164 Union St, Natick MA 01760
Natick, MA 01760
$989,000
Est. $5,999/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 truly versatile property in sought-after South Natick, featuring two residential dwellings plus a detached garage/barn. Offering exceptional flexibility for homeowners, extended family, guests, or rental potential, this unique property combines character, functionality, and thoughtful updates. The main residence offers 4 bedrooms and 3 bathrooms, including a newly added upstairs full bathroom (2020), along with a remodeled kitchen (2025), new furnace (2025), new siding (2021), and a partially finished basement with fireplace providing bonus living or recreational space. The home is also partially powered by an owned 36-panel solar array, offering an additional energy-efficient feature. A charming separate cottage provides 2 additional bedrooms and living space, making it ideal for guests, extended family, a home office, or potential rental income. Mini-split heating and cooling was added in 2023 to supplement the existing oil heat. Set in a desirable location with convenient access to Natick Center, South Natick Village, local restaurants, major routes, beautiful gardens, and scenic trails, the property offers both convenience and the charm and tranquility of South Natick. With two distinct residences, a detached garage/barn, extensive recent improvements, and a flexible layout, this is a unique opportunity to create a home that adapts to your needs while offering potential for additional income or multigenerational living.
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Recently Sold Nearby
Property History
Property Timeline
Listed for Sale
Sep 18, 2026
$989,000
Original listing
Agent: The Allain Group
Office: Compass
| Date | Event | Price | Change | $/sqft | Details |
|---|---|---|---|---|---|
| 09/18/2026 | 🏠 Listed for Sale | $989,000 | - | - | Original listing |
Tax History
| Year | Taxes | Assessment |
|---|---|---|
| 2025 | $9,575 | $800,600 |
Financial Details
Annual Property Tax
$9,575
Tax Year 2025
Assessed Value
$800,600
Facts & Features
2 Car Garage
Home Facts
Type
Residential
Style
Single Family Residence
Year Built
1890
Living Area
2,300 sq ft
Lot Size
0.35 acres
Bedrooms
4
Full Baths
3
Total Rooms
8
Interior
Heating
Oil, Natural Gas
Cooling
Window Unit(s)
Flooring
None
Appliances
None
Fireplace
None
Fireplaces
2
Basement
Partially Finished
Laundry
None
Features
None
Exterior
Construction
None
Architecture
Victorian
Roof
None
Features
Porch, Deck, Barn/stable
Pool
None
Spa
None
Fencing
None
Patio/Porch
Porch, Deck
Parking
Garage Spaces
2
Has Garage
Yes
Features
Detached, Storage, Barn, Paved Drive, Off Street
Total Spaces
6
Utilities
Electric
None
Water
Public
Sewer
Private Sewer
Gas
None
Other
None
Financial
Annual Tax
$9,575
Assessed Value
$800,600
HOA & Community
Fee Includes
None
Amenities
None
Optional Fee Includes
None
MA Disclosures
Lead Paint
Unknown
Seller Disclosures
Two Bedrooms In The Main Home Have No Closet. Main Home Has Gas Heating, Cottage Uses Oil And Has Mini Splits. **limited Showings Because Of Tenant In Cottage House**
Additional Details
Possession
None
Accepted Financing
None
Structure Type
[]
House Color
Gray
Sq Ft Source
Other
Sq Ft Disclosures
Approximate and includes approximately 750sqft in ADU/Cottage
Documents
None
County
Middlesex
Property Overview
Property Type
Single Family Residence
Listing Type
For Sale
Year Built
1890
Bedrooms
4
Full Bathrooms
3
Living Area
2,300 sq ft
Total Rooms
8
Floor Layout
Interactive room guide
Floor Layout
Finished Area
2,130 sq ft above grade
170 sq ft below grade
FeaturesYes
Display Options
Outdoor Areas
Patio & porchPorch, Deck
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:
