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48 Phillips Rd Unit 12, Holden, MA, 01520

1beds
1baths
908sqft
$315,000
$347price/sqft
$2,403/moest. monthly cost
$96,120/yrincome needed

About This Home

** Open house on Sunday 8/16 Noon-1pm. ** $10,000 price reduction! ** All the convenience of living in Holden Center with the enjoyment of easy living at this bright and spacious handicapped accessible Rice School condo overlooking a small town park & playground. Open concept, high ceilings, and huge windows let in loads of natural light. Large walk-in closet offers generous storage, plus an additional storage room just down the hall. Laundry room in the unit. Very quiet building, without age restrictions. Two deeded parking spots conveniently located right outside your window. This is one of only two units in the building designed for handicapped access, with ground level walk-in access, and wide doorways throughout. Plus, no heating bills! The condo fee includes heat, hot water and sewer. This quiet location is about a quarter mile from Gale Free Library, Sweets & Java, the Post Office and more. All furniture is also available for sale, or inclusion for the right offer. Quick closing possible.

Getting Around

50
WalkingSomewhat Walkable
0
TransitVery Limited Transit
36
BikeSomewhat Bikeable

Schools

9/10
7/10
Mountview Middle SchoolGrades 6-82.1 mi
7/10

Construction

Condition

  • Year built: 1959

Notable Dates

  • Major remodel year: 2007

Type & Style

  • Home type: Condo
  • Property subType: Condominium

Interior

Appliances

  • Appliances included: Range,Dishwasher,Microwave,Refrigerator,Washer,Dryer,Plumbed For Ice Maker
  • Laundry features: Electric Dryer Hookup,Washer Hookup,First Floor,In Unit

Bathroom1

  • Features: Bathroom - Full, Bathroom - With Tub & Shower, Flooring - Stone/Ceramic Tile
  • Level: First
  • Area: 63

Bedrooms & Bathrooms

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

Features

  • Window features: Insulated Windows
  • Flooring: Tile
  • Finished area above ground: 908
  • Common walls with other units/homes: Corner

Heating & Cooling

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

Interior Area

  • Total structure area: 908
  • Total interior livable area: 908 sqft

Kitchen

  • Features: Flooring - Vinyl, Recessed Lighting
  • Level: First
  • Area: 144

Living Room

  • Features: Flooring - Vinyl, Recessed Lighting
  • Level: First
  • Area: 285

Master Bedroom

  • Features: Walk-In Closet(s), Flooring - Vinyl, Recessed Lighting
  • Level: First
  • Area: 180

Property

Accessibility

  • Accessibility features: Accessible Entrance

Details

  • Parcel number: M:0147 B:0516 L:0000,4729546
  • Zoning: res

Features

  • Entry location: Unit Placement(Front,Ground)

Parking

  • Total spaces: 2
  • Parking features: Off Street,Deeded,Paved
  • Has uncovered spaces: Yes
  • Uncovered spaces: 2

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
  • Hurricane
    HurricaneModerate
  • Ice Storm
    Ice StormModerate
  • Strong Wind
    Strong WindModerate

How This Home’s Risks Compare

Cold Wave
Hurricane
Ice Storm
Strong Wind

FEMA Declared Disasters Across Massachusetts Counties

Flood
Hurricane
Severe Storm

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 $1,592$19,104
Home Insurance *$102$1,224
Property Taxes $355$4,260
Electricity $354$4,259
Total$2,403$28,836
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$82,388/yr
40% on housing$72,090/yr
45% on housing$64,080/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: 7.8%
7.8%
0%30.0%
Electricity Growth Rate10-year average: 7.9%
7.9%
0%15.0%
Property Taxes Growth Rate2-year average: 1.3%
1.3%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$347This listing

vs Other Active Listings

Avg $/sqft

ZIP 01520$303
Worcester County$265

vs Homes Sold Last Month

Median $/sqft

ZIP 01520$297
Worcester County$281

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
2026-08-11Price change$305,000
2026-06-03Listed for sale$315,000
2020-10-30Sold$1,500
2016-08-09Sold$143,000
2016-06-09Pending sale$158,900
2016-06-09Listed for sale$158,900
2016-05-02Listing removed$158,900
2016-04-11Pending sale$158,900
2016-02-16Price change$158,900
2015-09-29Pending sale$159,900
2015-08-26Price change$159,900
2015-07-29Price change$164,900
2015-06-27Listed for sale$169,900
2008-11-26Sold$159,000

For Sale by Agent

AgentSold Squad
BrokerageRE/MAX Prof Associates

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