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89 Sayles St, Lowell, MA, 01851

3beds
3baths
1,845sqft
$599,000
$325price/sqft
$4,161/moest. monthly cost
$166,440/yrincome needed

About This Home

Welcome to the Highlands! This charming Gambrel offers space, comfort, and room to entertain inside and out. Enter to a bright open-concept living and dining room, where a sliding door opens to the rear deck and an enclosed backyard shaded by a beautiful grapevine canopy — perfect for summer cookouts. Off the hall you'll find the kitchen with tile floor, a full first-floor bathroom, and a connecting door to the dining room for easy flow when entertaining. Upstairs are three bedrooms with hardwood floors, closets, and ceiling fans, plus a second full bathroom with tub, shower, and tile floor — the rear bedroom overlooks the deck and backyard. The finished lower-level family room with wall-to-wall carpet, sink, and refrigerator is ready for game day and family get-togethers. Paved driveway, one-car garage, and close to shopping, dining, schools, and commuter routes. Come see everything this Highlands home has to offer! The seller reserves the rights to accept any and all offers anytime.

Getting Around

59
WalkingSomewhat Walkable
42
TransitSome Transit
46
BikeSomewhat Bikeable

Schools

6/10
8/10
4/10
Lowell High SchoolGrades 9-121.6 mi

Construction

Condition

  • Year built: 1920

Materials

  • Foundation: Stone

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Gas Water Heater,Water Heater,Range,Refrigerator

Basement

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

Bathroom1

  • Features: Bathroom - Full, Bathroom - Tiled With Tub & Shower, Flooring - Stone/Ceramic Tile
  • Level: First

Bathroom2

  • Features: Bathroom - Full, Bathroom - Tiled With Tub & Shower, Flooring - Stone/Ceramic Tile
  • Level: Second

Bathroom3

  • Features: Bathroom - Tiled With Tub & Shower, Flooring - Stone/Ceramic Tile
  • Level: Basement

Bedroom2

  • Features: Closet, Flooring - Hardwood
  • Level: Second

Bedroom3

  • Features: Closet, Flooring - Hardwood
  • Level: Second

Bedrooms & Bathrooms

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

Dining Room

  • Features: Flooring - Hardwood, Balcony / Deck, Balcony - Exterior, Open Floorplan, Slider
  • Level: Main,First

Family Room

  • Features: Flooring - Wall to Wall Carpet
  • Level: Basement

Features

  • Flooring: Wood,Tile,Carpet,Hardwood
  • Finished area below ground: 320
  • Finished area above ground: 1,525

Heating & Cooling

  • Heating features: Steam,Natural Gas
  • Cooling features: None

Interior Area

  • Total structure area: 1,845
  • Total interior livable area: 1,845 sqft

Kitchen

  • Features: Bathroom - Full, Flooring - Stone/Ceramic Tile, Countertops - Stone/Granite/Solid, Gas Stove
  • Level: Main,First

Living Room

  • Features: Flooring - Hardwood, Open Floorplan
  • Level: Main,First

Master Bathroom

  • Features: No

Master Bedroom

  • Features: Ceiling Fan(s), Closet, Flooring - Hardwood
  • Level: Second

Property

Details

  • Parcel number: 3178317
  • Zoning: TSF
  • Exclusions: Personal Property In The Garage.

Lot

  • Lot size: 4,792 sqft

Parking

  • Total spaces: 3
  • Parking features: Detached,Paved Drive,Off Street,Driveway,Paved
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1
  • 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 FloodingRelatively High
  • Cold Wave
    Cold WaveModerate
  • Ice Storm
    Ice StormModerate
  • Lightning
    LightningModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Inland Flooding
Cold Wave
Ice Storm
Lightning
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 $3,028$36,336
Home Insurance *$215$2,580
Property Taxes $555$6,660
Electricity $363$4,365
Total$4,161$49,932
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$142,662/yr
40% on housing$124,830/yr
45% on housing$110,960/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

$325This listing

vs Other Active Listings

Avg $/sqft

ZIP 01851$266
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
2026-08-04Price change$589,900
2026-07-17Listed for sale$599,000
2003-07-01Sold$229,500
1996-03-29Sold$67,100

For Sale by Agent

AgentPaul-Ratha Yem
BrokerageGlobal Realty Network, Inc.

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