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14 Naylor St, North Chelmsford, MA, 01863

6beds
2baths
3,116sqft
$839,000
$269price/sqft
$6,036/moest. monthly cost
$241,440/yrincome needed

About This Home

Beautifully maintained and spacious large home set on over an acre of land, offering 6 bedrooms, 2 full baths, and approximately 3,100+ sq ft of living space. The home can be used as single family dwelling, multi-family home, or rental property. Originally built in 1870, this property blends historic character with thoughtful upkeep and pride of ownership throughout. The home features generous room sizes across two levels, ideal for extended living or investment potential. Enjoy gorgeous, well-kept landscaping and expansive outdoor space, along with a separate three-car garage building providing ample storage or workshop possibilities. A rare opportunity combining space, condition, and versatility in a desirable North Chelmsford location.

Getting Around

12
WalkingCar-Dependent
0
TransitVery Limited Transit
28
BikeSomewhat Bikeable

Schools

8/10
Col Moses Parker SchoolGrades 5-60.8 mi
7/10
McCarthy Middle SchoolGrades 5-81.6 mi
9/10
Chelmsford High SchoolGrades 9-121.2 mi

Construction

Condition

  • Year built: 1870

Materials

  • Foundation: Concrete Perimeter
  • Roof: Shingle

Type & Style

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

Interior

Appliances

  • Appliances included: Gas Water Heater,Range,Dishwasher,Disposal,Microwave,Refrigerator,Freezer,Washer,Dryer,ENERGY STAR Qualified Dishwasher
  • Laundry features: Electric Dryer Hookup,Washer Hookup

Basement

  • Has basement: Yes
  • Basement: Partial,Concrete

Bedrooms & Bathrooms

  • Bedrooms: 6
  • Bathrooms: 2
  • Full bathrooms: 2

Features

  • Flooring: Wood
  • Finished area above ground: 3,116

Heating & Cooling

  • Heating features: Steam
  • Cooling features: Window Unit(s)

Interior Area

  • Total structure area: 3,116
  • Total interior livable area: 3,116 sqft

Master Bathroom

  • Features: Yes

Property

Details

  • Parcel number: M:0036 B:0145 L:2
  • Zoning: RB
  • Exclusions: Personal Items

Features

  • Patio & porch: Porch - Enclosed
  • Exterior features: Porch - Enclosed

Lot

  • Lot size: 1.12 Acres
  • Features: Corner Lot,Wooded

Parking

  • Total spaces: 6
  • Parking features: Detached,Storage,Paved Drive,Off Street
  • Has garage: Yes
  • Attached garage spaces: 3
  • Covered spaces: 3
  • Has uncovered spaces: Yes
  • Uncovered spaces: 3

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

  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

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 $4,242$50,904
Home Insurance *$219$2,628
Property Taxes $961$11,532
Electricity $614$7,373
Total$6,036$72,432
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$206,948/yr
40% on housing$181,080/yr
45% on housing$160,960/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

$269This listing

vs Other Active Listings

Avg $/sqft

ZIP 01863$312
Middlesex County$437

vs Homes Sold Last Month

Median $/sqft

ZIP 01863$392
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)

No zestimate history available

Price History

DateEventPrice
2026-08-17Pending sale$839,000
2026-08-03Price change$839,000
2026-07-21Price change$869,000
2026-06-12Listed for sale$899,900
1989-02-28Sold$80,000
AgentMatthias Hoffmann
BrokerageStartPoint Realty

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