Stutzman Intelligence Report — May 05, 2026

MONADNOCK CYBER • INTELLIGENCE DIVISION MAY 05, 2026 PRIVATE • CONFIDENTIAL ICOD: May 04 2026 00:00 The Stutzman Report Off-Market Intelligence Properties that aren’t on the MLS. Auction reserves, withdrawn listings, owner-direct opportunities, and distressed inventory the typical buyer pool never sees — measured against our independent valuation model and flagged underpriced, fairly valued, or overpriced. If it’s on the MLS, you don’t need us to find it. Everything below is off-market — properties that won’t show up on Zillow, Redfin, or your agent’s search. We surface them through public-record analysis, distress signal monitoring, and direct off-market intelligence, then run each one through our independent valuation model so you know what it’s actually worth. Why this matters: Off-market deals trade quieter, with less competition, and almost always close at a different number than a public listing would. The properties below are sitting in those blind spots right now. Subscribers receive the full file — every address, every owner, every signal. One-off reports cover a single property in detail, and advisory engagements are available for specific decisions. Locations here are shown at city and ZIP so the broader pattern is visible without identifying individual properties. Want the file? — jstutzman@monadnockcyber.ai  |  (603) 930-2222 Information Cut-Off Date Monday, May 04, 2026 · 00:00 Every figure in this report — valuations, mispricing, confidence scores, the off-market pool itself — is locked to the moment above. Anything our valuation engine has revised since then is intentionally not reflected here. This is a snapshot, not a live feed. How We Got Here Every property below started in a pool of more than a million. Here’s how the funnel narrows from continent-wide to actionable. Properties valued (nationwide) 1,030,080 New Hampshire 20,049 Through revaluation pipeline 16,725 Off-market & mispriced this week 9 1 underpriced · 8 overpriced What’s on the Table Across the 9 off-market properties we surfaced this week, the combined asking total is $8,704,000. Our independent valuation puts the true value at $7,825,057 — an implied $44,771 of mispricing sitting in deals that don’t appear on the MLS, Zillow, or Redfin. Average asking price: $967,111 · Average AVM: $869,451 · Confidence floor: 70% (most clear 80%+). The properties span auction reserves, withdrawn listings, owner-direct opportunities, distressed commercial, and capital-gains-pressure sellers. Sources are protected; the value is in the access. Sample — Top 25 by Mispricing A representative slice; the full file lists every off-market property # TYPE LOCATION REFAX AVM ASK Δ ANALYTIC CONFIDENCE 1 OVER ROCHESTER, NH 🔒 $949,382 $1,100,000 +15.9% 92% 2 OVER ROCHESTER, NH 🔒 $949,382 $1,100,000 +15.9% 92% 3 OVER Andover, NH 03216 🔒 $410,511 $474,000 +15.5% 95% 4 UNDER Concord, NH 03301 🔒 $314,771 $270,000 −14.2% 95% 5 OVER MERRIMACK, NH 🔒 $989,312 $1,100,000 +11.2% 90% 6 OVER MANCHESTER, NH 🔒 $1,033,066 $1,145,000 +10.8% 84% 7 OVER MANCHESTER, NH 🔒 $880,426 $975,000 +10.7% 87% 8 OVER PEMBROKE, NH 🔒 $1,074,836 $1,190,000 +10.7% 91% 9 OVER MANCHESTER, NH 🔒 $1,223,371 $1,350,000 +10.4% 84% Want the full off-market file? Every off-market property — all 9 addresses, owners, and signals — delivered to your inbox every Monday before 7 AM. Get Full Access → Single report $39.99 • $149/mo unlimited Distress Signals by Market Active motivated-seller indicators SIGNAL TYPE MARKET COUNT High Equity Free Clear Derry, NH 170 Senior Owner Derry, NH 152 High Equity Free Clear Portsmouth, NH 104 High Equity Derry, NH 71 Expired Listing Amherst, NH 59 Death Laconia, NH 45 Absentee Owner Derry, NH 40 Senior Owner Portsmouth, NH 40 HOW WE VALUE PROPERTIES The REFAX AVM is an ensemble that runs each property through several established analytic models in parallel and reconciles the outputs into a single estimate. The components include: Sales Comparison Approach — matched comparable sales by bedroom count, lot size, age, location, and property characteristics (5-factor model). Assessment-Calibrated Equalization — municipal assessed value adjusted by current equalization ratio. Equity / Cost Approach — reconstruction cost less depreciation, cross-checked against owner equity history. Distress & Income Models — income-cap for multifamily and commercial, distress-discount overlays for auctions and pre-foreclosure inventory. Every estimate is then independently validated by our Fred & Ethel™ QA system. Fred re-values each property under tight comparable criteria; Ethel audits the underlying data integrity across multiple sources. Disagreements between models trigger analyst review before publication. Analytic Confidence reflects model agreement and comp quality: 90%+ strong   75-89% good   60-74% moderate   <60% limited GREEN = asking below estimate   YELLOW = fairly priced   RED = asking above estimate All valuations are independently validated by the Fred & Ethel™ verification system. Fred re-values each property using tight comparable criteria; Ethel audits data integrity across multiple sources. Each property receives a confidence grade (A–F) before publication. This process mitigates errors, data anomalies, and model limitations. Grades reflect analytic rigor, not investment advice. Unlock the Full Intelligence Feed You just saw 10 properties out of 31298 flagged this week. ReFax™ Pro subscribers get: ✓  Full street addresses on every property ✓  Owner names, phones & email when available ✓  4-method AVM breakdown with confidence scores ✓  AI-generated property assessments ✓  Distress signal overlays & motivated seller alerts ✓  Delivered to your inbox Mon & Wed before 7 AM Get Your Report → Single report $39.99 • $149/mo unlimited Questions? jstutzman@monadnockcyber.ai • (603) 930-2222 Monadnock Cyber, LLC 71 NH 101A Suite 11, Amherst, NH 03031 Jeff Stutzman • jstutzman@monadnockcyber.ai • (603) 930-2222 This report is prepared exclusively for qualified investors and industry professionals. Information is derived from public records, verified commercial sources, and proprietary intelligence models. Not an offer to sell or solicitation. All data believed reliable but not guaranteed. 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Milford Homes Sell Fast

