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54-54 Bay State Rd #A, Quincy, MA, 02171

2beds
1baths
1,164sqft
$519,900
$447price/sqft
$3,549/moest. monthly cost
$141,960/yrincome needed

About This Home

Tastefully updated and freshly painted 2-bedroom attached single-family home in desirable North Quincy. excellent condition. updated kitchen and bathroom. Filled with natural light and featuring hardwood floors, this home offers a spacious living room, dining room, and a finished lower-level family room. Enjoy summer evenings on the enclosed porch, perfect for relaxing or entertaining. Conveniently located just off Quincy Shore Drive, within walking distance to Wollaston Beach, Marina Bay, and the North Quincy MBTA Red Line station, with easy access to major highways and Downtown Boston.

Getting Around

46
WalkingCar-Dependent
47
TransitSome Transit
51
BikeBikeable

Schools

4/10
8/10
Atlantic Middle SchoolGrades 6-80.7 mi
8/10
North Quincy High SchoolGrades 9-120.7 mi

Construction

Condition

  • Year built: 1940

Materials

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

Type & Style

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

Interior

Appliances

  • Appliances included: Gas Water Heater,Range,Microwave,Refrigerator
  • Laundry features: In Basement

Basement

  • Has basement: Yes
  • Basement: Full,Partially Finished

Bedroom2

  • Features: Flooring - Hardwood
  • Level: Second

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 1
  • Full bathrooms: 1

Dining Room

  • Features: Flooring - Hardwood
  • Level: First

Family Room

  • Features: Flooring - Stone/Ceramic Tile
  • Level: Basement

Features

  • Office
  • Flooring: Hardwood,Laminate
  • Finished area below ground: 300
  • Finished area above ground: 864

Heating & Cooling

  • Heating features: Forced Air,Natural Gas
  • Cooling features: None

Interior Area

  • Total structure area: 1,164
  • Total interior livable area: 1,164 sqft

Kitchen

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

Living Room

  • Features: Flooring - Hardwood
  • Level: First

Master Bedroom

  • Features: Flooring - Hardwood
  • Level: Second

Office

  • Features: Flooring - Laminate
  • Level: First

Property

Details

  • Parcel number: M:6070 B:0118 L:0080,192512
  • Attached to another structure: Yes
  • Zoning: RESB

Features

  • Patio & porch: Porch - Enclosed
  • Exterior features: Porch - Enclosed
  • Waterfront features: Bay,1/10 to 3/10 To Beach,Beach Ownership(Public)

Lot

  • Lot size: 1,344 sqft
  • Features: Corner Lot

Parking

  • Parking features: Off Street
  • Has uncovered spaces: Yes

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

  • Coastal Flooding
    Coastal FloodingRelatively High
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Coastal 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 $2,628$31,536
Home Insurance *$126$1,512
Property Taxes $441$5,292
Electricity $354$4,259
Total$3,549$42,588
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$121,680/yr
40% on housing$106,470/yr
45% on housing$94,640/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: 7.9%
7.9%
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

$447This listing

vs Other Active Listings

Avg $/sqft

ZIP 02171$432
Norfolk County$448

vs Homes Sold Last Month

Median $/sqft

ZIP 02171$497
Norfolk County$427

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)

No zestimate history available

Price History

DateEventPrice
2026-08-06Pending sale$519,900
2026-07-08Listed for sale$519,900
2023-08-14Sold$420,000
2023-06-29Contingent$359,000
2023-06-24Listed for sale$359,000

For Sale by Agent

AgentYong Tan
BrokerageCentral Real Estate

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