19 Jackson St · Ansonia, CT 06401

$430,000

4 bd · 2.0 ba · 1,760 sqft · MultiFamily public records · 49 Days on market

Built 1900 3,920 sqft lot $244/sqft · 6% below area Est $456k · 6% under

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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).

• Cash flow +14.1/30.0
• ARV discount +10.1/15.0
• DSCR +4.3/10.0
• Rent growth +4.3/5.0
• Livability +3.6/5.0
• 1% rule +3.5/10.0
• Condition / age +2.5/5.0
• Schools +1.7/10.0
• Appreciation +0.0/10.0

Multi-family units

County records classify this as Multi-Family (2-4 Unit). Listing-text estimate: 2 units. confirmed

Listing remarks MLS

Are you looking for an affordable multi family investment where the numbers make sense, or a flexible property with strong income potential? This well maintained 2 family in Ansonia presents a great opportunity. The first floor unit has been recently updated with fresh paint and a new stove and is currently unoccupied, offering immediate flexibility for the next owner. The second floor unit features 2 bedrooms and 1 full bathroom along with a spacious loft that adds additional living space. Major updates include a roof that is approximately 1.5 years old and water heaters that are less than 3 years old. Both units have their own porch and separate utilities, making management efficient. Located on a quiet street with convenient access to shopping, dining, and transportation, this property offers strong potential for both current use and future upside.

Key facts

• 3,920 sq ft lot
• Built 1900
• Listed 49 days

What this means for you Summary

Snapshot

• This is a 2 × 2-bed/1.0-bath units multifamily listed at $430k.

Deal economics

• At list price, monthly cash flow is $66 ($788/yr) — positive. Per door: $33/mo.
• The deal already cash-flows at list — no discount required.
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $365k (15.1% below list).
• Recommended offer: $365k (15.1% below list) — sets the bar for 1% rule.
• Cap rate 6.5% vs local median 3.8% in Ansonia — 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 71/100 on livability (#87 in CT) — a middle-class / working-renter tenant base. Strengths: crime A+, health & safety A+, housing A-; Watch: employment C-, amenities F, commute F.
• Ansonia School District (suburban): math 13% / reading 25% proficiency, ranked #144 of 153 in CT (top 94%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover.
• Zoned schools: Prendergast School (math 10% / reading 22%, grade F, #468 of 553 statewide, top 85%, 606 students, 67% FRL); Ansonia Middle School (math 15% / reading 29%, grade F, #158 of 175 statewide, top 90%, 537 students, 63% FRL); Ansonia High School (math 22% / reading 37%, grade F, #139 of 194 statewide, top 74%, 555 students, 60% FRL).
• Market conditions: Rents rising fast (+7.3%/yr); 52 active listings in the ZIP; 9 comparable units currently listed for rent nearby; rentals leasing fast (median 13d on market — plan ~1-2 weeks tenant-placement turnaround); solid renter incomes; 502 units permitted in Naugatuck Valley Planning Region in 2024 (171 in 5+ unit buildings).
• At $3,651/mo this rent would consume 51% of the median local household income ($86k/yr) (locally 541% of renters already pay >50% of income on rent) — very limited rent-growth headroom before tenants either downsize or default.

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $3k of loan paydown is wiped out by about $13k of value loss. Plan a longer hold.

Negotiation context

• It's been on market 49 days — a 3% lower offer ($417k) is reasonable based on typical stale-listing flexibility.
• 6 sale attempts since 24y ago; this cycle's ask is 8% above the opening price — seller raised mid-cycle; expect resistance to lowballs.
• Current owner paid $227k; list at $430k implies a 89% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: built in 1900 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: major flood risk; major wind risk, 27% chance of damaging wind over 30y; extreme-heat days projected 7→17/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $365,100 (15.1% below list)

Questions for the listing agent

1. It's been on market 49 days. Have you received any prior offers? Is the seller open to a 15% concession, seller financing, or rate buy-down credit?
2. Can we see the unit-by-unit rent roll, current vacancy, and any below-market leases? What's the average tenancy length?
3. What capital expenditures (roof, boiler, parking lot, exteriors) have been made in the last 5 years, and what's planned in the next 2?
4. Built in 1900 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
5. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
6. 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?
7. 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?
8. 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.
9. 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.
10. How much new apartment / multifamily construction is in the pipeline within 1–3 miles? Heavy new supply (>2% of stock underway) typically softens rents 12–24 months out; light construction supports rent growth.

