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44 Harmon St, Lynn, MA, 01905

3beds
2baths
1,800sqft
$689,000
$383price/sqft
$4,684/moest. monthly cost
$187,360/yrincome needed

About This Home

West Lynn cape located in a quiet neighborhood with covered porch, fenced yard, large driveway, and all the upgrades you expect from a modern single family. Fully-equipped kitchen with gas cooking, granite counters, stainless appliances, dishwasher, and microwave. Open-concept living room with hardwood floors and plenty of natural light. Two bedrooms with large closets and a full bath complete the main level. Loft space upstairs has room for two more beds or creative office space. Lower level has an expansive den with adjacent sitting room, another full bath, and laundry. Efficient AC & heat mini-split units on each floor, endless on-demand hot water powered by gas, and newer roof with leased solar panels. Level fenced yard with a paver patio and privacy trees spanning the back line. Located just south of Lynn Woods with easy access to Route 1 and 1A to Boston, Breed Park, North Strand Trail, Market Basket, and Lynn Shore Drive beaches.

Getting Around

36
WalkingCar-Dependent
28
TransitSome Transit
35
BikeSomewhat Bikeable

Schools

3/10
Breed Middle SchoolGrades 6-80.2 mi

Construction

Condition

  • Year built: 1950

Materials

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

Type & Style

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

Interior

Appliances

  • Appliances included: Gas Water Heater,Range,Dishwasher,Disposal,Microwave
  • Laundry features: In Basement,Electric Dryer Hookup

Basement

  • Has basement: Yes
  • Basement: Full,Finished

Bedroom2

  • Level: First

Bedroom3

  • Level: Second

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 2

Family Room

  • Level: Basement

Features

  • Window features: Insulated Windows,Storm Window(s)
  • Flooring: Wood,Tile
  • Finished area below ground: 550
  • Finished area above ground: 1,250

Heating & Cooling

  • Heating features: Central,Heat Pump
  • Cooling features: Central Air

Interior Area

  • Total structure area: 1,800
  • Total interior livable area: 1,800 sqft

Kitchen

  • Level: First

Living Room

  • Level: First

Master Bathroom

  • Features: Yes

Master Bedroom

  • Level: First

Property

Accessibility

  • Accessibility features: No

Details

  • Parcel number: M:024 B:366 L:074,1996174
  • Zoning: R2

Features

  • Patio & porch: Porch
  • Exterior features: Porch,Storage,Fenced Yard
  • Fencing: Fenced

Lot

  • Lot size: 4,195 sqft
  • Features: Level

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

  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

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 $3,483$41,796
Home Insurance *$262$3,144
Property Taxes $585$7,020
Electricity $354$4,259
Total$4,684$56,208
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$160,594/yr
40% on housing$140,520/yr
45% on housing$124,906/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

$383This listing

vs Other Active Listings

Avg $/sqft

ZIP 01905$303
Essex County$385

vs Homes Sold Last Month

Median $/sqft

ZIP 01905$439
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)

Price History

DateEventPrice
2026-07-16Listed for sale$689,000
2020-12-31Sold$480,000
2020-11-05Pending sale$489,900
2020-10-28Price change$489,900
2020-10-21Listed for sale$504,900
2016-08-31Sold$384,900
2016-07-11Pending sale$384,900
2016-06-16Listed for sale$384,900
2016-04-07Pending sale$384,900
2016-03-31Listed for sale$384,900
2015-05-14Sold$100,000

For Sale by Agent

AgentSteve Binder
BrokerageBinder Residential

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