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11 Fleming St, Lowell, MA, 01851

3beds
2baths
2,123sqft
$699,900
$330price/sqft
$4,857/moest. monthly cost
$194,280/yrincome needed

About This Home

Welcome to 11 Fleming St, a beautifully refreshed single-family home in Lowell’s desirable Highlands neighborhood. Built in 1996, this 3-bedroom, 1.5-bath home offers over 2,100 square feet of comfortable living space with fresh paint and new carpeting throughout. The flexible layout includes generous bedrooms, a spacious main living area, and a large family room above the oversized two-car garage, perfect for a playroom, home office, gym, or media space. Set on an 8,276 square foot lot, the property also features a fenced yard with plenty of room to enjoy outdoor living, gardening, pets, or entertaining. With ample storage, off-street parking, and a convenient Lowell location, this home is a wonderful opportunity for buyers seeking space, function, and comfort. This desirable neighborhood is minutes from the Lowell connector, route and route 495 for easy commuting. Close to restaurants and shopping as well.

Getting Around

55
WalkingSomewhat Walkable
36
TransitSome Transit
43
BikeSomewhat Bikeable

Schools

8/10
4/10
Lowell High SchoolGrades 9-121.8 mi

Construction

Condition

  • Year built: 1996

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,Disposal,Microwave,Refrigerator,Washer,Dryer
  • Laundry features: In Basement,Gas Dryer Hookup,Washer Hookup

Basement

  • Has basement: Yes
  • Basement: Full,Bulkhead,Unfinished

Bathroom1

  • Features: Bathroom - Half
  • Level: First

Bathroom2

  • Features: Bathroom - Full, Bathroom - With Tub & Shower
  • Level: Second

Bedroom2

  • Features: Closet, Flooring - Wall to Wall Carpet
  • Level: Second

Bedroom3

  • Features: Closet, Flooring - Wall to Wall Carpet
  • Level: Second

Bedrooms & Bathrooms

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

Dining Room

  • Level: First

Family Room

  • Level: First

Features

  • Wired for Sound
  • Door features: Storm Door(s)
  • Flooring: Tile,Carpet
  • Number of fireplaces: 1
  • Fireplace: Yes
  • Finished area below ground: 0
  • Finished area above ground: 2,123

Heating & Cooling

  • Heating features: Forced Air,Natural Gas
  • Cooling features: Central Air,Window Unit(s)

Interior Area

  • Total structure area: 2,123
  • Total interior livable area: 2,123 sqft

Kitchen

  • Features: Flooring - Vinyl, Deck - Exterior, Open Floorplan
  • Level: First

Living Room

  • Features: Flooring - Vinyl, Window(s) - Bay/Bow/Box, Open Floorplan
  • Level: First

Master Bathroom

  • Features: Yes

Master Bedroom

  • Features: Bathroom - Full, Ceiling Fan(s), Vaulted Ceiling(s), Flooring - Wall to Wall Carpet
  • Level: Second

Property

Details

  • Parcel number: 3181380
  • Zoning: RES
  • Exclusions: Wine Fridge In Kitchen,And Fire Pits (2)

Features

  • Patio & porch: Porch,Deck
  • Exterior features: Porch,Deck,Storage,Fenced Yard
  • Fencing: Fenced/Enclosed,Fenced

Lot

  • Lot size: 8,276 sqft
  • Features: Level

Parking

  • Total spaces: 5
  • Parking features: Attached,Under,Paved Drive,Off Street
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • 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

  • Ice Storm
    Ice StormModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

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 $3,539$42,468
Home Insurance *$251$3,012
Property Taxes $649$7,788
Electricity $418$5,023
Total$4,857$58,284
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$166,525/yr
40% on housing$145,710/yr
45% on housing$129,520/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

$330This 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
2026-08-14Listed for sale$695,000
2026-08-10Contingent$699,900
2026-07-28Listed for sale$699,900
1996-11-27Sold$129,900

For Sale by Agent

AgentTara Farley
BrokerageChurchill Properties

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