Investment metrics

• 1% rule: 0.85% ✗
• Cap rate: 6.48%
• Cash-on-cash: 0.65%
• DSCR: 1.03
• GRM: 9.8

CMA / ARV

• ARV (median comp): $456,446
• List price: $430,000
• Delta: -5.79%
• 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
19 Jackson St	0.00mi	4/2.0	1,760 (0%)	0mo	$405,000	$230	100
290 Wakelee Ave	0.42mi	4/2.0	1,756 (-0%)	0mo	$412,000	$235	80
99 Westfield Ave	0.38mi	4/2.0	1,968 (+12%)	0mo	$470,000	$239	62
42 Bassett St	0.53mi	4/2.0	1,768 (+0%)	16mo	$500,000	$283	61
10 Ells St	0.65mi	4/2.0	1,824 (+4%)	3mo	$470,000	$258	61
47 Grove St	0.28mi	5/3.0 (+1)	1,890 (+7%)	9mo	$450,000	$238	58
126 Tremont St	0.65mi	3/2.0 (-1)	1,729 (-2%)	5mo	$340,000	$197	58
3 Avon St	0.31mi	3/2.5 (-1)	1,695 (-4%)	20mo	$440,000	$260	56
14 Holbrook Ct	0.13mi	4/2.0	1,512 (-14%)	21mo	$342,000	$226	53
13-15 Page St	0.71mi	4/2.0	1,755 (-0%)	18mo	$475,000	$271	51
32 Winter St	0.57mi	5/2.0 (+1)	1,824 (+4%)	18mo	$393,000	$215	47
28 Rufus St	0.57mi	5/2.0 (+1)	1,890 (+7%)	11mo	$450,000	$238	47

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 · 7.35% rent growth · sell at horizon

5-year hold

• IRR: -10.7%
• Equity multiple: 0.59×
• Total profit: $-48,856
• Equity at exit: $64,114

10-year hold

• IRR: 3.6%
• Equity multiple: 1.31×
• Total profit: $37,564
• Equity at exit: $37,179

Cash invested: $120,400 (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 06401

• Home prices YoY: -4.7%
• Rents YoY: 7.3%
• Active inventory: 52
• Price-to-rent: 19.6×

Monthly cashflow live

• Estimated rent: $3,651 high
• Mortgage (P&I): −$2,255
• Tax from tax record: −$384 /mo · $4,614/yr
• Insurance: −$179
• HOA: −$0
• Vacancy / Maint / Mgmt: −$767
• Net cashflow: $66

Break-even live

Break-even rent $3,568

Max offer price $430,000

Occupancy floor 93%

Sensitivity live

Price	-10% $309	-5% $187	+0% $66	+5% $-56	+10% $-178
Rent	-10% $-223	-5% $-79	+0% $66	+5% $210	+10% $354
Rate	-1.0pp $282	-0.5pp $175	base $66	+0.5pp $-46	+1.0pp $-159

2-unit breakdown (identical units grouped — click to expand)

Units	Beds	Baths	Est. rent
▸ 2× units	2	1	$3,652
Total (2 units)			$3,651

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: $107,500
• Closing costs: $12,900
• Reserves months: —
• Total cash needed: —

Rent comps 9 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
106 Howard Ave Unit R Ansonia, CT	3.0	1.5	1232	$2,400	$1.95	25d	1	0.40mi
14 Meadow St Ansonia, CT	3.0	1.0	2481	$2,800	$1.13	4d	1	0.42mi
21 Nichols St Ansonia, CT	4.0	2.0	2246	$2,900	$1.29	4d	1	0.48mi
57 Vine St Unit 2 Ansonia, CT	4.0	1.0	2200	$2,715	$1.23	45d	1	0.97mi
91 Jewett St Unit 1st Floor Ansonia, CT	3.0	1.0	1738	$2,600	$1.50	4d	1	1.02mi
92 Smith St Derby, CT	3.0	1.0	1722	$2,050	$1.19	16d	1	1.30mi
7 Hillside Ave Unit 2nd FL Seymour, CT	3.0	1.0	1304	$2,300	$1.76	45d	1	1.32mi
156 Hawthorne Ave Derby, CT	3.0	2.0	1710	$3,100	$1.81	12d	1	1.38mi
95 Park Ave Derby, CT	4.0	1.5	1930	$3,000	$1.55	4d	1	1.48mi

