal economics
- At list price, monthly cash flow is $-1k ($-18k/yr) — negative.
- To cash-flow at today's rent, offer at most $634k (25.4% below list).
- To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $571k (32.8% below list).
- Recommended offer: $571k (32.8% below list) — sets the bar for 1% rule.
- Cap rate 4.2% vs local median 0.7% in Greenwich — 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 80/100 on livability (#23 in CT, #1,655 nationally) — a professional / high-income tenant draw. Strengths: crime A+, employment A+, health & safety A+; Watch: amenities D, cost of living F.
- Greenwich School District (suburban): math 64% / reading 73% proficiency, ranked #12 of 153 in CT (top 8%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease; only 11% free/reduced lunch — higher-income household profile.
- Zoned schools: Julian Curtiss School (math 52% / reading 57%, grade C, #195 of 553 statewide, top 37%, 241 students, 41% FRL); Central Middle School (math 60% / reading 71%, grade A-, #26 of 175 statewide, top 16%, 506 students, 18% FRL); Greenwich High School (math 59% / reading 78%, grade B, #23 of 194 statewide, top 12%, 2,668 students, 20% FRL) — zoned schools average 26% FRL vs 11% district-wide (16 pts higher); higher-poverty schools than district average — tighter screening recommended.
- Market conditions: Rents rising (+3.4%/yr); 129 active listings in the ZIP; 29 comparable units currently listed for rent nearby; rentals at typical pace (median 22d on market — plan ~3-4 weeks tenant-placement turnaround); high-income renter base; 1,151 units permitted in Western Connecticut Planning Region in 2024 (714 in 5+ unit buildings).
- At $5,712/mo this rent would consume 47% of the median local household income ($147k/yr) (locally 1088% 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 $64k of equity ($6k loan paydown + $59k appreciation (6.9% local appreciation)).
- By year 2, paydown + projected appreciation supports a ~$103k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.
Negotiation context
- It's been on market 50 days — a 3% lower offer ($824k) is reasonable based on typical stale-listing flexibility.
- 3 sale attempts since 10y 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 $515k; list at $850k implies a 65% gain — meaningful room to come down on a strong offer.
Risks & watch-outs
- Watch-outs: built in 1950 — expect roof / HVAC / electrical / plumbing capex.
- Climate carrying-cost: major wind risk, 67% 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.
Questions for the listing agent
- 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?
- It's been on market 50 days. Have you received any prior offers? Is the seller open to a 33% concession, seller financing, or rate buy-down credit?
- Built in 1950 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
- What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
- Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
- Schools are A-rated — typically a magnet for longer-tenancy family renters. What's the average tenant stay here, and is there a school-zone premium baked into asking?
- 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?
- 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.
- 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.
- 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
- 0.67% ✗
- Cap rate
- 4.19%
- Cash-on-cash
- -7.51%
- DSCR
- 0.67
- GRM
- 12.4
CMA / ARV
- ARV (median comp)
- $835,106
- List price
- $850,000
- Delta
- 1.78%
- Verdict
- FAIR
- Comps
- 20 within 1.0 mi
Show comp detail 12 sales within ~0.75 mi
| Address | Dist | Beds/Ba | Sqft | Sold | Price | $/sf | Match |
|---|---|---|---|---|---|---|---|
| 4 Putnam Hl Unit 1G | 0.13mi | 3/2.0 | 1,560 (-6%) | 12mo | $825,000 | $529 | 74 |
| 160 Putnam Park | 0.04mi | 3/2.0 | 1,700 (+3%) | 24mo | $715,000 | $421 | 74 |
| 5 Putnam Hl Unit 4H | 0.21mi | 3/2.0 | 1,580 (-5%) | 14mo | $925,000 | $585 | 71 |
| 20 Perryridge Rd | 0.52mi | 3/2.0 | 1,616 (-2%) | 8mo | $1,820,000 | $1,126 | 65 |
| 3 Putnam Hl Unit 4G | 0.13mi | 2/2.0 (-1) | 1,580 (-5%) | 22mo | $830,000 | $525 | 63 |
| 11 Le Grande Ave Unit 3 | 0.45mi | 3/2.0 | 1,802 (+9%) | 8mo | $1,787,500 | $992 | 58 |
| 47 Mallard Dr | 0.24mi | 3/2.0 | 1,865 (+13%) | 14mo | $1,795,000 | $962 | 56 |
| 46 Locust St | 0.57mi | 3/2.0 | 1,580 (-5%) | 12mo | $1,422,000 | $900 | 55 |
| 108 Havemeyer Pl | 0.67mi | 3/2.5 | 1,559 (-6%) | 18mo | $1,700,000 | $1,090 | 42 |
| 303 Bruce Park Ave | 0.73mi | 3/2.0 | 1,480 (-11%) | 19mo | $925,000 | $625 | 32 |
| 146 Woodside Dr | 0.73mi | 4/2.0 (+1) | 1,865 (+13%) | 13mo | $1,800,000 | $965 | 30 |
| 3 Benedict Ct | 0.53mi | 4/4.0 (+1) | 1,834 (+11%) | 18mo | $2,200,000 | $1,200 | 29 |
Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.
