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20 Kittiwake Ln, Nantucket, MA, 02554

3beds
3baths
2,722sqft
$2,495,000
$917price/sqft
$15,613/moest. monthly cost
$624,520/yrincome needed

About This Home

Wonderful home with a detached garage on one of the largest lots in Naushop, an extremely rare offering in this sought after neighborhood. Properties with free-standing garages in Naushop are seldom available, making this a standout opportunity. Featuring three full floors of living space, this home delivers both versatility and comfort, perfect for four season living. Enjoy a private patio ideal for entertaining, along with beautifully maintained mature landscaping that enhances both privacy and curb appeal. Opportunities like this in Naushop are limited, don’t miss your chance to secure a spacious property with exceptional outdoor space and the rare advantage of a detached garage. Just steps from the neighborhood pool, pickle ball courts, tennis facilities, and playground. This home makes it easy to enjoy everything the neighborhood has to offer.

Getting Around

46
WalkingCar-Dependent
0
TransitVery Limited Transit
78
BikeVery Bikeable

Schools

--
6/10
5/10
Nantucket High SchoolGrades 9-121.5 mi

Construction

Condition

  • Year built: 1996

Materials

  • Foundation: Poured

Notable Dates

  • Major remodel year: 2019

Type & Style

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

Interior

Appliances

  • Appliances included: Stove: Yes,Washer: Yes

Basement

  • Has basement: Yes
  • Basement: Full unfinished. Painted epoxy floor. Potential to be converted into additional finished living space.

Bedrooms & Bathrooms

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

Features

  • AC,Ins,Irr,Floor 1: Open living room with fireplace,formal dining,kitchen,powder room,and laundry. French doors lead to a private patio area with mature landscaping.  Primary bedroom with en suite bath,ample closet space,cathedral ceiling,sitting area and access to the patio.,Floor 2: Two generous guest bedrooms with shared bath.,Floor 3: Finished third floor family room.
  • Flooring: Wide Pine/Tile
  • Fireplace features: 1

Heating

  • Heating features: GFHA

Interior Area

  • Total structure area: 2,722
  • Total interior livable area: 2,722 sqft

Property

Details

  • Parcel number: 631
  • Zoning: R5

Features

  • Exterior features: Deck,Patio,Porch,C/Pool,C/Tennis
  • Has view: Yes
  • View description: None
  • Frontage type: None

Lot

  • Lot size: 7,405 sqft
  • Features: Subject To Naushop Protective Covenants And Annual Homeowner's Fee.,Yes

Parking

  • Parking features: 4 Cars
  • Has garage: 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

  • Hurricane
    HurricaneRelatively High
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Hurricane
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 $12,616$151,392
Home Insurance *$1,785$21,420
Property Taxes $676$8,112
Electricity $536$6,441
Total$15,613$187,356
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$535,302/yr
40% on housing$468,390/yr
45% on housing$416,346/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: 15.0%
15.0%
0%30.0%
Electricity Growth Rate10-year average: 7.9%
7.9%
0%15.0%
Property Taxes Growth Rate2-year average: 29.1%
29.1%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$917This listing

vs Other Active Listings

Avg $/sqft

ZIP 02554$1,633
Nantucket County$1,633

vs Homes Sold Last Month

Median $/sqft

ZIP 02554—
Nantucket County$729

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
2026-05-02Listed for sale$2,675,000
2012-03-05Listing removed$875,000
2011-12-31Price change$875,000
2011-06-14Listed for sale$999,000
1998-01-26Sold$415,000
1996-11-14Sold$50,000

For Sale by Agent

AgentJ Pepper Frazier II
BrokerageJ Pepper Frazier Co.

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