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38 Ripley Hill Rd, Concord, MA, 01742

5beds
4baths
5,209sqft
$3,975,000
$763price/sqft
$26,265/moest. monthly cost
$1,050,600/yrincome needed

About This Home

Quietly grand. Truly exceptional. This refined Country Home offers space, privacy and prestige just off beloved Monument Street in historic Concord with top-rated schools. Set on nearly two park-like acres framed by mature trees and perennial gardens, this property provides room to play and easy access to conservation trails, historic sites and vibrant town center. Recent updates include mechanical systems and bluestone patio with firepit for year-round enjoyment. Inside, the open, airy layout features elegant formal and casual living spaces with French doors, large windows, built-ins, 3 fireplaces and Chef’s kitchen with sunny eating area, Wolf and Sub-Zero appliances. The home office and 1st-floor guest suite add convenience and flexibility. Upstairs is luxurious main suite, three add'l bedrooms, each with unique features, i.e., a private study/sitting room, built-ins and window seat, private outdoor terrace, plus a family bath and laundry. A special property, not to be missed!

Getting Around

44
WalkingCar-Dependent
0
TransitVery Limited Transit
38
BikeSomewhat Bikeable

Schools

9/10
Alcott Elementary SchoolGrades PK-51.0 mi
8/10
Concord Middle SchoolGrades 6-83.1 mi
10/10

Construction

Condition

  • Year built: 1994

Materials

  • Foundation: Concrete Perimeter
  • Roof: Wood,Shake
  • Construction materials: Frame

Type & Style

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

Interior

Appliances

  • Appliances included: Gas Water Heater,Water Heater,Range,Dishwasher,Microwave,Refrigerator,Washer,Dryer,Range Hood
  • Laundry features: Flooring - Stone/Ceramic Tile,Electric Dryer Hookup,Washer Hookup,Lighting - Overhead,Second Floor

Basement

  • Has basement: Yes
  • Basement: Full,Interior Entry,Bulkhead,Unfinished

Bathroom1

  • Features: Bathroom - Half, Flooring - Marble, Recessed Lighting, Lighting - Sconce, Pedestal Sink
  • Level: First
  • Area: 30

Bathroom2

  • Features: Bathroom - Full, Bathroom - Double Vanity/Sink, Bathroom - Tiled With Shower Stall, Flooring - Stone/Ceramic Tile, Countertops - Stone/Granite/Solid, Jacuzzi / Whirlpool Soaking Tub, Lighting - Sconce, Lighting - Overhead
  • Level: Second
  • Area: 323

Bathroom3

  • Features: Bathroom - Full, Bathroom - Double Vanity/Sink, Bathroom - Tiled With Tub & Shower, Lighting - Sconce
  • Level: Second
  • Area: 88

Bedroom2

  • Features: Closet, Flooring - Hardwood, Window(s) - Picture, Recessed Lighting
  • Level: Second
  • Area: 340

Bedroom3

  • Features: Bathroom - Full, Vaulted Ceiling(s), Walk-In Closet(s), Closet/Cabinets - Custom Built, Flooring - Hardwood, Balcony / Deck
  • Level: Second
  • Area: 378

Bedroom4

  • Features: Bathroom - Full, Walk-In Closet(s), Closet/Cabinets - Custom Built, Flooring - Hardwood, Window Seat
  • Level: Second
  • Area: 240

Bedroom5

  • Features: Bathroom - Full, Closet, Flooring - Wood, Lighting - Overhead, Crown Molding
  • Level: First
  • Area: 144

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 4
  • Full bathrooms: 3
  • 1/2 bathrooms: 1

Dining Room

  • Features: Closet/Cabinets - Custom Built, Flooring - Hardwood, Window(s) - Bay/Bow/Box, French Doors, Lighting - Overhead, Crown Molding
  • Level: First
  • Area: 238

Family Room

  • Features: Closet/Cabinets - Custom Built, Flooring - Hardwood, French Doors, Crown Molding, Decorative Molding, Pocket Door
  • Level: First
  • Area: 304

Features

  • Closet,Recessed Lighting,Lighting - Overhead,Crown Molding,Closet/Cabinets - Custom Built,Lighting - Sconce,Entrance Foyer,Office,Sun Room,Study,Sitting Room,Internet Available - Unknown
  • Door features: French Doors,Insulated Doors
  • Window features: Insulated Windows,Screens
  • Flooring: Tile,Hardwood,Pine,Brick,Flooring - Hardwood,Flooring - Wood
  • Number of fireplaces: 3
  • Fireplace features: Family Room,Living Room
  • Fireplace: Yes
  • Finished area above ground: 5,209

Heating & Cooling

  • Heating features: Forced Air,Natural Gas,Fireplace
  • Cooling features: Central Air

Interior Area

  • Total structure area: 5,209
  • Total interior livable area: 5,209 sqft

Kitchen

  • Features: Flooring - Stone/Ceramic Tile, Window(s) - Bay/Bow/Box, Dining Area, Countertops - Stone/Granite/Solid, French Doors, Kitchen Island, Exterior Access, Recessed Lighting, Stainless Steel Appliances, Gas Stove, Lighting - Pendant, Crown Molding
  • Level: First
  • Area: 432

Living Room

  • Features: Closet/Cabinets - Custom Built, Flooring - Hardwood, French Doors, Recessed Lighting, Crown Molding
  • Level: First
  • Area: 272

Master Bathroom

  • Features: Yes

Master Bedroom

  • Features: Bathroom - Full, Walk-In Closet(s), Closet/Cabinets - Custom Built, Flooring - Hardwood, Lighting - Overhead, Crown Molding, Window Seat
  • Level: Second
  • Area: 323

Office

  • Features: Fireplace, Closet/Cabinets - Custom Built, Flooring - Wood, Recessed Lighting, Lighting - Sconce
  • Level: First
  • Area: 272

Property

Details

  • Parcel number: M:8H B:1251,453224
  • Zoning: A

Features

  • Patio & porch: Deck - Roof,Patio
  • Exterior features: Deck - Roof,Patio,Rain Gutters,Storage,Professional Landscaping,Sprinkler System,Decorative Lighting,Screens,Fenced Yard,Stone Wall
  • Fencing: Fenced

Lot

  • Lot size: 1.89 Acres
  • Features: Cul-De-Sac,Level

Parking

  • Total spaces: 8
  • Parking features: Attached,Garage Door Opener,Garage Faces Side,Insulated,Paved Drive,Off Street,Paved
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • Has uncovered spaces: Yes
  • Uncovered spaces: 6

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 $20,099$241,188
Home Insurance *$771$9,252
Property Taxes $4,368$52,416
Electricity $1,027$12,326
Total$26,265$315,180
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$900,514/yr
40% on housing$787,950/yr
45% on housing$700,400/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

$763This listing

vs Other Active Listings

Avg $/sqft

ZIP 01742$576
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
2026-08-13Price change$3,848,000
2026-08-07Price change$3,895,000
2026-05-14Listed for sale$3,975,000
2023-06-29Sold$3,900,000
2023-05-12Contingent$3,975,000
2023-04-27Listed for sale$3,975,000
2022-11-17Listing removed$4,675,000
2022-09-26Price change$4,675,000
2022-06-27Listed for sale$4,795,000
1998-07-17Sold$2,400,000

For Sale by Agent

AgentSenkler, Pasley & Whitney
BrokerageColdwell Banker Realty - Concord

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