31 Central Street, Waltham MA 02453
Waltham, MA 02453
$899,900
$849,000
Est. $4,947/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.
Adjust the payment calculatorTrack this home for price, status, and open-house alerts.
About this home
Spacious, sunny and centrally located two-family home! Both units feature hardwood flooring, high ceilings and oversized rooms. Finished basement offers laundry and plenty of bonus space. Property features a fully fenced in yard. Exterior shed for additional storage. Excellent location and rental history, steps from Carter Street Commuter Rail stop, close to Watertown, Newton and easy highway access!
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Recently Sold Nearby
Price & Status History
Market Insights
1
Price Changes
5.7%
Price Range
Property Timeline
Price Reduced
Oct 14, 2026
$849,000
$50,900
(-5.66%)
From $899,900 to $849,000 (-5.7%)
Listed for Sale
Sep 30, 2026
$899,900
Original listing
Agent: Paul C. Morreale
Office: Gelineau & Associates, R.E.
| Date | Event | Price | Change | $/sqft | Details |
|---|---|---|---|---|---|
| 10/14/2026 | ↓ Price Reduced | $849,000 | $50,900 | - | From $899,900 to $849,000 (-5.7%) |
| 09/30/2026 | 🏠 Listed for Sale | $899,900 | - | - | Original listing |
Tax History
| Year | Taxes | Assessment |
|---|---|---|
| 2026 | $5,443 | $845,100 |
Financial Details
Annual Property Tax
$5,443
Tax Year 2026
Assessed Value
$845,100
Facts & Features
Home Facts
Type
Residential Income
Style
2 Family - 2 Units Up/Down
Year Built
1880
Living Area
3,270 sq ft
Lot Size
0.08 acres
Stories
2
Bedrooms
4
Full Baths
3
Total Rooms
10
Investment Metrics
Units
2
Unit 1 Rent
— · N
Unit 2 Rent
— · N
Interior
Heating
Hot Water, Natural Gas
Cooling
None
Flooring
Tile, Hardwood
Appliances
Range, Oven, Dishwasher, Microwave, Refrigerator
Fireplace
None
Basement
Finished, Interior Entry
Laundry
Washer Hookup
Features
Living Room, Kitchen
Exterior
Construction
None
Architecture
None
Roof
Shingle
Features
Rain Gutters
Pool
None
Spa
None
Fencing
Fenced/enclosed
Patio/Porch
None
Parking
Features
Paved Drive, Off Street
Total Spaces
1
Utilities
Electric
Circuit Breakers, 100 Amp Service
Water
Public
Sewer
Public Sewer
Gas
None
Other
For Gas Range, For Gas Oven, Washer Hookup
Financial
Annual Tax
$5,443
Assessed Value
$845,100
HOA & Community
Fee Includes
None
Amenities
None
Optional Fee Includes
None
Down Payment Resource
Eligible
MA Disclosures
Lead Paint
Unknown
Seller Disclosures
Taxes Include Waltham Residential Exemption
Additional Details
Possession
None
Accepted Financing
Contract
Structure Type
[]
House Color
YELLOW
Sq Ft Source
Public Record
Documents
None
County
Middlesex
Total market time (incl. prior listings)
18 days
Property Overview
Property Type
2 Family - 2 Units Up/Down
Listing Type
For Sale
Year Built
1880
Bedrooms
4
Full Bathrooms
3
Living Area
3,270 sq ft
Total Rooms
10
Stories
2
Levels
2
Floor Layout
Interior Features
Flooring:
Tile, Hardwood
Appliances:
Range, Oven, Dishwasher, Microwave, Refrigerator
Interior Features:
Living Room, Kitchen
Windows:
Insulated Windows, Screens
Basement:
Finished, Interior Entry
Laundry:
Washer Hookup
Security:
Construction & Materials
Year Built:
1880
Structure Type:
Exterior Materials:
Roof:
Shingle
Foundation:
Stone
Stories:
2
Utilities & Systems
Heating:
Hot Water, Natural Gas
Heating Zones:
2
Cooling:
Hot Water:
Natural Gas, Tank
