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557 Fitchburg State Rd, Ashby, MA, 01431

5beds
3baths
4,116sqft
$649,900
$158price/sqft
$5,150/moest. monthly cost
$206,000/yrincome needed

About This Home

Spacious 5-bedroom, 3 bath home set on over 2 acres in Ashby! Enter through the welcoming front porch into the open kitchen featuring granite countertops, stainless steel appliances, and radiant floor heating that extends into the dining and great room. The first floor offers a flexible and functional layout with a dining room, large family room with cathedral ceilings, second living room/sitting area, playroom, office, laundry, and beautifully updated full bath with tiled shower. The second-floor features 4 bedrooms including a spacious primary suite with tiled shower and soaking tub, plus an additional full bath. Finished third floor offers a great bonus space for a private retreat, or potential bedroom with an oversized closet. Additional features include OWNED SOLAR PANELS, electric car charger in garage, large shed, and plenty of outdoor space to enjoy. Great combination of space, functionality, and modern updates! Schedule your showing today!

Getting Around

6
WalkingCar-Dependent
0
TransitVery Limited Transit
16
BikeSomewhat Bikeable

Schools

6/10
Ashby Elementary SchoolGrades K-42.6 mi
5/10

Construction

Condition

  • Year built: 1940

Materials

  • Foundation: Concrete Perimeter

Type & Style

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

Interior

Basement

  • Has basement: Yes
  • Basement: Full

Bathroom1

  • Level: First

Bathroom2

  • Level: Second

Bathroom3

  • Level: Second

Bedroom2

  • Level: Second

Bedroom3

  • Level: Second

Bedroom4

  • Level: Second

Bedroom5

  • Level: Third

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 3
  • Full bathrooms: 3

Dining Room

  • Level: First

Family Room

  • Level: First

Features

  • Finished area above ground: 4,116

Heating & Cooling

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

Interior Area

  • Total structure area: 4,116
  • Total interior livable area: 4,116 sqft

Kitchen

  • Level: First

Living Room

  • Level: First

Master Bathroom

  • Features: Yes

Master Bedroom

  • Level: Second

Property

Details

  • Parcel number: M:015.0 B:0024 L:0000.0,337586
  • Zoning: RA

Lot

  • Lot size: 2.23 Acres

Parking

  • Total spaces: 9
  • Parking features: Under,Paved Drive
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1
  • Has uncovered spaces: Yes
  • Uncovered spaces: 8

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 $3,286$39,432
Home Insurance *$224$2,688
Property Taxes $829$9,948
Electricity $811$9,739
Total$5,150$61,800
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$176,571/yr
40% on housing$154,500/yr
45% on housing$137,333/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

$158This listing

vs Other Active Listings

Avg $/sqft

ZIP 01431$208
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
2026-07-29Price change$649,900
2026-07-06Price change$675,000
2026-06-01Price change$699,900
2026-05-12Listed for sale$739,900
2016-10-28Sold$305,000
2016-09-23Pending sale$325,000
2016-08-20Price change$325,000
2016-06-17Price change$349,900
2016-05-02Price change$369,900
2016-03-15Listed for sale$379,900

For Sale by Agent

AgentGerard Breau
BrokerageProspective Realty INC

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