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81 Reservoir St, Lowell, MA, 01850

3beds
3baths
2,500sqft
$829,000
$332price/sqft
$5,698/moest. monthly cost
$227,920/yrincome needed

About This Home

Introducing Christian Hill — an exclusive new community in Lowell’s sought-after Christian Hill neighborhood. Featuring 17 custom home sites, this thoughtfully planned development blends modern living with neighborhood charm, offering homeowners the rare opportunity to design a residence tailored to their lifestyle. Nestled on a quiet, elevated setting with convenient access to local amenities, Christian Hill delivers the perfect balance of privacy, community, and everyday convenience. Welcome to a new standard of living . . . your next chapter starts here!

Getting Around

38
WalkingCar-Dependent
42
TransitSome Transit
12
BikeSomewhat Bikeable

Schools

4/10
4/10
Lowell High SchoolGrades 9-121.1 mi

Construction

Condition

  • Year built: 2026

Materials

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

Type & Style

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

Interior

Appliances

  • Appliances included: Water Heater,Range,Dishwasher,Microwave,Refrigerator,Plumbed For Ice Maker
  • Laundry features: First Floor,Electric Dryer Hookup,Washer Hookup

Basement

  • Has basement: Yes
  • Basement: Partial

Bedroom2

  • Level: Second
  • Area: 247

Bedroom3

  • Level: Second
  • Area: 247

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 3
  • Full bathrooms: 2
  • 1/2 bathrooms: 1

Dining Room

  • Level: First
  • Area: 168

Features

  • Door features: Insulated Doors
  • Window features: Insulated Windows
  • Flooring: Wood,Concrete
  • Finished area above ground: 2,500

Heating & Cooling

  • Heating features: Central,Forced Air,Propane
  • Cooling features: Central Air

Interior Area

  • Total structure area: 2,500
  • Total interior livable area: 2,500 sqft

Kitchen

  • Level: First
  • Area: 168

Living Room

  • Level: First
  • Area: 234

Master Bedroom

  • Level: First
  • Area: 247

Property

Details

  • Parcel number: 0215 4900 0081 000
  • Zoning: TBD

Features

  • Patio & porch: Porch,Deck,Patio
  • Exterior features: Porch,Deck,Patio

Lot

  • Lot size: 0.41 Acres
  • Features: Easements,Underground Storage Tank

Parking

  • Total spaces: 6
  • Parking features: Under,Paved Drive,Off Street
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • 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

  • Inland Flooding
    Inland FloodingRelatively High
  • Cold Wave
    Cold WaveModerate
  • Ice Storm
    Ice StormModerate
  • Lightning
    LightningModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Inland Flooding
Cold Wave
Ice Storm
Lightning
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 $4,191$50,292
Home Insurance *$318$3,816
Property Taxes $697$8,364
Electricity $492$5,915
Total$5,698$68,376
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$195,360/yr
40% on housing$170,940/yr
45% on housing$151,946/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: 7.6%
7.6%
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

$332This listing

vs Other Active Listings

Avg $/sqft

ZIP 01850$239
Middlesex County$437

vs Homes Sold Last Month

Median $/sqft

ZIP 01850$308
Middlesex County$413

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
2026-01-16Listed for sale$829,000

For Sale by Agent

AgentShannon DiPietro
BrokerageDiPietro Group Real Estate

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