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1138 Adams St, Dorchester, MA, 02124

5beds
2baths
3,177sqft
$1,150,000
$362price/sqft
$7,965/moest. monthly cost
$318,600/yrincome needed

About This Home

Welcome to 1138 Adams Street, a classic Dorchester two-family home offering spacious living across 3,178 SF and set on a beautiful 6,605 SF lot. Nestled in the vibrant Lower Mills neighborhood, this property combines residential charm with everyday convenience to cafés, parks, and local favorites. Whether you’re seeking multi-generational living, rental income, or a home with room to grow, this property provides comfort, flexibility, and a location that continues to shine within Boston’s evolving landscape. This property offers a substantial footprint for renovation, modernization, or repositioning. The property’s scale, layout, and location in Adams Village make it an excellent candidate for contractors, developers, or investors seeking a project with meaningful upside. With strong neighborhood fundamentals and a multi-family configuration that remains in high demand, 1138 Adams Street is ready for its next chapter.

Getting Around

78
WalkingVery Walkable
0
TransitVery Limited Transit
66
BikeBikeable

Schools

Construction

Condition

  • Year built: 1880

Materials

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

Type & Style

  • Home type: MultiFamily
  • Property subType: 2 Family - 2 Units Up/Down

Interior

Appliances

  • Appliances included: Range,Dishwasher,Disposal,Microwave,Refrigerator,Washer,Dryer

Basement

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

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 2
  • Full bathrooms: 2

Features

  • Ceiling Fan(s),Walk-Up Attic,Heated Attic,Cathedral/Vaulted Ceilings,Lead Certification Available,Bathroom with Shower Stall,Living Room,Dining Room,Laundry Room,Mudroom,Office/Den,Kitchen
  • Flooring: Tile,Wood
  • Number of fireplaces: 1
  • Fireplace features: Gas
  • Fireplace: Yes
  • Finished area below ground: 1,513
  • Finished area above ground: 3,177

Interior Area

  • Total structure area: 3,177
  • Total interior livable area: 3,177 sqft

Property

Details

  • Parcel number: DORC W:17 P:03628 S:000,1316259
  • Zoning: R2

Features

  • Patio & porch: Porch,Deck,Deck - Vinyl,Patio - Enclosed
  • Exterior features: Balcony/Deck
  • Waterfront features: Ocean,1 to 2 Mile To Beach
  • Frontage length: 100.00

Lot

  • Lot size: 6,605 sqft
  • Features: Zero Lot Line

Parking

  • Total spaces: 8
  • Parking features: Off Street
  • Uncovered spaces: 8

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

  • Coastal Flooding
    Coastal FloodingModerate
  • Cold Wave
    Cold WaveModerate
  • Heat Wave
    Heat WaveModerate
  • Lightning
    LightningModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Coastal Flooding
Cold Wave
Heat Wave
Lightning
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 $5,815$69,780
Home Insurance *$411$4,932
Property Taxes $1,113$13,356
Electricity $626$7,517
Total$7,965$95,580
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$273,085/yr
40% on housing$238,950/yr
45% on housing$212,400/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: 7.3%
7.3%
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

$362This listing

vs Other Active Listings

Avg $/sqft

ZIP 02124$355
Suffolk County$575

vs Homes Sold Last Month

Median $/sqft

ZIP 02124$396
Suffolk County$453

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
2026-08-17Price change$999,995
2026-07-13Listed for sale$1,150,000
1994-11-10Sold$134,000

For Sale by Agent

AgentJustine Snyder
BrokerageFine Properties, Inc.

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