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3 Ludlow Rd, Quincy, MA, 02171

5beds
5baths
4,038sqft
$1,900,000
$471price/sqft
$12,676/moest. monthly cost
$507,040/yrincome needed

About This Home

Stunning Chapman's Reach single-family offering over 4,000 sq ft of luxury living in the premier location of Marina Bay. This exceptional home features a fully remodeled custom kitchen with quartz countertops, premium BlueStar appliances, and custom cabinetry. The open-concept floor plan is perfect for entertaining, featuring a spacious living room with fireplace and an elegant formal dining room highlighted by a beautiful chandelier.The main level also includes a private office with French doors leading to a covered front deck. Enjoy outdoor living in the fenced backyard complete with a patio and tranquil waterfall feature.The fully finished lower level offers 9-foot ceilings and includes a bedroom, living area, laundry room, wine cellar, pantry, and gym space—ideal for extended family or guest accommodations.The second floor features a luxurious en-suite/nanny suite along with two additional oversized bedrooms and a full bath.

Getting Around

46
WalkingCar-Dependent
23
TransitMinimal Transit
42
BikeSomewhat Bikeable

Schools

4/10
8/10
Atlantic Middle SchoolGrades 6-81.2 mi
8/10
North Quincy High SchoolGrades 9-121.2 mi

Construction

Condition

  • Property condition: Remodeled
  • Year built: 2000

Materials

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

Type & Style

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

Interior

Appliances

  • Appliances included: Gas Water Heater,Range,Dishwasher,Disposal,Microwave,Refrigerator,Washer,Dryer
  • Laundry features: In Basement

Basement

  • Has basement: Yes
  • Basement: Full,Finished

Bathroom1

  • Features: Bathroom - Half, Flooring - Stone/Ceramic Tile, Countertops - Stone/Granite/Solid, Remodeled
  • Level: First

Bathroom2

  • Features: Bathroom - Full, Bathroom - Tiled With Shower Stall, Bathroom - Tiled With Tub, Flooring - Stone/Ceramic Tile, Remodeled
  • Level: First
  • Area: 154

Bathroom3

  • Features: Bathroom - Half, Flooring - Stone/Ceramic Tile, Remodeled
  • Level: Second

Bedroom2

  • Features: Bathroom - Full, Closet, Flooring - Wall to Wall Carpet
  • Level: Second
  • Area: 323

Bedroom3

  • Features: Closet/Cabinets - Custom Built, Flooring - Wall to Wall Carpet
  • Level: Second
  • Area: 196

Bedroom4

  • Features: Closet, Flooring - Wall to Wall Carpet
  • Level: Second
  • Area: 210

Bedroom5

  • Features: Flooring - Vinyl
  • Level: Basement
  • Area: 289

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 5
  • Full bathrooms: 4
  • 1/2 bathrooms: 1

Dining Room

  • Features: Cathedral Ceiling(s), Flooring - Hardwood, Window(s) - Bay/Bow/Box, Breakfast Bar / Nook, Remodeled
  • Level: First
  • Area: 182

Family Room

  • Features: Bathroom - Full, Flooring - Vinyl
  • Level: Basement
  • Area: 480

Features

  • Bathroom - With Shower Stall,Bathroom - Tiled With Tub & Shower,Closet/Cabinets - Custom Built,3/4 Bath,Exercise Room,Wine Cellar,Home Office
  • Door features: French Doors
  • Flooring: Tile,Hardwood,Flooring - Vinyl,Flooring - Hardwood
  • Number of fireplaces: 1
  • Fireplace features: Living Room
  • Fireplace: Yes
  • Finished area below ground: 1,000
  • Finished area above ground: 3,038

Heating & Cooling

  • Heating features: Central,Forced Air
  • Cooling features: Central Air

Interior Area

  • Total structure area: 4,038
  • Total interior livable area: 4,038 sqft

Kitchen

  • Features: Bathroom - Half, Closet/Cabinets - Custom Built, Flooring - Hardwood, Flooring - Stone/Ceramic Tile, Dining Area, Countertops - Stone/Granite/Solid, Kitchen Island, Wet Bar, Cabinets - Upgraded, Remodeled
  • Level: Main,First
  • Area: 308

Living Room

  • Features: Cathedral Ceiling(s), Flooring - Hardwood, Exterior Access, Open Floorplan, Recessed Lighting, Remodeled
  • Level: First
  • Area: 304

Master Bathroom

  • Features: Yes

Master Bedroom

  • Features: Bathroom - Full, Closet/Cabinets - Custom Built, Flooring - Hardwood, Remodeled
  • Level: First
  • Area: 408

Office

  • Features: Flooring - Hardwood, Balcony / Deck, French Doors, Remodeled
  • Level: First
  • Area: 210

Property

Accessibility

  • Accessibility features: No

Details

  • Parcel number: M:6076C B:75 L:61,4173696
  • Zoning: PUD

Features

  • Patio & porch: Porch,Patio
  • Exterior features: Balcony / Deck,Porch,Patio,Professional Landscaping,Decorative Lighting,Fenced Yard,Garden,Stone Wall
  • Fencing: Fenced
  • Has view: Yes
  • View description: Water,Harbor
  • Has water view: Yes
  • Water view: Harbor,Water
  • Waterfront features: Ocean,1/10 to 3/10 To Beach,Beach Ownership(Public)

Lot

  • Lot size: 2.30 Acres
  • Features: Level

Parking

  • Total spaces: 3
  • Parking features: Attached,Off Street
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • Uncovered spaces: 1

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 FloodingRelatively High
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Coastal Flooding
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 $9,607$115,284
Home Insurance *$462$5,544
Property Taxes $1,811$21,732
Electricity $796$9,555
Total$12,676$152,112
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$434,605/yr
40% on housing$380,280/yr
45% on housing$338,026/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: 7.9%
7.9%
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

$471This listing

vs Other Active Listings

Avg $/sqft

ZIP 02171$425
Norfolk County$448

vs Homes Sold Last Month

Median $/sqft

ZIP 02171$497
Norfolk County$427

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)

No zestimate history available

Price History

DateEventPrice
2026-08-11Pending sale$1,900,000
2026-06-03Listed for sale$1,900,000
2018-06-29Sold$1,167,500
2017-09-19Listing removed$1,220,000
2017-05-20Listed for sale$1,220,000
2013-09-23Listing removed$1,180,000
2013-08-29Listed for sale$1,180,000
2010-01-07Sold$925,000
2000-08-11Sold$693,869

For Sale by Agent

AgentAnne Galvin
BrokerageColdwell Banker Realty - Dorchester

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