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878 Flat Hill Rd, Lunenburg, MA, 01462

2beds
1baths
952sqft
$659,000
$692price/sqft
$4,694/moest. monthly cost
$187,760/yrincome needed

About This Home

A rare opportunity for those with a vision. This sale includes three parcels sold together. The home, is a camp/ranch with a detached garage, and is suitable for year-round living. A brand new wooden perimeter fence provides privacy while enjoying the view of the shoreline lawn and lake. The 2 bedroom, 1 bath is all you need when you are enjoying life on the water. The adjacent parcel adds .6 acres for the home’s use. The "Landing" is over 200 feet of shoreline with lush grass, beautiful landscaping, 2 docks for your boat, and a shed for your kayaks and floats. It's hard to find over an acre (1.02) at the lake. It's the perfect place to grill, hang with family, and enjoy lake life, without the the customary waterfront price tag and taxes! Just minutes to Devens businesses. Title V completed and passed. Don't miss this truly unique offering! Also offered in combination with Private Island Listing: 881 Flat Hill Road. MLS Listing #73548312.

Getting Around

3
WalkingCar-Dependent
0
TransitVery Limited Transit
30
BikeSomewhat Bikeable

Schools

--
Lunenburg Primary SchoolGrades PK-22.4 mi
7/10
Lunenburg Middle SchoolGrades 6-82.8 mi
8/10
Lunenburg High SchoolGrades 9-122.8 mi

Construction

Condition

  • Year built: 1955

Materials

  • Foundation: Block
  • Roof: Shingle,Other
  • Construction materials: Frame

Type & Style

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

Interior

Appliances

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

Basement

  • Basement: Crawl Space

Bedrooms & Bathrooms

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

Features

  • Flooring: Carpet,Laminate
  • Number of fireplaces: 1
  • Fireplace: Yes
  • Finished area above ground: 952

Heating & Cooling

  • Heating features: Propane,Pellet Stove,Ductless
  • Cooling features: Ductless

Interior Area

  • Total structure area: 952
  • Total interior livable area: 952 sqft

Property

Details

  • Parcel number: M:122.0 B:0019 L:0000.0,1599266
  • Zoning: RB

Features

  • Patio & porch: Porch
  • Exterior features: Porch,Fenced Yard,Outdoor Shower
  • Fencing: Fenced
  • Has view: Yes
  • View description: Scenic View(s),Water,Lake
  • Has water view: Yes
  • Water view: Lake,Water
  • On waterfront: Yes
  • Waterfront features: Waterfront,Lake,Dock/Mooring,Direct Access,Other (See Remarks)

Lot

  • Lot size: 1.02 Acres
  • Features: Wooded,Cleared

Parking

  • Total spaces: 7
  • Parking features: Detached,Shared Driveway,Off Street,Unpaved
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1
  • Has uncovered spaces: Yes
  • Uncovered spaces: 6

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
  • Ice Storm
    Ice StormModerate

How This Home’s Risks Compare

Hurricane
Ice Storm

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 $3,332$39,984
Home Insurance *$223$2,676
Property Taxes $785$9,420
Electricity $354$4,259
Total$4,694$56,328
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$160,937/yr
40% on housing$140,820/yr
45% on housing$125,173/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

$692This listing

vs Other Active Listings

Avg $/sqft

ZIP 01462$247
Worcester County$265

vs Homes Sold Last Month

Median $/sqft

ZIP 01462$275
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)

Price History

DateEventPrice
2026-07-11Price change$879,000
2026-07-11Listed for sale$659,000
2025-11-03Listing removed$975,000
2025-09-25Listed for sale$975,000
2004-04-28Sold$75,000
1981-07-31Sold$27,000

For Sale by Agent

AgentStefanie Roberts
BrokerageClear Path Realty,LLC

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