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555 Neck Rd, Lancaster, MA, 01523

4beds
3baths
2,350sqft
$849,900
$362price/sqft
$5,962/moest. monthly cost
$238,480/yrincome needed

About This Home

Welcome to 555 Neck Road, a beautifully crafted new construction Colonial offering 4 bedrooms, 2.5 baths, and approximately 2,350 sq. ft. of thoughtfully designed living space. The open-concept floor plan features hardwood flooring throughout the main level, a stunning kitchen with quartz countertops, center island, subway tile backsplash, and premium stainless Bosch appliances including refrigerator, range, dishwasher, and microwave drawer. The spacious family room is highlighted by a custom electric fireplace, creating the perfect gathering space. The primary suite offers a tiled shower with glass enclosure and double vanity. Additional features include a hardwood staircase with iron balusters, solid-core doors, black fixtures and hardware, 2-zone high-efficiency heating and central air, on-demand hot water, finished 2-car garage, composite deck, professional landscaping, and public water and sewer. Quality craftsmanship and modern finishes throughout.

Getting Around

30
WalkingCar-Dependent
0
TransitVery Limited Transit
25
BikeSomewhat Bikeable

Schools

8/10
8/10

Construction

Condition

  • Year built: 2026

Materials

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

Type & Style

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

Interior

Appliances

  • Appliances included: Electric Water Heater,ENERGY STAR Qualified Refrigerator,ENERGY STAR Qualified Dishwasher,Range Hood,Range,Oven,Plumbed For Ice Maker
  • Laundry features: First Floor,Electric Dryer Hookup,Washer Hookup

Basement

  • Has basement: Yes
  • Basement: Full,Walk-Out Access

Bathroom1

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

Bathroom2

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

Bathroom3

  • Features: Bathroom - Full, Bathroom - Tiled With Shower Stall, Flooring - Stone/Ceramic Tile, Double Vanity
  • Level: Second

Bedroom2

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

Bedroom3

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

Bedroom4

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

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 2
  • 1/2 bathrooms: 1

Dining Room

  • Features: Flooring - Hardwood
  • Level: First

Features

  • Window features: Insulated Windows
  • Flooring: Tile,Carpet,Hardwood
  • Number of fireplaces: 1
  • Fireplace features: Living Room
  • Fireplace: Yes
  • Finished area above ground: 2,350

Heating & Cooling

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

Interior Area

  • Total structure area: 2,350
  • Total interior livable area: 2,350 sqft

Kitchen

  • Features: Flooring - Hardwood, Kitchen Island, Deck - Exterior, Stainless Steel Appliances
  • Level: First

Living Room

  • Features: Flooring - Hardwood, Deck - Exterior
  • Level: First

Master Bathroom

  • Features: Yes

Master Bedroom

  • Features: Bathroom - Full, Walk-In Closet(s), Flooring - Hardwood
  • Level: Second

Property

Details

  • Zoning: R

Features

  • Patio & porch: Deck
  • Exterior features: Deck

Lot

  • Lot size: 2 Acres

Parking

  • Total spaces: 6
  • Parking features: Attached,Garage Door Opener,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

  • Cold Wave
    Cold WaveModerate
  • Drought
    DroughtModerate
  • Hurricane
    HurricaneModerate
  • Inland Flooding
    Inland FloodingModerate
  • Ice Storm
    Ice StormModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate

How This Home’s Risks Compare

Cold Wave
Drought
Hurricane
Inland Flooding
Ice Storm
Lightning
Strong Wind

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 $4,297$51,564
Home Insurance *$317$3,804
Property Taxes $885$10,620
Electricity $463$5,560
Total$5,962$71,544
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$204,411/yr
40% on housing$178,860/yr
45% on housing$158,986/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

$362This listing

vs Other Active Listings

Avg $/sqft

ZIP 01523$248
Worcester County$265

vs Homes Sold Last Month

Median $/sqft

ZIP 01523$296
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)

Price History

DateEventPrice
2026-08-11Price change$824,900
2026-06-07Listed for sale$849,900

For Sale by Agent

AgentKeith Kopley
BrokerageeXp Realty LLC

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