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184 Summer St, New Bedford, MA, 02740

4beds
2baths
1,623sqft
$449,000
$277price/sqft
$3,305/moest. monthly cost
$132,200/yrincome needed

About This Home

Well maintained 4 bedroom, 2 bath multi family in a central, convenient location, ideal for both owner occupants and investors seeking strong rental potential. Each unit offers 2 bedrooms and 1 full bath, providing functional layouts that appeal to today’s renters.The first floor unit is vacant and fully remodeled, featuring updated flooring, a modern kitchen with dishwasher, gas stove, and refrigerator, plus in unit washer and dryer and a renovated bath, perfect for immediate occupancy or premium rental income. The second floor unit is tenant occupied and deleaded, offering added value and peace of mind.Key updates include new electrical throughout, vinyl siding, and a young roof. Additional highlights include a back deck, off street parking, and ample basement and attic storage. Conveniently located near the waterfront, downtown, shopping, and major highways, this property offers both lifestyle and investment appeal.

Getting Around

79
WalkingVery Walkable
50
TransitGood Transit
48
BikeSomewhat Bikeable

Schools

3/10
Keith Middle SchoolGrades 6-80.9 mi
1/10
New Bedford High SchoolGrades 9-120.8 mi

Construction

Condition

  • Year built: 1850

Materials

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

Type & Style

  • Home type: MultiFamily
  • Property subType: 2 Family - 2 Units Up/Down

Interior

Appliances

  • Appliances included: Range,Dishwasher,Refrigerator

Basement

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

Bedrooms & Bathrooms

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

Features

  • High Speed Internet,Upgraded Cabinets,Upgraded Countertops,Bathroom With Tub & Shower,Remodeled,Internet Available - Unknown,Walk-Up Attic,Lead Certification Available,Storage,Living Room,Kitchen
  • Flooring: Tile
  • Finished area above ground: 1,623

Heating & Cooling

  • Heating features: Forced Air,Natural Gas
  • Cooling features: None

Interior Area

  • Total structure area: 1,623
  • Total interior livable area: 1,623 sqft

Property

Details

  • Parcel number: M:0065 L:0176,2894111
  • Zoning: RB

Lot

  • Lot size: 1,943 sqft
  • Features: Easements

Parking

  • Total spaces: 2
  • Parking features: Shared Driveway,Off Street,Unpaved
  • 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

  • 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 $2,270$27,240
Home Insurance *$261$3,132
Property Taxes $420$5,040
Electricity $354$4,259
Total$3,305$39,660
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$113,314/yr
40% on housing$99,150/yr
45% on housing$88,133/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

$277This listing

vs Other Active Listings

Avg $/sqft

ZIP 02740$229
Bristol County$275

vs Homes Sold Last Month

Median $/sqft

ZIP 02740$297
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)

Price History

DateEventPrice
2026-05-10Contingent$449,000
2026-04-07Listed for sale$449,000
2022-08-31Sold$315,000
2022-07-20Listed for sale$339,900
2003-04-30Sold$145,000
2002-05-02Sold$100,000
2001-01-22Sold$107,887
1997-06-27Sold$75,000
1997-04-11Sold$20,000

For Sale by Agent

AgentAlexandra Stamatakos
BrokerageCorcoran Chart House Realty

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