Projected returns pro-forma
6.89% appreciation · 3.36% rent growth · sell at horizon
- IRR
- 11.7%
- Equity multiple
- 1.83×
- Total profit
- $198,538
- Equity at exit
- $583,028
- IRR
- 12.5%
- Equity multiple
- 3.75×
- Total profit
- $653,363
- Equity at exit
- $1,102,099
Cash invested: $238,000 (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
ZIP-level market 06830
- Home prices YoY
- 4.1%
- Rents YoY
- 3.4%
- Active inventory
- 129
- Price-to-rent
- 12.4×
Monthly cashflow live
- Estimated rent
- $5,712 high interval (Pro) →
- Mortgage (P&I)
- −$4,457
- Tax est. 1.5%
- −$1,062 /mo · $12,750/yr
- Insurance
- −$354
- HOA
- −$128
- Lot rent
- −$0
- Vacancy / Maint / Mgmt
- −$1,200
- Net cashflow
- $-1,490
Break-even live
Sensitivity live
| Price | -10% $-902 | -5% $-1,196 | +0% $-1,490 | +5% $-1,783 | +10% $-2,077 |
|---|---|---|---|---|---|
| Rent | -10% $-1,941 | -5% $-1,715 | +0% $-1,490 | +5% $-1,264 | +10% $-1,038 |
| Rate | -1.0pp $-1,062 | -0.5pp $-1,274 | base $-1,490 | +0.5pp $-1,710 | +1.0pp $-1,934 |
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
- $212,500
- Closing costs
- $25,500
- Reserves months
- —
- Total cash needed
- —
Loan-product check · same deal, 3 products live
Conventional
25% down · 7.5% · 30yr
- Down + closing
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
Personal DTI + credit; lowest rate.
DSCR
20% down · 8.5% · 30yr
- Down + closing
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
No personal income docs; deal must DSCR.
Hard money
10% down · 12.0% · 12mo
- Down + closing
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
Short-term bridge; refi at stabilization.
