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32 Ocean St, Beverly, MA, 01915

10beds
4baths
5,727sqft
$1,400,000
$244price/sqft
$9,894/moest. monthly cost
$395,760/yrincome needed

About This Home

Three houses from the beach, this Beverly two-family home offers a rare combination of space, flexibility, and location. The life you've been trying to create may be closer than you think - and far larger than you thought you could afford. With over 5,700 sqft of living space, including nearly 4,000 sqft and 11 flex rooms within the owner's unit alone, the possibilities are almost endless. What will you fill your home with? An au pair with their own space, room for guests, home offices, hobbies, a listening room, drawing room, home library, or simply room to grow. The oversized first-floor unit offers nearly 1,800 sqft of single-level living, making it ideal for grandparents, multigenerational living, or rental income. Opportunities like this are exceptionally rare. The location is exactly where you want to be. Spend your mornings at the beach, stroll just a few blocks to vibrant downtown Beverly, or catch the commuter rail to Boston just 0.7 miles away. In Beverly you'll enjoy boutique coffee shops, award-winning restaurants, breweries that host running and knitting clubs, a monthly CoFlo space, live music, community festivals, parades, summer concerts, and the coastal charm that keeps people here for generations. The Beverly Common and Public Library are also just around the corner, offering year-round programs for children, teens, and adults. Timeless character, enriched by modern updates, creates a home that feels both classic and current. Within the last 4 years the home has undergone extensive upgrades, updates and renovations making it a breeze to move right in. These include triple-pane windows, central air, heat pumps, insulation, updated kitchens and baths, and major electrical improvements. The first floor unit offers three bedrooms, while the owner's residence spans the second and third floors with 2.5 bathrooms and 11 additional flex rooms to fit your lifestyle. Come experience life by the sea in Beverly. Private showing appointments available, easy to schedule.

Getting Around

84
WalkingVery Walkable
0
TransitVery Limited Transit
58
BikeBikeable

Schools

8/10
Hannah Elementary SchoolGrades K-41.4 mi
6/10
Briscoe Middle SchoolGrades 5-81.5 mi
6/10
Beverly High SchoolGrades 9-121.3 mi

Construction

Condition

  • Year built: 1911

Materials

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

Type & Style

  • Home type: MultiFamily
  • Property subType: Multi Family

Interior

Appliances

  • Appliances included: Range,Dishwasher,Disposal,Refrigerator,Washer,Dryer,Range Hood
  • Laundry features: Electric Dryer Hookup,Washer Hookup

Basement

  • Has basement: Yes
  • Basement: Full,Walk-Out Access

Bedrooms & Bathrooms

  • Bedrooms: 10
  • Bathrooms: 4
  • Full bathrooms: 3
  • 1/2 bathrooms: 1

Features

  • Storage,Ceiling Fan(s),Pantry,Bathroom With Tub & Shower,Crown Molding,Upgraded Cabinets,Upgraded Countertops,Walk-In Closet(s),Bathroom with Shower Stall,Bathroom With Tub,Remodeled,Living Room,Dining Room,Kitchen,Laundry Room,Family Room,Mudroom,Office/Den
  • Door features: Insulated Doors
  • Window features: Insulated Windows
  • Flooring: Wood,Tile,Vinyl,Varies
  • Number of fireplaces: 2
  • Fireplace: Yes
  • Finished area below ground: 0
  • Finished area above ground: 5,727

Heating & Cooling

  • Heating features: Oil,Forced Air,Heat Pump,Natural Gas,Unit Control
  • Cooling features: Window Unit(s),Central Air,Unit Control

Interior Area

  • Total structure area: 5,727
  • Total interior livable area: 5,727 sqft

Property

Details

  • Parcel number: M:0006 B:0026 L:,4180816
  • Zoning: R6

Features

  • Patio & porch: Porch,Deck,Patio,Covered
  • Exterior features: Balcony/Deck,Rain Gutters
  • Fencing: Fenced/Enclosed,Fenced
  • Waterfront features: Beach Access,Ocean,Walk to,0 to 1/10 Mile To Beach,Beach Ownership(Public)

Lot

  • Lot size: 6,700 sqft

Parking

  • Total spaces: 6
  • Parking features: Paved Drive,Off Street,Tandem,Paved
  • Has uncovered spaces: Yes
  • 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

  • Ice Storm
    Ice StormModerate
  • Lightning
    LightningModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Ice Storm
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 $7,079$84,948
Home Insurance *$419$5,028
Property Taxes $1,267$15,204
Electricity $1,129$13,551
Total$9,894$118,728
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$339,222/yr
40% on housing$296,820/yr
45% on housing$263,840/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: 8.2%
8.2%
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

$244This listing

vs Other Active Listings

Avg $/sqft

ZIP 01915$454
Essex County$385

vs Homes Sold Last Month

Median $/sqft

ZIP 01915$446
Essex County$387

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
2026-07-30Listed for sale$1,400,000
2026-07-14Listing removed$1,400,000
2026-07-14Listed for sale$1,400,000
2026-07-05Pending sale$1,400,000
2026-07-02Price change$1,400,000
2026-06-24Listed for sale$1,595,000
2022-07-28Sold$1,180,000
2022-05-26Listed for sale$1,075,000
2008-07-31Listing removed$549,000
2008-06-19Listed for sale$549,000

For Sale by Agent

AgentDiantha Phothisan
BrokerageAt Home With Diantha

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