FeaturesBathroom - Full, Bathroom - With Tub & Shower, Flooring - Stone/Ceramic Tile
LevelSecond
21 South River St., Haverhill MA 01835
Haverhill, MA 01835
$540,000
$519,900
Est. $3,169/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
Waterfront living doesn’t get much more charming than this! Enjoy your morning coffee overlooking the Merrimack River, or end the day by the firepit listening to the water and watching the moon. This cozy Old-Style home sits on a large front-to-back lot with a fenced yard, storage shed, and river access.The owners have taken care of the big-ticket updates, including the roof, pellet stove, ductless heating and A/C, first-floor bathroom, kitchen, and hot water system. The kitchen was just updated in July 2026 with new cabinets, countertops, and flooring, and the first-floor bath was refreshed in 2025. The solar panels are owned and minimize the electricity bill. The spacious yard offers plenty of potential to add your own landscaping and make the outdoor space truly yours. Conveniently located in Bradford, close to the Bradford Diner, Farmers Market, Ari’s Pizza & Subs, the Haverhill Yacht Club, and the Bradford Rail Trail—all just minutes away.Perfect as a first home, condo alternative, retirement spot, or for anyone looking for a waterfront property with character and room to make it their own.
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Recently Sold Nearby
Property History
Market Insights
1
Price Changes
3.7%
Price Range
Property Timeline
Price Reduced
Sep 9, 2026
$519,900
$20,100
(-3.72%)
From $540,000 to $519,900 (-3.7%)
Showing Instructions Updated
Aug 30, 2026
New showing requirements
Listed for Sale
Aug 29, 2026
$540,000
Original listing
| Date | Event | Price | Change | $/sqft | Details |
|---|---|---|---|---|---|
| 09/09/2026 | ↓ Price Reduced | $519,900 | $20,100 | - | From $540,000 to $519,900 (-3.7%) |
| 08/30/2026 | 👁️ Showing Instructions Updated | - | - | - | New showing requirements |
| 08/29/2026 | 🏠 Listed for Sale | $540,000 | - | - | Original listing |
Tax History
| Year | Taxes | Assessment |
|---|---|---|
| 2026 | $4,077 | $384,300 |
Financial Details
Annual Property Tax
$4,077
Tax Year 2026
Assessed Value
$384,300
Facts & Features
Home Facts
Type
Residential
Style
Single Family Residence
Year Built
1852
Living Area
952 sq ft
Lot Size
0.12 acres
Bedrooms
1
Full Baths
2
Total Rooms
5
Interior
Heating
Forced Air
Cooling
Ductless
Flooring
Tile, Carpet, Flooring - Wall To Wall Carpet
Appliances
Gas Water Heater, Range, Dishwasher, Refrigerator
Fireplace
Wood / Coal / Pellet Stove
Basement
Full, Interior Entry, Bulkhead, Unfinished
Laundry
Electric Dryer Hookup, Washer Hookup, First Floor
Features
Recessed Lighting, Sitting Room, Finish - Cement Plaster, High Speed Internet
Exterior
Construction
Frame
Architecture
Italianate, Second Empire
Roof
Shingle
Features
Storage, Fenced Yard
Pool
None
Spa
None
Fencing
Fenced/enclosed, Fenced
Patio/Porch
None
Parking
Features
Off Street
Total Spaces
4
Utilities
Electric
Circuit Breakers
Water
Public
Sewer
Public Sewer
Gas
None
Other
For Gas Range, For Electric Dryer, Washer Hookup
Financial
Annual Tax
$4,077
Assessed Value
$384,300
HOA & Community
Fee Includes
None
Amenities
None
Optional Fee Includes
None
Down Payment Resource
Eligible
MA Disclosures
Lead Paint
Unknown
Seller Disclosures
None
Exclusions
Furniture And Decorations Staged, All Will Be Removed.
