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64 Cleveland St, Melrose, MA, 02176

3beds
3baths
2,276sqft
$949,900
$417price/sqft
$6,239/moest. monthly cost
$249,560/yrincome needed

About This Home

This is a beautiful standard two family up/Down with a finished walk up attic. Both unit kitchens are fully applianced, separate entries from common entry ways. You have 4 side by side parking spots. Two private fenced in outdoor sitting areas, a Reeds Ferry Shed, Cedar Impressions Vinyl Siding, Composite/vinyl porch, stairways in the back and granite stairway in front, Separate utilities, for heat & hot water, and two separate W/D set ups the basement. First floor kitchen is radiant heated, walk up attic has a HVAC unit, sprinkler system, and you are a short walk to the commuter rail to Boston and bus service to Oak Grove train station, Easy access to route 93 both North and South, Orange line is approximately 1 mile away. Melrose offers many restaurants and shopping opportunities, public Library, Hospital, Ell Pond, two supermarkets (Shaw's & Whole Foods), public tennis courts, parks, swimming pool, and both Public & Private schools. A great community with Victorian flair, etc.

Getting Around

83
WalkingVery Walkable
35
TransitSome Transit
54
BikeBikeable

Schools

8/10
6/10
Melrose Middle SchoolGrades 6-80.6 mi
10/10
Melrose High SchoolGrades 9-120.6 mi

Construction

Condition

  • Year built: 1900

Materials

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

Type & Style

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

Interior

Appliances

  • Appliances included: Range,Dishwasher,Disposal,Microwave,Refrigerator,Washer,Dryer

Basement

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

Bedrooms & Bathrooms

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

Features

  • Storage,Mudroom,Ceiling Fan(s),Walk-In Closet(s),Bathroom With Tub & Shower,Walk-Up Attic,Living Room,Dining Room,Kitchen,Sunroom,Office/Den
  • Door features: Insulated Doors
  • Window features: Insulated Windows,Screens
  • Flooring: Wood,Tile,Hardwood,Stone/Ceramic Tile
  • Finished area above ground: 2,276

Heating & Cooling

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

Interior Area

  • Total structure area: 2,276
  • Total interior livable area: 2,276 sqft

Property

Details

  • Parcel number: M:0B7 P:0000008,653073
  • Zoning: URA

Features

  • Patio & porch: Porch,Deck - Composite,Patio
  • Exterior features: Rain Gutters,Sprinkler System,Garden
  • Fencing: Fenced

Lot

  • Lot size: 5,950 sqft
  • Features: Corner Lot,Level

Parking

  • Total spaces: 4
  • Parking features: 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 FloodingRelatively High
  • 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 $4,803$57,636
Home Insurance *$219$2,628
Property Taxes $769$9,228
Electricity $448$5,385
Total$6,239$74,868
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$213,908/yr
40% on housing$187,170/yr
45% on housing$166,373/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: 7.6%
7.6%
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

$417This listing

vs Other Active Listings

Avg $/sqft

ZIP 02176$370
Middlesex County$437

vs Homes Sold Last Month

Median $/sqft

ZIP 02176$461
Middlesex County$413

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
2026-08-12Contingent$949,900
2026-07-30Price change$949,900
2026-07-19Listed for sale$1,000,000
2008-08-05Sold$430,000

For Sale by Agent

AgentAlexander Zedros
BrokerageHarbor View Real Estate Corp.

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