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118 River Rd, Merrimac, MA, 01860

3beds
2baths
1,937sqft
$765,000
$395price/sqft
$5,338/moest. monthly cost
$213,520/yrincome needed

About This Home

Wonderful opportunity to own a beautifully renovated 3BR/2BA Greek Revival in highly sought-after Merrimacport! Blending timeless charm with modern farmhouse aesthetics, this light-filled home offers a front-to-back living room with fireplace, wide open flow, and freshly refinished hardwood floors. The updated kitchen features quality appliances, custom details, and space to gather. A dedicated first-floor home office adds flexibility for today’s lifestyle. Upstairs, a spacious landing provides the perfect bonus area for a reading nook or playroom. Every detail has been thoughtfully updated, preserving the character while adding comfort and style. Enjoy outdoor living with your babbling brook. For boat lovers, a mooring on the Merrimack River is included. All this just moments to I-495, under 15 minutes to downtown Newburyport, and in a commuter-friendly location that feels like a hidden gem. Move right in and start enjoying life

Getting Around

9
WalkingCar-Dependent
0
TransitVery Limited Transit
27
BikeSomewhat Bikeable

Schools

6/10
Helen R Donaghue SchoolGrades 3-61.1 mi

Construction

Condition

  • Year built: 1805

Materials

  • Foundation: Stone,Brick/Mortar
  • Roof: Shingle
  • Construction materials: Frame

Type & Style

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

Interior

Appliances

  • Appliances included: Gas Water Heater,Range,Dishwasher,Disposal,Microwave,Refrigerator,Washer,Dryer
  • Laundry features: Second Floor,Washer Hookup

Basement

  • Has basement: Yes
  • Basement: Full,Sump Pump,Unfinished

Bathroom1

  • Level: First
  • Area: 44

Bathroom2

  • Level: Second
  • Area: 84.972222222

Bedroom2

  • Level: Second
  • Area: 144.194444444

Bedroom3

  • Level: Second
  • Area: 144.194444444

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 2

Dining Room

  • Level: First
  • Area: 117.444444444

Features

  • Office,Foyer
  • Door features: Insulated Doors
  • Window features: Insulated Windows,Screens
  • Flooring: Wood
  • Number of fireplaces: 1
  • Fireplace: Yes
  • Finished area above ground: 1,937

Heating & Cooling

  • Heating features: Baseboard,Natural Gas
  • Cooling features: Window Unit(s)

Interior Area

  • Total structure area: 1,937
  • Total interior livable area: 1,937 sqft

Kitchen

  • Level: First
  • Area: 110.1875

Living Room

  • Level: First
  • Area: 301.909722222

Master Bathroom

  • Features: Yes

Master Bedroom

  • Level: Second
  • Area: 231.083333333

Office

  • Level: First
  • Area: 103.541666666

Property

Details

  • Parcel number: M:0035 B:0003 L:00001,2032959
  • Zoning: SR

Features

  • Patio & porch: Deck - Composite
  • Exterior features: Deck - Composite,Rain Gutters,Storage,Screens

Lot

  • Lot size: 0.31 Acres
  • Features: Corner Lot,Level

Parking

  • Total spaces: 6
  • Parking features: Paved Drive,Deeded
  • Has uncovered spaces: Yes
  • Uncovered spaces: 6

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

  • Coastal Flooding
    Coastal FloodingModerate
  • Drought
    DroughtModerate
  • Hurricane
    HurricaneModerate
  • Inland Flooding
    Inland FloodingModerate
  • Ice Storm
    Ice StormModerate
  • Lightning
    LightningModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Coastal Flooding
Drought
Hurricane
Inland Flooding
Ice Storm
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 $3,868$46,416
Home Insurance *$245$2,940
Property Taxes $844$10,128
Electricity $381$4,583
Total$5,338$64,056
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$183,017/yr
40% on housing$160,140/yr
45% on housing$142,346/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: 8.2%
8.2%
0%30.0%
Electricity Growth Rate10-year average: 7.9%
7.9%
0%15.0%
Property Taxes Growth Rate2-year average: -0.5%
-0.5%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$395This listing

vs Other Active Listings

Avg $/sqft

ZIP 01860$333
Essex County$385

vs Homes Sold Last Month

Median $/sqft

ZIP 01860$376
Essex County$387

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
2026-08-10Price change$749,000
2026-06-16Listed for sale$765,000
2025-06-17Sold$735,000
2025-05-10Contingent$699,000
2025-05-06Listed for sale$699,000
2005-01-14Sold$360,000

For Sale by Agent

AgentChristian Smith
BrokerageKeller Williams Realty Evolution

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