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27 Shaw St, Lowell, MA, 01851

7beds
2baths
3,064sqft
$650,000
$212price/sqft
$4,725/moest. monthly cost
$189,000/yrincome needed

About This Home

Spacious two-family home in the desirable Highlands neighborhood, offering excellent flexibility for owners or investors. The first-floor unit features 3 bedrooms, a spacious kitchen, and a large living room. The second unit spans two levels and includes 4 bedrooms, a bonus room ideal for an office or guest space, a large eat-in kitchen, and a welcoming living room. Conveniently located near shopping, the T-station, and the Lowell Connector, providing easy access to Route 495 and Route 3. A great opportunity in a prime commuter-friendly location. The first floor unit will be delivered vacant at closing. Property has leased solar panels that help reduce the energy costs.

Getting Around

87
WalkingVery Walkable
59
TransitGood Transit
52
BikeBikeable

Schools

6/10
4/10
Lowell High SchoolGrades 9-121.2 mi

Construction

Condition

  • Year built: 1900

Materials

  • Foundation: Stone
  • Roof: Shingle
  • Construction materials: Frame

Type & Style

  • Home type: MultiFamily
  • Property subType: Multi Family

Interior

Basement

  • Has basement: Yes
  • Basement: Full,Dirt Floor,Unfinished

Bedrooms & Bathrooms

  • Bedrooms: 7
  • Bathrooms: 2
  • Full bathrooms: 2

Features

  • Living Room,Kitchen
  • Flooring: Vinyl
  • Finished area below ground: 0
  • Finished area above ground: 3,064

Interior Area

  • Total structure area: 3,064
  • Total interior livable area: 3,064 sqft

Property

Details

  • Parcel number: M:123 B:5305 L:27,3183738
  • Zoning: USF

Lot

  • Lot size: 3,485 sqft
  • Features: Gentle Sloping

Parking

  • Parking features: Open
  • Has uncovered spaces: Yes

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 $3,286$39,432
Home Insurance *$233$2,796
Property Taxes $602$7,224
Electricity $604$7,250
Total$4,725$56,700
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$162,000/yr
40% on housing$141,750/yr
45% on housing$126,000/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

$212This listing

vs Other Active Listings

Avg $/sqft

ZIP 01851$273
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
2026-05-04Price change$675,000
2026-04-22Listed for sale$705,000
2010-06-28Sold$173,250
2010-05-26Listed for sale$97,900
2009-04-17Listing removed$98,500
2009-03-29Listed for sale$98,500
2008-11-18Sold$223,975
1998-10-13Sold$73,500
1995-11-07Sold$38,000

For Sale by Agent

AgentTeam Correia
BrokerageKeller Williams Realty - Merrimack

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