32 Irwin St, Winthrop MA 02152
Winthrop, MA 02152
$1,100,000
Est. $6,532/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
A rare opportunity to own a 3-unit multi-family investment property with a fourth apartment in one of Winthrop's most sought-after coastal locations, just minutes from downtown Boston and Logan Airport. This asset offers an ideal mix for investors and owner-occupants alike. The property features one three-bedroom apartment, one two-bedroom apartment, one one-bedroom apartment, and one studio unit. The one-bedroom apartment is currently rented and will be conveyed with the property. The two-bedroom and three-bedroom apartments will be delivered vacant at closing. The owner is currently marketing the studio for rent. Three off-street parking spaces come with the property. Set on a 4,075± sq ft lot in a supply-constrained market with strong, year-round rental demand, the property delivers a compelling blend of in-place income and future growth potential through both rent increases and value-addition. Steps to the beach, Winthrop Golf Club, and the heart of Shirley Street - come see everything that this property has to offer.
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Recently Sold Nearby
Property History
Market Insights
Property Timeline
Property Type Updated
Aug 4, 2026
4 Family → 3 Family
Listed for Sale
Jun 11, 2026
$1,100,000
Original listing
Agent: Michael Giannone
Office: The Aland Realty Group LLC
| Date | Event | Price | Change | $/sqft | Details |
|---|---|---|---|---|---|
| 08/04/2026 | 🔧 Property Type Updated | - | - | - | 4 Family → 3 Family |
| 06/11/2026 | 🏠 Listed for Sale | $1,100,000 | - | - | Original listing |
Tax History
| Year | Taxes | Assessment |
|---|---|---|
| 2026 | $9,238 | $829,300 |
Financial Details
Annual Property Tax
$9,238
Tax Year 2026
Assessed Value
$829,300
Facts & Features
Home Facts
Type
Residential Income
Style
3 Family
Year Built
1900
Living Area
2,949 sq ft
Lot Size
0.09 acres
Stories
4
Bedrooms
6
Full Baths
4
Total Rooms
14
Investment Metrics
Units
4
Unit 1 Rent
$3,300/mo · N
Unit 2 Rent
$2,800/mo · N
Unit 3 Rent
$1,700/mo · N
Unit 4 Rent
$1,500/mo · Y
Total Monthly Rent
$9,300/mo
Gross Income
$46,800
Net Operating Income
$27,527
Operating Expenses
$19,273
Water/Sewer Expense
$2,000
Electric Expense
$3,600
Insurance Expense
$4,023
Cap Rate
2.50%
Interior
Heating
Baseboard, Natural Gas
Cooling
Window Unit(s)
Flooring
Hardwood
Appliances
Range, Dishwasher, Microwave, Refrigerator
Fireplace
None
Basement
Unfinished
Laundry
None
Features
Living Room, Kitchen, Office/den, Sunroom
Exterior
Construction
Frame
Architecture
None
Roof
Shingle
Features
Rain Gutters
Pool
None
Spa
None
Fencing
None
Patio/Porch
Porch
Parking
Features
Paved Drive, Off Street, Paved
Total Spaces
3
Utilities
Electric
Circuit Breakers
Water
Public
Sewer
Public Sewer
Gas
None
Other
None
Financial
Annual Tax
$9,238
Assessed Value
$829,300
HOA & Community
Fee Includes
None
Amenities
None
Optional Fee Includes
None
Down Payment Resource
Eligible
MA Disclosures
Lead Paint
Unknown
Seller Disclosures
The Assessors Department Classifies The Property As 4 Units; However, The Building Department Classifies It As 3 Units Because There Are 3 Heating Systems. The Property Has Always Been Used As A 4-unit Multi-family. Some Photos Have Been Virtually Staged. Tenants To Convey With The Property.
Exclusions
Any Tenant-Owned Appliances.
Additional Details
Possession
None
Accepted Financing
None
Structure Type
[]
Sq Ft Source
Public Record
Documents
None
County
Suffolk
Total market time (incl. prior listings)
84 days
Property Overview
Property Type
3 Family
Listing Type
For Sale
Year Built
1900
Bedrooms
6
Full Bathrooms
4
Living Area
2,949 sq ft
Total Rooms
14
Stories
4
Levels
4
Floor Layout
Interactive room guide
Floor Layout
Finished Area
2,949 sq ft above grade
Display Options
Outdoor Areas
Patio & porchPorch
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:
Hardwood
Appliances:
Range, Dishwasher, Microwave, Refrigerator
Interior Features:
Living Room, Kitchen, Office/Den, Sunroom
Windows:
Basement:
Unfinished
Laundry:
Security:
Construction & Materials
Year Built:
1900
Structure Type:
Exterior Materials:
Frame
Roof:
Shingle
Foundation:
Block, Brick/Mortar
Stories:
4
Heating, Cooling & Utilities
Heating:
Baseboard, Natural Gas
Heating Zones:
3
Cooling:
Window Unit(s)
Hot Water:
Natural Gas
Water Source:
Public
Sewer:
Public Sewer
Energy Features:
Exterior & Lot
Exterior Features:
Rain Gutters
Patio & Porch:
Porch
Fencing:
Other Structures:
Lot Features:
Level
Road Surface:
Parking & Garage
Total Parking Spaces:
3
Parking Features:
Paved Drive, Off Street, Paved
Nearby Schools
School District
Winthrop School District local
C
School Safety
2024-25
0.3%
Low
0.3%
Suspensions
5.2% below state avg
Elementary Schools
2 schools
B-
Arthur T. Cummings Elementary School
0.8 mi
|
#447 of 825
|
Score: 46.2
Improved 107 spots from last year
-12 below state avg
466 students
Moderate
Rising School
Grades 03-05
William P. Gorman/Fort Banks Elementary School
0.9 mi
486 students
Moderate
Grades PK-02
Middle Schools
1 school
B+
Winthrop Middle School
0.7 mi
|
#118 of 352
|
Score: 47.7
Dropped 25 spots from last year
-10.5 below state avg
455 students
Moderate
Grades 06-08
High Schools
1 school
C+
Winthrop High School
0.7 mi
|
#238 of 346
|
Score: 48.4
Dropped 109 spots from last year
-9.8 below state avg
553 students
Moderate
18 sports
• 1,118 athletes
High Graduation Rate
College Ready Curriculum
Strong Athletics
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
$770
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
32 Irwin St, Winthrop MA 02152
Winthrop, MA 02152
Listing Information
Listing Agent
Michael Giannone
Listing Office
The Aland Realty Group LLC
Office Phone
603-501-0463
Agent MLS ID
CN229802
Office MLS ID
AN6355
Listing Data Updated
Aug 4, 2026 11:56 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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