Listing history 19 events

1. 2026-05-12
   status Under Contract 863-char remark

   Show marketing remark (863 chars)

   Are you looking for an affordable multi family investment where the numbers make sense, or a flexible property with strong income potential? This well maintained 2 family in Ansonia presents a great opportunity. The first floor unit has been recently updated with fresh paint and a new stove and is currently unoccupied, offering immediate flexibility for the next owner. The second floor unit features 2 bedrooms and 1 full bathroom along with a spacious loft that adds additional living space. Major updates include a roof that is approximately 1.5 years old and water heaters that are less than 3 years old. Both units have their own porch and separate utilities, making management efficient. Located on a quiet street with convenient access to shopping, dining, and transportation, this property offers strong potential for both current use and future upside.

2. 2026-03-31
   price $430,000 863-char remark

   Show marketing remark (863 chars)

   Are you looking for an affordable multi family investment where the numbers make sense, or a flexible property with strong income potential? This well maintained 2 family in Ansonia presents a great opportunity. The first floor unit has been recently updated with fresh paint and a new stove and is currently unoccupied, offering immediate flexibility for the next owner. The second floor unit features 2 bedrooms and 1 full bathroom along with a spacious loft that adds additional living space. Major updates include a roof that is approximately 1.5 years old and water heaters that are less than 3 years old. Both units have their own porch and separate utilities, making management efficient. Located on a quiet street with convenient access to shopping, dining, and transportation, this property offers strong potential for both current use and future upside.

3. 2026-03-31
   status Active 863-char remark

   Show marketing remark (863 chars)

   Are you looking for an affordable multi family investment where the numbers make sense, or a flexible property with strong income potential? This well maintained 2 family in Ansonia presents a great opportunity. The first floor unit has been recently updated with fresh paint and a new stove and is currently unoccupied, offering immediate flexibility for the next owner. The second floor unit features 2 bedrooms and 1 full bathroom along with a spacious loft that adds additional living space. Major updates include a roof that is approximately 1.5 years old and water heaters that are less than 3 years old. Both units have their own porch and separate utilities, making management efficient. Located on a quiet street with convenient access to shopping, dining, and transportation, this property offers strong potential for both current use and future upside.

4. 2026-03-26
   status Active 863-char remark

   Show marketing remark (863 chars)

   Are you looking for an affordable multi family investment where the numbers make sense, or a flexible property with strong income potential? This well maintained 2 family in Ansonia presents a great opportunity. The first floor unit has been recently updated with fresh paint and a new stove and is currently unoccupied, offering immediate flexibility for the next owner. The second floor unit features 2 bedrooms and 1 full bathroom along with a spacious loft that adds additional living space. Major updates include a roof that is approximately 1.5 years old and water heaters that are less than 3 years old. Both units have their own porch and separate utilities, making management efficient. Located on a quiet street with convenient access to shopping, dining, and transportation, this property offers strong potential for both current use and future upside.

5. 2026-02-27
   historical 863-char remark

   Show marketing remark (863 chars)

   Are you looking for an affordable multi family investment where the numbers make sense, or a flexible property with strong income potential? This well maintained 2 family in Ansonia presents a great opportunity. The first floor unit has been recently updated with fresh paint and a new stove and is currently unoccupied, offering immediate flexibility for the next owner. The second floor unit features 2 bedrooms and 1 full bathroom along with a spacious loft that adds additional living space. Major updates include a roof that is approximately 1.5 years old and water heaters that are less than 3 years old. Both units have their own porch and separate utilities, making management efficient. Located on a quiet street with convenient access to shopping, dining, and transportation, this property offers strong potential for both current use and future upside.