May 04, 2026 Market Intelligence Briefing

A review of current market data reveals a striking disparity in sales trends between Milford and Wilton, NH. While homes in Milford are selling in just 35 days with 67% of listings closing above ask, those in Wilton are taking 164 days to sell with none selling above ask. This divergence highlights the importance of localized market analysis for buyers and sellers.

In Milford, the median sold price is $415,000, with a mere 1 month of supply. In contrast, Wilton's median sold price is $355,000, with a more substantial 4 months of supply. Amherst, NH, presents a different picture altogether, with a median sold price of $865,000 and homes selling in 35 days, indicative of a highly competitive market.

Town-by-Town Analysis

Milford, NH: With 17 active listings averaging $838,282, buyers may find value in properties like 545 Elm Street #4, listed at $229,900. This 3bd/2ba, 1104 sqft condo offers a compelling price point in a market where homes are selling quickly.

Wilton, NH: The 11 active listings here average $414,963. A notable listing is A 66 Burton Highway, priced at $175,000, presenting an opportunity for buyers looking for a more affordable entry point into the Wilton market.

Amherst, NH: Among the 29 active listings averaging $892,651, 4 Milford Street stands out as a potential best buy at $204,900. However, buyers should be prepared to act swiftly in this competitive environment.

Market Implications

The current 30yr mortgage rate of 6.3% (as of 2026-04-30) underscores the need for informed decision-making. REFax™ analyzes over 150 data sources to provide actionable insights, empowering buyers and sellers to navigate these complex market conditions effectively.

For those looking to capitalize on the current market trends, understanding the local dynamics is crucial. Whether you're a buyer seeking the best value or a seller aiming to maximize your return, having accurate and timely intelligence is paramount.

Take Action

Jeff Stutzman is a former intelligence officer and the founder of Monadnock Cyber, a real estate intelligence and analysis firm. He builds tools like REFax™ that give buyers, sellers, and agents the information advantage — because in real estate, what you don't know costs you money.

Need a realtor who actually knows the data? Contact Kathy MacKinnon at KathyMackinnon@monadnockcyberrealty.com

When Gas Is Expensive, Homes Don't Have to Be

When Gas Is Expensive, Homes Don’t Have to Be

The cost of everything is up. Gas at the pump. Eggs. The truck you drive to work. None of that is news.