Water Source:
Public
Sewer:
Public Sewer
Energy Features:
Exterior & Lot
Exterior Features:
Rain Gutters
Patio & Porch:
Fencing:
Fenced/Enclosed
Other Structures:
Lot Features:
Corner Lot, Level
Road Frontage:
47.00 ft
Road Surface:
Parking & Garage
Total Parking Spaces:
1
Parking Features:
Paved Drive, Off Street
Nearby Schools
School District
Waltham School District local
B+
School Safety
2024-25
2.3%
Average
2.2%
Suspensions
1.4%
In-School
0.1%
Emergency
3.2% below state avg
Elementary Schools
10 schools
The Lumen Academy
0.8 mi
Grades PK-08
Milestones Day School
1.8 mi
Grades 02-12
Our Lady's Academy
2.3 mi
Grades PK-08
B
Henry Whittemore Elementary School
0.7 mi
|
#353 of 825
|
Score: 48.9
Improved 148 spots from last year
-9.3 below state avg
355 students
Moderate
Rising School
Grades K-05
B+
Thomas R Plympton Elementary School
0.8 mi
|
#305 of 825
|
Score: 50.7
Improved 342 spots from last year
-7.5 below state avg
335 students
Diverse
Rising School
Diverse Student Body
Grades K-05
B+
James Fitzgerald Elementary School
1.1 mi
|
#264 of 825
|
Score: 51.9
Improved 8 spots from last year
-6.3 below state avg
352 students
Diverse
Diverse Student Body
Strong Attendance
Grades K-05
B
William F. Stanley Elementary School
1.2 mi
|
#412 of 825
|
Score: 47.4
Improved 57 spots from last year
-10.8 below state avg
396 students
Diverse
Rising School
Diverse Student Body
Grades PK-05
B
Dual Language School
1.3 mi
|
#410 of 825
|
Score: 47.5
Dropped 78 spots from last year
-10.7 below state avg
219 students
Moderate
Strong Attendance
Grades K-05
B
Northeast Elementary School
1.9 mi
|
#346 of 825
|
Score: 49.1
Improved 261 spots from last year
-9.1 below state avg
477 students
Diverse
Rising School
Diverse Student Body
Grades PK-05
A-
Douglas MacArthur Elementary School
2.2 mi
|
#174 of 825
|
Score: 56.1
Improved 224 spots from last year
-2.1 below state avg
515 students
Diverse
Rising School
Diverse Student Body
Strong Attendance
Grades K-05
Middle Schools
2 schools
B
John W. McDevitt Middle School
0.3 mi
|
#160 of 352
|
Score: 43.8
Dropped 17 spots from last year
-14.4 below state avg
604 students
Diverse
Grades 06-08
A-
John F Kennedy Middle School
0.6 mi
|
#95 of 352
|
Score: 50.3
Improved 33 spots from last year
-8 below state avg
645 students
Diverse
Rising School
Diverse Student Body
Grades 06-08
High Schools
4 schools
B-
Waltham Senior High School
0.6 mi
|
#181 of 346
|
Score: 53.6
Improved 57 spots from last year
-4.6 below state avg
1,784 students
Diverse
21 sports
• 1,802 athletes
Strong AP Program
Early College Program
Rising School
Career Tech Programs
Grades 09-12
Chapel Hill Chauncy Hall School
0.9 mi
Grades 09-12
Waltham Valor High School
1.3 mi
47 students
Less Diverse
Grades 09-12
Gann Academy-The New Jewish High School
1.6 mi
Grades 09-12
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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
$454
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
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
31 Central Street, Waltham MA 02453
Waltham, MA 02453
Listing Information
Listing Agent
Paul C. Morreale
Listing Office
Gelineau & Associates, R.E.
Office Phone
781-894-4020
Agent MLS ID
BB903411
Office MLS ID
AN0836
Listing Data Updated
Oct 18, 2026 3:07 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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