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12 Andrews St, Gloucester, MA, 01930

5beds
5baths
3,578sqft
$1,425,000
$398price/sqft
$9,547/moest. monthly cost
$381,880/yrincome needed

About This Home

Treasure at Lane's Cove. A rare opportunity to live in the heart of Lanesville with water views & access to Lanes Cove a protective inlet spilling out to Ipswich Bay & beyond. Launch your kayak, paddle board or small boat away from the busy summer crowds. This modern home offers 5 bedrooms, 5 bathrooms & a profitable BNB in the lower level with a separate entrance.The main kitchen boasts an oversized granite chef's island, Viking Stove, a refinished maple floor & oversized Anderson windows overlooking the water & sunsets that will make your heart skip a beat. Entertain guests in the formal livingroom featuring a handsome Brazilian wood floor, wet bar, refrigerator & granite counters.Many unique features unlike any other; port hole windows, entry foyer, balconies, paid in full solar panels, garden shed storage, patio, perennial beds, flowering shrubs & a15'X30'mahogany deck facing The Cove.Discover Plum Cove Beach around the corner, woodland trails, a bakery, liquor store, Post & more

Getting Around

40
WalkingCar-Dependent
27
TransitSome Transit
28
BikeSomewhat Bikeable

Schools

7/10
Plum Cove SchoolGrades K-50.4 mi
4/10
Gloucester High SchoolGrades 9-124.6 mi

Construction

Condition

  • Year built: 1900

Materials

  • Foundation: Stone,Granite
  • Roof: Shingle,Rubber
  • Construction materials: Frame

Type & Style

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

Interior

Appliances

  • Appliances included: Water Heater,Range,Dishwasher,Disposal,Microwave,Refrigerator,Freezer,Washer,Dryer,Range Hood
  • Laundry features: Electric Dryer Hookup,Recessed Lighting,In Basement,Washer Hookup

Basement

  • Has basement: Yes
  • Basement: Full,Finished,Walk-Out Access,Interior Entry,Sump Pump,Concrete

Bathroom1

  • Features: Bathroom - Full, Flooring - Stone/Ceramic Tile, Jacuzzi / Whirlpool Soaking Tub, Recessed Lighting
  • Level: Second
  • Area: 60

Bathroom2

  • Features: Bathroom - Full, Flooring - Stone/Ceramic Tile, Jacuzzi / Whirlpool Soaking Tub, Recessed Lighting
  • Level: Second
  • Area: 20

Bathroom3

  • Features: Bathroom - Full, Flooring - Stone/Ceramic Tile, Recessed Lighting
  • Level: Second
  • Area: 45

Bedroom2

  • Features: Bathroom - Full, Skylight, Flooring - Hardwood, Balcony - Exterior, Recessed Lighting, Slider, Closet - Double
  • Level: Second
  • Area: 195

Bedroom3

  • Features: Skylight, Flooring - Hardwood, Balcony - Exterior, Recessed Lighting, Closet - Double
  • Level: Second
  • Area: 126

Bedroom4

  • Features: Bathroom - Full, Skylight, Closet, Flooring - Wall to Wall Carpet, Recessed Lighting
  • Level: Third
  • Area: 336

Bedroom5

  • Features: Bathroom - Full, Closet, Flooring - Stone/Ceramic Tile
  • Level: Basement
  • Area: 322

Bedrooms & Bathrooms

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

Dining Room

  • Features: Flooring - Hardwood, Window(s) - Picture, Balcony - Exterior, Open Floorplan, Recessed Lighting, Slider
  • Level: First
  • Area: 255

Features

  • Bathroom - Tiled With Tub & Shower,Recessed Lighting,Bathroom - Tiled With Shower Stall,Dining Area,Slider,Breakfast Bar / Nook,Bathroom,Home Office,Inlaw Apt.,Kitchen,Wet Bar
  • Door features: Storm Door(s)
  • Window features: Insulated Windows,Storm Window(s),Screens
  • Flooring: Tile,Carpet,Hardwood,Flooring - Hardwood,Flooring - Stone/Ceramic Tile
  • Finished area below ground: 973
  • Finished area above ground: 2,605

Heating & Cooling

  • Heating features: Baseboard,Electric Baseboard,Propane,Pellet Stove,Leased Propane Tank
  • Cooling features: Central Air

Interior Area

  • Total structure area: 3,578
  • Total interior livable area: 3,578 sqft

Kitchen

  • Features: Wood / Coal / Pellet Stove, Flooring - Hardwood, Deck - Exterior, Recessed Lighting, Gas Stove
  • Level: First
  • Area: 264

Living Room

  • Features: Flooring - Hardwood, Recessed Lighting
  • Level: First
  • Area: 588

Master Bathroom

  • Features: Yes

Master Bedroom

  • Features: Bathroom - Full, Flooring - Wall to Wall Carpet, Window(s) - Picture, Double Vanity, Recessed Lighting, Closet - Double
  • Level: Second
  • Area: 195

Office

  • Features: Flooring - Hardwood
  • Level: Second
  • Area: 99

Property

Details

  • Parcel number: 4235292
  • Zoning: R20
  • Exclusions: Tv In Living Room.
  • Foundation area: 2900

Features

  • Patio & porch: Deck - Wood,Patio
  • Exterior features: Deck - Wood,Patio,Balcony,Rain Gutters,Storage,Professional Landscaping,Screens,Garden
  • Spa features: Bath
  • Has view: Yes
  • View description: Scenic View(s),Water,Ocean,Public Water View
  • Has water view: Yes
  • Water view: Ocean,Public,Water
  • Waterfront features: Beach Access,Harbor,Ocean,Walk to,0 to 1/10 Mile To Beach,Beach Ownership(Public)

Lot

  • Lot size: 7,350 sqft

Parking

  • Total spaces: 4
  • Parking features: Paved Drive,Off Street,Paved
  • Has uncovered spaces: Yes
  • Uncovered spaces: 4

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
  • Ice Storm
    Ice StormModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Coastal Flooding
Ice Storm
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 $7,205$86,460
Home Insurance *$488$5,856
Property Taxes $1,149$13,788
Electricity $705$8,466
Total$9,547$114,564
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$327,325/yr
40% on housing$286,410/yr
45% on housing$254,586/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

$398This listing

vs Other Active Listings

Avg $/sqft

ZIP 01930$515
Essex County$385

vs Homes Sold Last Month

Median $/sqft

ZIP 01930$426
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
2026-05-13Price change$1,599,000
2026-04-19Listed for sale$1,650,000
2011-05-06Sold$550,000
2011-03-02Listed for sale$599,000
2010-12-18Listing removed$599,000
2010-07-28Price change$599,000
2010-05-26Listed for sale$649,000
2009-11-22Listing removed$649,000
2009-06-27Price change$649,000
2009-02-11Listed for sale$675,000
1997-08-29Sold$155,000
1991-11-27Sold$160,000
1991-07-16Sold$165,500
1987-09-23Sold$183,000

For Sale by Agent

AgentMary Matthews
BrokerageColdwell Banker Realty - Manchester

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