21 McDonald St Spencer, MA 01562
5
Beds
2
Baths
2,398
Sq Ft
8,950
Sq Ft Lot
Highlights
- Golf Course Community
- Deck
- Tennis Courts
- Medical Services
- Property is near public transit
- Jogging Path
About This Home
As of May 2025This well-maintained 2-unit multi-family is the perfect opportunity for investors or owner-occupants looking to offset their mortgage! Each unit offers 3 bedrooms and 1 bathroom, with the first-floor unit delivered vacant and move-in ready. Fresh updates include new flooring and paint throughout the interior, along with a new gas boiler for the second-floor unit. The upstairs tenants are long-term, month-to-month, providing immediate rental income. Situated close to downtown in a prime commuter location, this property offers convenience, stability, and potential for strong returns. Whether you're looking to expand your portfolio or settle into a home with rental income, this opportunity won’t last long—schedule your showing today!
Last Buyer's Agent
Alyssa Coyle
Real Broker MA, LLC
Property Details
Home Type
- Multi-Family
Est. Annual Taxes
- $3,781
Year Built
- Built in 1860
Lot Details
- 8,950 Sq Ft Lot
- Level Lot
Home Design
- Stone Foundation
Interior Spaces
- 2,398 Sq Ft Home
- Property has 1 Level
- Basement Fills Entire Space Under The House
Kitchen
- Range
- Freezer
- Dishwasher
Bedrooms and Bathrooms
- 5 Bedrooms
- 2 Full Bathrooms
Laundry
- Dryer
- Washer
Parking
- 6 Car Parking Spaces
- Driveway
- Paved Parking
- Open Parking
Outdoor Features
- Deck
- Porch
Location
- Property is near public transit
- Property is near schools
Utilities
- Heating System Uses Natural Gas
- Heating System Uses Oil
Listing and Financial Details
- Total Actual Rent $1,800
- Rent includes unit 2(water)
- Assessor Parcel Number M:00U04 B:00042 L:00000,1692256
Community Details
Amenities
- Medical Services
- Shops
- Coin Laundry
Recreation
- Golf Course Community
- Tennis Courts
- Park
- Jogging Path
Additional Features
- 2 Units
- Net Operating Income $21,600
Ownership History
Date
Name
Owned For
Owner Type
Purchase Details
Listed on
Mar 19, 2025
Closed on
May 29, 2025
Sold by
Berman Cody D and Kowalchek-Berman Lauren
Bought by
Martinez Carmen and Martinez Carmen K
Seller's Agent
We Close Deals Team
Lamacchia Realty, Inc.
Buyer's Agent
Alyssa Coyle
Real Broker MA, LLC
List Price
$425,000
Sold Price
$450,000
Premium/Discount to List
$25,000
5.88%
Total Days on Market
6
Views
32
Home Financials for this Owner
Home Financials are based on the most recent Mortgage that was taken out on this home.
Avg. Annual Appreciation
-69.41%
Original Mortgage
$443,813
Outstanding Balance
$443,813
Interest Rate
6.83%
Mortgage Type
FHA
Estimated Equity
-$24,688
Purchase Details
Closed on
Oct 14, 2022
Sold by
Berman Cody
Bought by
Berman Cody D and Kowalchek Lauren
Home Financials for this Owner
Home Financials are based on the most recent Mortgage that was taken out on this home.
Original Mortgage
$286,000
Interest Rate
6.02%
Mortgage Type
Stand Alone Refi Refinance Of Original Loan
Purchase Details
Listed on
Aug 24, 2013
Closed on
Oct 30, 2013
Sold by
Lemieux Timothy M and Lemieux Danielle M
Bought by
Sthilaire David R
Seller's Agent
Seth Campbell Realty Group
Keller Williams Boston MetroWest
Buyer's Agent
Seth Campbell Realty Group
Keller Williams Boston MetroWest
List Price
$164,900
Sold Price
$165,000
Premium/Discount to List
$100
0.06%
Home Financials for this Owner
Home Financials are based on the most recent Mortgage that was taken out on this home.
