14 Sky St · Southwood Acres, CT 06082

$219,900

3 bd · 1.0 ba · 1,008 sqft · SingleFamily public records · 3 Days on market

Built 1958 0.40 ac lot Est $296k · 26% under

---

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).

• Cash flow +18.3/30.0
• ARV discount +15.0/15.0
• 1% rule +5.7/10.0
• DSCR +5.7/10.0
• Livability +3.6/5.0
• Rent growth +3.5/5.0
• Schools +3.0/10.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Incredible view from your backyard. 3 Zone heat. Basement is finished with a kitchen and full bath as well. Kitchen features skylight and sliders to two tiered deck. Two storage sheds one has electricity. Some updates have been done. All offers must include as-is and short sale rider

Key facts

• Replaced windows
• Sunroom entrance
• Eat-in kitchen

Tags

• HARDWOOD FLOORS
• SUNROOM ENTRANCE
• EAT-IN KITCHEN
• SKYLIGHT
• TILE BACKSPLASH
• REPLACED WINDOWS

Property features AI

Exterior

• Utilities: Public water connected; Public sewer connected; Electric service (implied)
• Home design: Single-family home
• Construction: Frame construction; Concrete foundation; Asphalt shingle roof; White exterior color
• Exterior features: Gutters; Exterior lighting; Vinyl siding; Property borders open space; Located in a subdivision; Sloping lot

Interior

• Kitchen: Oven/Range; Microwave; Refrigerator; Dishwasher
• Bedrooms: 3 bedrooms
• Bathrooms: 1 full bathroom
• Heating & cooling: Hot water heating (oil fuel); Wall unit cooling
• Interior features: Full, partially finished basement with hatchway access; Attic with hatch access; Wall unit cooling; Ridge vents and thermopane windows (energy features)
• Laundry & utility: Laundry room on lower level; 40-gallon hot water tank; Oil-fired hot water heating (fuel tank located in basement)

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $220k.

Deal economics

• At list price, monthly cash flow is $200 ($2k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $220k).
• Cap rate 7.4% vs local median 4.2% in Southwood Acres — 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 72/100 on livability (#83 in CT) — a middle-class / working-renter tenant base. Strengths: employment A+, housing A+, crime A; Watch: cost of living C-, amenities F, commute F.
• Enfield School District (suburban): math 25% / reading 41% proficiency, ranked #114 of 153 in CT (top 74%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Zoned schools: Hazardville Memorial School (329 students, 44% FRL); John F. Kennedy Middle School (math 22% / reading 39%, grade F, #138 of 175 statewide, top 79%, 1,096 students, 46% FRL); Enfield High School (math 29% / reading 54%, grade F, #102 of 194 statewide, top 53%, 1,490 students, 40% FRL).
• Market conditions: Rents rising (+3.9%/yr); 188 active listings in the ZIP; 1 comparable units currently listed for rent nearby; solid renter incomes; 1,867 units permitted in Capitol Planning Region in 2024 (1,399 in 5+ unit buildings).
• This rent runs 31% of the median local income ($90k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $2k of loan paydown is wiped out by about $7k of value loss. Plan a longer hold.

Negotiation context

• Only 3 days on market — expect competitive offers; lowballing is unlikely to land.
• 5 sale attempts since 19y 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 $132k; list at $220k implies a 67% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: built in 1958 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: major wind risk, 27% chance of damaging wind over 30y — expect insurance premiums to compound above CPI over the hold.

Recommended offer $219,900

Questions for the listing agent

1. Built in 1958 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
2. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
3. 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.
4. 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.
5. 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: 7.38%
• Cash-on-cash: 3.89%
• DSCR: 1.17
• GRM: 7.8

CMA / ARV

• ARV (on-the-fly): $296,352
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
14 Sky St	0.00mi	3/1.0	1,008 (0%)	0mo	$250,000	$248	100
20 Light St	0.28mi	3/1.0	1,056 (+5%)	7mo	$335,000	$317	73
17 Dune Rd	0.32mi	3/2.0	960 (-5%)	2mo	$240,000	$250	71
37 Indian Run	0.27mi	3/2.0	1,107 (+10%)	2mo	$325,000	$294	66
9 Glendale Rd	0.62mi	3/1.5	1,025 (+2%)	1mo	$361,500	$353	65
5 Arrow St	0.45mi	3/1.0	960 (-5%)	8mo	$290,000	$302	65
15 Sidor Dr	0.58mi	3/1.0	1,008 (0%)	16mo	$250,000	$248	60
7 Duprey Dr	0.70mi	3/1.0	1,008 (0%)	10mo	$275,000	$273	59
23 Sidor Dr	0.57mi	3/1.0	1,056 (+5%)	8mo	$280,000	$265	58
19 Theodore St	0.71mi	3/1.0	1,008 (0%)	11mo	$302,000	$300	57
42 Play Rd	0.16mi	3/1.0	1,155 (+15%)	15mo	$330,000	$286	56
2 Oakridge Dr	0.62mi	3/1.0	1,104 (+10%)	8mo	$350,000	$317	49

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 · 3.9% rent growth · sell at horizon

5-year hold

• IRR: -9.0%
• Equity multiple: 0.67×
• Total profit: $-20,626
• Equity at exit: $32,788

10-year hold

• IRR: 1.7%
• Equity multiple: 1.13×
• Total profit: $7,959
• Equity at exit: $19,013

Cash invested: $61,572 (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 06082

