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12 Fairground Rd, Sturbridge, MA, 01566

3beds
2baths
1,150sqft
$425,000
$370price/sqft
$3,205/moest. monthly cost
$128,200/yrincome needed

About This Home

Charming Cedar Pond Waterfront Bungalow!Welcome to this adorable 3-bedroom, 2-bath waterfront bungalow nestled along the shores of beautiful Cedar Pond in Sturbridge. Full of character and thoughtful updates, this inviting home offers the perfect blend of charm, potential, and a peaceful waterfront lifestyle.Approximately 10-15 years ago, a second-story addition transformed the home by adding two spacious bedrooms and a full bath. At that time, the roof and windows were also replaced, and the home has seen electrical updates as well, providing added value and peace of mind.The first floor features an area where the previous owners began preparing for future improvements by removing a wall. The framing remains in place, offering the perfect opportunity for the next owner to bring their vision to life and customize the space to fit their needs—whether that’s creating a more open-concept layout, expanding the living area, or designing something uniquely their own.Outside, enjoy everything Cedar Pond has to offer—from relaxing mornings overlooking the water to kayaking, fishing, or simply unwinding in a serene setting. Whether you’re searching for a year-round home, a weekend retreat, or an investment opportunity, this charming property offers incredible potential in a sought-after waterfront location.Bring your ideas and make this adorable Cedar Pond bungalow your own!

Getting Around

47
WalkingCar-Dependent
0
TransitVery Limited Transit
33
BikeSomewhat Bikeable

Schools

7/10
Burgess Elementary SchoolGrades PK-60.4 mi

Construction

Condition

  • Year built: 1935

Materials

  • Foundation: Stone
  • Roof: Shingle
  • Construction materials: Frame

Type & Style

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

Interior

Bedrooms & Bathrooms

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

Features

  • Finished area above ground: 1,150

Heating & Cooling

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

Interior Area

  • Total structure area: 1,150
  • Total interior livable area: 1,150 sqft

Property

Details

  • Parcel number: M:0260 B:2541 L:0012,1702569
  • Attached to another structure: Yes
  • Zoning: CD

Features

  • Patio & porch: Porch,Deck
  • Exterior features: Porch,Deck,Balcony
  • Has view: Yes
  • View description: Scenic View(s)
  • On waterfront: Yes
  • Waterfront features: Waterfront,Pond,Lake/Pond

Lot

  • Lot size: 7,405 sqft

Parking

  • Total spaces: 3
  • Parking features: Detached,Off Street
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1
  • 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
  • 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 $2,149$25,788
Home Insurance *$140$1,680
Property Taxes $562$6,744
Electricity $354$4,259
Total$3,205$38,460
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$109,885/yr
40% on housing$96,150/yr
45% on housing$85,466/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

$370This listing

vs Other Active Listings

Avg $/sqft

ZIP 01566$237
Worcester County$265

vs Homes Sold Last Month

Median $/sqft

ZIP 01566$258
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
2026-07-30Listed for sale$425,000

For Sale by Agent

AgentJS & The City Team
BrokerageSerhant

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