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24 Cote Ln, Sutton, MA, 01590

2beds
1baths
1,776sqft
$449,000
$253price/sqft
$3,183/moest. monthly cost
$127,320/yrincome needed

About This Home

24 Cote Lane — Sutton | Tucker PondWaterfront on Tucker Pond, nicely renovated and ready now. 175 feet of water frontage on nearly three-quarters of an acre. The main house — two bedrooms, one full bath — has been taken down to the essentials and rebuilt: new roof, new siding, new windows, new kitchen, new bath. Direct pond access, passing Title V system.What makes this rare isn’t just the finished house. A second structure across the street comes with it — fully gutted and framed for a clean design approach, whether that becomes a guest house, an income unit, or a second home built exactly to your specifications.175 feet of frontage. Two buildings. One waterfront position. Turnkey today with real upside still on the table. Properties like this on Tucker Pond are tightly held and rarely trade.

Getting Around

6
WalkingCar-Dependent
0
TransitVery Limited Transit
21
BikeSomewhat Bikeable

Schools

--
Sutton Early LearningGrades PK-23.1 mi
7/10
Sutton Middle SchoolGrades 6-83.1 mi
8/10
Sutton High SchoolGrades 9-123.1 mi

Construction

Condition

  • Year built: 1920

Materials

  • Foundation: Concrete Perimeter

Type & Style

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

Interior

Appliances

  • Appliances included: Range,Microwave,Refrigerator

Basement

  • Basement: Crawl Space

Bedrooms & Bathrooms

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

Features

  • Flooring: Vinyl
  • Finished area above ground: 1,776

Heating & Cooling

  • Heating features: Forced Air,Wood Stove
  • Cooling features: Window Unit(s)

Interior Area

  • Total structure area: 1,776
  • Total interior livable area: 1,776 sqft

Property

Details

  • Parcel number: M:0049 B:0173 L:0000,3798119
  • Attached to another structure: Yes
  • Zoning: R1

Features

  • Patio & porch: Porch,Patio
  • Exterior features: Porch,Patio,Rain Gutters
  • Has view: Yes
  • View description: Water,Pond
  • Has water view: Yes
  • Water view: Pond,Water
  • On waterfront: Yes
  • Waterfront features: Waterfront,Pond

Lot

  • Lot size: 0.72 Acres
  • Features: Corner Lot

Parking

  • Total spaces: 8
  • Parking features: Attached,Off Street
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • 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

  • Cold Wave
    Cold WaveModerate
  • Hurricane
    HurricaneModerate
  • Ice Storm
    Ice StormModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate

How This Home’s Risks Compare

Cold Wave
Hurricane
Ice Storm
Lightning
Strong Wind

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 $2,270$27,240
Home Insurance *$116$1,392
Property Taxes $443$5,316
Electricity $354$4,259
Total$3,183$38,196
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$109,131/yr
40% on housing$95,490/yr
45% on housing$84,880/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: 7.8%
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

$253This listing

vs Other Active Listings

Avg $/sqft

ZIP 01590$272
Worcester County$265

vs Homes Sold Last Month

Median $/sqft

ZIP 01590$306
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
2026-08-03Listed for sale$449,000
2026-08-02Listing removed$449,000
2026-08-01Price change$449,000
2026-06-24Pending sale$359,990
2026-03-20Listed for sale$359,990
2026-01-29Listing removed$365,000
2026-01-20Price change$365,000
2025-12-07Price change$380,000
2025-11-18Listed for sale$400,000
2025-09-09Sold$226,000
2025-06-19Listed for sale$225,000
2019-11-25Listing removed$241,900
2019-07-24Listed for sale$241,900
1992-10-08Sold$87,000

For Sale by Agent

AgentSmith & Oak Greater Boston Group
BrokerageSmith and Oak Real Estate Co.

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