6. 2026-02-12
   historical 863-char remark

   Show marketing remark (863 chars)

   Are you looking for an affordable multi family investment where the numbers make sense, or a flexible property with strong income potential? This well maintained 2 family in Ansonia presents a great opportunity. The first floor unit has been recently updated with fresh paint and a new stove and is currently unoccupied, offering immediate flexibility for the next owner. The second floor unit features 2 bedrooms and 1 full bathroom along with a spacious loft that adds additional living space. Major updates include a roof that is approximately 1.5 years old and water heaters that are less than 3 years old. Both units have their own porch and separate utilities, making management efficient. Located on a quiet street with convenient access to shopping, dining, and transportation, this property offers strong potential for both current use and future upside.

7. 2026-02-04
   status Under Contract 863-char remark

   Show marketing remark (863 chars)

   Are you looking for an affordable multi family investment where the numbers make sense, or a flexible property with strong income potential? This well maintained 2 family in Ansonia presents a great opportunity. The first floor unit has been recently updated with fresh paint and a new stove and is currently unoccupied, offering immediate flexibility for the next owner. The second floor unit features 2 bedrooms and 1 full bathroom along with a spacious loft that adds additional living space. Major updates include a roof that is approximately 1.5 years old and water heaters that are less than 3 years old. Both units have their own porch and separate utilities, making management efficient. Located on a quiet street with convenient access to shopping, dining, and transportation, this property offers strong potential for both current use and future upside.

8. 2026-01-28
   listed $399,000 Active 863-char remark

   Show marketing remark (863 chars)

   Are you looking for an affordable multi family investment where the numbers make sense, or a flexible property with strong income potential? This well maintained 2 family in Ansonia presents a great opportunity. The first floor unit has been recently updated with fresh paint and a new stove and is currently unoccupied, offering immediate flexibility for the next owner. The second floor unit features 2 bedrooms and 1 full bathroom along with a spacious loft that adds additional living space. Major updates include a roof that is approximately 1.5 years old and water heaters that are less than 3 years old. Both units have their own porch and separate utilities, making management efficient. Located on a quiet street with convenient access to shopping, dining, and transportation, this property offers strong potential for both current use and future upside.

9. 2026-01-26
   historical $399,000 863-char remark

   Show marketing remark (863 chars)

   Are you looking for an affordable multi family investment where the numbers make sense, or a flexible property with strong income potential? This well maintained 2 family in Ansonia presents a great opportunity. The first floor unit has been recently updated with fresh paint and a new stove and is currently unoccupied, offering immediate flexibility for the next owner. The second floor unit features 2 bedrooms and 1 full bathroom along with a spacious loft that adds additional living space. Major updates include a roof that is approximately 1.5 years old and water heaters that are less than 3 years old. Both units have their own porch and separate utilities, making management efficient. Located on a quiet street with convenient access to shopping, dining, and transportation, this property offers strong potential for both current use and future upside.

10. 2021-03-25
    soldstatus $227,000 Closed 566-char remark

    Show marketing remark (566 chars)

    Back on market! Come take a look before it's gone! This is a well taken care of 2 family home. Rent one floor and live in the other or bring your family along! The second floor boast beautiful hardwood floors , 2 bedrooms, nice sized eat in kitchen and bathroom. There is nice loft in one of the bedrooms where you can covert to a play area or reading nook. Enjoy the summer months in the enclosed back deck or sit in your lovely front porch. The first floor also has hardwood floors, 2 bedrooms, 1 bath and a nice exterior covered area for those grilling occasions.

11. 2021-03-24
    soldstatus $227,000
12. 2021-01-22
    listed $229,900 Active 566-char remark

    Show marketing remark (566 chars)

    Back on market! Come take a look before it's gone! This is a well taken care of 2 family home. Rent one floor and live in the other or bring your family along! The second floor boast beautiful hardwood floors , 2 bedrooms, nice sized eat in kitchen and bathroom. There is nice loft in one of the bedrooms where you can covert to a play area or reading nook. Enjoy the summer months in the enclosed back deck or sit in your lovely front porch. The first floor also has hardwood floors, 2 bedrooms, 1 bath and a nice exterior covered area for those grilling occasions.