Rent comps 29 comps
| Address | Beds | Baths | Sqft | Rent | $/sqft | DOM | Units | Dist |
|---|---|---|---|---|---|---|---|---|
| 41 Sherwood Pl Greenwich, CT | 2.0 | 2.0 | 1216 | $5,300 | $4.36 | 46d | 1 | 0.24mi |
| 43 Church St Unit 1 Greenwich, CT | 3.0 | 2.0 | 1319 | $3,975 | $3.01 | 23d | 1 | 0.28mi |
| 47 Church St Unit First Floor Greenwich, CT | 2.0 | 1.0 | 1332 | $3,900 | $2.93 | 26d | 1 | 0.29mi |
| 50 Church St #1 Greenwich, CT | 2.0 | 2.5 | 1440 | $7,500 | $5.21 | 46d | 1 | 0.33mi |
| 21 Division St Unit A Greenwich, CT | 2.0 | 1.5 | 1696 | $4,500 | $2.65 | 21d | 1 | 0.43mi |
| 116 E Elm St Unit A Greenwich, CT | 3.0 | 3.5 | 2150 | $7,750 | $3.60 | 5d | 1 | 0.46mi |
| 169 Mason St Unit 1G Greenwich, CT | 2.0 | 1.0 | 1050 | $5,250 | $5.00 | 16d | 1 | 0.56mi |
| 25 W Elm St #40 Greenwich, CT | 2.0 | 2.0 | 1247 | $5,250 | $4.21 | 5d | 1 | 0.58mi |
| 9 Sound View Ct Unit 2B Greenwich, CT | 3.0 | 2.0 | 1300 | $4,500 | $3.46 | 5d | 1 | 0.62mi |
| 7 Prescott Ln Greenwich, CT | 3.0 | 2.5 | 1706 | $8,250 | $4.84 | 23d | 1 | 0.64mi |
| 300 Bruce Park Ave Unit A Greenwich, CT | 2.0 | 2.0 | 1400 | $4,500 | $3.21 | 12d | 1 | 0.75mi |
| 300 Bruce Park Ave Unit B Greenwich, CT | 2.0 | 2.0 | 1400 | $4,500 | $3.21 | 16d | 1 | 0.75mi |
| 52 Brookside Dr Unit A Greenwich, CT | 2.0 | 2.5 | 2000 | $8,400 | $4.20 | 26d | 1 | 0.79mi |
| 375 Greenwich Ave Unit 5 Greenwich, CT | 2.0 | 1.0 | 1350 | $2,500 | $1.85 | 26d | 1 | 0.80mi |
| 409 Greenwich Ave Unit A Greenwich, CT | 2.0 | 2.5 | 1700 | $11,000 | $6.47 | 46d | 1 | 0.83mi |
| 17 Circle Dr Greenwich, CT | 3.0 | 3.0 | 1911 | $7,500 | $3.92 | 16d | 1 | 0.85mi |
| 47 Indian Harbor Dr #7 Greenwich, CT | 3.0 | 3.5 | 2200 | $10,000 | $4.55 | 46d | 1 | 0.95mi |
| 14 Idar Ct Unit 1 Greenwich, CT | 3.0 | 2.0 | 1500 | $4,900 | $3.27 | 46d | 1 | 0.96mi |
| 84 E Putnam Ave Greenwich, CT | 2.0 | 2.0 | 1130 | $7,500 | $6.64 | 16d | 1 | 1.01mi |
| 100 E Putnam Ave Unit 301 Cos Cob, CT | 2.0 | 2.0 | 1198 | $9,175 | $7.66 | 16d | 1 | 1.02mi |
| 100 E Putnam Ave Unit 301 Cos Cob, CT | 2.0 | 2.0 | 1198 | $9,175 | $7.66 | 21d | 1 | 1.02mi |
| 71 Prospect St Unit 2 Greenwich, CT | 2.0 | 1.0 | 1073 | $3,650 | $3.40 | 5d | 1 | 1.03mi |
| 26 Edgewood Ave #1 Greenwich, CT | 2.0 | 2.5 | 1981 | $5,500 | $2.78 | 21d | 1 | 1.13mi |
| 56 Old Field Point Rd Unit 4 Greenwich, CT | 3.0 | 2.0 | 1800 | $12,000 | $6.67 | 5d | 1 | 1.20mi |
| 3 River Rd Unit 3 Cos Cob, CT | 3.0 | 1.0 | 1500 | $3,150 | $2.10 | 46d | 1 | 1.34mi |
| 12 Artic St Unit 1 Greenwich, CT | 3.0 | 2.0 | 1900 | $4,850 | $2.55 | 26d | 1 | 1.43mi |
| 28 Pleasant St Cos Cob, CT | 4.0 | 2.5 | 2140 | $6,250 | $2.92 | 14d | 1 | 1.44mi |
| 14 Cos Cob Ave Unit 3 Cos Cob, CT | 3.0 | 2.5 | 1900 | $6,500 | $3.42 | 46d | 1 | 1.46mi |
| 14 Cos Cob Ave Unit 2 Cos Cob, CT | 2.0 | 1.0 | 1100 | $2,900 | $2.64 | 26d | 1 | 1.46mi |
HOA detail
- Monthly dues
- $128 · $1,536/yr
- Likely covers
- watertrash
Listing history 23 events
-
2026-06-17status $850,000 Pending 50 DOM
-
2026-06-17days on market $850,000 Active Under Contract 50 DOM
-
2026-06-16days on market $850,000 Active Under Contract 49 DOM
-
2026-06-15days on market $850,000 Active Under Contract 48 DOM
-
2026-06-13days on market $850,000 Active Under Contract 46 DOM
-
2026-06-10days on market $850,000 Active Under Contract 43 DOM
-
2026-06-09days on market $850,000 Active Under Contract 42 DOM
-
