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259 Chelsea St, East Boston, MA, 02128

3beds
3baths
2,118sqft
$869,900
$411price/sqft
$5,983/moest. monthly cost
$239,320/yrincome needed

About This Home

Opportunity knocks in East Boston with this well-located three-family offering three one-bedroom units and strong income potential. Each unit features a functional layout, hardwood flooring in many areas, and separately metered utilities. The first-floor unit includes an updated kitchen with white cabinetry, granite countertops, and stainless steel appliances, while the additional units offer spacious rooms and flexible living areas. Outside, the property features rear decks and a fenced backyard, providing valuable outdoor space in the city. Major updates include a roof approximately four years old, replacement windows completed around ten years ago, and newer water heaters. Conveniently located near public transportation, shopping, parks, restaurants, schools, highway access, and the T. Some listing photos have been virtually edited to remove personal belongings and clutter.

Getting Around

94
WalkingWalker's Paradise
0
TransitVery Limited Transit
76
BikeVery Bikeable

Schools

2/10
East Boston High SchoolGrades 7-120.4 mi

Construction

Condition

  • Year built: 1900

Materials

  • Foundation: Concrete Perimeter
  • Roof: Rubber
  • Construction materials: Frame

Type & Style

  • Home type: MultiFamily
  • Property subType: 3 Family - 3 Units Up/Down

Interior

Appliances

  • Appliances included: Range,Microwave,Refrigerator

Basement

  • Has basement: Yes
  • Basement: Full,Concrete,Unfinished

Bedrooms & Bathrooms

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

Features

  • Ceiling Fan(s),Living Room,Kitchen,Office/Den,Dining Room
  • Flooring: Varies,Hardwood
  • Finished area above ground: 2,118

Interior Area

  • Total structure area: 2,118
  • Total interior livable area: 2,118 sqft

Property

Details

  • Parcel number: W:01 P:06858 S:000,1332874
  • Zoning: R3

Features

  • Patio & porch: Deck - Composite
  • Exterior features: Rain Gutters
  • Fencing: Fenced

Lot

  • Lot size: 2,000 sqft
  • Features: Other

Parking

  • Parking features: On Street
  • Has uncovered spaces: Yes

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
  • Heat Wave
    Heat WaveModerate
  • Lightning
    LightningModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

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 $4,398$52,776
Home Insurance *$327$3,924
Property Taxes $841$10,092
Electricity $417$5,011
Total$5,983$71,796
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$205,131/yr
40% on housing$179,490/yr
45% on housing$159,546/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

$411This listing

vs Other Active Listings

Avg $/sqft

ZIP 02128$393
Suffolk County$575

vs Homes Sold Last Month

Median $/sqft

ZIP 02128$513
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
2026-08-15Contingent$869,900
2026-07-22Listed for sale$869,900
1990-03-30Sold$105,000

For Sale by Agent

AgentThe TrustPoint Group
BrokerageeXp Realty LLC - Corporate Office

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