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

686 Scott Rd, Fitchburg, MA, 01420

4beds
3baths
2,220sqft
$589,000
$265price/sqft
$4,314/moest. monthly cost
$172,560/yrincome needed

About This Home

Updated 4-bedroom, 2.5-bath Colonial with a 2-car garage and 4-stall barn on 5.6 acres along a scenic dead-end road. The stunning new kitchen features quartz countertops, new cabinetry, and stainless steel appliances. The main level offers formal living and dining rooms with hardwood floors, a cozy den with fireplace and slider to the oversized deck, plus a mudroom, first-floor laundry, and half bath. Upstairs you'll find a spacious primary bedroom, three additional bedrooms, and a full bath. The lower level includes a ¾ bath and plenty of storage. Outside, the barn is equipped with electricity, water, 4 stalls, tack room, wood chip stall, paddock, and second-floor hay loft, offering excellent potential for equestrian or hobby farm use. Additional updates include a heating system (2014), generator hookup, new roof (2019), and new garage doors (2019). A rare opportunity combining modern updates, acreage, and versatile outbuildings. Located next to Scott Road, the 150 acre Crocker Conservation area offers a gateway to 2,500 acres of protected land, abutting the Audubon Flat Rock Wildlife Sanctuary and over 2,000 acres of watershed land owned by the City of Fitchburg.

Getting Around

4
WalkingCar-Dependent
0
TransitNo Nearby Transit
7
BikeSomewhat Bikeable

Schools

3/10
4/10
Memorial Middle SchoolGrades 6-82.6 mi
2/10
Fitchburg High SchoolGrades 9-121.6 mi

Construction

Condition

  • Year built: 1985

Materials

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

Type & Style

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

Interior

Appliances

  • Appliances included: Tankless Water Heater,Range,Dishwasher,Refrigerator,Washer,Dryer
  • Laundry features: Flooring - Stone/Ceramic Tile,First Floor

Basement

  • Has basement: Yes
  • Basement: Full,Partially Finished,Bulkhead,Concrete

Bathroom1

  • Features: Bathroom - Half, Skylight, Flooring - Stone/Ceramic Tile
  • Level: First

Bathroom2

  • Features: Bathroom - Full, Bathroom - With Tub & Shower, Flooring - Laminate, Remodeled
  • Level: Second

Bathroom3

  • Features: Bathroom - 3/4, Bathroom - With Shower Stall, Flooring - Vinyl
  • Level: Basement

Bedroom2

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

Bedroom3

  • Features: Ceiling Fan(s), Flooring - Wall to Wall Carpet
  • Level: Second

Bedroom4

  • Features: Ceiling Fan(s), Flooring - Wall to Wall Carpet
  • Level: Second

Bedrooms & Bathrooms

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

Dining Room

  • Features: Flooring - Hardwood
  • Level: First

Features

  • Ceiling Fan(s),Slider,Closet,Vaulted Ceiling(s),Den,Foyer,Mud Room
  • Window features: Skylight,Screens
  • Flooring: Flooring - Wall to Wall Carpet,Flooring - Hardwood,Flooring - Stone/Ceramic Tile
  • Number of fireplaces: 1
  • Fireplace: Yes
  • Finished area above ground: 2,220

Heating & Cooling

  • Heating features: Baseboard,Oil,Fireplace(s)
  • Cooling features: None

Interior Area

  • Total structure area: 2,220
  • Total interior livable area: 2,220 sqft

Kitchen

  • Features: Flooring - Laminate, Countertops - Stone/Granite/Solid, Cabinets - Upgraded, Recessed Lighting, Remodeled, Stainless Steel Appliances
  • Level: First

Living Room

  • Features: Flooring - Hardwood
  • Level: First

Master Bathroom

  • Features: No

Master Bedroom

  • Features: Ceiling Fan(s), Flooring - Wall to Wall Carpet, Closet - Double
  • Level: Second

Property

Details

  • Parcel number: M:078R B:0047 L:0,1512485
  • Zoning: RR
  • Foundation area: 990
  • Horse amenities: Paddocks

Features

  • Patio & porch: Deck - Exterior,Porch,Deck
  • Exterior features: Porch,Deck,Barn/Stable,Paddock,Screens,Horses Permitted
  • Horses can be raised: Yes

Lot

  • Lot size: 5.60 Acres
  • Features: Wooded,Level

Parking

  • Total spaces: 10
  • Parking features: Attached,Garage Door Opener,Storage,Garage Faces Side,Off Street,Unpaved
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • Has uncovered spaces: Yes
  • Uncovered spaces: 8

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

  • Cold Wave
    Cold WaveModerate
  • Hurricane
    HurricaneModerate
  • Ice Storm
    Ice StormModerate

How This Home’s Risks Compare

Cold Wave
Hurricane
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 $2,978$35,736
Home Insurance *$239$2,868
Property Taxes $660$7,920
Electricity $437$5,253
Total$4,314$51,768
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$147,908/yr
40% on housing$129,420/yr
45% on housing$115,040/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

$265This 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
2026-07-24Listed for sale$589,000
2019-10-23Listing removed$329,000
2019-10-16Listed for sale$329,000

For Sale by Agent

AgentLana Kopsala
BrokerageColdwell Banker Realty - Leominster

Similar Homes