Appliances:
Interior Features:
Windows:
Basement:
Partially Finished
Laundry:
Security:
Construction & Materials
Style:
Victorian
Year Built:
1890
Structure Type:
Exterior Materials:
Roof:
Foundation:
Stone
Heating, Cooling & Utilities
Heating:
Oil, Natural Gas
Cooling:
Window Unit(s)
Hot Water:
Water Source:
Public
Sewer:
Private Sewer
Energy Features:
Exterior & Lot
Exterior Features:
Porch, Deck, Barn/Stable
Patio & Porch:
Porch, Deck
Fencing:
Other Structures:
Barn/Stable
Lot Features:
Road Surface:
Parking & Garage
Garage Spaces:
2
Total Parking Spaces:
6
Parking Features:
Detached, Storage, Barn, Paved Drive, Off Street
Special Features
Fireplaces:
2
Fireplace Type:
Community Amenities:
Public Transportation, Shopping, Tennis Court(s), Park, Walk/Jog Trails, Golf, Medical Facility, Laundromat, Bike Path, Conservation Area, Highway Access, House of Worship, Private School, Public School, T-Station, University
Nearby Schools
School District
Natick School District local
A+
Where Graduates Go
Class of 2021
80%
attend college
76%
4-Year
5%
2-Year
42%
Out of State
6%
Working
School Safety
2024-25
0.3%
Low
0.2%
Suspensions
0.6%
In-School
0.1%
Emergency
5.2% below state avg
Elementary Schools
9 schools
Riverbend School
0.3 mi
Grades PK-08
St. Benedict Elementary Inc.
0.4 mi
Grades K-06
Brandon School
2.9 mi
Grades 01-12
RCS Learning Center School
3.6 mi
Grades PK-12
A
Memorial School
0.4 mi
|
#102 of 825
|
Score: 59.2
Improved 4 spots from last year
+1 above state avg
433 students
Moderate
Strong Attendance
Grades K-04
The Tobin School
1.3 mi
Grades PK
B+
Lilja Elementary School
1.3 mi
|
#308 of 825
|
Score: 50.5
Improved 139 spots from last year
-7.7 below state avg
461 students
Diverse
Rising School
Strong Attendance
Grades K-04
A-
Bennett-Hemenway School
2.9 mi
|
#173 of 825
|
Score: 56.1
Improved 65 spots from last year
-2.1 below state avg
497 students
Diverse
Rising School
Strong Attendance
Grades K-04
A+
Brown School
3.4 mi
|
#66 of 825
|
Score: 61.1
Improved 189 spots from last year
+2.9 above state avg
490 students
Diverse
Rising School
Diverse Student Body
Strong Attendance
Grades K-04
Middle Schools
2 schools
A+
Wilson Middle School
2.6 mi
|
#34 of 352
|
Score: 59.8
Dropped 6 spots from last year
+1.6 above state avg
722 students
Diverse
Strong Attendance
Grades 05-08
A+
J F Kennedy Middle School
3.4 mi
|
#37 of 352
|
Score: 59.2
Improved 5 spots from last year
+1 above state avg
867 students
Diverse
Strong Attendance
Grades 05-08
High Schools
2 schools
A+
Natick High School
2.0 mi
|
#12 of 346
|
Score: 75.3
Improved 46 spots from last year
+17.1 above state avg
1,753 students
Moderate
20 sports
• 2,900 athletes
Strong AP Program
High Graduation Rate
Rising School
College Ready Curriculum
Grades PK-12
Walnut Hill School for the Arts
1.7 mi
Grades 09-12
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Over life of loan
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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
$798
Homeowners Insurance
$200
PMI (if <20% down)
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Loan Summary
Total of 360 payments
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Payment Over Time
Year 1
95% Interest
Year 15
50/50
Year 30
95% Principal
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Location
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Neighborhood
164 Union St, Natick MA 01760
Natick, MA 01760
Listing Information
Listing Agent
The Allain Group
Listing Office
Compass
Office Phone
781-365-9954
Agent MLS ID
TM350667
Office MLS ID
AN5216
Listing Data Updated
Sep 18, 2026 10:51 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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