2026-06-08days on market $850,000 Active Under Contract 41 DOM
-
2026-06-07days on market $850,000 Active Under Contract 40 DOM
-
2026-06-03days on market $850,000 Active Under Contract 36 DOM
-
2026-06-03days on market $850,000 Active Under Contract 35 DOM
-
2026-06-01days on market $850,000 Active Under Contract 34 DOM
-
2026-05-31days on market $850,000 Active Under Contract 33 DOM
-
2026-05-08historical Active Under Contract 788-char remark
-
2026-04-28$850,000 Active 788-char remark
-
2026-04-24historical $850,000 788-char remark
-
2017-06-07soldstatus $515,000 Sold 945-char remark
Show marketing remark (945 chars)
Desirable sunny, spacious duplex. W/W carpeting with hardwood floors underneath. Granite kitchen with SS appliances, custom crown moldings and great built-ins in living room and dining room with wine rack and entertainment sections. Three large bedrooms, formal dining room, and 2 full updated baths. Full sized laundry in unit. Great cross ventilation with tree views and sweeping lawns from all windows. Balcony has awning for warmer days. Storage unit in basement and garage fee of $85 when available. Monthly maintenance (1158/mth) is approx 45% tax deductible; special tax (1026 twice/year) is 100%. MM includes real estate taxes, heat, hot water, maintenance, water, trash. Great closet and storage space throughout. Central Greenwich location; walk to Greenwich Avenue, RR, school, restaurants, shops, supermarket. Enviable Greenwich beaches and parks. Additional Information: Amenities:Storage,ParkingFeatures:1 Car Detached,
-
2017-06-07historical 945-char remark
Show marketing remark (945 chars)
Desirable sunny, spacious duplex. W/W carpeting with hardwood floors underneath. Granite kitchen with SS appliances, custom crown moldings and great built-ins in living room and dining room with wine rack and entertainment sections. Three large bedrooms, formal dining room, and 2 full updated baths. Full sized laundry in unit. Great cross ventilation with tree views and sweeping lawns from all windows. Balcony has awning for warmer days. Storage unit in basement and garage fee of $85 when available. Monthly maintenance (1158/mth) is approx 45% tax deductible; special tax (1026 twice/year) is 100%. MM includes real estate taxes, heat, hot water, maintenance, water, trash. Great closet and storage space throughout. Central Greenwich location; walk to Greenwich Avenue, RR, school, restaurants, shops, supermarket. Enviable Greenwich beaches and parks. Additional Information: Amenities:Storage,ParkingFeatures:1 Car Detached,
-
2017-06-06soldstatus $515,000
Show marketing remark (760 chars)
Move-in-ready, pet friendly, updated spacious duplex. Three bedrooms, formal dining room, two full updated baths. W/ W carpeting with hdw. floors underneath. Granite kitchen with SS appliances, custom crown moldings and great built-ins in living room and dining room with wine rack and entertainment sections. Full sized laundry in unit. Great cross ventilation with tree views and sweeping lawns from all windows. Balcony has retractable awning for those warmer days. Storage area in basement included. Garage rental when available. Monthly maintenance is about 50% deductible; special tax ($2,052/yr) 100% tax deductible. Great closet and storage space throughout. Central Greenwich location; walk to Greenwich Ave. , Whole Foods, RR, school, shops, bistros.
