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40 1/2 Maple Ln, Sutton, MA, 01590

2beds
1baths
1,288sqft
$625,000
$485price/sqft
$4,326/moest. monthly cost
$173,040/yrincome needed

About This Home

Your own little piece of paradise on Lake Singletary awaits! This waterfront home boasts 106 feet of frontage on one of the area's premier full recreational lakes. Launch your kayak or canoe just steps from your door, relax on the rear deck, and take in the beautiful water views. Major updates to the home's systems and roof have already been completed, allowing you to move in and immediately enjoy lake life. The inviting kitchen features granite countertops, stainless steel appliances, a farmhouse sink, and plenty of space for gathering with family and friends. The fireplaced family room (fireplace not used by current owner) opens to a former porch, now a cozy den overlooking the lake. Two bedrooms and an updated full bath complete the main level. The walk-out lower level includes plumbing for a potential future bath. Lake Singletary spans approximately 330 acres, offers nearly 6 miles of shoreline, and reaches depths of about 39 feet (see attached lake information and history).

Getting Around

6
WalkingCar-Dependent
0
TransitVery Limited Transit
7
BikeSomewhat Bikeable

Schools

--
Sutton Early LearningGrades PK-20.7 mi
7/10
Sutton Middle SchoolGrades 6-80.7 mi
8/10
Sutton High SchoolGrades 9-120.7 mi

Construction

Condition

  • Year built: 1927

Materials

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

Type & Style

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

Interior

Appliances

  • Appliances included: Electric Water Heater,Water Heater,Range,Dishwasher,Microwave,Refrigerator,Washer,Dryer
  • Laundry features: In Basement,Electric Dryer Hookup,Washer Hookup

Basement

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

Bathroom1

  • Features: Bathroom - Full, Bathroom - With Tub & Shower, Closet - Linen, Beadboard
  • Level: First

Bedroom2

  • Features: Closet, Closet - Double
  • Level: First

Bedrooms & Bathrooms

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

Family Room

  • Level: First

Features

  • Flooring: Tile,Laminate
  • Number of fireplaces: 1
  • Fireplace features: Living Room
  • Fireplace: Yes
  • Finished area below ground: 0
  • Finished area above ground: 1,288

Heating & Cooling

  • Heating features: Forced Air,Oil
  • Cooling features: Window Unit(s)

Interior Area

  • Total structure area: 1,288
  • Total interior livable area: 1,288 sqft

Kitchen

  • Features: Countertops - Stone/Granite/Solid, Kitchen Island, Stainless Steel Appliances
  • Level: First

Living Room

  • Level: First

Master Bathroom

  • Features: No

Master Bedroom

  • Features: Closet
  • Level: First

Property

Details

  • Parcel number: M:0015 B:0031 L:0000,3796034
  • Zoning: R1
  • Foundation area: 1280

Features

  • Patio & porch: Deck
  • Exterior features: Deck
  • Has view: Yes
  • View description: Water,Lake
  • Has water view: Yes
  • Water view: Lake,Water
  • On waterfront: Yes
  • Waterfront features: Waterfront,Lake,Lake/Pond,Beach Ownership(Public)

Lot

  • Lot size: 0.38 Acres
  • Features: Other

Parking

  • Total spaces: 3
  • Parking features: Under,Shared Driveway,Off Street
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1
  • Has uncovered spaces: Yes
  • 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 $3,160$37,920
Home Insurance *$161$1,932
Property Taxes $651$7,812
Electricity $354$4,259
Total$4,326$51,912
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$148,320/yr
40% on housing$129,780/yr
45% on housing$115,360/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

$485This listing

vs Other Active Listings

Avg $/sqft

ZIP 01590$268
Worcester County$265

vs Homes Sold Last Month

Median $/sqft

ZIP 01590$306
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
2026-08-11Contingent$625,000
2026-07-22Price change$625,000
2026-07-09Listed for sale$639,900

For Sale by Agent

AgentLee Joseph
BrokerageColdwell Banker Realty - Worcester

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