118-120 Charles St, Quincy, MA, 02169
About This Home
Rare opportunity to own a unique multi-building property just a short walk from the ocean! Built in 2021 and only 5 years young, this exceptional property features two separate buildings, offering an ideal setup for investors, owner-occupants, multigenerational living, or those seeking additional privacy.Each building is thoughtfully designed with UPDATED KITCHENS and MODERN BATHROOMS, CENTRAL AIR, CENTRAL HEAT, beautiful HARDWOOD FLOORS, and convenient IN-UNIT LAUNDRY. The SEPARATE-BUILDING layout provides enhanced privacy and flexibility, making it easy to live in one building while generating rental income from the other, or maximize investment potential with both units.Enjoy the COASTAL LIFESTYLE with the ocean just steps away—perfect for relaxing walks, fresh sea breezes, and unwinding after a busy day. Combining modern construction, desirable amenities, and an unbeatable location, this property offers comfort, versatility, and long-term value. This is a MUST SEE!
Getting Around
Somewhat Walkable
Some Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 2021
Materials
- Foundation: Concrete Perimeter
- Roof: Shingle
- Construction materials: Frame
Type & Style
- Home type: MultiFamily
- Property subType: 2 Family - 2 Units Side by Side
Interior
Appliances
- Appliances included: Range,Dishwasher,Refrigerator,Washer,Dryer
- Laundry features: Washer Hookup
Bedrooms & Bathrooms
- Bedrooms: 5
- Bathrooms: 2
- Full bathrooms: 2
Features
- Living Room,Kitchen,Office/Den
- Flooring: Tile,Hardwood
- Finished area above ground: 1,368
Heating & Cooling
- Heating features: Central
- Cooling features: Central Air
Interior Area
- Total structure area: 1,368
- Total interior livable area: 1,368 sqft
Property
Details
- Parcel number: 171452
- Zoning: RESA
Features
- Patio & porch: Porch,Deck,Covered
- Has view: Yes
- View description: Water
- Has water view: Yes
- Water view: Water
- Waterfront features: Ocean,Walk to,0 to 1/10 Mile To Beach,Beach Ownership(Public)
Lot
- Lot size: 4,300 sqft
- Features: Level
Parking
- Total spaces: 4
- Parking features: Paved Drive,Tandem
- Has uncovered spaces: Yes
- Uncovered spaces: 4
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
- 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 | $4,141 | $49,692 |
| Home Insurance * | $223 | $2,676 |
| Property Taxes | $696 | $8,352 |
| Electricity | $354 | $4,259 |
| Total | $5,414 | $64,968 |
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 |
|---|---|---|
| 2026-08-12 | Price change | $799,000 |
| 2026-07-13 | Price change | $819,000 |
| 2026-06-10 | Listed for sale | $839,000 |
| 2022-07-01 | Listing removed | $420,000 |
| 2022-06-21 | Price change | $420,000 |
| 2022-05-01 | Listed for sale | $449,900 |
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