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39 McKinley Ave, Lowell, MA, 01851

4beds
3baths
2,634sqft
$779,000
$296price/sqft
$5,459/moest. monthly cost
$218,360/yrincome needed

About This Home

Magnificently renovated (2026) throughout. This “like brand new” gem is nestled on a corner lot and serene side street. This 4-bedroom, 2 ½ bath sundrenched home offers amazing features: new roof, new kitchen, new baths, new floors, new quartz counters throughout, new plumbing, new 200 AMP electric, entirely new 3-zone HVAC system, new central air, new spray foam insulation, new deck, new main water line, & more. Enjoy the gleaming eat-in kitchen with stainless steel appliances, gas stove, & quartz counters, spacious dining room perfect for entertaining, fireplaced family room with wet bar, fireplaced living room, large bedrooms, private office, oversized game room, gorgeous baths, private rear yard, extra-large one-car attached garage, breezeway leading to rear deck, & so much more. As you enter, you will see how the rooms flow seamlessly into one another. This one-of-a-kind opportunity truly has it all, including effortless access to highways, transportation, shopping, dining & more.

Getting Around

52
WalkingSomewhat Walkable
35
TransitSome Transit
42
BikeSomewhat Bikeable

Schools

8/10
4/10
Lowell High SchoolGrades 9-122.0 mi

Construction

Condition

  • Year built: 1964

Materials

  • Foundation: Concrete Perimeter
  • Roof: Shingle
  • Construction materials: Frame

Type & Style

  • Home type: SingleFamily
  • Architectural style: Cape,Shingle
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Water Heater,Range,Dishwasher,Disposal,Microwave,Refrigerator,Range Hood
  • Laundry features: Dryer Hookup - Electric,Washer Hookup,Flooring - Vinyl,Electric Dryer Hookup,Remodeled,In Basement

Basement

  • Has basement: Yes
  • Basement: Full,Finished,Interior Entry,Bulkhead

Bathroom1

  • Features: Bathroom - Full, Bathroom - Double Vanity/Sink, Bathroom - Tiled With Tub, Flooring - Stone/Ceramic Tile, Countertops - Stone/Granite/Solid, Countertops - Upgraded
  • Level: Main,First
  • Area: 70

Bathroom2

  • Features: Bathroom - Full, Closet/Cabinets - Custom Built, Flooring - Stone/Ceramic Tile, Countertops - Stone/Granite/Solid, Countertops - Upgraded, Double Vanity, Remodeled
  • Level: Second
  • Area: 60

Bathroom3

  • Features: Bathroom - Half, Flooring - Vinyl, Countertops - Stone/Granite/Solid, Countertops - Upgraded, Cabinets - Upgraded
  • Level: Basement
  • Area: 25

Bedroom2

  • Features: Closet, Flooring - Hardwood, Recessed Lighting, Remodeled
  • Level: Second
  • Area: 195

Bedroom3

  • Features: Closet, Flooring - Hardwood, Recessed Lighting, Remodeled
  • Level: Second
  • Area: 143

Bedroom4

  • Features: Closet, Flooring - Hardwood, Recessed Lighting, Remodeled
  • Level: Main,First
  • Area: 169

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 2
  • 1/2 bathrooms: 1
  • Main level bathrooms: 1
  • Main level bedrooms: 1

Dining Room

  • Features: Flooring - Hardwood, Breakfast Bar / Nook, Recessed Lighting, Remodeled
  • Level: Main,First
  • Area: 156

Family Room

  • Features: Walk-In Closet(s), Wet Bar, Exterior Access, Recessed Lighting, Remodeled
  • Level: Basement
  • Area: 320

Features

  • Closet,Bathroom - Half,Wet bar,Cabinets - Upgraded,Office,Game Room,Wet Bar
  • Door features: Insulated Doors
  • Window features: Insulated Windows,Screens
  • Flooring: Wood,Tile,Hardwood,Flooring - Vinyl
  • Number of fireplaces: 2
  • Fireplace features: Family Room,Living Room
  • Fireplace: Yes
  • Finished area below ground: 784
  • Finished area above ground: 1,850

Heating & Cooling

  • Heating features: Central,Forced Air,Fireplace
  • Cooling features: Central Air

Interior Area

  • Total structure area: 2,634
  • Total interior livable area: 2,634 sqft

Kitchen

  • Features: Flooring - Hardwood, Countertops - Stone/Granite/Solid, Countertops - Upgraded, Kitchen Island, Deck - Exterior, Open Floorplan, Crown Molding, Breezeway
  • Level: Main,First
  • Area: 143

Living Room

  • Features: Flooring - Hardwood, Exterior Access, Recessed Lighting, Remodeled
  • Level: Main,First
  • Area: 234

Master Bathroom

  • Features: No

Master Bedroom

  • Features: Closet, Flooring - Hardwood, Recessed Lighting, Remodeled, Closet - Double
  • Level: Second
  • Area: 288

Office

  • Features: Closet, Flooring - Vinyl, Dryer Hookup - Electric, Washer Hookup
  • Level: Basement
  • Area: 143

Property

Details

  • Parcel number: 3181549
  • Zoning: Res

Features

  • Patio & porch: Deck - Composite
  • Exterior features: Deck - Composite,Professional Landscaping,Screens,Fenced Yard
  • Fencing: Fenced/Enclosed,Fenced

Lot

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

Parking

  • Total spaces: 5
  • Parking features: Attached,Garage Door Opener,Storage,Workshop in Garage,Garage Faces Side,Oversized,Paved Drive,Off Street,Driveway,Paved
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1
  • 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

  • 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 $3,939$47,268
Home Insurance *$279$3,348
Property Taxes $722$8,664
Electricity $519$6,232
Total$5,459$65,508
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$187,165/yr
40% on housing$163,770/yr
45% on housing$145,573/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

$296This listing

vs Other Active Listings

Avg $/sqft

ZIP 01851$268
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
2026-07-10Listed for sale$779,000
2026-02-23Sold$489,900
2026-01-14Contingent$449,900
2026-01-05Listed for sale$449,900
1993-12-08Sold$76,000

For Sale by Agent

AgentJack Andrellos
BrokerageBerkshire Hathaway HomeServices Commonwealth Real Estate

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