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32 Shelby St, Worcester, MA, 01605

4beds
2baths
1,385sqft
$275,000
$199price/sqft
$2,148/moest. monthly cost
$85,920/yrincome needed

About This Home

********Back on Market due to buyer unable to meet contractual obligations.....their loss is your gain....any and all deposits are due within 24 hours of signing contracts or the offer is void. All offers must have this verbiage in them******Attention Contractors, flippers, handy men/women or anyone looking fro sweat equity. This home needs cosmetic updates. There is a water stain on the ceiling. Plumbing was fixed ceiling was not. Roof is approximately 10 years old. Heating system 2 years old. Water heaters one year old. Electrical was updated approximately 3 years ago. Mass Save came in approximately a year ago and installed insulation where ever needed. House will not go FHA or VA. Use your imagination to bring this home back to life!

Getting Around

87
WalkingVery Walkable
56
TransitGood Transit
27
BikeSomewhat Bikeable

Schools

3/10
4/10
1/10
North High SchoolGrades 9-121.4 mi

Construction

Condition

  • Year built: 1890

Materials

  • Foundation: Other

Type & Style

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

Interior

Bedrooms & Bathrooms

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

Features

  • Flooring: Wood
  • Finished area above ground: 1,385

Heating & Cooling

  • Heating features: Steam
  • Cooling features: None

Interior Area

  • Total structure area: 1,385
  • Total interior livable area: 1,385 sqft

Master Bathroom

  • Features: No

Property

Details

  • Parcel number: M:01 B:032 L:00026,1762487
  • Zoning: RG-5

Features

  • On waterfront: Yes
  • Waterfront features: Waterfront

Lot

  • Lot size: 3,990 sqft
  • Features: Other

Parking

  • Total spaces: 2
  • Uncovered spaces: 2

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
  • Strong Wind
    Strong WindModerate

How This Home’s Risks Compare

Cold Wave
Hurricane
Ice Storm
Strong Wind

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 $1,390$16,680
Home Insurance *$106$1,272
Property Taxes $298$3,576
Electricity $354$4,259
Total$2,148$25,776
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$73,645/yr
40% on housing$64,440/yr
45% on housing$57,280/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

$199This listing

vs Other Active Listings

Avg $/sqft

ZIP 01605$229
Worcester County$265

vs Homes Sold Last Month

Median $/sqft

ZIP 01605$281
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)

No zestimate history available

Price History

DateEventPrice
2026-08-10Pending sale$275,000
2026-08-03Price change$275,000
2026-07-25Listed for sale$290,000
2026-06-09Pending sale$290,000
2026-06-04Listed for sale$290,000
1998-05-27Sold$59,900
1988-08-02Sold$84,900

For Sale by Agent

AgentSabrina Kelsey
BrokerageWachusett Real Estate

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