400 Main St, Reading, MA, 01867
About This Home
LIVE UPSTAIRS. RUN YOUR BUSINESS DOWNSTAIRS.LOW DOWN PAYMENT FINANCING AVAILABLE.Qualified owner-occupant buyers may be able to purchase this unique mixed-use property with as little as 5% down through conventional financing options.Welcome to 400 Main Street in Reading, where home and business come together under one roof.The first floor offers a flexible commercial space currently operating as a hair salon, complete with four styling stations, shampoo sinks, dryers, storage, and a half bath. Whether you’re a salon owner, esthetician, accountant, attorney, therapist, insurance agent, or another small business owner, this space offers incredible flexibility.Upstairs, you’ll find a beautiful two-bedroom residence featuring an open-concept kitchen with a four-seat peninsula, spacious living area, two private bedrooms, and a primary suite with a walk-in closet, spa-inspired bathroom, and private deck overlooking a fenced backyard.Even better, qualified buyers may be able to finance eligible improvements into the same mortgage, making it easier to customize the commercial space to fit your business.This is more than a property. It’s an opportunity to own your home, build your business, and invest in your future.
Getting Around
Very Walkable
Very Limited Transit
BikeableSchools
Construction
Condition
- Year built: 1963
Materials
- Foundation: Concrete Perimeter
- Roof: Shingle
- Construction materials: Frame
Type & Style
- Home type: SingleFamily
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Electric Water Heater,Range,Dishwasher,Refrigerator,Washer,Dryer
- Laundry features: In Basement
Basement
- Has basement: Yes
- Basement: Full,Partially Finished,Interior Entry
Bathroom1
- Level: Second
Bathroom2
- Level: First
Bathroom3
- Level: First
Bedroom2
- Level: Second
Bedrooms & Bathrooms
- Bedrooms: 2
- Bathrooms: 3
- Full bathrooms: 1
- 1/2 bathrooms: 2
Features
- Home Office-Separate Entry,Exercise Room
- Finished area below ground: 150
- Finished area above ground: 1,453
Heating & Cooling
- Heating features: Electric Baseboard,Oil
- Cooling features: Ductless
Interior Area
- Total structure area: 1,603
- Total interior livable area: 1,603 sqft
Kitchen
- Level: Second
Living Room
- Level: Second
Master Bathroom
- Features: Yes
Master Bedroom
- Level: Second
Office
- Level: First
Property
Details
- Parcel number: 732844
- Zoning: BusB
Features
- Levels: Multi/Split
- Patio & porch: Deck - Wood,Patio
- Exterior features: Deck - Wood,Patio,Fenced Yard
- Fencing: Fenced/Enclosed,Fenced
Lot
- Lot size: 2,548 sqft
Parking
- Total spaces: 5
- Parking features: Off Street,Deeded
- Uncovered spaces: 5
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
- Hurricane
- Inland Flooding
- Ice Storm
- Lightning
- Tsunami
How This Home’s Risks Compare
FEMA Declared Disasters Across Massachusetts Counties
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $4,298 | $51,576 |
| Home Insurance * | $216 | $2,592 |
| Property Taxes | $715 | $8,580 |
| Electricity | $354 | $4,259 |
| Total | $5,583 | $66,996 |
Income You'd Need if You Spent...
Massachusetts FAIR Plan Programs
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
No zestimate history available
Price History
| Date | Event | Price |
|---|---|---|
| 2026-06-16 | Price change | $850,000 |
| 2026-05-14 | Listed for sale | $899,000 |
| 2017-02-23 | Listing removed | $299,000 |
| 2016-12-12 | Price change | $299,000 |
| 2016-11-10 | Pending sale | $259,000 |
| 2016-10-18 | Price change | $259,000 |
| 2016-09-23 | Price change | $269,900 |
| 2016-08-27 | Price change | $285,000 |
| 2016-08-09 | Price change | $299,900 |
| 2016-07-17 | Listed for sale | $339,900 |
| 2016-03-17 | Sold | $180,000 |
| 2016-01-24 | Pending sale | $209,888 |
| 2016-01-07 | Price change | $209,888 |
| 2015-12-03 | Price change | $229,888 |
| 2015-11-17 | Price change | $259,888 |
| 2015-11-12 | Listed for sale | $284,888 |
| 2015-02-24 | Listing removed | $1,500 |
| 2015-01-18 | Listed for rent | $1,500 |
| 2014-01-25 | Listing removed | $269,900 |
| 2014-01-13 | Listed for sale | $269,900 |
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