309 Cottage St, New Bedford MA 02740
New Bedford, MA 02740 • West
$370,000
Est. $2,398/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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About this home
Located on a fenced-in corner lot, 309 Cottage Street presents a high-utility opportunity for portfolio investors and owner-occupants seeking a value-add entry into the New Bedford market. This two-family residence is being delivered completely vacant, offering a clean slate for immediate modernization. It’s the perfect canvas for those looking to bring their vision to a property with significant upside potential. Each unit features a consistent two-bedroom layout designed for functional living. The first-floor apartment offers a distinct lifestyle advantage with a private deck that leads directly to the backyard, while the exterior is wrapped in low-maintenance vinyl siding to help streamline future upkeep. While the interior is ready for a full aesthetic refresh, the bones of this home provide a solid foundation for a custom renovation that could maximize both equity and rental yields. By leveraging the area’s strong rental demand through targeted updates, you can maximize your equity and secure a robust long-term asset.
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Recently Sold Nearby
Property History
Market Insights
Property Timeline
Showing Instructions Updated
Sep 8, 2026
New showing requirements
Listed for Sale
Sep 8, 2026
$370,000
Original listing
Agent: The Mathew J. Arruda Group
Office: Compass
| Date | Event | Price | Change | $/sqft | Details |
|---|---|---|---|---|---|
| 09/08/2026 | 👁️ Showing Instructions Updated | - | - | - | New showing requirements |
| 09/08/2026 | 🏠 Listed for Sale | $370,000 | - | - | Original listing |
Tax History
| Year | Taxes | Assessment |
|---|---|---|
| 2025 | $3,923 | $346,900 |
Financial Details
Annual Property Tax
$3,923
Tax Year 2025
Assessed Value
$346,900
Facts & Features
Home Facts
Type
Residential Income
Style
Multi Family
Year Built
1873
Living Area
1,234 sq ft
Lot Size
0.07 acres
Stories
2
Bedrooms
4
Full Baths
2
Total Rooms
8
Investment Metrics
Units
2
Unit 1 Rent
— · N
Unit 2 Rent
— · N
Interior
Heating
Central, Unit Control, Space Heater
Cooling
None
Flooring
Carpet, Varies, Laminate, Hardwood
Appliances
Range
Fireplace
Wood Burning
Basement
Full, Interior Entry, Unfinished
Laundry
None
Features
Laundry Room, Ceiling Fan(s), Living Room, Dining Room, Kitchen
Exterior
Construction
Frame
Architecture
None
Roof
Shingle
Features
Balcony/deck, Varies Per Unit
Pool
None
Spa
None
Fencing
Fenced/enclosed, Fenced
Patio/Porch
Deck
Parking
Features
Off Street
Utilities
Electric
None
Water
Public
Sewer
Public Sewer
Gas
None
Other
For Gas Range
Financial
Annual Tax
$3,923
Assessed Value
$346,900
HOA & Community
Fee Includes
None
Amenities
None
Optional Fee Includes
None
MA Disclosures
Lead Paint
Unknown
Seller Disclosures
Property Will Not Pass Fha Or Va.
Additional Details
Possession
None
Accepted Financing
None
Structure Type
[]
House Color
Cream
Sq Ft Source
Public Record
Documents
None
County
Bristol
Total market time (incl. prior listings)
4 days
Property Overview
Property Type
Multi Family
Listing Type
For Sale
Year Built
1873
Bedrooms
4
Full Bathrooms
2
Living Area
1,234 sq ft
Total Rooms
8
Stories
2
Levels
2
Floor Layout
Interactive room guide
Floor Layout
Finished Area
1,234 sq ft above grade
Display Options
Outdoor Areas
Patio & porchDeck
Room Markers
OOffice (1)
KKitchen (1)
BRBedroom (5)
BABathroom (4)
DDining (1)
LLiving (2)
Conceptual diagram based on MLS room data. It is not to scale and is not a substitute for architectural plans or on-site measurements.
