See other homes in:
Primary listing photo
Listing photo 2
Listing photo 3
Listing photo 4
Listing photo 5

103 Sarno Ln, Tewksbury, MA, 01876

4beds
3baths
2,325sqft
$699,900
$301price/sqft
$4,928/moest. monthly cost
$197,120/yrincome needed

About This Home

Immaculate 4 bedroom, 2.5 bath split-entry Gambrel featuring a private lower-level 1 bedroom, 1 bath family suite with its own direct access from the driveway, allowing convenient no-stair entry. Perfect for multi-generational living, the lower level can also function as a family room with kitchen for entertaining, while the bedroom makes an ideal home office. The first floor kitchen offers an island with seating for two, stainless steel appliances, gas cooking, and a pantry closet. It opens to the dining room with hardwood floors and chair rail. The spacious front-to-back living room features a slider leading to an oversized maintenance-free deck overlooking the flat, spacious backyard. A recently renovated half bath with custom cabinetry, shiplap accents, custom-built pantry, and a washer/dryer combo completes the main level. Upstairs are three spacious bedrooms. The primary bedroom features direct access to the full bath and two large closets. Two additional bedrooms offer hardwood flooring. The 3/4 bath includes a glass-enclosed shower with niche and built-in soap dispensers. Added in 2022, the lower-level family suite offers exceptional flexibility. The kitchen features new cabinetry with under-cabinet lighting, pull-out drawers, quartz countertops, stainless steel appliances, and recessed lighting. It opens to a spacious living area with room for dining. The updated 3/4 bath includes a glass-enclosed shower and modern vanity. The bedroom offers a deep double-wide closet, and an unfinished room provides additional storage. With its versatile layout and private lower-level suite, this home offers flexibility that's hard to find. Come see all it has to offer. Notable updates: forced hot air gas heating/cooling system and hot water tank installed in 2020. DIRECTIONS: Sarno Lane is located off Greenhalge Rd so if you are using a GPS use Greenhalge and you will see Sarno Ln on your left.

Getting Around

37
WalkingCar-Dependent
0
TransitVery Limited Transit
36
BikeSomewhat Bikeable

Schools

8/10
8/10

Construction

Condition

  • Property condition: Remodeled
  • Year built: 2000

Materials

  • Foundation: Concrete Perimeter

Type & Style

  • Home type: SingleFamily
  • Architectural style: Colonial,Split Entry
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Gas Water Heater,Water Heater,Range,Dishwasher,Disposal,Microwave,Refrigerator,Washer/Dryer,Stainless Steel Appliance(s)
  • Laundry features: Electric Dryer Hookup,Washer Hookup,First Floor

Basement

  • Has basement: Yes
  • Basement: Partially Finished

Bathroom1

  • Features: Closet/Cabinets - Custom Built, Flooring - Vinyl, Pedestal Sink, Decorative Molding, Pocket Door
  • Level: First

Bathroom2

  • Features: Bathroom - 3/4, Bathroom - With Shower Stall, Flooring - Laminate
  • Level: Second

Bedroom2

  • Features: Flooring - Hardwood
  • Level: Second

Bedroom3

  • Features: Flooring - Hardwood
  • Level: Second

Bedroom4

  • Features: Flooring - Vinyl
  • Level: Basement

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 2
  • 1/2 bathrooms: 1

Dining Room

  • Features: Flooring - Hardwood, Chair Rail
  • Level: First

Features

  • Bathroom - 3/4,Bathroom - With Shower Stall,Countertops - Stone/Granite/Solid,Recessed Lighting,Accessory Apt.,Bathroom,Kitchen,Living/Dining Rm Combo,Bedroom
  • Flooring: Flooring - Vinyl
  • Finished area below ground: 625
  • Finished area above ground: 1,700

Heating & Cooling

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

Interior Area

  • Total structure area: 2,325
  • Total interior livable area: 2,325 sqft

Kitchen

  • Features: Ceiling Fan(s), Flooring - Laminate, Pantry, Kitchen Island, Exterior Access, Stainless Steel Appliances
  • Level: First

Living Room

  • Features: Flooring - Hardwood, Deck - Exterior, Exterior Access, Slider
  • Level: First

Master Bedroom

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

Property

Details

  • Parcel number: M:0082 L:0144 U:0000,795061
  • Zoning: RG

Features

  • Patio & porch: Deck - Composite
  • Exterior features: Deck - Composite,Storage,Sprinkler System
  • Fencing: Fenced/Enclosed

Lot

  • Lot size: 6,750 sqft
  • Features: Easements,Level

Parking

  • Total spaces: 4
  • Parking features: 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 FloodingModerate
  • 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 $3,539$42,468
Home Insurance *$162$1,944
Property Taxes $769$9,228
Electricity $458$5,501
Total$4,928$59,136
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$168,960/yr
40% on housing$147,840/yr
45% on housing$131,413/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

$301This listing

vs Other Active Listings

Avg $/sqft

ZIP 01876$321
Middlesex County$437

vs Homes Sold Last Month

Median $/sqft

ZIP 01876$371
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)

No zestimate history available

Price History

DateEventPrice
2026-08-18Pending sale$699,900
2026-08-05Contingent$699,900
2026-07-30Listed for sale$699,900
2026-07-14Listing removed$799,000
2026-06-29Price change$799,000
2026-06-25Listed for sale$839,000
2003-10-30Sold$361,700
2000-12-29Sold$289,900
2000-04-05Sold$80,000

For Sale by Agent

AgentJeffrey Borstell
BrokerageJ. Borstell Real Estate, Inc.

Similar Homes