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115 Division St, New Bedford, MA, 02744

4beds
2baths
1,643sqft
$400,000
$243price/sqft
$2,934/moest. monthly cost
$117,360/yrincome needed

About This Home

Welcome to your own private oasis! This 4 bedroom, 2 bathroom cottage offers a mix of classic charm and modern elegance. On the first floor you will find a spacious eat in kitchen, dining room, living room, bedroom and full bathroom. Make your way up to the second floor to find 3 additional bedrooms and an extra room that could be used for a home office. The full basement can be finished for extra living space as it has its own walkout and a bathroom with a shower .You can enjoy your morning coffee on your porch in your large fenced in yard enjoying the beautiful grapevines and flowers. The large patio is connected to a nice size yard, perfect for entertaining. The garage has 1 stall for parking and workshop on the other side. The paved driveway can fit 6 cars, great for when friends and family visit. The roof is only 2 years young to add peace of mind!!

Getting Around

86
WalkingVery Walkable
33
TransitSome Transit
65
BikeBikeable

Schools

3/10
Roosevelt Middle SchoolGrades 6-80.8 mi
1/10
New Bedford High SchoolGrades 9-122.2 mi

Construction

Condition

  • Year built: 1887

Materials

  • Foundation: Granite

Type & Style

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

Interior

Basement

  • Has basement: Yes
  • Basement: Full,Partially Finished,Walk-Out Access,Interior Entry

Bedrooms & Bathrooms

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

Features

  • Finished area above ground: 1,643

Heating & Cooling

  • Heating features: Baseboard
  • Cooling features: Window Unit(s)

Interior Area

  • Total structure area: 1,643
  • Total interior livable area: 1,643 sqft

Property

Details

  • Parcel number: 2886071
  • Zoning: RC
  • Exclusions: The Chandeliers Are Not Included.

Features

  • Fencing: Fenced/Enclosed
  • Waterfront features: Ocean,1 to 2 Mile To Beach

Lot

  • Lot size: 6,547 sqft

Parking

  • Total spaces: 7
  • Parking features: Paved Drive
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1
  • Has uncovered spaces: Yes
  • Uncovered spaces: 6

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

  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Tsunami

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 $2,022$24,264
Home Insurance *$184$2,208
Property Taxes $374$4,488
Electricity $354$4,259
Total$2,934$35,208
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$100,594/yr
40% on housing$88,020/yr
45% on housing$78,240/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: 7.0%
7.0%
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

$243This listing

vs Other Active Listings

Avg $/sqft

ZIP 02744$222
Bristol County$275

vs Homes Sold Last Month

Median $/sqft

ZIP 02744$271
Bristol County$339

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
2026-08-06Pending sale$400,000
2026-07-25Listed for sale$400,000
2022-11-04Sold$279,000
2022-10-09Contingent$274,700
2022-10-06Listed for sale$274,700
2022-08-18Contingent$274,700
2022-08-11Listed for sale$274,700

For Sale by Agent

AgentCatherine Korona
BrokerageLPT Realty - Home & Key Group

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