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565 Elm St, Concord, MA, 01742

4beds
4baths
3,239sqft
$1,974,900
$610price/sqft
$13,177/moest. monthly cost
$527,080/yrincome needed

About This Home

Better than new construction, this classic New England farmhouse has been extensively rebuilt, expanded, and fully upgraded for modern living. The vast majority of the home has been reimagined with new plumbing, electrical, dual HVAC systems, roof, windows, and siding—delivering the peace of mind of new construction without the wait. Structural improvements include engineered steel beams and reinforced supports, creating a true open-concept layout. The main level sports a gourmet kitchen with a large island, dining area, and expansive "great room" living. Sliding doors lead to a mahogany deck, lush yard, and in-ground pool, your own private haven in the middle of it all! First-floor in-law suite. Upstairs, a newly built primary suite with a spa-inspired bathroom and a walk-in closet! Two additional bedrooms, Jack-and-Jill bath, and laundry with quartz counters. Finished basement with 2-car garage.All the character of Concord, none of the headaches!

Getting Around

27
WalkingCar-Dependent
0
TransitVery Limited Transit
44
BikeSomewhat Bikeable

Schools

8/10
Willard SchoolGrades PK-52.3 mi
7/10
Concord Middle SchoolGrades 6-81.8 mi
10/10

Construction

Condition

  • Year built: 1972

Materials

  • Foundation: Concrete Perimeter
  • Roof: Shingle
  • Construction materials: Conventional (2x4-2x6)

Type & Style

  • Home type: SingleFamily
  • Architectural style: Colonial
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Electric Water Heater
  • Laundry features: Second Floor,Electric Dryer Hookup,Washer Hookup

Basement

  • Has basement: Yes
  • Basement: Full,Partial,Finished,Walk-Out Access,Interior Entry,Garage Access

Bathroom1

  • Level: First

Bathroom2

  • Level: Second

Bathroom3

  • Level: Second

Bedroom2

  • Level: Second

Bedroom3

  • Level: Second

Bedroom4

  • Level: Second

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 4
  • Full bathrooms: 3
  • 1/2 bathrooms: 1

Dining Room

  • Features: Flooring - Hardwood, Open Floorplan, Recessed Lighting
  • Level: First

Family Room

  • Features: Open Floorplan
  • Level: Basement

Features

  • Number of fireplaces: 1
  • Fireplace: Yes
  • Finished area below ground: 737
  • Finished area above ground: 2,502

Heating & Cooling

  • Heating features: Central,Heat Pump
  • Cooling features: Central Air,Heat Pump

Interior Area

  • Total structure area: 3,239
  • Total interior livable area: 3,239 sqft

Kitchen

  • Features: Flooring - Hardwood, Dining Area, Countertops - Stone/Granite/Solid, Countertops - Upgraded, Kitchen Island, Open Floorplan, Recessed Lighting, Stainless Steel Appliances
  • Level: Main,First

Living Room

  • Features: Flooring - Hardwood, Open Floorplan, Recessed Lighting
  • Level: First

Master Bathroom

  • Features: Yes

Master Bedroom

  • Features: Flooring - Hardwood, Recessed Lighting
  • Level: Second

Property

Details

  • Parcel number: M:8E B:3797 L:17,452994
  • Zoning: B

Features

  • Private pool: Yes
  • Pool features: In Ground
  • Patio & porch: Porch
  • Exterior features: Porch,Pool - Inground,Rain Gutters,Professional Landscaping,Sprinkler System,Fenced Yard,Stone Wall
  • Fencing: Fenced
  • Waterfront features: Lake/Pond,Beach Ownership(Public)

Lot

  • Lot size: 0.46 Acres
  • Features: Cleared

Parking

  • Total spaces: 4
  • Parking features: Under,Off Street,Paved
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • Has uncovered spaces: Yes
  • Uncovered spaces: 2

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Ice Storm
    Ice StormRelatively High
  • Drought
    DroughtModerate
  • Hurricane
    HurricaneModerate
  • Inland Flooding
    Inland FloodingModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Ice Storm
Drought
Hurricane
Inland Flooding
Tsunami

FEMA Declared Disasters Across Massachusetts Counties

Hurricane

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $9,986$119,832
Home Insurance *$383$4,596
Property Taxes $2,170$26,040
Electricity $638$7,664
Total$13,177$158,124
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$451,782/yr
40% on housing$395,310/yr
45% on housing$351,386/yr

Massachusetts FAIR Plan Programs

Massachusetts Property Insurance Underwriting Association

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 213,928Commercial: 230
Total Premiums$400.85M
Total Exposure$115.57B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 7.6%
7.6%
0%30.0%
Electricity Growth Rate10-year average: 7.9%
7.9%
0%15.0%
Property Taxes Growth Rate2-year average: 0.5%
0.5%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$610This listing

vs Other Active Listings

Avg $/sqft

ZIP 01742$579
Middlesex County$437

vs Homes Sold Last Month

Median $/sqft

ZIP 01742$531
Middlesex County$413

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-04-06Listed for sale$2,199,000
2025-05-22Sold$950,000
2025-04-17Contingent$999,999
2025-03-18Listed for sale$999,999
2022-11-26Listing removed$1,000,000
2022-09-14Listed for sale$1,000,000
2015-10-21Sold$598,000

For Sale by Agent

AgentThe Commonwealth Group
BrokerageColdwell Banker Realty - Waltham

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