54 Bray Rd, Chesterfield, MA, 01012
About This Home
Seller to contribute escrow up to $22,000 toward a new septic/tight tank (buyers choice). Loved by the same family for generations, this year-round Lake Damond waterfront property is ready for its next chapter. Offering 125 feet of lake frontage, this 4 bedroom, one bath home is tucked into a wooded setting for privacy while still providing plenty of open, sunny space to enjoy the water. The main level features an open living, dining, kitchen area w/ a bank of windows overlooking the lake, access to the expansive deck, 2 first floor bedrooms, a 1st floor bath w/ shower, and workshop/utility/storage room. Upstairs are 2 additional bedrooms. Outdoor features include swimming, non-motorized boating, dock, 3 outbuildings, and access to the association’s private beach and play ground. Improvements include a metal roof, Well, replacement windows, and fuel oil tank. Property is being sold furnished & strictly AS IS, WHERE IS. Septic is operational but its assumed the system will need replacement.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 1960
Materials
- Foundation: Concrete Perimeter,Other
- Roof: Metal
- Construction materials: Frame
Type & Style
- Home type: SingleFamily
- Architectural style: Cottage,Bungalow
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Electric Water Heater,Range,Refrigerator
Basement
- Has basement: Yes
- Basement: Partial
Bathroom1
- Features: Bathroom - 3/4, Bathroom - With Shower Stall, Lighting - Sconce, Lighting - Overhead
- Level: First
Bedroom2
- Level: First
Bedroom3
- Level: Second
Bedroom4
- Level: Second
Bedrooms & Bathrooms
- Bedrooms: 4
- Bathrooms: 1
- Full bathrooms: 1
Features
- Finished area above ground: 945
Heating & Cooling
- Heating features: Forced Air,Oil,Wood Stove
- Cooling features: Window Unit(s)
Interior Area
- Total structure area: 945
- Total interior livable area: 945 sqft
Kitchen
- Features: Dining Area, Open Floorplan, Lighting - Overhead
- Level: First
Living Room
- Features: Wood / Coal / Pellet Stove, Ceiling Fan(s), Closet, Deck - Exterior, Exterior Access, Open Floorplan, Lighting - Overhead
- Level: First
Master Bedroom
- Level: First
Property
Details
- Parcel number: M:10C P:0008,3413248
- Zoning: all pa
Features
- Patio & porch: Deck
- Exterior features: Deck
- Has view: Yes
- View description: Scenic View(s),Water,Lake
- Has water view: Yes
- Water view: Lake,Water
- On waterfront: Yes
- Waterfront features: Waterfront,Lake,Dock/Mooring,Frontage,Direct Access,Private,Lake/Pond,Walk to,0 to 1/10 Mile To Beach,Beach Ownership(Private,Association)
- Frontage length: 180.00
Lot
- Lot size: 0.66 Acres
- Features: Wooded,Level
Parking
- Total spaces: 6
- Parking features: Off Street
- 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
- Cold Wave
- Inland Flooding
- Ice Storm
- Lightning
- Strong Wind
How This Home’s Risks Compare
FEMA Declared Disasters Across Massachusetts Counties
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $1,261 | $15,132 |
| Home Insurance * | $129 | $1,548 |
| Property Taxes | $325 | $3,900 |
| Electricity | $354 | $4,259 |
| Total | $2,069 | $24,828 |
Income You'd Need if You Spent...
Massachusetts FAIR Plan Programs
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-07-30 | Price change | $249,500 |
| 2026-05-29 | Listed for sale | $250,000 |
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