Interior Features
Flooring:
Carpet, Varies, Laminate, Hardwood
Appliances:
Range
Interior Features:
Laundry Room, Ceiling Fan(s), Living Room, Dining Room, Kitchen
Windows:
Basement:
Full, Interior Entry, Unfinished
Laundry:
Security:
Construction & Materials
Year Built:
1873
Structure Type:
Exterior Materials:
Frame
Roof:
Shingle
Foundation:
Granite
Stories:
2
Heating, Cooling & Utilities
Heating:
Central, Unit Control, Space Heater
Cooling:
None
Hot Water:
Water Source:
Public
Sewer:
Public Sewer
Energy Features:
Exterior & Lot
Exterior Features:
Balcony/Deck, Varies per Unit
Patio & Porch:
Deck
Fencing:
Fenced/Enclosed, Fenced
Other Structures:
Lot Features:
Corner Lot, Level
Road Surface:
Parking & Garage
Parking Features:
Off Street
Special Features
Fireplace Type:
Wood Burning
Community Amenities:
Public Transportation, Shopping, Park, Medical Facility, Laundromat, Highway Access, House of Worship, Marina, Private School, Public School, T-Station
Nearby Schools
School District
New Bedford School District local
D
Where Graduates Go
Class of 2021
31%
attend college
13%
4-Year
18%
2-Year
4%
Out of State
9%
Working
School Safety
2024-25
6.0%
Above Average
4.2%
Suspensions
1.0%
In-School
1.8%
Emergency
0.5% above state avg
Elementary Schools
10 schools
Holy Family-Holy Name School
< 0.1 mi
Grades PK-08
B+
Trinity Day Academy
0.2 mi
|
#149 of 346
|
Score: 72.4
Same rank as last year
87 students
Diverse
College Ready Curriculum
Diverse Student Body
Grades 04-12
Child and Family Services
0.4 mi
Grades K-12
St. James-St. John School
0.7 mi
Grades PK-08
C
Global Learning Charter Public School
1.5 mi
|
#273 of 346
|
Score: 45.2
Dropped 3 spots from last year
-13 below state avg
501 students
Diverse
High Graduation Rate
College Ready Curriculum
Diverse Student Body
Strong Attendance
Grades 05-12
Nazarene Christian Academy
1.8 mi
Grades PK-12
C+
Alma del Mar Charter School
2.0 mi
|
#232 of 352
|
Score: 37.7
Improved 36 spots from last year
-20.5 below state avg
1,044 students
Diverse
Rising School
Grades K-08
All Saints Catholic School
3.1 mi
Grades PK-08
West End Day Nursery School
0.1 mi
Grades PK
C-
Sgt. William H. Carney Memorial Academy Elementary School
0.2 mi
|
#704 of 825
|
Score: 35.4
Improved 112 spots from last year
-22.8 below state avg
649 students
Diverse
Rising School
Diverse Student Body
Grades K-05
Middle Schools
5 schools
Nativity Prep School
0.5 mi
Grades 05-08
Our Sisters' School
1.3 mi
Grades 05-06
C-
Keith Middle School
1.0 mi
|
#307 of 352
|
Score: 31.0
Dropped 18 spots from last year
-27.2 below state avg
918 students
Diverse
Diverse Student Body
Grades 06-08
C-
Roosevelt Middle School
2.2 mi
|
#305 of 352
|
Score: 31.3
Improved 43 spots from last year
-26.9 below state avg
779 students
Diverse
Rising School
Diverse Student Body
Grades 06-08
C-
Normandin Middle School
3.0 mi
|
#295 of 352
|
Score: 32.1
Improved 9 spots from last year
-26.1 below state avg
922 students
Diverse
Diverse Student Body
Grades 06-08
High Schools
3 schools
F
Whaling City Junior/Senior High School
0.3 mi
|
#338 of 346
|
Score: 21.9
Improved 16 spots from last year
-36.3 below state avg
190 students
Diverse
College Ready Curriculum
Diverse Student Body
Grades 06-12
C
New Bedford High School
0.7 mi
|
#262 of 346
|
Score: 46.3
Improved 39 spots from last year
-11.9 below state avg
2,792 students
Diverse
19 sports
• 1,326 athletes
Early College Program
Rising School
Career Tech Programs
College Ready Curriculum
Grades 09-12
C+
Greater New Bedford Vocational Technical High School
3.6 mi
|
#231 of 346
|
Score: 49.4
Dropped 42 spots from last year
-8.8 below state avg
2,161 students
Diverse
19 sports
• 1,754 athletes
High Graduation Rate
Career Tech Programs
College Ready Curriculum
Strong Athletics
Grades 09-12
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Monthly Payment
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Principal, interest, taxes & insurance
Loan Amount
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After down payment
Total Interest
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Over life of loan
Total Cost
$0
Including down payment
%
Down: $0
%
Monthly Payment Breakdown
Principal & Interest
$0
Property Tax
$327
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
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Current Rate
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+0.5% Rate
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Payment Over Time
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
West
309 Cottage St, New Bedford MA 02740
New Bedford, MA 02740
Listing Information
Listing Agent
The Mathew J. Arruda Group
Listing Office
Compass
Office Phone
617-206-3333
Agent MLS ID
TM344405
Office MLS ID
AN2383
Listing Data Updated
Sep 12, 2026 3:05 AM 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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