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40 Cape Cod Ln, Milton, MA, 02186

4beds
3baths
1,907sqft
$1,185,000
$621price/sqft
$7,728/moest. monthly cost
$309,120/yrincome needed

About This Home

Nestled on one of Milton’s most picturesque streets, this classic center-entrance Colonial offers the perfect blend of timeless charm, exceptional space, and an unbeatable location. Just a short stroll to Glover Elementary School, the Milton Public Library, and all the amenities that make Milton such a special place to consider home, this property delivers both convenience and community. Lovingly maintained by its original owner, this four-bedroom home reflects pride of ownership throughout. Generous living spaces include a rarely available first-floor family room, providing the flexibility and comfort today’s buyers seek. The well-designed floor plan offers plenty of room for everyday living and entertaining, while the two-car garage adds valuable convenience. A wonderful opportunity to own a cherished home in one of Milton’s most sought-after neighborhoods, where classic Colonial architecture, an outstanding location, and years of meticulous care come together beautifully.

Getting Around

17
WalkingCar-Dependent
37
TransitSome Transit
58
BikeBikeable

Schools

9/10
Glover Elementary SchoolGrades K-50.2 mi
8/10
10/10
Milton High SchoolGrades 9-120.7 mi

Construction

Condition

  • Year built: 1962

Materials

  • Foundation: Concrete Perimeter
  • Roof: Shingle
  • Construction materials: Frame,Brick,Conventional (2x4-2x6)

Type & Style

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

Interior

Appliances

  • Appliances included: Gas Water Heater,Range,Oven,Dishwasher,Refrigerator,Freezer,Washer,Dryer
  • Laundry features: In Basement

Basement

  • Has basement: Yes
  • Basement: Garage Access,Concrete,Unfinished

Bathroom1

  • Features: Bathroom - Half
  • Level: First

Bathroom2

  • Features: Bathroom - Full
  • Level: Second

Bathroom3

  • Features: Bathroom - Half
  • Level: Basement

Bedroom2

  • Features: Closet, Flooring - Hardwood
  • Level: Second

Bedroom3

  • Features: Closet, Flooring - Hardwood
  • Level: Second

Bedroom4

  • Features: Closet, Flooring - Hardwood
  • Level: Second

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 1
  • 1/2 bathrooms: 2

Dining Room

  • Features: Flooring - Hardwood
  • Level: First

Family Room

  • Features: Flooring - Hardwood
  • Level: First

Features

  • Door features: Insulated Doors,Storm Door(s)
  • Window features: Storm Window(s)
  • Flooring: Tile,Hardwood
  • Number of fireplaces: 1
  • Fireplace features: Living Room
  • Fireplace: Yes
  • Finished area above ground: 1,907

Heating & Cooling

  • Heating features: Baseboard,Natural Gas
  • Cooling features: Central Air

Interior Area

  • Total structure area: 1,907
  • Total interior livable area: 1,907 sqft

Kitchen

  • Features: Bathroom - Half, Ceiling Fan(s), Closet/Cabinets - Custom Built, Flooring - Vinyl
  • Level: First

Living Room

  • Features: Flooring - Hardwood
  • Level: First

Master Bathroom

  • Features: No

Master Bedroom

  • Features: Closet, Flooring - Hardwood
  • Level: Second

Property

Accessibility

  • Accessibility features: No

Details

  • Parcel number: M:000D B:0048 L:0002,128289
  • Zoning: RC

Lot

  • Lot size: 7,579 sqft

Parking

  • Total spaces: 4
  • Parking features: Attached,Under,Oversized,Paved Drive,Off Street
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • Has uncovered spaces: Yes
  • Uncovered spaces: 2

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
    HurricaneModerate
  • Inland Flooding
    Inland FloodingModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Hurricane
Inland Flooding
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 $5,992$71,904
Home Insurance *$286$3,432
Property Taxes $1,074$12,888
Electricity $376$4,512
Total$7,728$92,736
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$264,960/yr
40% on housing$231,840/yr
45% on housing$206,080/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: 7.9%
7.9%
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

$621This listing

vs Other Active Listings

Avg $/sqft

ZIP 02186$515
Norfolk County$448

vs Homes Sold Last Month

Median $/sqft

ZIP 02186$497
Norfolk County$427

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)

No zestimate history available

Price History

DateEventPrice
2026-08-13Pending sale$1,185,000
2026-07-15Listed for sale$1,185,000

For Sale by Agent

AgentMatthew Freeman
BrokerageColdwell Banker Realty - Milton

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