165 Cottage St # 207, Chelsea MA 02150

Chelsea, MA 02150
$385,000
Est. $3,060/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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2
Beds
1.5
Baths
865
Sq Ft
$445
Price/Sq Ft
1987
Year Built
1
Parking
20
Days on Market
For Sale Listed Sep 30, 2026 • MLS# 73584743 Copied! • Updated Oct 15, 2026

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About this home

Thinking you can’t afford to buy yet in this market? Think again. Qualified buyers may be eligible for up to $25,000 in grant assistance, plus special financing programs with low down payment options and low rates. Owner-occupants may also qualify for the city’s residential tax exemption for added annual savings. Reach out to see what you qualify for!Enjoy low-maintenance living in an inviting, beautifully updated 2BR, 1.5BA condo offering 865 SF of living space. The updated open concept kitchen features beautiful cabinetry, granite countertops, and a new stainless steel oven, creating a stylish and functional space for everyday living and entertaining. The primary bedroom features a large walk-in closet with exceptional storage. Central air and heat keep you comfortable year-round, and convenient laundry hookups are located in the unit. One exclusive parking space as well as a designated storage unit are included. The HOA fee of $585/month includes the master insurance, professional on-site management, gated community, in-ground pool, fitness center, sauna, clubhouse, rentable conference room, water & sewer, trash removal, and exterior and common area maintenance i.e. landscaping and snow removal. Ideally located near the MBTA Silver Line, Chelsea Commuter Rail, major highways, shopping, dining, bike paths, beaches, and Boston.

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Recently Sold Nearby

Price & Status History

Property Timeline

🏠
Listed for Sale
Sep 30, 2026
$385,000
Original listing
Agent: Jennifer Wu Office: PRIVI Realty LLC

Tax History

Year Taxes Assessment
2027 $3,933 $342,600

Financial Details

Annual Property Tax
$3,933
Tax Year 2027
HOA Fee
$585
Monthly
Assessed Value
$342,600

Facts & Features

Central AC

Home Facts

Type Residential
Style Condominium
Year Built 1987
Living Area 865 sq ft
Stories 1
Bedrooms 2
Full Baths 1
Half Baths 1
Total Rooms 4

Interior

Heating Forced Air
Cooling Central Air
Flooring None
Appliances Range, Dishwasher, Disposal, Microwave, Refrigerator
Fireplace None
Basement N
Laundry In Unit, Washer Hookup
Features None

Exterior

Construction None
Architecture None
Roof None
Features None
Pool Association, In Ground
Spa None
Fencing Security
Patio/Porch None
Features Exclusive Parking
Total Spaces 1
Electric None
Water Public
Sewer Public Sewer
Gas None
Other Washer Hookup
Annual Tax $3,933
Assessed Value $342,600

HOA & Community

HOA Fee $585 Monthly
Fee Includes Water, Sewer, Insurance, Maintenance Structure, Road Maintenance, Maintenance Grounds, Snow Removal, Trash
Amenities Pool, Elevator(s), Fitness Center, Sauna/steam, Clubhouse
Optional Fee Includes None
Down Payment Resource Eligible
Pets Yes w/ Restrictions
Lead Paint Unknown
Seller Disclosures Listing Agent Is Related To Seller. Annual Property Taxes Noted Do Not Reflect Fy 2026 Residential Exemption. A Taxpayer Who Owns And Occupies A Residential Property As Their Principal Residence As Of January 1, 2027 May Apply For Exemption For Fy 2028 (july 1, 2027-june 30, 2028).
Possession None
Accepted Financing None
Structure Type ["Mid-Rise"]
Unit/Building 207
Sq Ft Source Public Record
Documents None
County Suffolk
Total market time (incl. prior listings) 15 days

Property Overview

Property Type
Condominium
Listing Type
For Sale
Year Built
1987
Bedrooms
2
Full Bathrooms
1
Half Bathrooms
1
Living Area
865 sq ft
Total Rooms
4
Stories
1
Entry Level
2

