146 Spencer St, Boston MA 02124

Boston, MA 02124 • Dorchester's Dorchester Center
$1,049,900
$999,900
Est. $6,129/month
Estimate assumptions

20% down, a 30-year loan at 6.5%, and $200/month estimated insurance.

Includes the supplied property-tax and HOA inputs; missing inputs contribute $0. HOA fees with an unspecified frequency are treated as monthly. PMI and closing costs are excluded.

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9
Beds
3
Baths
3,237
Sq Ft
$309
Price/Sq Ft
0.07
Acres
1905
Year Built
96
Days on Market
Sale Pending Price Drop -$50,000 Listed Mar 18, 2026 • MLS# 73488587 Copied! • Updated Sep 10, 2026

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About this home

Attention! Rare opportunity to own a spacious triple-decker in a desirable Dorchester location, offering excellent income potential for investors or owner-occupants. Each unit features a functional layout with living room, dining area, kitchen, and multiple bedrooms, along with hardwood floors and good natural light throughout. Need TLC. Situated on a convenient street with off-street parking and a private yard, and close to public transportation, shops, restaurants, and major routes. Bring your vision and don’t miss this value-add opportunity in Boston.

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Recently Sold Nearby

Property History

Market Insights

1
Price Changes
4.8%
Price Range

Property Timeline

⏳
Pending Sale
Jun 23, 2026
Offer accepted, sale pending
↓
Price Reduced
May 28, 2026
$999,900 $50,000 (-4.76%)
From $1,049,900 to $999,900 (-4.8%)
🏠
Listed for Sale
Mar 18, 2026
$1,049,900
Original listing
Office: Century 21 North East

Tax History

Year Taxes Assessment
2025 $10,480 $905,000

Financial Details

Annual Property Tax
$10,480
Tax Year 2025
Assessed Value
$905,000

Facts & Features

Home Facts

Type Residential Income
Style 3 Family - 3 Units Up/Down
Year Built 1905
Living Area 3,237 sq ft
Lot Size 0.07 acres
Stories 3
Bedrooms 9
Full Baths 3
Total Rooms 15

Investment Metrics

Units 3
Unit 1 Rent — · N
Unit 2 Rent — · N
Unit 3 Rent — · N
Heating Natural Gas
Cooling None
Flooring Vinyl
Appliances Washer, Dryer, Range, Refrigerator
Fireplace None
Basement Unfinished
Laundry None
Features Bathroom With Tub & Shower, Living Room, Kitchen
Construction None
Architecture None
Roof Rubber
Features None
Pool None
Spa None
Fencing Fenced
Patio/Porch Porch
Features On Street
Electric Circuit Breakers
Water Public
Sewer Public Sewer
Gas None
Other For Gas Range

Financial

Annual Tax $10,480
Assessed Value $905,000
Fee Includes None
Amenities None
Optional Fee Includes None
Down Payment Resource Eligible
Lead Paint Certified Treated, Unknown
Seller Disclosures Lead Compliance Cert For #2 Only. Property To Be Sold As-is. All Measurements Approximate. Buyer And Buyer’s Agent To Perform Due Diligence.
Possession None
Accepted Financing None
Structure Type []
Sq Ft Source Public Record
Documents None
County Suffolk
Total market time (incl. prior listings) 97 days

Property Overview

Property Type
3 Family - 3 Units Up/Down
Listing Type
Sale Pending
Year Built
1905
Bedrooms
9
Full Bathrooms
3
Living Area
3,237 sq ft
Total Rooms
15
Stories
3
Levels
3

Floor Layout

Interior Features

Flooring: Vinyl
Appliances: Washer, Dryer, Range, Refrigerator
Interior Features: Bathroom With Tub & Shower, Living Room, Kitchen
Windows:
Basement: Unfinished
Laundry:
Security:

Construction & Materials

Year Built: 1905
Structure Type:
Exterior Materials:
Roof: Rubber
Foundation: Stone
Stories: 3

Heating, Cooling & Utilities

Heating: Natural Gas
Cooling:
Hot Water: Natural Gas
Water Source: Public
Sewer: Public Sewer
Energy Features:

Exterior & Lot

Exterior Features:
Patio & Porch: Porch
Fencing: Fenced
Other Structures:
Lot Features: Other
Road Surface:

Parking & Garage

Parking Features: On Street

Nearby Schools

School information not available for this location.

Monthly Payment Calculator

Monthly Payment
$0
Principal, interest, taxes & insurance
Loan Amount
$0
After down payment
Total Interest
$0
Over life of loan
Total Cost
$0
Including down payment
%
Down: $0
%

Monthly Payment Breakdown

Principal & Interest $0
Property Tax $873
Homeowners Insurance $200
PMI (if <20% down) $0

Loan Summary

Total of 360 payments $0
Total principal paid $0
Total interest paid $0

Rate Impact

-0.5% Rate
$0/mo
Save $0/mo
Current Rate
$0/mo
+0.5% Rate
$0/mo
Cost $0/mo

Payment Over Time

Interest
Principal
Year 1
95% Interest
Year 15
50/50
Year 30
95% Principal
* Estimates only. Actual payments may vary. Consult with a lender for accurate figures.

Location

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Neighborhood

Dorchester's Dorchester Center

146 Spencer St, Boston MA 02124

Boston, MA 02124

Listing Information

Listing Agent Vicky Xiao
Listing Office Century 21 North East
Office Phone 781-893-4220
Agent MLS ID CN220139
Office MLS ID AN4341
Listing Data Updated Sep 10, 2026 9:15 AM EDT
Listing information is deemed reliable but not guaranteed. Data provided by MLS Property Information Network, Inc. All information should be independently verified.

Contact Us

Steve Novak Real Estate
Steve Novak Real Estate
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