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44 Black Bear Cir, Milford, MA, 01757

2beds
3baths
2,306sqft
$649,900
$282price/sqft
$4,614/moest. monthly cost
$184,560/yrincome needed

About This Home

Milford’s newest and final Phase (#3) subdivision is now under construction! These free-standing single-family condominiums offer the perfect blend of privacy, style, and low-maintenance living. This Cape-style home features a spacious first-floor primary suite with a custom-tiled shower and flooring, plus an open-concept layout with a granite kitchen, island, and cabinet-packed design overlooking the dining and living areas. The second floor includes a large bonus room, second bedroom, and full bath—ideal for guests, office, or play space. Enjoy the perks of central air, a 2-car garage, and quality finishes throughout. Conveniently located with easy access to I-495 and nearby shopping, yet away from the downtown traffic. Visit our model today to pick out your finishes—customization at no extra cost! Phase 3 is the final opportunity—don’t miss out!

Getting Around

1
WalkingCar-Dependent
0
TransitVery Limited Transit
16
BikeSomewhat Bikeable

Schools

--
4/10
Stacy Middle SchoolGrades 6-81.6 mi
4/10
Milford High SchoolGrades 9-122.4 mi

Construction

Condition

  • Year built: 2025

Materials

  • Roof: Shingle
  • Construction materials: Frame

Type & Style

  • Home type: Condo
  • Property subType: Condominium

Interior

Appliances

  • Appliances included: Range,Dishwasher,Disposal,Microwave,Refrigerator
  • Laundry features: First Floor

Basement

  • Has basement: Yes

Bathroom1

  • Features: Bathroom - Full, Bathroom - Tiled With Shower Stall, Closet - Linen, Flooring - Stone/Ceramic Tile
  • Level: First

Bathroom2

  • Features: Bathroom - Half, Flooring - Stone/Ceramic Tile, Dryer Hookup - Electric, Washer Hookup
  • Level: First

Bathroom3

  • Features: Bathroom - Full, Bathroom - With Tub & Shower, Flooring - Stone/Ceramic Tile
  • Level: Second

Bedroom2

  • Features: Flooring - Wall to Wall Carpet
  • Level: Second

Bedrooms & Bathrooms

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

Dining Room

  • Features: Flooring - Hardwood
  • Level: First

Family Room

  • Features: Flooring - Hardwood
  • Level: First

Features

  • Bonus Room
  • Window features: Insulated Windows
  • Flooring: Tile,Carpet,Hardwood,Flooring - Wall to Wall Carpet
  • Finished area above ground: 2,306

Heating & Cooling

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

Interior Area

  • Total structure area: 2,306
  • Total interior livable area: 2,306 sqft

Kitchen

  • Features: Flooring - Hardwood
  • Level: First

Master Bathroom

  • Features: Yes

Master Bedroom

  • Features: Walk-In Closet(s), Flooring - Hardwood
  • Level: First

Property

Details

  • Zoning: Res
  • Exclusions: Phase 3 Does Not Include A Fireplace

Parking

  • Total spaces: 4
  • Parking features: Garage
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • Uncovered spaces: 2

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

  • Hurricane
    HurricaneModerate
  • Ice Storm
    Ice StormModerate

How This Home’s Risks Compare

Hurricane
Ice Storm

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 $3,286$39,432
Home Insurance *$198$2,376
Property Taxes $676$8,112
Electricity $454$5,456
Total$4,614$55,368
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$158,194/yr
40% on housing$138,420/yr
45% on housing$123,040/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

$282This listing

vs Other Active Listings

Avg $/sqft

ZIP 01757$242
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
2026-03-03Listed for sale$649,900

For Sale by Agent

AgentFatima Afonso
BrokerageAfonso Real Estate

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