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44 Church St, Wakefield, MA, 01880

3beds
3baths
2,163sqft
$774,999
$358price/sqft
$5,247/moest. monthly cost
$209,880/yrincome needed

About This Home

Welcome to 44 Church Street, a historic Federal Colonial overlooking beautiful Lake Quannapowitt. Rich in character and timeless New England charm, this one-of-a-kind home features wide plank floors, exposed beams, antique hardware, custom built-ins, and a striking center chimney, with portions dating back to a 1720s tin shop. Flexible living space spans three levels, including a third-floor bonus suite ideal for guests, a home office, or a private retreat. Thoughtful updates—including a newer roof (2020), furnace (2024), and central A/C—provide modern comfort while preserving the home's historic character. Outside, enjoy perennial gardens, inviting patio space, ample off-street parking, and a welcoming front porch with beautiful lake views. Ideally located just moments from downtown Wakefield, the commuter rail, restaurants, shops, parks, and major highways, this is a rare opportunity to own a truly distinctive property in one of Wakefield's most desirable locations.

Getting Around

85
WalkingVery Walkable
32
TransitSome Transit
76
BikeVery Bikeable

Schools

7/10
Galvin Middle SchoolGrades 5-80.5 mi
7/10
8/10

Construction

Condition

  • Year built: 1790

Materials

  • Foundation: Stone
  • Roof: Wood

Type & Style

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

Interior

Appliances

  • Appliances included: Gas Water Heater,Range,Dishwasher,Refrigerator
  • Laundry features: Washer Hookup

Basement

  • Has basement: Yes
  • Basement: Unfinished

Bathroom1

  • Area: 22.611111111

Bathroom2

  • Area: 33.041666666

Bathroom3

  • Area: 38.458333333

Bedroom2

  • Area: 114.791666666

Bedroom3

  • Area: 111.25

Bedrooms & Bathrooms

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

Dining Room

  • Area: 152.375

Features

  • Bonus Room,Play Room,Entry Hall,Internet Available - Unknown
  • Flooring: Wood
  • Number of fireplaces: 3
  • Fireplace: Yes
  • Finished area below ground: 480
  • Finished area above ground: 2,163

Heating & Cooling

  • Heating features: Forced Air,Natural Gas
  • Cooling features: Central Air

Interior Area

  • Total structure area: 2,163
  • Total interior livable area: 2,163 sqft

Kitchen

  • Area: 140.791666666

Living Room

  • Area: 273.694444444

Master Bedroom

  • Area: 280.25

Property

Details

  • Parcel number: M:000011 B:0103 P:00061A,816825
  • Zoning: B

Features

  • Patio & porch: Porch,Patio
  • Exterior features: Porch,Patio,Storage,Fenced Yard
  • Fencing: Fenced
  • Has view: Yes
  • View description: Water,Lake
  • Has water view: Yes
  • Water view: Lake,Water

Lot

  • Lot size: 5,998 sqft

Parking

  • Total spaces: 6
  • Parking features: Paved Drive,Off Street
  • Has uncovered spaces: Yes
  • Uncovered spaces: 6

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

  • Earthquake
    EarthquakeModerate
  • Hurricane
    HurricaneModerate
  • Inland Flooding
    Inland FloodingModerate
  • Ice Storm
    Ice StormModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Earthquake
Hurricane
Inland Flooding
Ice Storm
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 $3,918$47,016
Home Insurance *$176$2,112
Property Taxes $727$8,724
Electricity $426$5,118
Total$5,247$62,964
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$179,897/yr
40% on housing$157,410/yr
45% on housing$139,920/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

$358This listing

vs Other Active Listings

Avg $/sqft

ZIP 01880$372
Middlesex County$437

vs Homes Sold Last Month

Median $/sqft

ZIP 01880$427
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
2026-07-30Price change$774,999
2026-06-29Listed for sale$799,000
2026-06-29Pending sale$799,000
2026-06-15Contingent$799,000
2026-06-03Price change$799,000
2026-05-20Listed for sale$809,000
2020-07-13Sold$600,000
2020-06-11Pending sale$599,900
2020-05-27Listed for sale$599,900

For Sale by Agent

AgentEster Tos
BrokerageChinatti Realty Group, Inc.

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