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189 Holden St, Holden, MA, 01520

3beds
3baths
4,000sqft
$1,149,000
$287price/sqft
$8,267/moest. monthly cost
$330,680/yrincome needed

About This Home

Ck out this single-family residence w/ frnt to back liv rm w/ cozy gas stove, & multiple in-law units on 1.44 private acres near the Worcester line. The property's generous lot, in ground saltwater pool, pool kitchen,1/2 bath, tiki bar, covered porch living area w/Trex decking & plenty of parking will keep you entertaining all summer long! This property has a 2 car attached garage PLUS 7 garage spaces that are 40' deep (5 with high ceilings) in one building & 4+ more garages/storage areas w/ EZ access to main driveway that splits the property in half w/ living space on one side & working space on the other. Tired of renting space for your work vehicles or want to do maintenance on your fleet at home? Heated garage w/7000 lb lift, hot/cold water, overhead garage door, & compressors will simplify your commute & keep you close to the pool! Truly too much to list is included w/ this property. Discover the exceptional potential of this Holden residence; we invite you for a personal viewing!

Getting Around

10
WalkingCar-Dependent
0
TransitVery Limited Transit
17
BikeSomewhat Bikeable

Schools

8/10
Mayo Elementary SchoolGrades K-51.7 mi
6/10
Mountview Middle SchoolGrades 6-80.6 mi
7/10

Construction

Condition

  • Property condition: Remodeled
  • Year built: 1920

Materials

  • Foundation: Concrete Perimeter,Stone,Irregular
  • Roof: Shingle
  • Construction materials: Frame

Type & Style

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

Interior

Appliances

  • Appliances included: Gas Water Heater,Water Heater,Range,Dishwasher,Disposal,Trash Compactor,Refrigerator,Washer,Dryer,Plumbed For Ice Maker
  • Laundry features: Dryer Hookup - Electric,Washer Hookup,Dryer Hookup - Gas,Gas Dryer Hookup,First Floor,Electric Dryer Hookup

Basement

  • Has basement: Yes
  • Basement: Full,Crawl Space,Partially Finished,Walk-Out Access,Bulkhead,Concrete

Bathroom1

  • Features: Bathroom - 3/4, Bathroom - Tiled With Shower Stall, Flooring - Stone/Ceramic Tile
  • Level: First

Bathroom2

  • Features: Bathroom - 3/4, Bathroom - With Shower Stall, Flooring - Stone/Ceramic Tile
  • Level: First

Bathroom3

  • Features: Bathroom - Full, Flooring - Stone/Ceramic Tile
  • Level: Second

Bedroom2

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

Bedroom3

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

Bedrooms & Bathrooms

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

Dining Room

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

Family Room

  • Features: Ceiling Fan(s), Flooring - Hardwood, Window(s) - Bay/Bow/Box, Deck - Exterior, Exterior Access, Crown Molding
  • Level: First

Features

  • Bathroom - 3/4,Ceiling Fan(s),Closet,Dining Area,Cable Hookup,Bathroom - Full,Walk-In Closet(s),Slider,High Speed Internet Hookup,Accessory Apt.,Sitting Room,Foyer
  • Door features: Insulated Doors
  • Window features: Insulated Windows
  • Flooring: Tile,Hardwood,Flooring - Hardwood,Flooring - Stone/Ceramic Tile
  • Number of fireplaces: 1
  • Fireplace: Yes
  • Finished area below ground: 463
  • Finished area above ground: 4,000

Heating & Cooling

  • Heating features: Baseboard,Hot Water,Natural Gas
  • Cooling features: None

Interior Area

  • Total structure area: 4,000
  • Total interior livable area: 4,000 sqft

Kitchen

  • Features: Flooring - Stone/Ceramic Tile, Dining Area, Pantry, Countertops - Stone/Granite/Solid
  • Level: Main,First

Living Room

  • Features: Closet/Cabinets - Custom Built, Flooring - Hardwood, Gas Stove, Crown Molding
  • Level: First

Master Bathroom

  • Features: Yes

Master Bedroom

  • Features: Bathroom - 3/4, Skylight, Cathedral Ceiling(s), Ceiling Fan(s), Flooring - Stone/Ceramic Tile, Flooring - Wall to Wall Carpet, Closet - Double
  • Level: First

Property

Details

  • Parcel number: M:225 B:75,1544102
  • Zoning: R15
  • Exclusions: Walk Behind Lawn Mower,Some Personal Items,Cadet Riding Mower

Features

  • Private pool: Yes
  • Pool features: Pool - Inground Heated
  • Patio & porch: Deck - Exterior,Porch,Deck - Wood,Deck - Composite,Covered
  • Exterior features: Balcony / Deck,Porch,Deck - Wood,Deck - Composite,Covered Patio/Deck,Pool - Inground Heated,Rain Gutters,Storage,Gazebo,Guest House,Outdoor Gas Grill Hookup
  • Frontage length: 160.00

Lot

  • Lot size: 1.44 Acres
  • Features: Cleared,Gentle Sloping

Parking

  • Total spaces: 35
  • Parking features: Attached,Detached,Garage Door Opener,Heated Garage,Storage,Workshop in Garage,Insulated,Paved Drive,Paved
  • Has garage: Yes
  • Attached garage spaces: 11
  • Covered spaces: 11
  • Has uncovered spaces: Yes
  • Uncovered spaces: 24

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

No climate risk data available.

How This Home’s Risks Compare

FEMA Declared Disasters Across Massachusetts Counties

Flood
Hurricane
Severe Storm

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 $5,809$69,708
Home Insurance *$375$4,500
Property Taxes $1,295$15,540
Electricity $788$9,465
Total$8,267$99,204
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$283,440/yr
40% on housing$248,010/yr
45% on housing$220,453/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: 7.8%
7.8%
0%30.0%
Electricity Growth Rate10-year average: 7.9%
7.9%
0%15.0%
Property Taxes Growth Rate2-year average: 1.3%
1.3%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$287This listing

vs Other Active Listings

Avg $/sqft

ZIP 01520$297
Worcester County$265

vs Homes Sold Last Month

Median $/sqft

ZIP 01520$297
Worcester County$281

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
2026-05-06Price change$1,199,000
2026-04-21Listed for sale$1,250,000
2025-12-07Listing removed$1,250,000
2025-10-17Listed for sale$1,250,000
2001-11-30Sold$275,000

For Sale by Agent

AgentDianne Zottoli
BrokerageHolden Realty Inc.

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