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12 Chester St, Arlington, MA, 02476

3beds
2baths
2,116sqft
$1,199,500
$567price/sqft
$7,777/moest. monthly cost
$311,080/yrincome needed

About This Home

Situated in one of Arlington’s most sought-after neighborhoods, this charming home is just moments from Robbins Farm Park, Brackett Elementary, Ottoson Middle School, and Arlington High School. The versatile floor plan features three bedrooms, a finished lower-level bonus room, a private attic retreat ideal for a home office or studio, one-car garage and two car, off-street parking. Recent premium upgrades provide exceptional comfort and efficiency, including a high-efficiency boiler and water heater (2025), solar panels (2024), and mini-split heating and cooling systems (2022). Sun-filled living spaces and an open, inviting first floor create the perfect setting for everyday living and entertaining. Gather around the cozy gas fireplace on winter evenings or unwind on the private patio during the warmer months.Truly turnkey and move-in ready, this exceptional home also offers convenient access to public transportation, neighborhood shops, restaurants, grocery stores, and Route 2.

Getting Around

29
WalkingCar-Dependent
34
TransitSome Transit
23
BikeSomewhat Bikeable

Schools

7/10
10/10
Ottoson Middle SchoolGrades 7-80.7 mi
10/10
Arlington High SchoolGrades 9-121.1 mi

Construction

Condition

  • Year built: 1938

Materials

  • Foundation: Block

Type & Style

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

Interior

Appliances

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

Basement

  • Has basement: Yes
  • Basement: Partial

Bedrooms & Bathrooms

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

Features

  • Walk-up Attic
  • Door features: Insulated Doors,Storm Door(s)
  • Window features: Insulated Windows
  • Number of fireplaces: 2
  • Fireplace: Yes
  • Finished area below ground: 143
  • Finished area above ground: 1,973

Heating & Cooling

  • Heating features: Electric Baseboard,Radiant,Heat Pump,Oil,Natural Gas,Active Solar
  • Cooling features: Heat Pump

Interior Area

  • Total structure area: 2,116
  • Total interior livable area: 2,116 sqft

Master Bathroom

  • Features: No

Property

Details

  • Parcel number: M:155.0 B:0006 L:0001,330086
  • Zoning: R1

Features

  • Patio & porch: Patio,Covered
  • Exterior features: Patio,Covered Patio/Deck,Rain Gutters,Storage,Fenced Yard,Drought Tolerant/Water Conserving Landscaping,Garden,Stone Wall
  • Fencing: Fenced/Enclosed,Fenced

Lot

  • Lot size: 4,500 sqft

Parking

  • Total spaces: 3
  • Parking features: Under,Garage Door Opener,Off Street
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1
  • 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 FloodingRelatively High
  • 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 $6,065$72,780
Home Insurance *$238$2,856
Property Taxes $1,057$12,684
Electricity $417$5,007
Total$7,777$93,324
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$266,640/yr
40% on housing$233,310/yr
45% on housing$207,386/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

$567This listing

vs Other Active Listings

Avg $/sqft

ZIP 02476$494
Middlesex County$437

vs Homes Sold Last Month

Median $/sqft

ZIP 02476$549
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$1,199,500

For Sale by Agent

AgentDarin Thompson
BrokerageStuart St James, Inc.

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