34R Underhill St # 3, Winthrop MA 02152

Winthrop, MA 02152 • Winthrop Beach
$495,000
$449,900
Est. $3,122/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
2
Baths
879
Sq Ft
$512
Price/Sq Ft
1920
Year Built
1
Parking
54
Days on Market
Sale Pending Price Drop -$45,100 Listed Jul 16, 2026 • MLS# 73550972 Copied! • Updated Sep 9, 2026

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About this home

This like-new 2-bedroom, 2 bath condo at 34 Underhill Street delivers the finish level of new construction at a fraction of the cost. Gut renovated and converted in 2020, every detail was approached with care, from the white shaker kitchen with quartz countertops, blue glass tile backsplash, gold hardware, and stainless steel appliances including gas cooking, to the wide plank hardwood floors that run throughout the entire unit. The primary bedroom features a custom walk-in closet with built-in shelving and drawers, and direct access to a full bath. The open living area is bright and generously sized with recessed lighting and mini-split systems for year-round comfort. Ground-floor entry with private access adds convenience rarely found in condo living. Set steps from the Winthrop coastline with the Boston ferry, Rt. 1A, and Logan Airport all just minutes away, this is a turnkey home in a location that continues to attract buyers who want coastal living without sacrificing quality.

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Recently Sold Nearby

Property History

Market Insights

2
Price Changes
9.1%
Price Range

Property Timeline

Pending Sale
Sep 9, 2026
Offer accepted, sale pending
Price Reduced
Aug 20, 2026
$449,900 $25,000 (-5.26%)
From $474,900 to $449,900 (-5.3%)
Price Reduced
Aug 4, 2026
$474,900 $20,100 (-4.06%)
From $495,000 to $474,900 (-4.1%)
🏠
Listed for Sale
Jul 16, 2026
$495,000
Original listing
Agent: Reserve Team Office: Reference Real Estate

Tax History

Year Taxes Assessment
2026 $5,064 $454,600

Financial Details

Annual Property Tax
$5,064
Tax Year 2026
HOA Fee
$225
Monthly
Assessed Value
$454,600

Facts & Features

Home Facts

Type Residential
Style Condominium
Year Built 1920
Living Area 879 sq ft
Stories 1
Bedrooms 2
Full Baths 2
Total Rooms 4

Interior

Heating Individual, Unit Control, Ductless
Cooling Individual, Unit Control, Ductless
Flooring Tile, Hardwood
Appliances Range, Dishwasher, Microwave, Refrigerator, Washer, Dryer
Fireplace None
Basement Y
Laundry In Unit, Washer Hookup
Features None

Exterior

Construction Frame
Architecture None
Roof Shingle
Features None
Pool None
Spa None
Fencing None
Patio/Porch None
Features Off Street, Tandem, Deeded
Total Spaces 1
Electric Circuit Breakers, 100 Amp Service
Water Public
Sewer Public Sewer
Gas None
Other For Electric Range, Washer Hookup
Annual Tax $5,064
Assessed Value $454,600

HOA & Community

HOA Fee $225 Monthly
Fee Includes Insurance, Maintenance Structure, Maintenance Grounds, Snow Removal, Reserve Funds
Amenities None
Optional Fee Includes None
Owner-Occupied Units 2
Pets Yes
Lead Paint Unknown
Seller Disclosures None
Possession None
Accepted Financing None
Structure Type ["Low-Rise","Attached"]
Unit/Building 3
Sq Ft Source Public Record
Documents Master Deed, Unit Deed, Rules & Regs, Management Association Bylaws (4)
County Suffolk
Total market time (incl. prior listings) 55 days

Property Overview

Property Type
Condominium
Listing Type
Sale Pending
Year Built
1920
Bedrooms
2
Full Bathrooms
2
Living Area
879 sq ft
Total Rooms
4
Stories
1
Entry Level
1

Floor Layout

Interior Features

Flooring: Tile, Hardwood
Appliances: Range, Dishwasher, Microwave, Refrigerator, Washer, Dryer
Interior Features:
Windows:
Basement: Y
Laundry: In Unit, Washer Hookup
Security:

Construction & Materials

Year Built: 1920
Effective Year (Renovated): 2020
Structure Type: Low-Rise, Attached
Exterior Materials: Frame
Roof: Shingle
Foundation:
Stories: 1

Heating, Cooling & Utilities

Heating: Individual, Unit Control, Ductless
Cooling: Individual, Unit Control, Ductless
Hot Water:
Water Source: Public
Sewer: Public Sewer
Energy Features:

Exterior & Lot

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

Parking & Garage

Total Parking Spaces: 1
Parking Features: Off Street, Tandem, Deeded
School District
Winthrop School District local
C
School Safety 2024-25
0.3% Low
0.3% Suspensions
5.2% below state avg
E

Elementary Schools

2 schools
B-
Arthur T. Cummings Elementary School
0.9 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
1.0 mi
486 students Moderate
Grades PK-02
M

Middle Schools

1 school
B+
Winthrop Middle School
0.8 mi | #118 of 352 | Score: 47.7
Dropped 25 spots from last year
-10.5 below state avg
455 students Moderate
Grades 06-08
H

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
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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
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Including down payment
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Down: $0
%

Monthly Payment Breakdown

Principal & Interest $0
Property Tax $422
Homeowners Insurance $200
HOA Fee $225/mo
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
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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

Winthrop Beach

34R Underhill St # 3, Winthrop MA 02152

Winthrop, MA 02152

Listing Information

Listing Agent Reserve Team
Listing Office Reference Real Estate
Office Phone 781-342-0052
Agent MLS ID TM362024
Office MLS ID AN8944
Listing Data Updated Sep 9, 2026 3:39 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
Steve Novak Real Estate
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