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37 Karen St, Lowell, MA, 01851

4beds
3baths
2,850sqft
$749,900
$263price/sqft
$5,317/moest. monthly cost
$212,680/yrincome needed

About This Home

Back on the Market due to buyers Financing. Newly remodeled colonial located close to shopping, schools, public transportation and more. This home has been completely remodeled to include new kitchen, 3 new full bathrooms, new paint throughout, new vinyl plank and tile flooring, new electrical, new plumbing w/ on demand hot water and new heating / AC units. The exterior offers new vinyl siding, new black windows, expansive deck newly stained, architectural shingle roof and solar panels. The home also has a finished basement with additional bedroom/ family room, office, laundry and storage.

Getting Around

66
WalkingSomewhat Walkable
37
TransitSome Transit
46
BikeSomewhat Bikeable

Schools

5/10
Dr An Wang Middle SchoolGrades 5-81.1 mi
4/10
Lowell High SchoolGrades 9-122.6 mi

Construction

Condition

  • Year built: 1965

Materials

  • Foundation: Concrete Perimeter
  • 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,Range,Dishwasher,Refrigerator,Range Hood
  • Laundry features: In Basement,Electric Dryer Hookup

Basement

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

Bathroom1

  • Features: Flooring - Stone/Ceramic Tile
  • Level: First

Bathroom2

  • Features: Flooring - Stone/Ceramic Tile
  • Level: Second

Bathroom3

  • Features: Flooring - Stone/Ceramic Tile
  • Level: Second

Bedroom2

  • Features: Flooring - Vinyl
  • Level: Second

Bedroom3

  • Features: Flooring - Vinyl
  • Level: Second

Bedroom4

  • Features: Flooring - Vinyl
  • Level: First

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 3

Dining Room

  • Features: Flooring - Vinyl
  • Level: First

Family Room

  • Features: Flooring - Vinyl
  • Level: Basement

Features

  • Office
  • Flooring: Tile
  • Finished area below ground: 450
  • Finished area above ground: 2,400

Heating & Cooling

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

Interior Area

  • Total structure area: 2,850
  • Total interior livable area: 2,850 sqft

Kitchen

  • Features: Flooring - Vinyl
  • Level: First

Living Room

  • Features: Flooring - Vinyl
  • Level: First

Master Bathroom

  • Features: Yes

Master Bedroom

  • Features: Flooring - Vinyl
  • Level: Second

Office

  • Level: Basement

Property

Details

  • Parcel number: M:34 B:3325 L:37,3174899
  • Zoning: TSF

Features

  • Patio & porch: Deck - Wood
  • Exterior features: Deck - Wood
  • Waterfront features: River,1/2 to 1 Mile To Beach,Beach Ownership(Public)

Lot

  • Lot size: 5,663 sqft

Parking

  • Total spaces: 4
  • Parking features: Paved Drive,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
  • 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 $3,791$45,492
Home Insurance *$269$3,228
Property Taxes $695$8,340
Electricity $562$6,744
Total$5,317$63,804
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$182,297/yr
40% on housing$159,510/yr
45% on housing$141,786/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

$263This listing

vs Other Active Listings

Avg $/sqft

ZIP 01851$270
Middlesex County$437

vs Homes Sold Last Month

Median $/sqft

ZIP 01851$343
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
2026-08-10Price change$734,900
2026-08-04Price change$744,900
2026-07-09Listed for sale$749,900
2026-06-29Pending sale$749,900
2026-06-25Listed for sale$749,900

For Sale by Agent

AgentTimothy R. Shanahan
BrokerageMerrimack Realty Group, Chelmsford

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