109 Toggle Rd

Step 1 · Market value

Likely range $375,458 – $520,266, from 12 comparable Stafford sales in the past 18 months (home size estimated from assessor data — range widened).

Step 2 · The Director's Ratio

The state's official measure of how far Stafford assessments sit below market value — republished every October, applied town-wide. A $432,290 home should be assessed near $224,142.

Step 3 · Assessed value

Set at the last town-wide revaluation and mostly frozen since. That's $244,758 above what the ratio math suggests (109.2%).

Step 4 · The tax rate — same for every Stafford home

$1.048 Schools · 40% $0.603 County · 23% $0.972 Town · 37%

This home's own bill implies $1.321 per $100 — well off the general rate. That usually means the town revalued since the last bill.

Step 5 · The bill

This home vs. every recent Stafford sale · assessed ÷ market

78%130%

The evidence · comparable sales (SR1A usable-sale records)