Avg. Annual Appreciation
8.34%
Original Mortgage
$156,750
Interest Rate
4.52%
Mortgage Type
New Conventional
Purchase Details
Closed on
Apr 1, 1988
Sold by
Frelick James A
Bought by
Daigle Richard W
Similar Homes in Spencer, MA
Create a Home Valuation Report for This Property
The Home Valuation Report is an in-depth analysis detailing your home's value as well as a comparison with similar homes in the area
Home Values in the Area
Average Home Value in this Area
Purchase History
| Date | Type | Sale Price | Title Company |
|---|---|---|---|
| Deed | $452,000 | None Available | |
| Quit Claim Deed | -- | None Available | |
| Quit Claim Deed | -- | None Available | |
| Quit Claim Deed | -- | None Available | |
| Not Resolvable | $165,000 | -- | |
| Deed | $112,000 | -- |
Source: Public Records
Mortgage History
| Date | Status | Loan Amount | Loan Type |
|---|---|---|---|
| Open | $443,813 | FHA | |
| Previous Owner | $286,000 | Stand Alone Refi Refinance Of Original Loan | |
| Previous Owner | $161,933 | VA | |
| Previous Owner | $156,750 | New Conventional | |
| Previous Owner | $50,000 | No Value Available | |
| Previous Owner | $99,000 | No Value Available |
Source: Public Records
Property History
| Date | Event | Price | Change | Sq Ft Price |
|---|---|---|---|---|
| 05/28/2025 05/28/25 | Sold | $450,000 | +5.9% | $188 / Sq Ft |
| 03/25/2025 03/25/25 | Pending | -- | -- | -- |
| 03/19/2025 03/19/25 | For Sale | $425,000 | +41.7% | $177 / Sq Ft |
| 07/13/2022 07/13/22 | Sold | $299,900 | 0.0% | $125 / Sq Ft |
| 06/13/2022 06/13/22 | Pending | -- | -- | -- |
| 06/09/2022 06/09/22 | For Sale | $299,900 | +81.8% | $125 / Sq Ft |
| 10/30/2013 10/30/13 | Sold | $165,000 | +0.1% | $58 / Sq Ft |
| 09/30/2013 09/30/13 | Pending | -- | -- | -- |
| 08/24/2013 08/24/13 | For Sale | $164,900 | -1.6% | $58 / Sq Ft |
| 04/27/2012 04/27/12 | Sold | $167,500 | -14.1% | $59 / Sq Ft |
| 03/28/2012 03/28/12 | Pending | -- | -- | -- |
| 07/22/2011 07/22/11 | For Sale | $195,000 | -- | $69 / Sq Ft |
Source: MLS Property Information Network (MLS PIN)
Tax History Compared to Growth
Tax History
| Year | Tax Paid | Tax Assessment Tax Assessment Total Assessment is a certain percentage of the fair market value that is determined by local assessors to be the total taxable value of land and additions on the property. | Land | Improvement |
|---|---|---|---|---|
| 2025 | $38 | $322,100 | $36,400 | $285,700 |
| 2024 | $3,393 | $296,600 | $36,400 | $260,200 |
| 2023 | $3,226 | $267,500 | $36,400 | $231,100 |
| 2022 | $3,237 | $246,000 | $33,100 | $212,900 |
| 2021 | $2,764 | $196,900 | $33,100 | $163,800 |
| 2020 | $2,626 | $186,000 | $33,100 | $152,900 |
| 2019 | $2,735 | $197,300 | $29,800 | $167,500 |
| 2018 | $2,386 | $177,800 | $34,700 | $143,100 |
| 2017 | $2,455 | $175,600 | $33,100 | $142,500 |
| 2016 | $2,409 | $168,600 | $33,100 | $135,500 |
| 2015 | $2,406 | $176,000 | $38,300 | $137,700 |
| 2014 | $2,314 | $176,000 | $38,300 | $137,700 |
Source: Public Records
Agents Affiliated with this Home
-
We Close Deals Team
W
Seller's Agent in 2025
We Close Deals Team
Lamacchia Realty, Inc.
(508) 612-0821
2 in this area
19 Total Sales
-
Brooke Packard
B
Seller Co-Listing Agent in 2025
Brooke Packard
Lamacchia Realty, Inc.
(508) 612-0821
5 in this area
161 Total Sales
-
A
Buyer's Agent in 2025
Alyssa Coyle
Real Broker MA, LLC
(508) 414-6222
1 in this area
41 Total Sales
-
James Black
Seller's Agent in 2022
James Black
Real Broker MA, LLC
(508) 365-3532
37 in this area
835 Total Sales
-
S
Seller's Agent in 2013
Seth Campbell Realty Group
Keller Williams Boston MetroWest
-
S
Seller's Agent in 2012
Sherrie Hart
Century 21 Toomey-Lovett
Map
Source: MLS Property Information Network (MLS PIN)
MLS Number: 73348016
APN: SPEN-000004U-000042
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