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566 Shirley St, Winthrop, MA, 02152

16beds
6baths
5,553sqft
$2,250,000
$405price/sqft
$14,684/moest. monthly cost
$587,360/yrincome needed

About This Home

566 Shirley St contains six (6) units, consisting of two (2), 2-Bedroom/1-Bathroom units and four (4), 3-Bedroom/1-Bathroom units with 5,553 square feet of living area in 7,968 square feet of total gross area on a 0.09-acre corner parcel. The Property is across the street from the Crystal Cove Marina and is 1,000 feet from Winthrop Beach and the shores of the Atlantic Ocean. The Property has been well maintained and features all new common area lighting and carpeting, the foundation (interior and exterior) has been repointed. The Property has new blown-in insulation, and the rear deck system has been updated with refinished decks and new railings. The Property also has a new 11-camera security system and credit card operated washers and dryers. Two of the units have been fully renovated and two units have renovated bathrooms. The Property is separately metered for a mix of gas & electric powered heat & hot water, as well as electrictity. The Landlord provides town water & sewer.

Getting Around

62
WalkingSomewhat Walkable
0
TransitVery Limited Transit
34
BikeSomewhat Bikeable

Schools

8/10
Winthrop Middle SchoolGrades 6-80.8 mi
5/10
Winthrop Sr High SchoolGrades 9-120.8 mi

Construction

Condition

  • Year built: 1900

Materials

  • Foundation: Other
  • Roof: Rubber

Type & Style

  • Home type: MultiFamily
  • Property subType: 5-9 Family

Interior

Bedrooms & Bathrooms

  • Bedrooms: 16
  • Bathrooms: 6
  • Full bathrooms: 6

Features

  • Finished area above ground: 5,553

Interior Area

  • Total structure area: 5,553
  • Total interior livable area: 5,553 sqft

Property

Details

  • Parcel number: 1421388
  • Zoning: N/A

Features

  • Has view: Yes
  • View description: Water,Harbor,Ocean
  • Has water view: Yes
  • Water view: Harbor,Ocean,Water
  • Waterfront features: Harbor,Ocean,1/10 to 3/10 To Beach,Beach Ownership(Public)

Lot

  • Lot size: 3,920 sqft
  • Features: Other

Parking

  • Parking features: On 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
  • Heat Wave
    Heat WaveModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Coastal Flooding
Heat Wave
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 $11,377$136,524
Home Insurance *$919$11,028
Property Taxes $1,293$15,516
Electricity $1,095$13,140
Total$14,684$176,208
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$503,451/yr
40% on housing$440,520/yr
45% on housing$391,573/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: 7.3%
7.3%
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

$405This listing

vs Other Active Listings

Avg $/sqft

ZIP 02152$381
Suffolk County$575

vs Homes Sold Last Month

Median $/sqft

ZIP 02152$425
Suffolk County$453

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
2026-07-23Listed for sale$2,250,000

For Sale by Agent

AgentStephen Girolamo
BrokerageHorvath & Tremblay

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