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129 M St #1, South Boston, MA, 02127

4beds
2baths
1,074sqft
$875,000
$815price/sqft
$5,841/moest. monthly cost
$233,640/yrincome needed

About This Home

Turnkey South Boston investment opportunity or ideal owner-occupant home. This renovated 4-bedroom, 1.5-bath lower duplex sits between M Street Beach and the shops, restaurants, and energy of E Broadway retail options. Offering over 1,000 square feet across two levels, the home features a smart, flexible layout with two bedrooms and a bathroom on each floor, making it well-suited for investors, roommates, or buyers looking for extra work-from-home space. The updated kitchen features stainless steel appliances, granite countertops, and excellent functionality. A true standout is the private deck and exclusive backyard, creating rare outdoor space for summer barbecues, gardening, entertaining, or relaxing after the beach. In-unit laundry, hardwood floors throughout, central air conditioning, and move-in-ready condition complete this South Boston gem.

Getting Around

83
WalkingVery Walkable
0
TransitVery Limited Transit
78
BikeVery Bikeable

Schools

7/10
Perry Elementary SchoolGrades PK-60.2 mi
3/10
James F. Condon SchoolGrades PK-81.0 mi
2/10
Excel High SchoolGrades 9-120.6 mi

Construction

Condition

  • Year built: 1890

Materials

  • Construction materials: Frame

Type & Style

  • Home type: Condo
  • Property subType: Condominium

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Microwave,Refrigerator,Washer,Dryer
  • Laundry features: In Unit

Basement

  • Has basement: Yes

Bedrooms & Bathrooms

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

Features

  • Flooring: Wood,Tile
  • Number of fireplaces: 1
  • Fireplace: Yes
  • Finished area below ground: 500
  • Finished area above ground: 574

Heating & Cooling

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

Interior Area

  • Total structure area: 1,074
  • Total interior livable area: 1,074 sqft

Property

Details

  • Parcel number: W:06 P:02551 S:002,4394794
  • Zoning: CD

Features

  • Patio & porch: Deck - Wood
  • Exterior features: Deck - Wood,Fenced Yard,Garden
  • Fencing: Fenced
  • Waterfront features: Bay,Harbor,Ocean,Direct Access,Walk to,3/10 to 1/2 Mile To Beach,Beach Ownership(Public)

Lot

  • Lot size: 1,074 sqft

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

  • Heat Wave
    Heat WaveModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Heat Wave
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 $4,424$53,088
Home Insurance *$217$2,604
Property Taxes $846$10,152
Electricity $354$4,259
Total$5,841$70,092
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$200,262/yr
40% on housing$175,230/yr
45% on housing$155,760/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: 7.3%
7.3%
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

$815This listing

vs Other Active Listings

Avg $/sqft

ZIP 02127$597
Suffolk County$575

vs Homes Sold Last Month

Median $/sqft

ZIP 02127$747
Suffolk County$453

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
2026-06-09Listed for sale$875,000
2023-05-24Listing removed--
2023-05-23Listed for rent$5,300
2022-11-16Listing removed$850,000
2022-09-22Listed for sale$850,000
2022-09-20Listing removed--
2022-08-29Price change$5,000
2022-08-02Price change$5,300
2022-06-03Listing removed--
2022-06-01Listed for rent$5,500
2021-03-12Sold$791,500
2021-02-10Pending sale$799,000
2021-02-09Listed for sale$799,000
2015-08-07Sold$535,000
2015-07-01Pending sale$499,900
2015-07-01Listed for sale$499,900
2012-08-15Sold$498,000
2005-06-03Sold$432,000
2003-05-23Sold$375,000

For Sale by Agent

AgentChris Fitzpatrick
BrokerageFitzpatrick Real Estate

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