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29 Spruce St, Milford, MA, 01757

--beds
2baths
5,000sqft
$749,000
$150price/sqft
$5,781/moest. monthly cost
$231,240/yrincome needed

About This Home

Exceptional Downtown Milford Commercial Opportunity! Proudly occupied by the same local church for over 40 years, this well-maintained property offers outstanding visibility in the heart of Downtown Milford. The retiring pastors are highly motivated to sell. While ideal for another religious organization, the property is available to any buyer. Situated on the prominent corner of Main St & School St, it benefits from excellent vehicle and pedestrian traffic, surrounded by restaurants, shops, offices, and downtown amenities. Updates include a natural gas forced hot air heating system and central A/C (approx. 10 years), plus a rubber roof (approx. 15 years) with annual maintenance. Features include a large gathering space, full kitchen, dining hall, offices, children’s room, finished lower level, and storage. Ideal for religious, office, medical, educational, nonprofit, or other permitted commercial uses. Property is being sold AS IS"

Getting Around

89
WalkingVery Walkable
0
TransitVery Limited Transit
61
BikeBikeable

Schools

--
4/10
Stacy Middle SchoolGrades 6-80.1 mi
4/10
Milford High SchoolGrades 9-120.9 mi

Construction

Condition

  • Year built: 1900

Materials

  • Foundation: Concrete Perimeter
  • Roof: Rubber,Other
  • Construction materials: Stone

Type & Style

  • Home type: MultiFamily
  • Property subType: Multi Family

Interior

Basement

  • Has basement: Yes
  • Basement: Partial

Bedrooms & Bathrooms

  • Bathrooms: 2
  • 1/2 bathrooms: 2

Features

  • Flooring: Carpet
  • Finished area below ground: 1,116
  • Finished area above ground: 3,884

Interior Area

  • Total structure area: 5,000
  • Total interior livable area: 5,000 sqft

Property

Details

  • Parcel number: M:48 B:000 L:559,1618003
  • Zoning: CB

Lot

  • Lot size: 4,800 sqft
  • Features: Corner Lot

Parking

  • Total spaces: 2
  • Parking features: Off Street
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1
  • Uncovered spaces: 1

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
  • Inland Flooding
    Inland FloodingModerate
  • Ice Storm
    Ice StormModerate
  • Strong Wind
    Strong WindModerate

How This Home’s Risks Compare

Cold Wave
Hurricane
Inland Flooding
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 $3,787$45,444
Home Insurance *$229$2,748
Property Taxes $780$9,360
Electricity $985$11,831
Total$5,781$69,372
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$198,205/yr
40% on housing$173,430/yr
45% on housing$154,160/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

$150This listing

vs Other Active Listings

Avg $/sqft

ZIP 01757$248
Worcester County$265

vs Homes Sold Last Month

Median $/sqft

ZIP 01757$300
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)

No zestimate history available

Price History

DateEventPrice
2026-08-12Listed for sale$739,900
2026-08-11Listing removed$749,000
2026-07-30Price change$749,000
2026-07-10Listed for sale$749,900

For Sale by Agent

AgentGitania da Silva
BrokerageDell Realty Inc.

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