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40 Willow Cove Rd, Cheshire, MA, 01225

2beds
3baths
2,481sqft
$649,900
$262price/sqft
$4,606/moest. monthly cost
$184,240/yrincome needed

About This Home

Nestled on a picturesque 2 acre lot and set well back from the road for added privacy, this beautiful 2 bedroom, 2 bath home offers both comfort, character and outdoor living. Step inside to a sunken livingroom centered around a stunning fieldstone fireplace. A large den offers flexible living space, and the finished lower level features a bedroom and full bath. French doors lead to an exceptional backyard oasis complete with in ground pool, pool house, deck, and plenty of room for entertaining. Enjoy the tranquility of country living with the convenience of nearby amenities. This exceptional property is a rare opportunity to enjoy indoor comfort and outdoor beauty in one remarkable home.

Getting Around

1
WalkingCar-Dependent
0
TransitVery Limited Transit
24
BikeSomewhat Bikeable

Schools

3/10
3/10
Hoosac Valley High SchoolGrades 8-124.6 mi
1/10

Construction

Condition

  • Year built: 1974

Materials

  • Roof: Asphalt Shingles

Type & Style

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

Interior

Appliances

  • Appliances included: Range,Refrigerator

Basement

  • Has basement: Yes
  • Basement: Full,Partially Finished

Bedrooms & Bathrooms

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

Features

  • Flooring: Ceramic Tile,Wood

Heating

  • Heating features: Propane,Nat Gas,Hot Water

Interior Area

  • Total structure area: 2,481
  • Total interior livable area: 2,481 sqft

Property

Details

  • Parcel number: CHESM0102L0047
  • Zoning description: Residential

Lot

  • Lot size: 2.10 Acres

Parking

  • Parking features: Garaged & Off-Street
  • Has garage: 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
  • Inland Flooding
    Inland FloodingModerate
  • Strong Wind
    Strong WindModerate

How This Home’s Risks Compare

Cold Wave
Inland Flooding
Strong Wind

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 $3,286$39,432
Home Insurance *$230$2,760
Property Taxes $601$7,212
Electricity $489$5,870
Total$4,606$55,272
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$157,920/yr
40% on housing$138,180/yr
45% on housing$122,826/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: 10.9%
10.9%
0%30.0%
Electricity Growth Rate10-year average: 7.9%
7.9%
0%15.0%
Property Taxes Growth Rate2-year average: 0.6%
0.6%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$262This listing

vs Other Active Listings

Avg $/sqft

ZIP 01225$197
Berkshire County$269

vs Homes Sold Last Month

Median $/sqft

ZIP 01225$191
Berkshire County$245

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
2026-07-07Listed for sale$649,900

For Sale by Agent

AgentRobin Moore
Brokerage413 REAL ESTATE

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