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42 Ernest Ave, Worcester, MA, 01604

4beds
3baths
2,769sqft
$521,500
$188price/sqft
$3,983/moest. monthly cost
$159,320/yrincome needed

About This Home

PRICE DROP! Open House today 1 to 2:30 PM at 42 Ernest Avenue in Worcester. Oversized 1935 Cape with 4 bedrooms, 3 baths, and nearly 2,800 square feet. Private master suite, mostly finished basement, big deck, and parking for 5+ cars. Major systems updated before 2019. See you there!

Getting Around

41
WalkingCar-Dependent
31
TransitSome Transit
42
BikeSomewhat Bikeable

Schools

7/10
Lake View SchoolGrades K-61.0 mi
4/10
1/10
North High SchoolGrades 9-120.4 mi

Construction

Condition

  • Year built: 1935

Materials

  • Foundation: Irregular

Type & Style

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

Interior

Appliances

  • Appliances included: Electric Water Heater

Basement

  • Has basement: Yes
  • Basement: Partially Finished

Bedrooms & Bathrooms

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

Features

  • Flooring: Hardwood
  • Finished area below ground: 700
  • Finished area above ground: 2,069

Heating & Cooling

  • Heating features: Baseboard,Oil
  • Cooling features: Wall Unit(s)

Interior Area

  • Total structure area: 2,769
  • Total interior livable area: 2,769 sqft

Master Bathroom

  • Features: Yes

Property

Details

  • Parcel number: M:38 B:009 L:00019,1796472
  • Zoning: RL-7

Features

  • Patio & porch: Porch,Deck,Deck - Wood
  • Exterior features: Porch,Deck,Deck - Wood,Storage
  • Waterfront features: Lake/Pond,1 to 2 Mile To Beach,Beach Ownership(Public)

Lot

  • Lot size: 7,000 sqft

Parking

  • Total spaces: 5
  • Parking features: Paved Drive,Paved
  • Has uncovered spaces: Yes
  • Uncovered spaces: 5

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
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate

How This Home’s Risks Compare

Cold Wave
Hurricane
Ice Storm
Lightning
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 $2,636$31,632
Home Insurance *$235$2,820
Property Taxes $566$6,792
Electricity $546$6,552
Total$3,983$47,796
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$136,560/yr
40% on housing$119,490/yr
45% on housing$106,213/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

$188This listing

vs Other Active Listings

Avg $/sqft

ZIP 01604$227
Worcester County$265

vs Homes Sold Last Month

Median $/sqft

ZIP 01604$289
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
2026-08-02Price change$521,500
2026-07-14Price change$533,500
2026-07-11Price change$538,750
2026-05-18Listed for sale$545,000
2019-07-19Sold$307,000
2015-12-29Sold$254,000
2015-10-07Pending sale$262,500
2015-08-26Price change$262,500
2015-07-16Price change$264,900
2015-06-06Price change$279,900
2015-05-15Price change$284,900
2015-04-26Listed for sale$289,900
2010-06-25Sold$225,000
2010-04-10Price change$225,000
2010-03-23Price change$229,900
2010-02-04Price change$239,900
2009-12-05Price change$249,900
2009-11-27Listed for sale$259,900
2009-08-03Sold$135,000
2008-03-25Sold$209,900
2000-11-22Sold$148,000
2000-02-25Sold$114,000

For Sale by Agent

AgentVu Huynh
BrokerageGeorge Russell Realty, LLC

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