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14 Demond Pond Row, Rutland, MA, 01543

4beds
4baths
3,333sqft
$1,985,000
$596price/sqft
$13,583/moest. monthly cost
$543,320/yrincome needed

About This Home

Experience true waterfront living on Demond Pond with 300+ feet of full-recreation frontage and ultimate privacy abutting conservation land. This 4,000 sq ft, three-level home features a spectacular Sun Room wrapped in windows, offering panoramic pond views and stunning sunsets year-round. The first floor includes 9' ceilings with hardwood floors, a Dining and Living Room, and an applianced Kitchen. The Family Room adds a gas fireplace and French doors framing more waterfront scenery. The Main En Suite offers a private balcony, jetted tub, sunset vistas, and walk-in closet, complemented by 3.5 baths and four spacious bedrooms. Outdoor living shines with a dock, gazebo, firepit area, and five garages. Solar panels and a whole-house Generac provide convenience and peace of mind. A rare waterfront retreat combining recreation, comfort, and exceptional privacy almost never comes to market - your Demond Pond retreat in waiting ~ Welcome Home!

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
0
BikeNot Bike Friendly

Schools

--
Naquag Elementary SchoolGrades K-21.7 mi
6/10
7/10

Construction

Condition

  • Year built: 2003

Materials

  • Foundation: Concrete Perimeter
  • Roof: Shingle
  • Construction materials: Frame

Type & Style

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

Interior

Appliances

  • Appliances included: Water Heater,Oven,Dishwasher,Microwave,Range,Refrigerator,Gas Cooktop
  • Laundry features: Second Floor,Electric Dryer Hookup,Washer Hookup

Basement

  • Has basement: Yes
  • Basement: Full,Partially Finished,Walk-Out Access,Concrete

Bathroom1

  • Features: Flooring - Stone/Ceramic Tile
  • Level: First
  • Area: 20

Bathroom2

  • Features: Bathroom - Full, Bathroom - With Shower Stall, Closet - Linen, Flooring - Stone/Ceramic Tile, Jacuzzi / Whirlpool Soaking Tub
  • Level: Second
  • Area: 112

Bathroom3

  • Features: Bathroom - Full, Bathroom - With Tub & Shower, Flooring - Stone/Ceramic Tile
  • Level: Second
  • Area: 56

Bedroom2

  • Features: Closet, Flooring - Wall to Wall Carpet
  • Level: Second
  • Area: 195

Bedroom3

  • Features: Closet, Flooring - Wall to Wall Carpet
  • Level: Second
  • Area: 195

Bedroom4

  • Features: Closet, Flooring - Wall to Wall Carpet
  • Level: Second
  • Area: 132

Bedrooms & Bathrooms

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

Dining Room

  • Features: Flooring - Hardwood, Open Floorplan
  • Level: First
  • Area: 143

Family Room

  • Features: Flooring - Hardwood, Balcony / Deck
  • Level: First
  • Area: 465

Features

  • Ceiling Fan(s),Slider,Bathroom - 3/4,Bathroom - With Shower Stall,Sun Room,Game Room,Office,3/4 Bath
  • Door features: French Doors
  • Flooring: Tile,Carpet,Hardwood,Flooring - Stone/Ceramic Tile
  • Number of fireplaces: 1
  • Fireplace features: Family Room
  • Fireplace: Yes
  • Finished area below ground: 777
  • Finished area above ground: 3,333

Heating & Cooling

  • Heating features: Baseboard,Oil
  • Cooling features: Central Air

Interior Area

  • Total structure area: 3,333
  • Total interior livable area: 3,333 sqft

Kitchen

  • Features: Flooring - Stone/Ceramic Tile, Dining Area, Countertops - Stone/Granite/Solid, Kitchen Island, Stainless Steel Appliances
  • Level: First
  • Area: 270

Living Room

  • Features: Flooring - Hardwood, Open Floorplan, Crown Molding, Pocket Door
  • Level: First
  • Area: 208

Master Bathroom

  • Features: Yes

Master Bedroom

  • Features: Bathroom - Full, Walk-In Closet(s), Flooring - Hardwood, Balcony - Exterior, Slider
  • Level: Second
  • Area: 285

Office

  • Level: Basement
  • Area: 64

Property

Details

  • Parcel number: 4074836
  • Zoning: L-9
  • Exclusions: Propane Stove In Sun Rm,Telephone In Kit,Ext Garden Solar Lights,Washer,Dryer,Patio Umbrella
  • Foundation area: 1408

Features

  • Patio & porch: Deck - Vinyl
  • Exterior features: Deck - Vinyl,Balcony,Rain Gutters,Storage
  • Has view: Yes
  • View description: Water,Dock/Mooring,Pond
  • Has water view: Yes
  • Water view: Dock/Mooring,Pond,Water
  • On waterfront: Yes
  • Waterfront features: Waterfront,Pond

Lot

  • Lot size: 4.36 Acres
  • Features: Wooded

Parking

  • Total spaces: 15
  • Parking features: Attached,Under,Garage Door Opener,Off Street,Paved
  • Has garage: Yes
  • Attached garage spaces: 5
  • Covered spaces: 5
  • Has uncovered spaces: Yes
  • Uncovered spaces: 10

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

  • Cold Wave
    Cold WaveModerate
  • Hurricane
    HurricaneModerate
  • Ice Storm
    Ice StormModerate
  • Strong Wind
    Strong WindModerate

How This Home’s Risks Compare

Cold Wave
Hurricane
Ice Storm
Strong Wind

FEMA Declared Disasters Across Massachusetts Counties

Flood
Hurricane
Severe Storm

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 $10,037$120,444
Home Insurance *$585$7,020
Property Taxes $2,304$27,648
Electricity $657$7,886
Total$13,583$162,996
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$465,702/yr
40% on housing$407,490/yr
45% on housing$362,213/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: 7.8%
7.8%
0%30.0%
Electricity Growth Rate10-year average: 7.9%
7.9%
0%15.0%
Property Taxes Growth Rate2-year average: 1.3%
1.3%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$596This listing

vs Other Active Listings

Avg $/sqft

ZIP 01543$249
Worcester County$265

vs Homes Sold Last Month

Median $/sqft

ZIP 01543$293
Worcester County$281

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
2026-07-20Listed for sale$1,985,000
2003-05-23Sold$370,000

For Sale by Agent

AgentChristy E. Gibbs
BrokerageGibbs Realty Inc.

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