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Single Family ResidenceResidential
$3,035,197$622 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 96How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jul 14, 2026
Last sold for $2,200,000 on Sep 16, 2005

38 SADDLE ROCK RD

STAMFORD, CT 06902
4
Beds
4.5
Baths
4,877 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
0.46 ac
Lot SizeThe size of the land the home sits on, from county records.
1988
Year BuiltThe year the home was originally built, according to county records.
3
StoriesHow many floors the home has above ground.
10
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.

Valuation

$3M
$2.9M low$3.2M high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$2,200,000 · Sep 16, 2005
Est. Owner EquityRoughly how much of the home's value the owner would keep after paying off known loans. It is our estimate minus the loans still owed.$0
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$0
Loan-to-ValueHow much is still owed on the home compared to what it is worth. 80% means loans equal 80% of our estimate, so it shifts when the estimate does.460%
1st MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$12,430,000
COUNTRYWIDE BANK · recorded Nov 9, 2007
2nd MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$915,000
JPMORGAN CHASE BANK NA

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$35,173 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$1,470,450 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$812,170
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$658,280
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$1,470,450
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$1,029,315

Climate Risk

Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.63 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.87%
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.1 percent flood zone

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
StyleThe architectural style of the home, such as ranch or colonial.Colonial
CountyWESTERN CONNECTICUT
Lot (acres)The size of the land the home sits on, from county records.0.46
RoofThe main material covering the roof, such as asphalt shingle or tile.Asphalt
HeatingThe type of heating system in the home.Forced Air With Air Conditioning
CoolingThe type of cooling or air conditioning in the home.Yes
FireplaceWhether the home has a fireplace, and what kind.Yes
GarageWhether the property has a garage, and details like whether it is attached to the home.Garage, Attached
PoolWhether the property has a pool, and what kind, such as in-ground.Spa/Hot Tub (Only)
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Deck

Transaction History(7)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

E
Rogers International SchoolC+
Elementary · Grades KG–8 · 2.4 mi
H
Stamford High SchoolD
High · Grades 9–12 · 2.9 mi

District: Stamford School District

Neighborhood · ZIP 06902These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.113
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.115
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.100

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.94%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.25%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.15%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.0%
PopulationHow many people live in this area.76,374
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.6,275 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$99,174
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$133,005
Average tempThe average temperature here across a full year.52°F
Annual precipHow much rain and melted snow falls here in a typical year.50 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.58%

Ownership

OccupancyWhether the owner appears to live here or somewhere else. It is inferred from the mailing address on record.Owner occupied
Company ownedWhether the owner is a company or trust rather than a person.Yes

Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

38 Saddle Rock Rd measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth more than 98% of homes in Stamford 06902
  • Costs more per square foot than 93% of homes in Stamford 06902
  • Bigger than 98% of homes in Stamford 06902
  • Has a bigger lot than 81% of homes in Shippan Point
  • Newer than 88% of homes in Shippan Point

What homes are worth in Stamford 06902

Each bar is how many homes fall in that price range. The marker is this home.

This home
$221K$2.7M

This home is worth more than 98% of homes in Stamford 06902.

How it measures up in Stamford 06902

The dot is this home. The mark in the middle is the typical home in Stamford 06902.

Estimated value$3,035,197
CheaperTypical $687,726Pricier

Pricier than 98% of homes nearby

Price per ft²$622
CheaperTypical $410Pricier

Pricier than 93% of homes nearby

Living area4,877 ft²
SmallerTypical 1,620 ft²Bigger

Bigger than 98% of homes nearby

Lot size0.46 ac
SmallerTypical 0.2 acBigger

Bigger than 78% of homes nearby

Year built1988
OlderTypical 1962Newer

Newer than 88% of homes nearby

How 38 Saddle Rock Rd ranks against every home in each area.
MeasureThis homeShippan PointStamford 06902Western Connecticut County
Estimated valuepricier than$3,035,19794% of homes98% of homes92% of homes
Price per ft²pricier than$62274% of homes93% of homes79% of homes
Living areabigger than4,877 ft²92% of homes98% of homes94% of homes
Lot sizebigger than0.46 ac81% of homes78% of homes40% of homes
Year builtnewer than198888% of homes88% of homes79% of homes

About 38 Saddle Rock Rd

How much is 38 Saddle Rock Rd, Stamford, CT worth?

The TopHap Estimate for 38 Saddle Rock Rd, Stamford, CT is $3,035,197 as of Jul 14, 2026. The likely range is $2,906,761 to $3,163,633. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 38 Saddle Rock Rd, Stamford, CT last sell?

38 Saddle Rock Rd, Stamford, CT last sold on Sep 16, 2005 for $2,200,000, according to the county's recorded deed. TopHap holds 2 recorded sales for this parcel.

How big is 38 Saddle Rock Rd, Stamford, CT?

38 Saddle Rock Rd, Stamford, CT has 4 bedrooms, 4.5 bathrooms, 4,877 square feet of living space and a 0.46-acre lot.

When was 38 Saddle Rock Rd, Stamford, CT built?

38 Saddle Rock Rd, Stamford, CT was built in 1988, making it 38 years old. It is a colonial home. The building has 3 stories.

What schools serve 38 Saddle Rock Rd, Stamford, CT?

38 Saddle Rock Rd, Stamford, CT is assigned to Rogers International School (elementary), rated C+; Stamford High School (high), rated D. All sit in Stamford School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 38 Saddle Rock Rd, Stamford, CT compare to other homes in Stamford 06902?

Among the 13,933 homes in Stamford 06902, it is worth more than 98% of them ($3,035,197 against a typical $687,726), its price per square foot is higher than 93% of them ($622 against a typical $410), it is bigger than 98% of them (4,877 ft² against a typical 1,620 ft²), its lot is bigger than 78% of them (0.46 ac against a typical 0.2 ac) and it is newer than 88% of them (1988 against a typical 1962). Measured against all of Western Connecticut County, it is worth more than 92% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 38 Saddle Rock Rd, Stamford, CT?

The 2025 property tax bill for 38 Saddle Rock Rd, Stamford, CT was $35,173. The county assessed it at $1,470,450.

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Assigned schools

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