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38 Wilson St #40, Haverhill, MA, 01832

9beds
3baths
3,851sqft
$859,000
$223price/sqft
$6,092/moest. monthly cost
$243,680/yrincome needed

About This Home

ATTENTION INVESTORS! Investment opportunity in Haverhill. This three-family property features three 3-bedroom, 1-bath units, all currently rented and generating rental income. Whether you’re looking to expand your investment portfolio or take on a value-add project, this property offers income with future potential. The property is being sold as is.Conveniently located near downtown Haverhill, shopping, restaurants, public transportation, the commuter rail, and major highways. Showings begin at the Open House on Saturday, July 25, from 11:30 AM to 12:30 PM.

Getting Around

65
WalkingSomewhat Walkable
40
TransitSome Transit
47
BikeSomewhat Bikeable

Schools

5/10
Consentino Middle SchoolGrades 5-80.4 mi
4/10
Haverhill High SchoolGrades 9-121.4 mi

Construction

Condition

  • Year built: 1900

Materials

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

Type & Style

  • Home type: MultiFamily
  • Property subType: 3 Family

Interior

Appliances

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

Basement

  • Has basement: Yes
  • Basement: Full

Bedrooms & Bathrooms

  • Bedrooms: 9
  • Bathrooms: 3
  • Full bathrooms: 3

Features

  • Bathroom With Tub & Shower,Living Room,Kitchen,Dining Room
  • Flooring: Vinyl,Hardwood
  • Finished area above ground: 3,851

Heating & Cooling

  • Heating features: Natural Gas,Baseboard
  • Cooling features: Window Unit(s)

Interior Area

  • Total structure area: 3,851
  • Total interior livable area: 3,851 sqft

Property

Details

  • Zoning: RU

Features

  • Patio & porch: Porch
  • Fencing: Fenced/Enclosed

Lot

  • Lot size: 0.09 sqft

Parking

  • Parking features: On Street
  • Has uncovered spaces: 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
  • Lightning
    LightningModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Inland Flooding
Ice Storm
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 $4,343$52,116
Home Insurance *$260$3,120
Property Taxes $730$8,760
Electricity $759$9,112
Total$6,092$73,104
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$208,868/yr
40% on housing$182,760/yr
45% on housing$162,453/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: 8.2%
8.2%
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

$223This listing

vs Other Active Listings

Avg $/sqft

ZIP 01832$282
Essex County$385

vs Homes Sold Last Month

Median $/sqft

ZIP 01832$335
Essex County$387

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
2026-08-02Price change$859,000
2026-07-23Listed for sale$895,000

For Sale by Agent

AgentAmy Johnson
BrokerageGibson Sotheby's International Realty

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