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91 Deer Bay Rd, Ashby, MA, 01431

2beds
2baths
1,248sqft
$380,000
$304price/sqft
$2,884/moest. monthly cost
$115,360/yrincome needed

About This Home

Buyers backed out before home inspection. Their loss in your gain! Welcome to this stylishly updated home on a full acre across from the Ashby Reservoir. Inside, enjoy modern touches like vinyl plank flooring, beamed ceiling and an open layout perfect for everyday living. The dining area is highlighted by a large bay window, the living room features a cozy pellet stove & opens to an expansive new deck. The kitchen boasts SS appliances and recessed lighting. A full bath with barn door accents and jacuzzi tub completes the main level. Upstairs offers a spacious main suite with walk-in closet, spa-like tiled bath, and a private balcony, plus a second bedroom and versatile bonus room. Outside features oversized decks, a storage shed, ample parking, and a brand new septic system. Newer metal roof too! A separate shared and deeded parcel of waterfront land allows for enjoying a lifestyle of fishing, hiking, and kayaking yet be just minutes from shopping and major commuter routes.

Getting Around

3
WalkingCar-Dependent
0
TransitVery Limited Transit
4
BikeSomewhat Bikeable

Schools

6/10
Ashby Elementary SchoolGrades K-41.6 mi
5/10

Construction

Condition

  • Year built: 1977

Materials

  • Foundation: Concrete Perimeter
  • Roof: Metal
  • Construction materials: Frame

Type & Style

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

Interior

Appliances

  • Appliances included: Range,Dishwasher,Refrigerator
  • Laundry features: Washer Hookup

Bathroom1

  • Features: Bathroom - Full, Bathroom - With Tub & Shower, Closet - Linen, Flooring - Stone/Ceramic Tile, Jacuzzi / Whirlpool Soaking Tub, Dryer Hookup - Electric, Washer Hookup
  • Level: First
  • Area: 130

Bathroom2

  • Features: Bathroom - 3/4, Bathroom - Tiled With Shower Stall
  • Level: Second
  • Area: 50

Bedroom2

  • Features: Closet, Flooring - Wall to Wall Carpet
  • Level: Second
  • Area: 80

Bedrooms & Bathrooms

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

Dining Room

  • Features: Flooring - Vinyl, Window(s) - Bay/Bow/Box
  • Level: First
  • Area: 168

Features

  • Bonus Room
  • Flooring: Tile,Vinyl,Carpet,Hardwood,Flooring - Wall to Wall Carpet
  • Number of fireplaces: 1
  • Fireplace: Yes
  • Finished area above ground: 1,248

Heating & Cooling

  • Heating features: Pellet Stove
  • Cooling features: None

Interior Area

  • Total structure area: 1,248
  • Total interior livable area: 1,248 sqft

Kitchen

  • Features: Flooring - Vinyl, Dining Area, Exterior Access, Recessed Lighting, Stainless Steel Appliances
  • Level: First
  • Area: 110

Living Room

  • Features: Wood / Coal / Pellet Stove, Beamed Ceilings, Flooring - Vinyl, Deck - Exterior
  • Level: First
  • Area: 221

Master Bedroom

  • Features: Bathroom - 3/4, Walk-In Closet(s), Flooring - Hardwood, Balcony - Exterior
  • Level: Second
  • Area: 528

Property

Details

  • Parcel number: M:012.0 B:0118 L:0011.0,337408
  • Zoning: RA

Features

  • Patio & porch: Deck - Wood
  • Exterior features: Deck - Wood,Balcony,Storage
  • Has view: Yes
  • View description: Water
  • Has water view: Yes
  • Water view: Water

Lot

  • Lot size: 1 Acres
  • Features: Wooded,Sloped

Parking

  • Total spaces: 4
  • Parking features: Off Street,Unpaved
  • Has uncovered spaces: Yes
  • Uncovered spaces: 4

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

  • Ice Storm
    Ice StormModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Ice Storm
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 $1,921$23,052
Home Insurance *$130$1,560
Property Taxes $479$5,748
Electricity $354$4,259
Total$2,884$34,608
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$98,880/yr
40% on housing$86,520/yr
45% on housing$76,906/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: 7.6%
7.6%
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

$304This listing

vs Other Active Listings

Avg $/sqft

ZIP 01431$204
Middlesex County$437

vs Homes Sold Last Month

Median $/sqft

ZIP 01431$241
Middlesex County$413

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
2026-06-22Listed for sale$380,000
2026-06-17Contingent$380,000
2026-06-03Listed for sale$380,000
2025-12-01Listing removed$399,000
2025-10-23Price change$399,000
2025-06-18Price change$419,000
2025-06-12Listed for sale$429,000
2025-06-05Contingent$429,000
2025-05-29Listed for sale$429,000
2008-08-21Sold$175,000
2008-06-19Listed for sale$175,000
2004-05-28Sold$100,000

For Sale by Agent

AgentEdwin Ahearn
BrokerageLamacchia Realty, Inc.

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