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441 Old Mill Rd, Barnstable, MA, 02630

2beds
2baths
2,110sqft
$775,000
$367price/sqft
$5,126/moest. monthly cost
$205,040/yrincome needed

About This Home

Osterville opportunity. Situated on 1.4 acres and abutting conservation land, this 2-bedroom, 2-bath raised ranch offers endless possibilities. Located just moments from Osterville’s charming village center, you’ll enjoy easy access to boutique shopping, delightful dining, and local favorite, Dowses Beach. Whether it’s a thoughtful home renovation or a complete reimagining to unlock the full potential, this property invites you to create something special

Getting Around

8
WalkingCar-Dependent
0
TransitVery Limited Transit
28
BikeSomewhat Bikeable

Schools

3/10
Barnstable High SchoolGrades 8-122.9 mi

Construction

Condition

  • Year built: 1989

Materials

  • Foundation: Concrete Perimeter

Type & Style

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

Interior

Appliances

  • Appliances included: Electric Water Heater

Basement

  • Has basement: Yes
  • Basement: Full,Interior Entry,Bulkhead

Bathroom2

  • Features: Bathroom - Full, Flooring - Vinyl

Bedroom2

  • Features: Closet, Flooring - Wall to Wall Carpet

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 2
  • Full bathrooms: 2

Dining Room

  • Features: Flooring - Hardwood

Features

  • Sun Room
  • Flooring: Flooring - Hardwood
  • Finished area below ground: 966
  • Finished area above ground: 1,144

Heating & Cooling

  • Heating features: Electric
  • Cooling features: None

Interior Area

  • Total structure area: 2,110
  • Total interior livable area: 2,110 sqft

Kitchen

  • Features: Flooring - Vinyl

Living Room

  • Features: Flooring - Hardwood

Master Bedroom

  • Features: Closet, Flooring - Hardwood

Property

Details

  • Parcel number: M:143 L:005,2233806
  • Zoning: 1

Features

  • Waterfront features: Bay,Lake/Pond,Ocean,Sound,1 to 2 Mile To Beach,Beach Ownership(Public)

Lot

  • Lot size: 1.44 Acres
  • Features: Wooded,Level

Parking

  • Total spaces: 5
  • Parking features: Attached,Paved Drive,Paved
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1
  • 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
    Coastal FloodingRelatively High
  • Hurricane
    HurricaneModerate
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Coastal Flooding
Hurricane
Inland Flooding
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 $3,918$47,016
Home Insurance *$373$4,476
Property Taxes $419$5,028
Electricity $416$4,992
Total$5,126$61,512
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$175,748/yr
40% on housing$153,780/yr
45% on housing$136,693/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: 6.7%
6.7%
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

$367This listing

vs Other Active Listings

Avg $/sqft

ZIP 02630$542
Barnstable County$550

vs Homes Sold Last Month

Median $/sqft

ZIP 02630$445
Barnstable County$463

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
2026-04-19Listed for sale$810,000

For Sale by Agent

AgentDiane Boudreau
BrokerageKinlin Grover Compass

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