-
2017-03-23historical Pending 945-char remark
Show marketing remark (945 chars)
Desirable sunny, spacious duplex. W/W carpeting with hardwood floors underneath. Granite kitchen with SS appliances, custom crown moldings and great built-ins in living room and dining room with wine rack and entertainment sections. Three large bedrooms, formal dining room, and 2 full updated baths. Full sized laundry in unit. Great cross ventilation with tree views and sweeping lawns from all windows. Balcony has awning for warmer days. Storage unit in basement and garage fee of $85 when available. Monthly maintenance (1158/mth) is approx 45% tax deductible; special tax (1026 twice/year) is 100%. MM includes real estate taxes, heat, hot water, maintenance, water, trash. Great closet and storage space throughout. Central Greenwich location; walk to Greenwich Avenue, RR, school, restaurants, shops, supermarket. Enviable Greenwich beaches and parks. Additional Information: Amenities:Storage,ParkingFeatures:1 Car Detached,
-
2017-02-21price $527,000 945-char remark
Show marketing remark (945 chars)
Desirable sunny, spacious duplex. W/W carpeting with hardwood floors underneath. Granite kitchen with SS appliances, custom crown moldings and great built-ins in living room and dining room with wine rack and entertainment sections. Three large bedrooms, formal dining room, and 2 full updated baths. Full sized laundry in unit. Great cross ventilation with tree views and sweeping lawns from all windows. Balcony has awning for warmer days. Storage unit in basement and garage fee of $85 when available. Monthly maintenance (1158/mth) is approx 45% tax deductible; special tax (1026 twice/year) is 100%. MM includes real estate taxes, heat, hot water, maintenance, water, trash. Great closet and storage space throughout. Central Greenwich location; walk to Greenwich Avenue, RR, school, restaurants, shops, supermarket. Enviable Greenwich beaches and parks. Additional Information: Amenities:Storage,ParkingFeatures:1 Car Detached,
-
2016-07-28$547,500 Active 945-char remark
Show marketing remark (945 chars)
Desirable sunny, spacious duplex. W/W carpeting with hardwood floors underneath. Granite kitchen with SS appliances, custom crown moldings and great built-ins in living room and dining room with wine rack and entertainment sections. Three large bedrooms, formal dining room, and 2 full updated baths. Full sized laundry in unit. Great cross ventilation with tree views and sweeping lawns from all windows. Balcony has awning for warmer days. Storage unit in basement and garage fee of $85 when available. Monthly maintenance (1158/mth) is approx 45% tax deductible; special tax (1026 twice/year) is 100%. MM includes real estate taxes, heat, hot water, maintenance, water, trash. Great closet and storage space throughout. Central Greenwich location; walk to Greenwich Avenue, RR, school, restaurants, shops, supermarket. Enviable Greenwich beaches and parks. Additional Information: Amenities:Storage,ParkingFeatures:1 Car Detached,
-
2016-04-01$527,000
Show marketing remark (760 chars)
Move-in-ready, pet friendly, updated spacious duplex. Three bedrooms, formal dining room, two full updated baths. W/ W carpeting with hdw. floors underneath. Granite kitchen with SS appliances, custom crown moldings and great built-ins in living room and dining room with wine rack and entertainment sections. Full sized laundry in unit. Great cross ventilation with tree views and sweeping lawns from all windows. Balcony has retractable awning for those warmer days. Storage area in basement included. Garage rental when available. Monthly maintenance is about 50% deductible; special tax ($2,052/yr) 100% tax deductible. Great closet and storage space throughout. Central Greenwich location; walk to Greenwich Ave. , Whole Foods, RR, school, shops, bistros.
