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86 Mount Vernon St #2, Somerville, MA, 02145

2beds
1baths
653sqft
$524,900
$804price/sqft
$3,595/moest. monthly cost
$143,800/yrincome needed

About This Home

Tucked away on the top floor, this inviting penthouse corner unit offers the perfect blend of comfort, character, and convenience. Hardwood floors flow throughout the open-concept living space, while the kitchen features granite countertops, maple cabinetry, and Frigidaire stainless steel appliances, making it ideal for both everyday living and entertaining. Two generously sized bedrooms, an updated full bath, and the convenience of in-unit laundry complete the home. Ideally situated on a quiet one-way street between Union and Sullivan Squares near the Charlestown line, this location is a commuter's dream with easy access to the Orange Line, I-93, McGrath Highway, Assembly Row, Encore, shopping, restaurants, Whole Foods, and everything vibrant Somerville has to offer.

Getting Around

89
WalkingVery Walkable
90
TransitRider's Paradise
91
BikeBiker's Paradise

Schools

6/10
Somerville High SchoolGrades 9-120.8 mi

Construction

Condition

  • Year built: 1900

Type & Style

  • Home type: Condo
  • Property subType: Condominium

Interior

Appliances

  • Appliances included: Range,Dishwasher,Refrigerator,Washer,Dryer
  • Laundry features: Fourth Floor,In Unit

Bathroom1

  • Features: Bathroom - Full, Flooring - Stone/Ceramic Tile
  • Level: Second
  • Area: 108

Bedroom2

  • Features: Flooring - Hardwood
  • Level: Second
  • Area: 108

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 1
  • Full bathrooms: 1

Features

  • Flooring: Tile,Hardwood
  • Finished area above ground: 653
  • Common walls with other units/homes: No One Above

Heating & Cooling

  • Heating features: Forced Air,Natural Gas
  • Cooling features: Window Unit(s)

Interior Area

  • Total structure area: 653
  • Total interior livable area: 653 sqft

Kitchen

  • Features: Flooring - Hardwood, Countertops - Stone/Granite/Solid, Recessed Lighting, Stainless Steel Appliances
  • Level: Second
  • Area: 121

Living Room

  • Features: Flooring - Hardwood
  • Level: Second
  • Area: 165

Master Bedroom

  • Features: Flooring - Hardwood
  • Level: Second
  • Area: 132

Property

Details

  • Parcel number: M:0105 B:000D L:0023862,4436370
  • Attached to another structure: Yes
  • Zoning: NR

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

  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

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 $2,654$31,848
Home Insurance *$118$1,416
Property Taxes $469$5,628
Electricity $354$4,259
Total$3,595$43,140
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$123,257/yr
40% on housing$107,850/yr
45% on housing$95,866/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: 7.6%
7.6%
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

$804This listing

vs Other Active Listings

Avg $/sqft

ZIP 02145$485
Middlesex County$437

vs Homes Sold Last Month

Median $/sqft

ZIP 02145$477
Middlesex County$413

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
2026-08-05Price change$499,900
2026-07-16Listed for sale$524,900
2015-12-10Sold$335,000
2015-10-20Price change$344,900
2015-07-15Price change$349,900
2015-05-20Listed for sale$375,000
2013-08-05Sold$265,000
2011-05-29Listing removed$259,000
2011-04-29Listed for sale$259,000
2005-05-27Sold$269,900

For Sale by Agent

AgentTeam Blue
BrokerageERA Key Realty Services

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