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1331 Main Street, Cotuit, MA, 02635

5beds
2baths
2,420sqft
$1,595,000
$659price/sqft
$10,479/moest. monthly cost
$419,160/yrincome needed

About This Home

A classic example of one of Cotuit's 'Mansard Ladies' , located at 1331 Main St, across and just south of the Outlet from Loop Beach: Highly desirable village location, set on 1.25 acres!Boasting 5 Bedrooms, high ceilings, 2 fireplaces, wood floors, and spacious rooms, this home is full of character and is the perfect canvas for renovation and updating. Just steps to Loop beach and not much further south to Oregon Beach, The location is just as desirable as being the next steward of one of these Cotuit gems.

Getting Around

2
WalkingCar-Dependent
0
TransitVery Limited Transit
19
BikeSomewhat Bikeable

Schools

3/10
Barnstable High SchoolGrades 8-127.1 mi

Construction

Condition

  • Property condition: Approximate
  • Year built: 1926

Materials

  • Foundation: Concrete Perimeter,Poured
  • Roof: Other
  • Construction materials: Clapboard,Shingle Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Cooktop,Refrigerator,Electric Water Heater
  • Laundry features: In Basement

Basement

  • Has basement: Yes
  • Basement: Interior Entry,Full

Bedroom2

  • Features: Bedroom 2, Closet
  • Level: First
  • Area: 137.8889

Bedroom3

  • Features: Bedroom 3, Closet
  • Level: Second
  • Area: 173.7569

Bedroom4

  • Features: Bedroom 4, Closet
  • Level: Second
  • Area: 335

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 2
  • Full bathrooms: 2
  • Main level bathrooms: 1

Features

  • Wet Bar
  • Flooring: Wood
  • Number of fireplaces: 2
  • Fireplace features: Wood Burning
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Has Heating (Unspecified Type)
  • Cooling features: None

Interior Area

  • Total structure area: 2,420
  • Total interior livable area: 2,420 sqft

Kitchen

  • Features: Kitchen, Built-in Features
  • Level: First
  • Area: 399.125

Living Room

  • Features: Wet Bar, Living Room
  • Level: First
  • Area: 248.8056

Master Bedroom

  • Features: Closet
  • Level: Second
  • Area: 248.8056

Property

Details

  • Parcel number: COTU M:018 L:070
  • Zoning: RF
  • Special condition: Estate Sale,Standard

Features

  • Stories: 2
  • Patio & porch: Screened Porch
  • Exterior features: Outdoor Shower

Lot

  • Lot size: 1.25 Acres
  • Features: Conservation Area,Near Golf Course,South of Route 28

Parking

  • Parking features: Open
  • 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

  • Coastal Flooding
    Coastal FloodingModerate
  • Hurricane
    HurricaneModerate
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Coastal Flooding
Hurricane
Inland Flooding
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 $8,065$96,780
Home Insurance *$842$10,104
Property Taxes $1,095$13,140
Electricity $477$5,726
Total$10,479$125,748
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$359,280/yr
40% on housing$314,370/yr
45% on housing$279,440/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: 6.7%
6.7%
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

$659This listing

vs Other Active Listings

Avg $/sqft

ZIP 02635$549
Barnstable County$549

vs Homes Sold Last Month

Median $/sqft

ZIP 02635$479
Barnstable County$463

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
2026-04-24Listed for sale$1,795,000
2021-02-06Listing removed--
2020-02-05Price change$980,000
2019-09-10Price change$995,000
2019-01-09Listed for sale$1,195,000
1997-08-01Sold$273,000

For Sale by Agent

AgentJames E Murphy, Jr
BrokerageMurphy Real Estate

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