ⓘ 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 6/10 Major 7 d/yr ≥98°F today · 15 d/yr by 30 yrs out
- Wind 6/10 Major 67% chance of damaging wind over 30 yrs
- Air quality 6/10 Major 9 unhealthy d/yr today · 13 by 30 yrs out
Nearby sold comps map
Loading sold comps map…
Walkable amenities ~0.75 mi
Loading nearby amenities…
Taxation est. · year 1
- Rental income
- $68,544
- − Mortgage interest
- −$47,613
- − Property taxes
- −$12,750
- − Insurance
- −$4,250
- − Repairs & maintenance
- −$5,483
- − Management
- −$5,483
- − HOA
- −$1,536
- − Depreciation
- −$24,727
- Taxable loss
- −$33,300
- Est. tax savings @ 24.0%
- +$7,992
- After-tax cash flow
- $-9,884/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
- Greenwich School District
- NCES district ID
- 0901710
- Math proficiency
- 64% ▼ -7.00%
- Reading proficiency
- 73% ▼ -5.00%
- Median HH income
- $129,257
- Composite
- 65.67/100
- National rank
- #461
- State rank
- #12 of 153 in CT
Livability — Greenwich
- Score
- 80/100
- State rank
- #23
- US rank
- #1655
Category grades
Schools grade is shown separately in the Schools card above.
Census & demographics
- Census place
- Greenwich, CT
- County
- Fairfield County · 765,532 people
- City population
- 47,954
- Metro
- Bridgeport-Stamford-Norwalk, CT
- Population (ZIP)
- 24,880
- Household income
- $146,654
- Rent vs Own
- Severe rent burden
- 1088.0
Population outlook (Western Connecticut County) Hauer SSP2
- By 2040
- 685,031
Race, ethnicity, and origin ACS 2023
- Neighborhood character
- Diverse neighborhood (Simpson 0.55)
- Race & ethnicity
- White 64% Hispanic / Latino 18% Two or more races 10% Asian 6% Black 5%
- Hispanic origin (detail)
- Mexican 2% Puerto Rican 1% Dominican 1%
- Common ancestry
- Romanian 3% Lithuanian 2% Scotch-Irish 2%
- Foreign-born
- 24% · Canada, Jamaica, China
- Languages at home
- 72% English-only · Spanish 12% Other Indo-European 5% Russian/Polish/Slavic 3%
Political lean MEDSL · Western Connecticut
- 2024 margin
- D (+19.1) · D 58.8% · R 39.7% · Other 1.6%
- All cycles
- 2024: D+19.1
Not yet ingested
- Civics
- —
Market trends
- HPI YoY
- ▲ 6.89%
- Current HPI
- 173.5938
- Rent YoY
- ▲ 3.36%
- 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 |
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| Insurance | 3 | $71B |
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| Financial Services | 2 | $25B |
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| Transportation / Logistics | 2 | $18B |
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| Healthcare | 1 | $247B |
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| Telecommunications | 1 | $55B |
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Price history
+61.3% since first listed11 events — show timeline
- 2026-06-17 Pending — GMLS
- 2026-05-08 Contingent — GMLS
- 2026-04-28 Listed $850,000 GMLS
- 2026-04-24 Coming Soon $850,000 GMLS
- 2017-06-07 Sold (MLS) $515,000 OneKey® MLS as Distributed by MLS Grid
- 2017-06-07 Listing Removed — OneKey® MLS as Distributed by MLS Grid
- 2017-06-06 Sold (MLS) $515,000 GMLS
- 2017-03-23 Contingent — OneKey® MLS as Distributed by MLS Grid
- 2017-02-21 Price Changed $527,000 OneKey® MLS as Distributed by MLS Grid
- 2016-07-28 Listed $547,500 OneKey® MLS as Distributed by MLS Grid
- 2016-04-01 Listed $527,000 GMLS
Cash-flow waterfall
monthlySold comps — $/sqft
last 12 mo · ≤1 miLoading sold comps…