Additional Details
Possession
None
Accepted Financing
None
Structure Type
[]
House Color
Cream
Sq Ft Source
Public Record
Documents
None
County
Essex
Total market time (incl. prior listings)
11 days
Property Overview
Property Type
Single Family Residence
Listing Type
For Sale
Year Built
1852
Bedrooms
1
Full Bathrooms
2
Living Area
952 sq ft
Total Rooms
5
Floor Layout
Interactive room guide
Floor Layout
Finished Area
952 sq ft above grade
FeaturesBathroom - Full, Walk-In Closet(s), Flooring - Wall to Wall Carpet, Recessed Lighting
LevelSecond
FeaturesFlooring - Vinyl, Dining Area, Countertops - Upgraded, Cabinets - Upgraded
LevelMain,First
FeaturesBathroom - 3/4, Bathroom - Tiled With Shower Stall, Ceiling Fan(s), Flooring - Stone/Ceramic Tile, Dryer Hookup - Electric, Washer Hookup, Pocket Door
LevelFirst
FeaturesWood / Coal / Pellet Stove, Ceiling Fan(s), Flooring - Wall to Wall Carpet, Recessed Lighting
LevelMain,First
FeaturesNo
Display Options
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:
Tile, Carpet, Flooring - Wall to Wall Carpet
Appliances:
Gas Water Heater, Range, Dishwasher, Refrigerator
Interior Features:
Recessed Lighting, Sitting Room, Finish - Cement Plaster, High Speed Internet
Windows:
Basement:
Full, Interior Entry, Bulkhead, Unfinished
Laundry:
Electric Dryer Hookup, Washer Hookup, First Floor
Security:
Security System
Construction & Materials
Style:
Italianate, Second Empire
Year Built:
1852
Structure Type:
Exterior Materials:
Frame
Roof:
Shingle
Foundation:
Stone
Heating, Cooling & Utilities
Heating:
Forced Air
Cooling:
Ductless
Hot Water:
Water Source:
Public
Sewer:
Public Sewer
Energy Features:
Exterior & Lot
Exterior Features:
Storage, Fenced Yard
Patio & Porch:
Fencing:
Fenced/Enclosed, Fenced
Other Structures:
Lot Features:
Gentle Sloping
Road Surface:
Parking & Garage
Total Parking Spaces:
4
Parking Features:
Off Street
Special Features
Waterfront:
Yes
Waterfront Type:
Waterfront, River
View:
Yes
View Type:
Scenic View(s)
Community Amenities:
Park, Walk/Jog Trails, Bike Path, Private School, Public School, T-Station
Nearby Schools
School District
Haverhill School District local
C
Where Graduates Go
Class of 2021
57%
attend college
30%
4-Year
26%
2-Year
9%
Out of State
0%
Working
School Safety
2024-25
3.1%
Above Average
3.0%
Suspensions
0.9%
In-School
0.1%
Emergency
2.4% below state avg
Elementary Schools
10 schools
Sacred Hearts Elementary School
0.3 mi
Grades K-08
Greenleaf Academy
0.5 mi
33 students
Diverse
Diverse Student Body
Grades 01-12
B-
Caleb Dustin Hunking School
1.1 mi
|
#187 of 352
|
Score: 41.5
Dropped 22 spots from last year
-16.7 below state avg
1,064 students
Diverse
Grades K-08
St. Joseph School of All Saints Parish
1.1 mi
Grades PK-08
Bartlett School and Assessment Center
1.6 mi
48 students
Diverse
Diverse Student Body
Grades K-12
Bradford Christian Academy
2.5 mi
Grades K-12
B+
Hill View Montessori Charter Public School
2.5 mi
|
#7 of 16
|
Score: 34.6
Improved 308 spots from last year
-23.6 below state avg
306 students
Diverse
Rising School
Diverse Student Body
Grades K-08
C+
Golden Hill School
0.6 mi
|
#553 of 825
|
Score: 42.9
Improved 17 spots from last year
-15.3 below state avg
524 students
Diverse
Grades K-04
B-
Bradford Elementary School
1.1 mi
|
#434 of 825
|
Score: 46.5
Improved 188 spots from last year
-11.7 below state avg
404 students
Diverse
Rising School
Grades K-04
C
Tilton School
1.3 mi
|
#653 of 825
|
Score: 38.1
Dropped 172 spots from last year
-20.1 below state avg
478 students
Diverse
Grades K-04
Middle Schools
3 schools
C-
Dr. Paul Nettle Middle School
0.6 mi
|
#293 of 352
|
Score: 32.3
Dropped 43 spots from last year
-25.9 below state avg
504 students
Diverse
Grades 05-08
C
Consentino Middle School
1.6 mi
|
#277 of 352
|
Score: 34.1
Dropped 8 spots from last year
-24.1 below state avg
770 students
Diverse
Grades 05-08
C
John G Whittier School
1.8 mi
|
#281 of 352
|
Score: 33.8
Improved 18 spots from last year
-24.4 below state avg
469 students
Diverse
Diverse Student Body
Grades 05-08
High Schools
3 schools
B-
Gateway Academy
1.4 mi
|
#15 of 25
|
Score: 31.2
Improved 357 spots from last year
-27 below state avg
132 students
Diverse
Rising School
Grades 07-12
C
Haverhill High School
2.0 mi
|
#256 of 346
|
Score: 46.7
Improved 74 spots from last year
-11.6 below state avg
1,850 students
Diverse
21 sports
• 1,780 athletes
Early College Program
Rising School
Career Tech Programs
Strong Athletics
Grades 09-12
B+
Whittier Regional Vocational School
3.6 mi
|
#123 of 346
|
Score: 58.6
Dropped 34 spots from last year
+0.4 above state avg
1,288 students
Diverse
Early College Program
High Graduation Rate
Career Tech Programs
College Ready Curriculum
Grades 09-12
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Monthly Payment Breakdown
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Property Tax
$340
Homeowners Insurance
$200
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Payment Over Time
Year 1
95% Interest
Year 15
50/50
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95% Principal
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Location
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Neighborhood
21 South River St., Haverhill MA 01835
Haverhill, MA 01835
Listing Information
Listing Agent
Lisa Fenlon-Major
Listing Office
Keller Williams Realty - Londonderry
Office Phone
603-965-2992
Agent MLS ID
NH000165
Office MLS ID
AC2360
Listing Data Updated
Sep 9, 2026 12:10 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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