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24 Bay State Rd Unit 4, Cambridge, MA, 02138

3beds
3baths
1,273sqft
$1,200,000
$943price/sqft
$7,250/moest. monthly cost
$290,000/yrincome needed

About This Home

Coveted accessible location in Cambridge, this garden-level condo has all the bells and whistles. Bay State Flats condominiums were built in 2006. This unique unit enjoys three spacious bedrooms, 2.5 spa-inspired baths, an in-unit laundry, a private fenced-in patio and yard, plus one underground deeded garage parking space with heated driveway. The garden single-level condo enjoys central air comfort for all seasons. The foyer, with a double-sized closet, adds convenient storage. The guest half bath has an in-unit laundry closet. Newly installed bamboo floors flow throughout the living spaces, complemented by recessed and mood lighting in the kitchen and baths, complementing the marble tile. The chef's kitchen impresses with a new induction stove and oven, microwave, garbage disposal, abundant cabinetry, and an adjacent pantry. Caesar stone countertops with a breakfast bar open seamlessly to the sun-filled living room. The primary bedroom offers generous space, two closets, large windows, and an ensuite bath featuring dual sinks and a soaking tub with shower. A second bedroom includes a double-door closet and an ensuite bathroom with an elegant glass-door shower. The third bedroom enjoys bright backyard views. Step outside to your exclusive fenced-in backyard, a private garden sanctuary with mature plantings, perennial beds, five trees including a Ginkgo, and extra-large patio. Bicycles and strollers fit easily in your garage space or rent a private locked storage closet for just $25 monthly. Walk to Whole Foods, Trader Joe's, restaurants, movie theater, yoga studio, the Red Line T, and nearby bus tops to Harvard Square. This location has a coveted 99 out of 100 bike score with paths and recreational trails encircling Fresh Pond, Danehy Park, and Alewife preservation land. Convenient daycare, elementary, and middle schools are all within easy walking distance. Routes 2, 90, and 95 provide quick highway access. Remarkably low residential tax rate. This is Cambridge living at its finest. Don’t miss this opportunity to make 24 Bay State Rd, Unit 4 your home!

Getting Around

85
WalkingVery Walkable
60
TransitGood Transit
99
BikeBiker's Paradise

Schools

7/10
Peabody SchoolGrades PK-50.7 mi
8/10

Construction

Condition

  • Year built: 2006

Type & Style

  • Home type: Condo
  • Property subType: Condominium

Interior

Appliances

  • Appliances included: Range,Dishwasher,Disposal,Microwave,Refrigerator,Freezer,Washer,Dryer,Range Hood
  • Laundry features: First Floor,In Unit

Bathroom1

  • Features: Bathroom - Double Vanity/Sink, Bathroom - Tiled With Tub & Shower, Flooring - Stone/Ceramic Tile
  • Level: First
  • Area: 48

Bathroom2

  • Features: Bathroom - Full, Bathroom - Tiled With Shower Stall
  • Level: First
  • Area: 40

Bathroom3

  • Features: Bathroom - Half
  • Level: First
  • Area: 42

Bedroom2

  • Features: Bathroom - Full, Closet, Recessed Lighting
  • Level: First
  • Area: 182

Bedroom3

  • Features: Closet, Recessed Lighting
  • Level: First
  • Area: 156

Bedrooms & Bathrooms

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

Dining Room

  • Level: First
  • Area: 108

Features

  • Closet,Pantry,Entrance Foyer,Elevator
  • Door features: Storm Door(s)
  • Window features: Insulated Windows
  • Flooring: Bamboo
  • Finished area below ground: 0
  • Finished area above ground: 1,273
  • Common walls with other units/homes: Corner

Heating & Cooling

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

Interior Area

  • Total structure area: 1,273
  • Total interior livable area: 1,273 sqft

Kitchen

  • Level: First
  • Area: 128

Living Room

  • Level: First
  • Area: 135

Master Bathroom

  • Features: Yes

Master Bedroom

  • Features: Bathroom - Full, Bathroom - Double Vanity/Sink, Closet, Recessed Lighting
  • Level: First
  • Area: 165

Property

Accessibility

  • Accessibility features: Accessible Entrance

Details

  • Parcel number: M:00261 L:0007400004,4686301
  • Zoning: Res C-1
  • Other equipment: Intercom

Features

  • Entry location: Unit Placement(Ground,Garden)
  • Patio & porch: Patio
  • Exterior features: Patio,Fenced Yard,Garden
  • Fencing: Fenced

Parking

  • Total spaces: 1
  • Parking features: Attached,Under,Garage Door Opener,Heated Garage,Deeded,Off Street,On Street,Paved
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1
  • 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

  • Inland Flooding
    Inland FloodingModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Inland Flooding
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 $6,067$72,804
Home Insurance *$201$2,412
Property Taxes $628$7,536
Electricity $354$4,259
Total$7,250$87,000
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$248,571/yr
40% on housing$217,500/yr
45% on housing$193,333/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

$943This listing

vs Other Active Listings

Avg $/sqft

ZIP 02138$842
Middlesex County$437

vs Homes Sold Last Month

Median $/sqft

ZIP 02138$1,072
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)

No zestimate history available

Price History

DateEventPrice
2026-08-05Pending sale$1,200,000
2026-07-29Listed for sale$1,200,000
2014-08-28Sold$730,000
2014-07-28Pending sale$725,000
2014-07-23Listed for sale$725,000
2007-04-04Sold$539,900

For Sale by Agent

AgentAmy Kirsch
BrokerageLeading Edge Real Estate

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