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47 Water St, Winchester, MA, 01890

3beds
1baths
1,356sqft
$950,000
$701price/sqft
$6,197/moest. monthly cost
$247,880/yrincome needed

About This Home

Warmth, charm, and an exceptional location come together in this inviting 3-bedroom home. Beautiful wood floors, natural woodwork, French doors, and custom built-ins add character throughout. Generous living spaces provide room to gather, relax, and entertain, while the home's classic appeal offers the perfect opportunity to enjoy today or personalize over time. A detached 2-car garage adds convenience and additional storage, and a half bath is located in the unfinished basement. Just 1 mile from Winchester Center, enjoy easy access to restaurants, coffee shops, boutiques, the public library, and commuter options with close proximity to Boston. The recently built elementary school and renovated high school feature state-of-the-art facilities. Nearby Horn Pond offers scenic walking trails, kayaking, birdwatching, and waterfront views.

Getting Around

77
WalkingVery Walkable
0
TransitVery Limited Transit
63
BikeBikeable

Schools

9/10
Lynch Elementary SchoolGrades PK-50.3 mi
9/10
McCall Middle SchoolGrades 6-80.9 mi
10/10
Winchester High SchoolGrades 9-120.6 mi

Construction

Condition

  • Year built: 1940

Materials

  • Foundation: Block
  • 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,Water Heater,Range,Dishwasher,Disposal,Refrigerator
  • Laundry features: In Basement,Gas Dryer Hookup,Washer Hookup

Basement

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

Bathroom1

  • Features: Bathroom - Full, Flooring - Stone/Ceramic Tile, Pedestal Sink
  • Level: Second
  • Area: 55

Bathroom2

  • Features: Bathroom - Half, Flooring - Stone/Ceramic Tile, Pedestal Sink
  • Level: Basement

Bedroom2

  • Features: Closet, Flooring - Wood
  • Level: Second
  • Area: 110

Bedroom3

  • Features: Closet, Flooring - Wood, Attic Access
  • Level: Second
  • Area: 117

Bedrooms & Bathrooms

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

Dining Room

  • Features: Closet/Cabinets - Custom Built, Flooring - Wood
  • Level: First
  • Area: 121

Features

  • Closet,Office,Foyer
  • Door features: French Doors,Storm Door(s)
  • Window features: Screens
  • Flooring: Wood,Tile,Flooring - Wood
  • Finished area above ground: 1,356

Heating & Cooling

  • Heating features: Hot Water,Natural Gas
  • Cooling features: Central Air

Interior Area

  • Total structure area: 1,356
  • Total interior livable area: 1,356 sqft

Kitchen

  • Features: Flooring - Stone/Ceramic Tile, Recessed Lighting
  • Level: First
  • Area: 169

Living Room

  • Features: Flooring - Wood, French Doors
  • Level: First
  • Area: 198

Master Bathroom

  • Features: No

Master Bedroom

  • Features: Closet, Flooring - Wood
  • Level: Second
  • Area: 182

Office

  • Features: Flooring - Wood, French Doors
  • Level: First
  • Area: 99

Property

Accessibility

  • Accessibility features: No

Details

  • Parcel number: M:014 B:0055 L:0,898400
  • Zoning: RG
  • Exclusions: See Info Pack.

Features

  • Patio & porch: Porch
  • Exterior features: Porch,Rain Gutters,Screens

Lot

  • Lot size: 5,532 sqft

Parking

  • Total spaces: 4
  • Parking features: Detached,Paved Drive,Shared Driveway,Off Street
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • Has uncovered spaces: Yes
  • 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
  • Ice Storm
    Ice StormModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

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 $4,803$57,636
Home Insurance *$172$2,064
Property Taxes $868$10,416
Electricity $354$4,259
Total$6,197$74,364
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$212,468/yr
40% on housing$185,910/yr
45% on housing$165,253/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

$701This listing

vs Other Active Listings

Avg $/sqft

ZIP 01890$512
Middlesex County$437

vs Homes Sold Last Month

Median $/sqft

ZIP 01890$536
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
2026-07-15Listed for sale$950,000
1997-04-18Sold$212,000

For Sale by Agent

AgentThe Mary Scimemi Team
BrokerageLeading Edge Real Estate

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