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41A Highland Avenue, North Chelmsford, MA, 01863

4beds
2baths
1,960sqft
$700,000
$357price/sqft
$4,697/moest. monthly cost
$187,880/yrincome needed

About This Home

Seller to offer a 10k credit with acceptable offer! This charming 2-family home with BRAND NEW ROOF offers the freedom to live exactly how you want. This home was used as a single family for many years and could still be used as such. It's perfectly suited for an owner-occupant looking to offset costs by renting a portion of the home or a multi-generational household wanting connection without sacrificing privacy. Both units feature hardwood floors, generous living and dining rooms, sunny bedrooms and shared closets in the main living space. The 1st floor unit features an updated kitchen and large bath. Upstairs, the 2nd unit is in great shape throughout with a 2nd kitchen which could be expanded or eliminated for more shared space. You have a screen porch, carport, lots of basement storage and shed rounding out a home that has been lovingly cared for by the same family for 60+ years. All this with an accessible entry point into Chelmsford - known for its strong schools, great neighborhoods & easy commuter access.

Getting Around

53
WalkingSomewhat Walkable
0
TransitVery Limited Transit
27
BikeSomewhat Bikeable

Schools

6/10
7/10
McCarthy Middle SchoolGrades 5-81.1 mi
9/10
Chelmsford High SchoolGrades 9-120.9 mi

Construction

Condition

  • Year built: 1920

Materials

  • Foundation: Fieldstone
  • Roof: Tar/Gravel
  • Construction materials: Wood Frame

Type & Style

  • Home type: MultiFamily
  • Property subType: Multi Family

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Microwave,Gas Range,Refrigerator,Washer

Basement

  • Has basement: Yes
  • Basement: Concrete,Full,Unfinished,Exterior Entry,Walk-Up Access

Bedrooms & Bathrooms

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

Features

  • Flooring: Carpet,Tile,Vinyl,Wood
  • Finished area below ground: 0
  • Finished area above ground: 1,960

Heating & Cooling

  • Heating features: Hot Water,Radiator
  • Cooling features: None

Interior Area

  • Total structure area: 2,940
  • Total interior livable area: 1,960 sqft

Property

Details

  • Zoning description: RC
  • Exclusions: 1st floor dining fixture to be replaced prior to close. Upstairs mirror does not transfer.

Features

  • Levels: Two
  • Stories: 2
  • Patio & porch: Covered Porch,Enclosed Porch
  • Exterior features: Garden,Shed,Storage

Lot

  • Lot size: 5,227 sqft
  • Features: City Lot,Level

Parking

  • Parking features: Paved,Carport
  • Carport: Yes

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 FloodingModerate
  • Ice Storm
    Ice StormModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Inland Flooding
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 $3,539$42,468
Home Insurance *$183$2,196
Property Taxes $589$7,068
Electricity $386$4,637
Total$4,697$56,364
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$161,040/yr
40% on housing$140,910/yr
45% on housing$125,253/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

$357This listing

vs Other Active Listings

Avg $/sqft

ZIP 01863$308
Middlesex County$437

vs Homes Sold Last Month

Median $/sqft

ZIP 01863$392
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
2026-08-08Price change$685,000
2026-06-09Price change$700,000
2026-05-20Listed for sale$725,000

For Sale by Agent

AgentAshima G Scripp
BrokerageColdwell Banker Realty Nashua

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