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105 Centennial Ave, Gloucester, MA, 01930

3beds
1baths
990sqft
$518,000
$523price/sqft
$3,567/moest. monthly cost
$142,680/yrincome needed

About This Home

Great layout! Bring your ideas and unlock the potential of this home in the heart of Gloucester! Ideally located just moments from the iconic Stacy Boulevard, you’ll enjoy front-row access to some of the city’s most beloved coastal traditions - from waterfront strolls and morning coffee by the harbor to community events, festivals, and the simple beauty of ocean breezes. This in-town location offers unbeatable convenience, with shops, restaurants, and beaches all within easy reach. Ample parking is a rare bonus for this area - making everyday living and hosting guests a breeze. From the side porch, discover the “secret” sunset spot - an unexpected, peaceful retreat where the sky lights up at the end of the day. The property presents a fantastic opportunity to build equity and customize a space to your exact taste. In a market where move-in ready homes command a premium, this is your chance to invest wisely and create something truly your own. Solar panels are OWNED.

Getting Around

81
WalkingVery Walkable
45
TransitSome Transit
31
BikeSomewhat Bikeable

Schools

Construction

Condition

  • Year built: 1900

Materials

  • Foundation: Stone,Brick/Mortar
  • Roof: Shingle
  • Construction materials: Frame

Type & Style

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

Interior

Appliances

  • Appliances included: Gas Water Heater,Range,Microwave,Refrigerator,Washer,Dryer
  • Laundry features: First Floor,Electric Dryer Hookup,Washer Hookup

Basement

  • Has basement: Yes
  • Basement: Full,Bulkhead,Sump Pump,Concrete

Bathroom1

  • Level: First

Bedroom2

  • Level: Second

Bedroom3

  • Level: Second

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 1
  • Full bathrooms: 1

Dining Room

  • Level: First

Features

  • Flooring: Wood,Vinyl
  • Number of fireplaces: 1
  • Fireplace: Yes
  • Finished area below ground: 0
  • Finished area above ground: 990

Heating & Cooling

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

Interior Area

  • Total structure area: 990
  • Total interior livable area: 990 sqft

Kitchen

  • Level: First

Living Room

  • Level: First

Master Bedroom

  • Level: Second

Property

Details

  • Parcel number: M:0023 B:0041 L:0000,1894608
  • Zoning: R-5

Features

  • Patio & porch: Porch
  • Exterior features: Porch
  • Waterfront features: Ocean,1/2 to 1 Mile To Beach,Beach Ownership(Public)

Lot

  • Lot size: 4,258 sqft

Parking

  • Total spaces: 4
  • Parking features: Paved Drive,Off Street,Paved
  • Has uncovered spaces: Yes
  • Uncovered spaces: 4

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 FloodingRelatively High
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Coastal Flooding
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 $2,619$31,428
Home Insurance *$177$2,124
Property Taxes $417$5,004
Electricity $354$4,259
Total$3,567$42,804
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$122,297/yr
40% on housing$107,010/yr
45% on housing$95,120/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

$523This listing

vs Other Active Listings

Avg $/sqft

ZIP 01930$517
Essex County$385

vs Homes Sold Last Month

Median $/sqft

ZIP 01930$426
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
2026-04-28Listed for sale$539,000
2005-08-18Sold$292,500

For Sale by Agent

AgentNice to be Home Group
BrokerageRE/MAX Beacon

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