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2102 Lewis O Gray Dr, Saugus, MA, 01906

3beds
3baths
1,890sqft
$569,000
$301price/sqft
$3,923/moest. monthly cost
$156,920/yrincome needed

About This Home

Located in the desirable Sheffield Heights community in Saugus, this spacious 3-bedroom, 2.5-bath home including a finished lower level. The open layout features hardwood flooring, abundant natural light, and seamless flow between living, dining, and kitchen areas with access to a private balcony or deck. The upper level includes generous bedrooms, highlighted by a primary suite with walk-in closet and balcony access. The finished lower level offers flexible living space with a full bath, fireplace, exterior access, and slider. Additional features include central air, central vacuum, radon mitigation system, in-unit laundry, and 2 assigned parking spaces. Community amenities include a swimming pool, tennis court, clubroom, landscaping, snow removal, and master insurance. Conveniently located near shopping, dining, schools, golf, medical facilities, and major highways.

Getting Around

24
WalkingCar-Dependent
19
TransitMinimal Transit
10
BikeSomewhat Bikeable

Schools

4/10
Belmonte STEAM AcademyGrades 2-51.5 mi
4/10
4/10
Saugus High SchoolGrades 9-121.0 mi

Construction

Condition

  • Year built: 1984

Type & Style

  • Home type: Townhouse
  • Property subType: Condominium,Townhouse

Interior

Appliances

  • Laundry features: In Basement

Basement

  • Has basement: Yes

Bathroom1

  • Features: Bathroom - Half, Flooring - Stone/Ceramic Tile
  • Level: First

Bathroom2

  • Features: Bathroom - Full, Flooring - Stone/Ceramic Tile
  • Level: Second

Bathroom3

  • Features: Bathroom - Full, Bathroom - With Shower Stall, Flooring - Stone/Ceramic Tile
  • Level: Basement

Bedroom2

  • Features: Closet, Flooring - Hardwood
  • Level: Second
  • Area: 154

Bedroom3

  • Features: Skylight, Ceiling Fan(s), Closet, Flooring - Wall to Wall Carpet, Recessed Lighting
  • Level: Third
  • Area: 304

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 3
  • Full bathrooms: 2
  • 1/2 bathrooms: 1

Dining Room

  • Features: Flooring - Hardwood, Balcony / Deck, Open Floorplan, Slider
  • Level: First
  • Area: 108

Family Room

  • Features: Bathroom - Full, Closet, Flooring - Wall to Wall Carpet, Exterior Access, Slider
  • Level: Basement
  • Area: 360

Features

  • Number of fireplaces: 1
  • Fireplace features: Family Room
  • Fireplace: Yes
  • Finished area above ground: 1,890

Heating & Cooling

  • Heating features: Forced Air,Electric
  • Cooling features: Central Air

Interior Area

  • Total structure area: 1,890
  • Total interior livable area: 1,890 sqft

Kitchen

  • Features: Flooring - Hardwood, Dining Area, Open Floorplan, Recessed Lighting, Remodeled, Slider
  • Level: First
  • Area: 120

Living Room

  • Features: Flooring - Hardwood, Window(s) - Picture
  • Level: First
  • Area: 195

Master Bedroom

  • Features: Walk-In Closet(s), Flooring - Hardwood, Balcony / Deck, Slider
  • Level: Second
  • Area: 204

Property

Details

  • Parcel number: M:009B B:0011 L:0002,2156756
  • Zoning: NA

Parking

  • Total spaces: 2
  • 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

  • Inland Flooding
    Inland FloodingModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Inland 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 $2,877$34,524
Home Insurance *$170$2,040
Property Taxes $504$6,048
Electricity $372$4,472
Total$3,923$47,076
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$134,502/yr
40% on housing$117,690/yr
45% on housing$104,613/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

$301This listing

vs Other Active Listings

Avg $/sqft

ZIP 01906$348
Essex County$385

vs Homes Sold Last Month

Median $/sqft

ZIP 01906$371
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
2026-05-10Listed for sale$649,000
2021-05-10Sold$512,000
2019-02-15Sold$445,000
2008-05-11Listing removed$335,000
2008-05-01Listed for sale$335,000
1996-03-27Sold$145,000

For Sale by Agent

AgentAssunta Palomba
BrokerageMango Realty, Inc.

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