Here’s something that is: across New Hampshire, 321 active listings are currently Priced Below AVM. 14 of them are in Portsmouth — in a market where the median sale closed at $720,000 over the past year.

A buy with built-in equity isn’t theoretical. It’s a math problem with a known answer.

We run the math on every active off-market listing that we find. Over a million property records evaluated to date. Coverage started in New Hampshire and now extends through Massachusetts, Maryland, DC, and West Virginia. For each property we compute a current market value and compare it to the asking price. When asking comes in below value, we mark it “Priced Below AVM.” That’s not a recommendation, an opinion, or a hot take. It’s the arithmetic difference between two numbers.

Portsmouth by the numbers (rolling 12 months)

• 23 closed sales
• Median sale price: $720,000
• Range: $309,500 to $1.8 million
• 34 active listings on the market today
• 14 active listings Priced Below AVM

What does this mean for a buyer in May 2026?

• You can’t control the price of gas.
• You can’t control mortgage rates.
• You CAN control whether the house you buy already has equity in it the day you close.

Built-in equity at purchase is the one kind that doesn’t depend on the market going your way later. Rates can move. The market can drift. Equity you bought at the closing table doesn’t care.

Most agents don’t run AVMs against active inventory. Most buyers don’t ask. That’s the gap. We close it.

If you’re watching a specific house — or a specific town — pull a REFax™ report. We’ll show you where the asking price sits relative to value, what comparable closings look like, and whether the listing is priced for the market or against it.

Off-market opportunities don’t show up on Zillow. If you want us to look beyond what’s listed, get in touch.

Gas might be expensive. Your next house doesn’t have to be.

— Monadnock Cyber, LLC refax.pro

Milford Homes Sell Fast

May 01, 2026 Market Intelligence Briefing

A review of current market data reveals a striking disparity in sales trends between Milford and Wilton, NH. While homes in Milford are selling in just 35 days with 67% of listings closing above ask, those in Wilton are taking 164 days to sell with none selling above ask. This divergence highlights the importance of localized market analysis for buyers and sellers.

In Milford, the median sold price stands at $415,000, with a mere 1 month of supply. In contrast, Wilton's median sold price is $355,000, with a more substantial 4 months of supply. Amherst, NH, presents a different picture altogether, with a median sold price of $865,000 and homes selling in 35 days, indicative of a highly competitive market.

Town-by-Town Analysis

Milford, NH: With 17 active listings averaging $839,752, buyers may find value in properties like 545 Elm Street #4, listed at $229,900. This 3-bedroom, 2-bathroom condo offers 1104 square feet of living space, making it a standout in terms of price per square foot.

Wilton, NH: The 11 active listings here average $414,963. A notable listing is A 66 Burton Highway, priced at $175,000, presenting an opportunity for buyers looking for a more affordable entry point into the market.

Amherst, NH: Among the 29 active listings averaging $885,551, 4 Milford Street stands out as a potential best buy at $204,900. However, buyers should be prepared to act quickly in this competitive environment.

Market Implications

The current 30-year mortgage rate of 6.3% (as of 2026-04-30) underscores the need for informed decision-making. REFax™ analyzes over 150 data sources to provide actionable insights, empowering buyers and sellers to navigate these complex market conditions effectively.

For those looking to capitalize on the current market trends, understanding the local dynamics is crucial. Whether you're a buyer seeking the best value or a seller aiming to maximize your return, having accurate and timely information is key.

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Jeff Stutzman is a former intelligence officer and the founder of Monadnock Cyber, a real estate intelligence and analysis firm. He builds tools like REFax™ that give buyers, sellers, and agents the information advantage — because in real estate, what you don't know costs you money.

Need a realtor who actually knows the data? Contact Kathy MacKinnon at KathyMackinnon@monadnockcyberrealty.com

Milford Homes Sell

Market Intelligence Briefing - April 30, 2026

A review of current market data reveals a notable disparity in sales trends between Milford and Wilton, NH. While homes in Milford are selling above ask price 67% of the time, with a median sold price of $415,000, those in Wilton are not selling above ask at all, with a median sold price of $355,000. This divergence suggests that buyers and sellers should be aware of the distinct market conditions in each town to inform their strategies.

