Villain's stats:

# of Hands = 178

SB Steal = 57

Fold to 3bet = 7

Fold to cbet in 3bet pot = 33

IPoker, $1/$2 No Limit Hold'em Cash, 2 Players
Poker Tools Powered By Holdem Manager - The Ultimate Poker Software Suite.

SB: $411.31 (205.7 bb)
Hero (BB): $350.26 (175.1 bb)

Preflop: Hero is BB with Qs Ts
SB raises to $4, Hero raises to $14, SB calls $10

Flop: ($28) 2d 7c Ac (2 players)
Hero bets $19.60, SB calls $19.60

Turn: ($67.20) Qd (2 players)
Hero checks, SB bets $47.04, Hero calls $47.04

River: ($161.28) 5h (2 players)
Hero checks, SB bets $96, Hero calls $96

I keep finding myself in these situations.

Holding second pair, opting to x/c turn and river convincing myself that my opponent has a flush draw.

What factors should I consider when deciding if I should call or fold?