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45 Needham St, Norfolk, MA, 02056

3beds
2baths
1,640sqft
$699,900
$427price/sqft
$4,983/moest. monthly cost
$199,320/yrincome needed

About This Home

This beautiful ranch offers the ease of one-floor living with warm, welcoming spaces and a thoughtful layout designed for everyday comfort. The heart of the home is the spectacular cathedral-ceiling family room—an exceptional gathering space filled with natural light and backyard views that create a relaxed, inviting atmosphere, ideal for hosting large gatherings and celebrating life’s moments. At the front of the home, the fire-placed living room with custom built-ins provides a comfortable setting for quieter moments, reading or visiting with guests. The lovely eat-in kitchen is complemented by a bright, versatile room with direct access to the expansive deck overlooking the incredibly private backyard. Whether used as a welcoming entry, sitting room, playroom, casual dining area or home office, this flexible space creates a seamless connection between the home’s interior and the outdoors. Two well-appointed bathrooms enhance the home’s functionality, including a beautiful vaulted-ceiling bath with a skylight and shower, and a second full bath conveniently located near the bedrooms. The private backyard offers an ideal setting for morning coffee, summer barbecues and peaceful evenings spent relaxing outside. Additional features include hardwood floors, central air, recessed lighting and an oversized two-car attached garage. A large unfinished basement provides excellent expansion potential, while a separate crawl space beneath the family room offers even more storage. Offering exceptional gathering spaces, a thoughtful floor plan and a serene, private outdoor setting, this inviting home blends everyday comfort with proximity to schools, playgrounds, Patriot Place, the commuter rail, Stony Brook Reservation, Pond Street Recreation Complex and outdoor recreation.

Getting Around

6
WalkingCar-Dependent
0
TransitVery Limited Transit
25
BikeSomewhat Bikeable

Schools

8/10
Freeman-Kennedy SchoolGrades 3-60.9 mi
6/10

Construction

Condition

  • Year built: 1962

Materials

  • Foundation: Concrete Perimeter
  • Roof: Shingle

Type & Style

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

Interior

Appliances

  • Appliances included: Water Heater,Range,Dishwasher,Refrigerator
  • Laundry features: Electric Dryer Hookup,Washer Hookup,In Basement

Basement

  • Has basement: Yes
  • Basement: Full,Interior Entry,Bulkhead,Unfinished

Bathroom1

  • Features: Bathroom - 3/4, Bathroom - With Shower Stall, Skylight, Cathedral Ceiling(s), Closet - Linen, Flooring - Stone/Ceramic Tile, Lighting - Sconce, Pedestal Sink
  • Level: First

Bathroom2

  • Features: Bathroom - Full, Bathroom - With Tub & Shower, Closet - Linen, Flooring - Stone/Ceramic Tile, Recessed Lighting, Lighting - Sconce
  • Level: First

Bedroom2

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

Bedroom3

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

Bedrooms & Bathrooms

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

Family Room

  • Features: Cathedral Ceiling(s), Flooring - Hardwood, Recessed Lighting
  • Level: First

Features

  • Recessed Lighting,Slider,Crown Molding,Closet - Double,Bonus Room
  • Flooring: Tile,Carpet,Hardwood,Flooring - Hardwood
  • Number of fireplaces: 1
  • Fireplace features: Living Room
  • Fireplace: Yes
  • Finished area above ground: 1,640

Heating & Cooling

  • Heating features: Forced Air,Oil
  • Cooling features: Central Air

Interior Area

  • Total structure area: 1,640
  • Total interior livable area: 1,640 sqft

Kitchen

  • Features: Flooring - Stone/Ceramic Tile, Dining Area
  • Level: First

Living Room

  • Features: Closet, Closet/Cabinets - Custom Built, Flooring - Hardwood, Exterior Access, Recessed Lighting, Crown Molding
  • Level: First

Master Bathroom

  • Features: No

Master Bedroom

  • Features: Flooring - Hardwood, Closet - Double
  • Level: First

Property

Details

  • Parcel number: 152998
  • Zoning: R2

Features

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

Lot

  • Lot size: 0.69 Acres
  • Features: Wooded

Parking

  • Total spaces: 6
  • Parking features: Attached,Garage Door Opener,Storage,Workshop in Garage,Oversized,Off Street,Paved
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • 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

  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

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 $3,539$42,468
Home Insurance *$159$1,908
Property Taxes $931$11,172
Electricity $354$4,259
Total$4,983$59,796
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$170,845/yr
40% on housing$149,490/yr
45% on housing$132,880/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

$427This listing

vs Other Active Listings

Avg $/sqft

ZIP 02056$345
Norfolk County$448

vs Homes Sold Last Month

Median $/sqft

ZIP 02056$326
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
2026-08-14Pending sale$699,900
2026-08-06Contingent$699,900
2026-07-29Listed for sale$699,900
2010-08-18Sold$371,000
2010-07-20Pending sale$379,900
2010-06-18Listed for sale$379,900
2002-03-15Sold$279,000

For Sale by Agent

AgentDanielle Rochefort
BrokerageColdwell Banker Realty - Westwood

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