REFax™ analyzes over 150 data sources to provide actionable insights into the NH real estate market. In Milford, homes are selling quickly, with a median days on market (DOM) of 35 days and only 1 month of supply. In contrast, Wilton's DOM is significantly longer at 164 days, with 4 months of supply. Amherst, NH, presents a different picture altogether, with a median sold price of $865,000 and homes selling in 35 days, indicating a highly competitive market.

A standout property in Milford is 545 Elm Street #4, Milford, NH 03055, listed at $229,900. This 3-bedroom, 2-bathroom condo offers 1104 square feet of living space, making it an attractive option for buyers looking for value in the area. With the current 30-year mortgage rate at 6.3% as of April 30, 2026, according to FRED, buyers should carefully consider their financing options when making an offer.

Given these market conditions, sellers in Milford and Amherst should be prepared for quick sales and potentially multiple offers, while those in Wilton may need to adjust their pricing strategies or be prepared for a longer selling process. Buyers, on the other hand, should be ready to act swiftly in competitive markets like Milford and Amherst, and negotiate aggressively in areas like Wilton where sellers may be more open to price reductions.

To navigate these complex market dynamics effectively, it's essential to have access to timely and accurate property intelligence. REFax™ provides the tools and insights needed to make informed decisions. Whether you're a buyer looking for the best value or a seller aiming to maximize your return, understanding the current market trends is crucial.

For a deeper dive into the NH real estate market and to discover

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Jeff Stutzman is a former intelligence officer and the founder of Monadnock Cyber, a real estate intelligence and analysis firm. He builds tools like REFax™ that give buyers, sellers, and agents the information advantage — because in real estate, what you don't know costs you money.

Need a realtor who actually knows the data? Contact Kathy MacKinnon at KathyMackinnon@monadnockcyberrealty.com

Milford Homes Sell

Market Intelligence Briefing - April 29, 2026

A review of current market data reveals a striking disparity in sales trends between Milford and Wilton, NH. While homes in Milford are selling above ask price 67% of the time, with a median sold price of $415,000, those in Wilton are not selling above ask at all, with a median sold price of $355,000. This divergence suggests that buyers and sellers must be keenly aware of local market conditions to make informed decisions.

In Milford, the median days on market (DOM) is 35 days, with only 1 month of supply available. In contrast, Wilton's DOM is 164 days, with 4 months of supply. Amherst, NH, presents a different picture altogether, with a median sold price of $865,000 and a DOM of 35 days, as of the week ending January 31, 2026.

REFax™ analyzes over 150 data sources to provide actionable insights for buyers and sellers. One standout property is 545 Elm Street #4, Milford, NH 03055, listed at $229,900. This 3-bedroom, 2-bathroom home offers 1104 square feet of living space, making it an attractive option for those looking to enter the Milford market.

In Amherst, 4 Milford Street is listed at $204,900, but REFax™'s automated valuation model (AVM) estimates its value to be between $274,710 and $545,321, suggesting potential upside for buyers. With current mortgage rates at 6.23% for a 30-year loan, as of April 23, 2026, buyers must carefully consider their financing options.

For sellers, understanding the local market dynamics is crucial. In areas like Milford, where homes are selling quickly and often above ask, pricing strategies should be adjusted accordingly. Conversely, in markets like Wilton, sellers may need to be more aggressive with their pricing to attract buyers.

To navigate these complex market conditions, buyers and sellers can leverage REFax™ to gain a deeper understanding of the properties that interest them. By analyzing current listings, sales trends, and other key factors, individuals can make more informed decisions about their real estate investments.

Get your free REFax™ property report at

Jeff Stutzman is a former intelligence officer and the founder of Monadnock Cyber, a real estate intelligence and analysis firm. He builds tools like REFax™ that give buyers, sellers, and agents the information advantage — because in real estate, what you don't know costs you money.

Need a realtor who actually knows the data? Contact Kathy MacKinnon at KathyMackinnon@monadnockcyberrealty.com

Milford Homes Sell Fast

Market Intelligence Briefing - April 28, 2026

A review of current market data reveals a striking disparity in sales trends between Milford and Wilton, NH. While homes in Milford are selling in just 35 days with 67% of listings selling above ask, those in Wilton are taking 164 days to sell with none selling above ask. This divergence highlights the importance of localized market analysis for buyers and sellers.

