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109 Culley St, Fitchburg, MA, 01420

4beds
1baths
1,454sqft
$389,900
$268price/sqft
$2,920/moest. monthly cost
$116,800/yrincome needed

About This Home

Move in Ready! Beautifully renovated 4 Bedroom 1 Bathroom Single Family featuring hardwood floors throughout the main level, a sunlit living room, newly crafted kitchen with granite countertops, ample cabinet space, and stainless steel appliances. The first floor also includes a formal dining room, full bathroom, and a versatile bedroom, perfect for guests, and a second egress to the large deck overlooking the yard. Upstairs, you'll find additional three good sized bedrooms with refinished pine floors. Outside, enjoy plenty of yard space ideal for relaxing, entertaining, or gardening. Plenty off-street parking available. New roof and new gas furnace. View our video tour our stop by our Open House this weekend.

Getting Around

68
WalkingSomewhat Walkable
45
TransitSome Transit
46
BikeSomewhat Bikeable

Schools

3/10
McKay Elementary SchoolGrades 1-50.6 mi
3/10
2/10
Fitchburg High SchoolGrades 9-122.5 mi

Construction

Condition

  • Year built: 1910

Materials

  • Foundation: Stone,Other

Type & Style

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

Interior

Basement

  • Has basement: Yes
  • Basement: Full,Crawl Space,Unfinished

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 1
  • Full bathrooms: 1

Features

  • Flooring: Tile,Hardwood,Pine
  • Finished area above ground: 1,454

Heating & Cooling

  • Heating features: Forced Air,Natural Gas
  • Cooling features: None

Interior Area

  • Total structure area: 1,454
  • Total interior livable area: 1,454 sqft

Property

Details

  • Parcel number: M:0033 B:0026 L:0,1503265
  • Zoning: RB

Features

  • Patio & porch: Deck
  • Exterior features: Deck

Lot

  • Lot size: 5,654 sqft

Parking

  • Total spaces: 4
  • Parking features: Paved Drive,Off Street
  • 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

How This Home’s Risks Compare

Ice Storm

FEMA Declared Disasters Across Massachusetts Counties

Flood
Hurricane
Severe Storm

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 $1,971$23,652
Home Insurance *$158$1,896
Property Taxes $437$5,244
Electricity $354$4,259
Total$2,920$35,040
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$100,114/yr
40% on housing$87,600/yr
45% on housing$77,866/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: 7.8%
7.8%
0%30.0%
Electricity Growth Rate10-year average: 7.9%
7.9%
0%15.0%
Property Taxes Growth Rate2-year average: 1.3%
1.3%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$268This listing

vs Other Active Listings

Avg $/sqft

ZIP 01420$211
Worcester County$265

vs Homes Sold Last Month

Median $/sqft

ZIP 01420$263
Worcester County$281

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
2026-08-12Price change$379,900
2026-07-28Listed for sale$389,900
2025-11-05Sold$224,000
2018-07-27Sold$185,944
2017-06-21Listing removed$84,900
2017-06-08Pending sale$84,900
2017-05-30Sold$88,800
2017-05-04Price change$84,900
2017-03-24Listed for sale--
2011-07-02Listing removed$150,000
2011-05-14Price change$150,000
2011-03-18Listed for sale$160,000
2005-02-25Sold$207,000
2000-03-30Sold$86,000

For Sale by Agent

AgentRaquel Martinez
BrokerageMartinez Realty Group

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