40 Middle Rd, Chatham MA 02650
Chatham, MA 02650
$3,495,000
Est. $18,839/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
Set in North Chatham's prestigious Harbor Coves Association, this Eastward-built residence carries true pedigree. As you arrive, you're welcomed by an inviting farmer's porch, leading into a light-filled, open-concept great room where vaulted ceilings and recessed lighting create an airy, sun-filled feel throughout. The kitchen, living, and dining spaces flow seamlessly together, appointed with custom cabinetry and thoughtful, high-end finishes. A sunroom extends living space toward the landscape, while a bluestone patio — complete with outdoor kitchen and fire pit — delivers the indoor-outdoor connectivity that defines the best of Cape Cod living. Beyond, the backyard offers exceptional depth, with ample room for a future pool. The main-level primary wing offers a true retreat, with a walk-in closet, en suite bath, and windows framing the landscape beyond. Upstairs, a lounge and game space, a bonus space with barn doors and en suite bath, and two additional bedrooms sharing a full bath ensure room for everyone. A cupola and rich architectural detail crown grounds that are meticulously landscaped, while private Harbor Coves beach access opens onto Crows Pond, with deep-water access to Pleasant Bay beyond. Cherished and ready for its next chapter — this is North Chatham living at its finest!
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Recently Sold Nearby
Property History
Market Insights
Property Timeline
Pending Sale
Aug 31, 2026
Offer accepted, sale pending
Listed for Sale
Aug 26, 2026
$3,495,000
Original listing
Agent: Guthrie Schofield Group
Office: Berkshire Hathaway HomeServices Robert Paul Properties
| Date | Event | Price | Change | $/sqft | Details |
|---|---|---|---|---|---|
| 08/31/2026 | ⏳ Pending Sale | - | - | - | Offer accepted, sale pending |
| 08/26/2026 | 🏠 Listed for Sale | $3,495,000 | - | - | Original listing |
Tax History
| Year | Taxes | Assessment |
|---|---|---|
| 2026 | $11,594 | $3,159,100 |
Financial Details
Annual Property Tax
$11,594
Tax Year 2026
Assessed Value
$3,159,100
Facts & Features
2 Car Garage
Central AC
Home Facts
Type
Residential
Style
Single Family Residence
Year Built
2016
Living Area
3,838 sq ft
Lot Size
0.45 acres
Bedrooms
3
Full Baths
3
Half Baths
1
Total Rooms
10
Interior
Heating
Forced Air
Cooling
Central Air
Flooring
None
Appliances
None
Fireplace
None
Fireplaces
2
Basement
Full, Interior Entry, Bulkhead
Laundry
None
Features
None
Exterior
Construction
None
Architecture
Cape, Contemporary
Roof
None
Features
None
Pool
None
Spa
None
Fencing
None
Patio/Porch
None
Parking
Garage Spaces
2
Has Garage
Yes
Features
None
Total Spaces
12
Utilities
Electric
None
Water
Public
Sewer
Private Sewer
Gas
None
Other
None
Financial
Annual Tax
$11,594
Assessed Value
$3,159,100
HOA & Community
Fee Includes
None
Amenities
None
Optional Fee Includes
None
MA Disclosures
Lead Paint
None
Seller Disclosures
None
Additional Details
Possession
None
Accepted Financing
None
Structure Type
[]
Sq Ft Source
Measured
Documents
None
County
Barnstable
Total market time (incl. prior listings)
7 days
Property Overview
Property Type
Single Family Residence
Listing Type
Sale Pending
Year Built
2016
Bedrooms
3
Full Bathrooms
3
Half Bathrooms
1
Living Area
3,838 sq ft
Total Rooms
10
Floor Layout
Interactive room guide
Floor Layout
Finished Area
3,838 sq ft above grade
Display Options
Room Markers
BABathroom (4)
BRBedroom (5)
DDining (1)
KKitchen (1)
LLiving (2)
OOffice (1)
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:
Appliances:
Interior Features:
Windows:
Basement:
Full, Interior Entry, Bulkhead
Laundry:
Security:
Construction & Materials
Style:
Cape, Contemporary
Year Built:
2016
Structure Type:
Exterior Materials:
Roof:
Foundation:
Concrete Perimeter
Heating, Cooling & Utilities
Heating:
Forced Air
Cooling:
Central Air
Hot Water:
Water Source:
Public
Sewer:
Private Sewer
Energy Features:
Exterior & Lot
Exterior Features:
Patio & Porch:
Fencing:
Other Structures:
Lot Features:
Cleared, Level
Road Surface:
Parking & Garage
Garage Spaces:
2
Total Parking Spaces:
12
Parking Features:
Special Features
Fireplaces:
2
Fireplace Type:
Community Amenities:
Nearby Schools
School District
Monomoy Regional School District local
C+
School Safety
2024-25
3.5%
Above Average
2.8%
Suspensions
1.5%
In-School
0.7%
Emergency
2.0% below state avg
Elementary Schools
3 schools
B+
Chatham Elementary School
1.8 mi
|
#308 of 825
|
Score: 50.5
Dropped 105 spots from last year
-7.7 below state avg
153 students
Diverse
Grades PK-04
The Laurel School
4.1 mi
Grades PK-05
Cape Cod Christian Academy
4.3 mi
Grades K-08
Middle Schools
2 schools
B+
Monomoy Regional Middle School
1.1 mi
|
#121 of 352
|
Score: 47.4
Dropped 40 spots from last year
-10.8 below state avg
381 students
Moderate
Grades 05-07
B-
Cape Cod Lighthouse Charter School
2.2 mi
|
#186 of 352
|
Score: 41.6
Improved 94 spots from last year
-16.6 below state avg
246 students
Less Diverse
Rising School
Grades 06-08
High Schools
2 schools
B-
Monomoy Regional High School
4.7 mi
|
#197 of 346
|
Score: 52.4
Dropped 22 spots from last year
-5.8 below state avg
700 students
Moderate
17 sports
• 1,050 athletes
High Graduation Rate
College Ready Curriculum
Strong Athletics
Grades 08-12
A-
Cape Cod Regional Vocational Technical High School
4.9 mi
|
#96 of 346
|
Score: 61.1
Improved 20 spots from last year
+2.9 above state avg
704 students
Moderate
15 sports
• 956 athletes
High Graduation Rate
Rising School
Career Tech Programs
College Ready Curriculum
Grades 09-12
Learn about these ratings
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Including down payment
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Down: $0
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Monthly Payment Breakdown
Principal & Interest
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Property Tax
$966
Homeowners Insurance
$200
PMI (if <20% down)
$0
Loan Summary
Total of 360 payments
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Rate Impact
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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
40 Middle Rd, Chatham MA 02650
Chatham, MA 02650
Listing Information
Listing Agent
Guthrie Schofield Group
Listing Office
Berkshire Hathaway HomeServices Robert Paul Properties
Office Phone
508-945-5553
Agent MLS ID
TM359164
Office MLS ID
AN6519
Listing Data Updated
Sep 2, 2026 9:54 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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