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55-57 York Ave, Watertown, MA, 02472

4beds
2baths
1,800sqft
$899,900
$500price/sqft
$5,873/moest. monthly cost
$234,920/yrincome needed

About This Home

Hard-to-find brick two-family duplex with a 2-car garage in the highly sought-after Lowell School district. Each spacious apartment offers a bright first-floor living room, dining area, and kitchen, plus two bedrooms and a full bath upstairs. Hardwood floors run throughout both units. A full, separate basement provides excellent storage and offers potential for additional living space with the right vision and sweat equity. This property is ideal for a first-time homeowner, investor, or condo converter looking for long-term value. Enjoy a private rear yard perfect for grilling, outdoor activities, and gatherings with friends and family. Opportunities like this don’t come often — act now and move into your new home this summer.

Getting Around

76
WalkingVery Walkable
0
TransitVery Limited Transit
50
BikeBikeable

Schools

8/10
7/10
Watertown Middle SchoolGrades 6-80.6 mi
6/10
Watertown High SchoolGrades 9-120.7 mi

Construction

Condition

  • Year built: 1938

Materials

  • Foundation: Block
  • Roof: Shingle
  • Construction materials: Brick

Type & Style

  • Home type: MultiFamily
  • Property subType: Multi Family

Interior

Appliances

  • Appliances included: Range,Dishwasher,Refrigerator
  • Laundry features: Electric Dryer Hookup,Washer Hookup

Basement

  • Has basement: Yes
  • Basement: Full,Bulkhead,Unfinished

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 2
  • Full bathrooms: 2

Features

  • Bathroom With Tub & Shower,Living Room,Dining Room,Kitchen,Laundry Room
  • Window features: Insulated Windows
  • Flooring: Wood,Hardwood
  • Finished area above ground: 1,800

Heating & Cooling

  • Heating features: Steam,Natural Gas
  • Cooling features: None

Interior Area

  • Total structure area: 1,800
  • Total interior livable area: 1,800 sqft

Property

Details

  • Zoning: T
  • Foundation area: 900

Features

  • Frontage length: 55.00

Lot

  • Lot size: 5,225 sqft
  • Features: Level

Parking

  • Total spaces: 6
  • Parking features: Paved Drive,Off Street,Paved
  • 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

  • Ice Storm
    Ice StormModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Ice Storm
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 $4,550$54,600
Home Insurance *$212$2,544
Property Taxes $757$9,084
Electricity $354$4,259
Total$5,873$70,476
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$201,360/yr
40% on housing$176,190/yr
45% on housing$156,613/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

$500This listing

vs Other Active Listings

Avg $/sqft

ZIP 02472$440
Middlesex County$437

vs Homes Sold Last Month

Median $/sqft

ZIP 02472$480
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
2026-08-05Contingent$899,900
2026-07-22Price change$899,900
2026-06-17Listed for sale$975,000

For Sale by Agent

AgentStephen O Loughlin
BrokerageRealty Executives

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