32 Irwin St, Winthrop MA 02152
Winthrop, MA 02152
$1,100,000
$1,049,900
Est. $6,279/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
Multi-family in Winthrop, MA with four apartments and an ocean view, within 1/10 mile of the beach. The mix is a 3-bedroom, 2-bedroom, 1-bedroom and studio, each with 1 full bath, totaling 2,949 sq ft. The third-floor 1-bedroom is leased at $1,500 per month and conveys. The first-floor 3-bedroom and second-floor 2-bedroom are delivered vacant at closing. The second-floor studio with sunroom is listed for rent at $1,700. Rents total $9,300 per month; three of four are projected. All rents include water; the studio and 1-bedroom also include heat, electricity and gas. Heat is gas hot water baseboard on 3 systems, with window AC and town water and sewer. The 1900 building has vinyl siding, an asphalt roof, LVP and hardwood floors, and an unfinished basement with exterior access. The 4,075 sq ft lot has 3 off-street parking spaces. The building department classifies it as 3 units and the assessor as 4; it is used as 4 units. Winthrop Golf Club, Shirley Street and Logan Airport are nearby.
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Recently Sold Nearby
Price & Status History
Market Insights
1
Price Changes
4.6%
Price Range
Property Timeline
Price Reduced
Oct 5, 2026
$1,049,900
$50,100
(-4.55%)
From $1,100,000 to $1,049,900 (-4.5%)
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
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 |
|---|---|---|---|---|---|
| 10/05/2026 | ↓ Price Reduced | $1,049,900 | $50,100 | - | From $1,100,000 to $1,049,900 (-4.5%) |
| 08/04/2026 | 🔧 Property Type Updated | - | - | - | 4 Family → 3 Family |
| 06/11/2026 | 🏠 Listed for Sale | $1,100,000 | - | - | Original listing |
| 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
2.62%
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)
125 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
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
Utilities & Systems
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
3 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
B
Beachmont Veterans Memorial School
1.9 mi
|
#351 of 825
|
Score: 48.9
Improved 62 spots from last year
-9.3 below state avg
333 students
Diverse
Rising School
Grades PK-05
Middle Schools
3 schools
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
C
Garfield Middle School
2.4 mi
|
#265 of 352
|
Score: 35.1
Dropped 13 spots from last year
-23.1 below state avg
532 students
Moderate
Grades 06-08
A-
Rumney Marsh Academy
3.3 mi
|
#5 of 16
|
Score: 37.8
Improved 307 spots from last year
-20.5 below state avg
538 students
Moderate
Rising School
Strong Attendance
Grades 06-08
High Schools
3 schools
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
D
CityLab Innovation High School
1.9 mi
|
#330 of 346
|
Score: 28.3
Improved 11 spots from last year
-29.9 below state avg
128 students
Moderate
College Ready Curriculum
Grades 09-12
C
Revere High School
3.3 mi
|
#246 of 346
|
Score: 47.4
Dropped 14 spots from last year
-10.8 below state avg
1,959 students
Moderate
18 sports
• 1,334 athletes
Early College Program
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
Oct 15, 2026 7:11 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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