• Rents YoY: 3.9%
• Active inventory: 188
• Price-to-rent: 7.8×

Monthly cashflow live

• Estimated rent: $2,364 medium
• Mortgage (P&I): −$1,153
• Tax from tax record: −$423 /mo · $5,072/yr
• Insurance: −$92
• HOA: −$0
• Vacancy / Maint / Mgmt: −$496
• Net cashflow: $200

Break-even live

Break-even rent $2,111

Max offer price $219,900

Occupancy floor 87%

Sensitivity live

Price	-10% $324	-5% $262	+0% $200	+5% $138	+10% $75
Rent	-10% $13	-5% $106	+0% $200	+5% $293	+10% $386
Rate	-1.0pp $310	-0.5pp $256	base $200	+0.5pp $143	+1.0pp $85

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: $54,975
• Closing costs: $6,597
• Reserves months: —
• Total cash needed: —

Rent comps 1 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
21 David St Enfield, CT	3.0	1.0	1008	$2,600	$2.58	45d	1	0.88mi

Listing history 12 events

1. 2026-05-16
   status Under Contract
2. 2026-05-11
   listed $219,900 Active
3. 2012-12-20
   soldstatus $132,000 284-char remark

   Show marketing remark (284 chars)

   Incredible view from your backyard. 3 Zone heat. Basement is finished with a kitchen and full bath as well. Kitchen features skylight and sliders to two tiered deck. Two storage sheds one has electricity. Some updates have been done. All offers must include as-is and short sale rider

4. 2012-08-01
   listed $139,000 284-char remark

   Show marketing remark (284 chars)

   Incredible view from your backyard. 3 Zone heat. Basement is finished with a kitchen and full bath as well. Kitchen features skylight and sliders to two tiered deck. Two storage sheds one has electricity. Some updates have been done. All offers must include as-is and short sale rider

5. 2011-10-30
   historical
6. 2010-05-18
   listed $160,000
7. 2009-09-19
   historical
8. 2009-06-17
   listed $224,900
9. 2007-08-31
   soldstatus $210,000
10. 2007-08-31
    soldstatus $210,000
11. 2007-08-31
    soldstatus $210,000
12. 2007-04-25
    listed $215,000

ⓘ 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: $5,072 · $423/mo
• Projected year-2 tax: $5,072 · $423/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 4/10 Moderate 7 d/yr ≥97°F today · 15 d/yr by 30 yrs out
• 💨 Wind 6/10 Major 27% chance of damaging wind over 30 yrs
• 🫁 Air quality 3/10 Moderate 2 unhealthy d/yr today · 3 by 30 yrs out

Taxation est. · year 1

• Rental income: $28,363
• − Mortgage interest: −$12,318
• − Property taxes: −$5,072
• − Insurance: −$1,100
• − Repairs & maintenance: −$2,269
• − Management: −$2,269
• − Depreciation: −$6,397
• Taxable loss: −$1,062
• Est. tax savings @ 24.0%: +$255
• After-tax cash flow: $2,652/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: Enfield School District
• NCES district ID: 0901470
• Math proficiency: 25% ▼ -14.00%
• Reading proficiency: 41% ▼ -10.00%
• Median HH income: $68,750
• Composite: 30.42/100
• National rank: #6238
• State rank: #114 of 153 in CT

Livability — Southwood Acres

• Score: 72/100
• State rank: #83
• US rank: #6054

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Southwood Acres, CT
• County: Hartford County · 754,208 people
• Metro: Hartford-East Hartford-Middletown, CT
• Population (ZIP): 41,090
• Household income: $90,404
• Rent vs Own: 24.3% rent · 75.7% own
• Severe rent burden: 954.0

Population outlook (Capitol County) Hauer SSP2

• By 2040: 1,063,519

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (76%)
• Race & ethnicity: White 76% Hispanic / Latino 11% Two or more races 9% Black 5% Asian 2%
• Hispanic origin (detail): Mexican 1% Puerto Rican 7%
• Common ancestry: Romanian 10% Lithuanian 9% Slovak 2%
• Foreign-born: 6% · Canada, Jamaica
• Languages at home: 89% English-only · Spanish 5% Other Indo-European 2% Russian/Polish/Slavic 1%

Political lean MEDSL · Capitol

• 2024 margin: Strong D (+21.9) · D 60.1% · R 38.2% · Other 1.7%
• All cycles: 2024: D+21.9

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -494.72%
• Current HPI: 192.4011
• Rent YoY: ▲ 3.90%
• Metro: Hartford-East Hartford-Middletown, 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

+2.3% since first listed

12 events — show timeline

• 2026-05-16 Pending — Smart MLS
• 2026-05-11 Listed $219,900 Smart MLS
• 2012-12-20 Sold (MLS) $132,000 Smart MLS
• 2012-08-01 Listed $139,000 Smart MLS
• 2011-10-30 Listing Removed — Smart MLS
• 2010-05-18 Listed $160,000 Smart MLS
• 2009-09-19 Listing Removed — Smart MLS
• 2009-06-17 Listed $224,900 Smart MLS
• 2007-08-31 Sold (Public Records) $210,000 Public Records
• 2007-08-31 Sold (Public Records) $210,000 Public Records
• 2007-08-31 Sold (MLS) $210,000 Smart MLS
• 2007-04-25 Listed $215,000 Smart MLS

Property tax history

+2.6%/yr

Latest (2025): $5,072 · +3.8% YoY. Source: county tax records.