REFax™ analyzes over 150 data sources to provide actionable insights into the NH real estate market. In Milford, the median sold price is $415,000, with only 1 month of supply and 33% of listings cutting prices. In contrast, Wilton's median sold price is $355,000, with 4 months of supply and 25% of listings cutting prices. Amherst, NH, presents a different picture altogether, with a median sold price of $865,000, 1 month of supply, and no reported price drops.

A standout property in Milford is 545 Elm Street #4, Milford, NH 03055, listed at $229,900. This 3bd/2ba, 1104 sqft unit offers a compelling value proposition in a highly competitive market. Similarly, in Wilton, 374 Burton Highway, Wilton, NH 03086 is priced at $349,900, representing a best-in-class $306/sqft.

Given the current 30yr mortgage rate of 6.23% (as of 2026-04-23), buyers and sellers must be strategic in their decision-making. For those looking to capitalize on the market's opportunities, it is essential to stay informed about local trends and pricing. REFax™ provides the necessary tools and insights to navigate NH's complex real estate landscape.

To make informed decisions, buyers and sellers should prioritize access to accurate, up-to-date market data. Contact Kathy MacKinnon at kmackinnon@monadnockcyber.ai to schedule a consultation and gain a deeper understanding of the local market. Alternatively, get your free REFax™ property report at https://refax.pro to start making data-driven decisions today.

In conclusion, the NH real estate market presents both challenges and opportunities. By leveraging REFax™ and staying attuned to local trends, buyers and sellers can optimize

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Jeff Stutzman is a former intelligence officer and the founder of Monadnock Cyber, a real estate intelligence and analysis firm. He builds tools like REFax™ that give buyers, sellers, and agents the information advantage — because in real estate, what you don't know costs you money.

Need a realtor who actually knows the data? Contact Kathy MacKinnon at KathyMackinnon@monadnockcyberrealty.com

Milford Homes Sell

Market Intelligence Briefing - April 26, 2026

A review of current market data reveals a striking disparity in sales trends between Milford and Wilton, NH. While homes in Milford are selling above ask price 67% of the time, with a median sold price of $415,000, those in Wilton are not selling above ask at all, with a median sold price of $355,000. This divergence suggests that buyers and sellers must be keenly aware of local market conditions to make informed decisions.

REFax™ analyzes over 150 data sources to provide actionable insights into the NH real estate market. In Milford, homes are selling in just 35 days, with only 1 month of supply available. In contrast, Wilton homes are taking 164 days to sell, with 4 months of supply on the market. Amherst, NH, presents a different picture altogether, with a median sold price of $865,000 and homes selling in 35 days, indicating a highly competitive market.

A standout property in Milford is 545 Elm Street #4, Milford, NH 03055, listed at $229,900. This 3-bedroom, 2-bathroom condo offers 1104 square feet of living space, making it an attractive option for buyers looking for a relatively affordable entry point into the Milford market.

Given the current market conditions, buyers should be prepared to act quickly in competitive markets like Milford and Amherst, where homes are selling rapidly. Sellers, on the other hand, may need to adjust their pricing strategies in slower markets like Wilton, where 25% of listings have experienced price cuts. With 30-year mortgage rates at 6.23% as of April 23, 2026, buyers should also consider the impact of financing costs on their purchasing power.

To navigate these complex market dynamics, it is essential to have access to timely and accurate data. REFax™ provides the insights needed to make informed decisions in the NH real estate market. Whether you are a buyer, seller, or real estate professional, understanding local market trends is crucial for success.

For a deeper understanding of the market and to discover opportunities like 545 Elm Street #4, Milford, NH 03055, get your free REFax™ property report at

Jeff Stutzman is a former intelligence officer and the founder of Monadnock Cyber, a real estate intelligence and analysis firm. He builds tools like REFax™ that give buyers, sellers, and agents the information advantage — because in real estate, what you don't know costs you money.

Need a realtor who actually knows the data? Contact Kathy MacKinnon at KathyMackinnon@monadnockcyberrealty.com