13. 2020-03-23
    status Under Contract
14. 2020-03-23
    historical Under Contract - Continue to Show
15. 2020-03-21
    historical
16. 2020-03-17
    listed $195,000 Active
17. 2003-05-23
    soldstatus $169,900
18. 2002-12-15
    historical
19. 2002-08-15
    listed $139,900

ⓘ 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: $4,614 · $384/mo
• Projected year-2 tax: $6,908 · $576/mo
• Expected delta: +$2,294/yr (+$191/mo · 49.7%)

ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.

Climate risk First Street

• 🌊 Flood 6/10 Major FEMA zone X (unshaded) · 72% chance over 30 yrs
• 🔥 Wildfire 3/10 Moderate
• 🌡 Heat 6/10 Major 7 d/yr ≥98°F today · 17 d/yr by 30 yrs out
• 💨 Wind 6/10 Major 27% chance of damaging wind over 30 yrs
• 🫁 Air quality 4/10 Moderate 4 unhealthy d/yr today · 6 by 30 yrs out

Taxation est. · year 1

• Rental income: $43,812
• − Mortgage interest: −$24,087
• − Property taxes: −$4,614
• − Insurance: −$2,150
• − Repairs & maintenance: −$3,505
• − Management: −$3,505
• − Depreciation: −$12,509
• Taxable loss: −$6,558
• Est. tax savings @ 24.0%: +$1,574
• After-tax cash flow: $2,362/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: Ansonia School District
• NCES district ID: 0900060
• Math proficiency: 13% ▼ -15.00%
• Reading proficiency: 25% ▼ -12.00%
• Median HH income: $49,300
• Composite: 16.97/100
• National rank: #9132
• State rank: #144 of 153 in CT

Livability — Ansonia

• Score: 71/100
• State rank: #87
• US rank: #6938

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Ansonia, CT
• County: New Haven County · 688,236 people
• City population: 19,315
• Metro: New Haven-Milford, CT
• Population (ZIP): 19,315
• Household income: $86,178
• Rent vs Own: 41.7% rent · 58.3% own
• Severe rent burden: 541.0

Population outlook (Naugatuck Valley County) Hauer SSP2

• By 2040: 496,846

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Diverse neighborhood (Simpson 0.66)
• Race & ethnicity: White 50% Hispanic / Latino 25% Black 17% Two or more races 11% Asian 3%
• Hispanic origin (detail): Puerto Rican 11% Dominican 4%
• Common ancestry: Romanian 7% Russian 1% Scotch-Irish 1%
• Foreign-born: 18% · Canada, Jamaica, China
• Languages at home: 75% English-only · Spanish 15% Other Indo-European 5% Russian/Polish/Slavic 2%

Political lean MEDSL · Naugatuck Valley

• 2024 margin: Lean R (+7.4) · D 45.6% · R 53.0% · Other 1.4%
• All cycles: 2024: R+7.4

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -13.08%
• Current HPI: 264.8538
• Rent YoY: ▲ 7.35%
• Metro: New Haven-Milford, 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

+207.4% since first listed

19 events — show timeline

• 2026-05-12 Pending — Smart MLS
• 2026-03-31 Price Changed $430,000 Smart MLS
• 2026-03-31 Relisted — Smart MLS
• 2026-03-26 Relisted — Smart MLS
• 2026-02-27 Listing Removed — Smart MLS
• 2026-02-12 Listing Removed — Smart MLS
• 2026-02-04 Pending — Smart MLS
• 2026-01-28 Listed $399,000 Smart MLS
• 2026-01-26 Coming Soon $399,000 Smart MLS
• 2021-03-25 Sold (MLS) $227,000 Smart MLS
• 2021-03-24 Sold (Public Records) $227,000 Public Records
• 2021-01-22 Listed $229,900 Smart MLS
• 2020-03-23 Pending — Smart MLS
• 2020-03-23 Contingent — Smart MLS
• 2020-03-21 Listing Removed — Smart MLS
• 2020-03-17 Listed $195,000 Smart MLS
• 2003-05-23 Sold (Public Records) $169,900 Public Records
• 2002-12-15 Listing Removed — Smart MLS
• 2002-08-15 Listed $139,900 Smart MLS

Property tax history

+2.6%/yr

Latest (2023): $4,614 · +12.0% YoY. Source: county tax records.