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44 Tiffany Dr, Oak Bluffs, MA, 02557

4beds
5baths
4,023sqft
$2,800,000
$696price/sqft
$18,141/moest. monthly cost
$725,640/yrincome needed

About This Home

Tucked away in a serene setting and set on 1.38 private acres, this beautifully renovated 4BR/4.5BA Cape offers over 4,000 sq. ft. of living space with plenty of room for a backyard pool. The main portion of the house includes a gourmet kitchen, multiple entertaining areas including living room, family room, game room, a screened porch, ensuite bedroom and powder room. An attached one-bedroom guest apartment above the garage includes new kitchen, bedroom, living room, washer/dryer and mini-split heat/AC. Recent improvements outlined in the documents section. It's seamless floor plan is great for entertaining and flows family and guests from an oversized living room with fireplace to the dining room, gourmet kitchen and an inviting family room with cathedral ceiling and propane stove. The 2nd floor includes two large bedrooms (one ensuite), a second full bathroom and new washer/dryer. To the side of the garage is a large separate bonus/variable use room with heat/AC that could be used as an office or game/family room. Property includes a spacious rear patio and deck with access off both the kitchen and screened in porch, as well as an outdoor shower and parking for several cars in the driveway. The lot is large enough in this R3 zone for an in-ground pool. Seller will escrow $50K at closing towards a pool depending on the offer. Assessed value does not reflect extensive 2026 renovations. Title V septic passed inspection 5/12/25 and in-ground propane tank pressured tested in 2025.

Getting Around

1
WalkingCar-Dependent
0
TransitVery Limited Transit
25
BikeSomewhat Bikeable

Schools

Construction

Condition

  • Year built: 1987

Materials

  • Foundation: Poured concrete

Notable Dates

  • Major remodel year: 2026

Type & Style

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

Interior

Appliances

  • Appliances included: Stove: New (Bosch in main house and attached apt),Washer: New (Electrolux in main house and LG in attached apt)

Basement

  • Has basement: Yes
  • Basement: Full unfinished basement has bulkhead access.

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 5
  • Full bathrooms: 4
  • 1/2 bathrooms: 1
  • Main level bedrooms: 1

Features

  • AC,Ins,MiniSplit,OSh,Floor 1: Living room,dining room,kitchen,family room,ensuite bedroom with walk-in closet,office/game room with separate entrance.,Floor 2: Large ensuite bedroom,a third bedroom,full bathroom and washer/dryer.
  • Flooring: 2
  • Fireplace features: 1 Rumford fireplace in LR and a propane stove in family room

Heating

  • Heating features: GFHA

Interior Area

  • Total structure area: 4,023
  • Total interior livable area: 4,023 sqft

Property

Details

  • Parcel number: 11
  • Zoning: R3

Features

  • Exterior features: Deck,Patio,ScrPorch
  • Has view: Yes
  • View description: None,Trees/Woods
  • Frontage type: None

Lot

  • Lot size: 1.38 Acres
  • Features: Landscaped and wooded

Parking

  • Parking features: Ample parking area in front of 2-car garage
  • 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
  • Inland Flooding
    Inland FloodingRelatively High
  • Coastal Flooding
    Coastal FloodingModerate
  • Lightning
    LightningModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Hurricane
Inland Flooding
Coastal Flooding
Lightning
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 $14,158$169,896
Home Insurance *$2,029$24,348
Property Taxes $1,161$13,932
Electricity $793$9,519
Total$18,141$217,692
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$621,977/yr
40% on housing$544,230/yr
45% on housing$483,760/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: 8.7%
8.7%
0%30.0%
Electricity Growth Rate10-year average: 7.9%
7.9%
0%15.0%
Property Taxes Growth Rate2-year average: 2.7%
2.7%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$696This listing

vs Other Active Listings

Avg $/sqft

ZIP 02557$744
Dukes County$1,034

vs Homes Sold Last Month

Median $/sqft

ZIP 02557$765
Dukes County$616

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
2026-07-21Price change$2,800,000
2026-07-03Price change$2,900,000
2026-06-05Price change$3,095,000
2026-05-15Listed for sale$3,245,000
2026-01-06Sold$1,600,000
2025-11-28Pending sale$1,600,000
2025-10-31Contingent$1,600,000
2025-10-31Pending sale$1,600,000
2025-10-17Price change$1,600,000
2025-09-29Price change$1,725,000
2025-08-12Price change$1,825,000
2025-07-23Price change$1,925,000
2025-07-03Listed for sale$2,095,000

For Sale by Agent

AgentPerry Patterson
BrokerageMV Luxury Homes

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