Floor Layout

Interior Features

Flooring:
Appliances: Range, Dishwasher, Disposal, Microwave, Refrigerator
Interior Features:
Windows:
Basement: N
Laundry: In Unit, Washer Hookup
Security: Intercom, Security Gate

Construction & Materials

Year Built: 1987
Structure Type: Mid-Rise
Exterior Materials:
Roof:
Foundation:
Stories: 1

Utilities & Systems

Heating: Forced Air
Cooling: Central Air
Hot Water:
Water Source: Public
Sewer: Public Sewer
Energy Features:

Exterior & Lot

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

Parking & Garage

Total Parking Spaces: 1
Parking Features: Exclusive Parking
School District
Chelsea School District local
C-
⚠ School Safety 2024-25
5.2% Above Average
2.9% Suspensions 1.7% In-School 2.3% Emergency
↓ 0.3% below state avg
E

Elementary Schools

7 schools
St. Rose Elementary School
0.5 mi
Grades PK-08
Chelsea Virtual Learning Academy
0.8 mi
38 students Less Diverse
College Ready Curriculum
Grades K-12
Shurtleff Early Childhood School
0.5 mi
769 students Less Diverse
Grades PK-01
B+
William A Berkowitz Elementary School
0.8 mi | #287 of 825 | Score: 51.1
Improved 1 spots from last year
-7.1 below state avg
428 students Less Diverse
Grades 01-04
B
Edgar A Hooks Elementary School
0.8 mi | #409 of 825 | Score: 47.5
Improved 97 spots from last year
-10.7 below state avg
406 students Less Diverse
Rising School
Grades 01-04
C
Frank M Sokolowski Elementary School
0.8 mi | #631 of 825 | Score: 39.4
Improved 78 spots from last year
-18.8 below state avg
430 students Less Diverse
Rising School
Grades 01-04
C
George F. Kelly Elementary School
0.8 mi | #648 of 825 | Score: 38.4
Improved 182 spots from last year
-19.8 below state avg
471 students Less Diverse
Rising School
Grades 01-04
M

Middle Schools

3 schools
D
Clark Avenue School
0.6 mi | #329 of 352 | Score: 28.2
Improved 32 spots from last year
-30 below state avg
641 students Less Diverse
Rising School
Grades 05-08
C-
Joseph A. Browne School
0.7 mi | #285 of 352 | Score: 33.1
Improved 61 spots from last year
-25.2 below state avg
501 students Less Diverse
Rising School
Grades 05-08
B
Eugene Wright Science and Technology Academy
0.7 mi | #9 of 16 | Score: 30.0
Improved 348 spots from last year
-28.2 below state avg
418 students Less Diverse
Rising School
Grades 05-08
H

High Schools

3 schools
Seaport Academy School
1.2 mi
Grades 07-12
C
Chelsea Opportunity Academy
1.1 mi | #294 of 346 | Score: 59.3
Same rank as last year
115 students Less Diverse
College Ready Curriculum
Grades 09-12
C-
Chelsea High School
1.1 mi | #284 of 346 | Score: 43.0
Improved 24 spots from last year
-15.2 below state avg
1,532 students Less Diverse
12 sports • 796 athletes
Early College Program Rising School College Ready Curriculum
Grades 09-12
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Loan Amount
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After down payment
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Over life of loan
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Including down payment
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Down: $0
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Monthly Payment Breakdown

Principal & Interest $0
Property Tax $328
Homeowners Insurance $200
HOA Fee $585/mo
PMI (if <20% down) $0

Loan Summary

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

Rate Impact

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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

165 Cottage St # 207, Chelsea MA 02150

Chelsea, MA 02150

Listing Information

Listing Agent Jennifer Wu
Listing Office PRIVI Realty LLC
Office Phone 508-468-4329
Agent MLS ID CN263802
Office MLS ID AN6354
Listing Data Updated Oct 15, 2026 10:21 PM EDT
Listing information is deemed reliable but not guaranteed. Data provided by MLS Property Information Network, Inc. All information should be independently verified.

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Steve Novak Real Estate
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