20 Mott St, Worcester MA 01604
Worcester, MA 01604
$639,900
Est. $3,922/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
Exceptional, well-maintained three-family property offering 2 bedrooms and 1 bath in each unit. The first floor will be delivered vacant at closing, providing flexibility for owner-occupants or investors seeking market rent. The second and third floors are tenant-at-will. Property features separately metered gas and electric utilities (four electrical panels). Three newer natural gas hot water tank. Detached three-car garage currently used for storage, along with additional off-street parking. Prime Worcester location, near shopping, dining, and major routes. Strong opportunity for investment or owner-occupancy.
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Recently Sold Nearby
Property History
Market Insights
Property Timeline
Pending Sale
May 24, 2026
Offer accepted, sale pending
Listed for Sale
Apr 30, 2026
$639,900
Original listing
Office: Property Investors & Advisors, LLC
| Date | Event | Price | Change | $/sqft | Details |
|---|---|---|---|---|---|
| 05/24/2026 | ⏳ Pending Sale | - | - | - | Offer accepted, sale pending |
| 04/30/2026 | 🏠 Listed for Sale | $639,900 | - | - | Original listing |
Tax History
| Year | Taxes | Assessment |
|---|---|---|
| 2025 | $5,831 | $442,100 |
Financial Details
Annual Property Tax
$5,831
Tax Year 2025
Assessed Value
$442,100
Facts & Features
3 Car Garage
Home Facts
Type
Residential Income
Style
3 Family
Year Built
1900
Living Area
2,460 sq ft
Lot Size
0.11 acres
Stories
3
Bedrooms
6
Full Baths
3
Total Rooms
12
Investment Metrics
Units
3
Unit 1 Rent
$2,000/mo · N
Unit 2 Rent
$1,550/mo · N
Unit 3 Rent
$1,500/mo · N
Total Monthly Rent
$5,050/mo
Gross Income
$24,000
Net Operating Income
$24,000
Cap Rate
3.75%
Interior
Heating
Natural Gas, Electric
Cooling
None
Flooring
None
Appliances
Range, Refrigerator
Fireplace
None
Basement
Full
Laundry
None
Features
Living Room, Kitchen, Laundry Room
Exterior
Construction
None
Architecture
None
Roof
None
Features
None
Pool
None
Spa
None
Fencing
None
Patio/Porch
Porch, Enclosed
Parking
Garage Spaces
3
Has Garage
Yes
Features
Paved Drive, Off Street, Paved
Total Spaces
6
Utilities
Electric
None
Water
Public
Sewer
Public Sewer
Gas
None
Other
None
Financial
Annual Tax
$5,831
Assessed Value
$442,100
HOA & Community
Fee Includes
None
Amenities
None
Optional Fee Includes
None
MA Disclosures
Lead Paint
Unknown
Seller Disclosures
Sold As-is. First Floor Is Owner-occupied; Rent Listed Is An Estimate And The Unit Will Be Delivered Vacant At Closing. Second And Third Floors Are Tenant-at-will. Roof Is Older. Buyers And Buyers’ Agents To Perform Their Own Due Diligence. Easy To Show But 24 Hrs Notice Is Required. Thank You!
Additional Details
Possession
None
Accepted Financing
None
Structure Type
[]
Sq Ft Source
Public Record
Documents
None
County
Worcester
Total market time (incl. prior listings)
24 days
Property Overview
Property Type
3 Family
Listing Type
Sale Pending
Year Built
1900
Bedrooms
6
Full Bathrooms
3
Living Area
2,460 sq ft
Total Rooms
12
Stories
3
Levels
3
Floor Layout
Interactive room guide
Floor Layout
Finished Area
2,460 sq ft above grade
Display Options
Outdoor Areas
Patio & porchPorch, Enclosed
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:
Range, Refrigerator
Interior Features:
Living Room, Kitchen, Laundry Room
Windows:
Basement:
Full
Laundry:
Security:
Construction & Materials
Year Built:
1900
Structure Type:
Exterior Materials:
Roof:
Foundation:
Stone
Stories:
3
Heating, Cooling & Utilities
Heating:
Natural Gas, Electric
Cooling:
Hot Water:
Natural Gas
Water Source:
Public
Sewer:
Public Sewer
Energy Features:
Exterior & Lot
Exterior Features:
Patio & Porch:
Porch, Enclosed
Fencing:
Other Structures:
Lot Features:
Road Surface:
Parking & Garage
Garage Spaces:
3
Total Parking Spaces:
6
Parking Features:
Paved Drive, Off Street, Paved
Nearby Schools
School District
Worcester School District local
C-
Where Graduates Go
Class of 2021
51%
attend college
35%
4-Year
16%
2-Year
4%
Out of State
4%
Working
School Safety
2024-25
4.1%
Above Average
3.3%
Suspensions
1.7%
In-School
0.8%
Emergency
1.4% below state avg
Elementary Schools
3 schools
F
Grafton Street School
0.2 mi
|
#796 of 825
|
Score: 28.9
Improved 3 spots from last year
-29.3 below state avg
438 students
Diverse
Diverse Student Body
Grades K-06
F
Union Hill School
0.2 mi
|
#815 of 825
|
Score: 25.0
Dropped 19 spots from last year
-33.2 below state avg
383 students
Diverse
Grades K-06
F
Worcester Cultural Academy Charter Public School
0.4 mi
|
#790 of 825
|
Score: 29.4
Improved 45 spots from last year
-28.8 below state avg
230 students
Diverse
Rising School
Diverse Student Body
Grades K-06
Middle Schools
2 schools
C-
Worcester East Middle School
0.3 mi
|
#302 of 352
|
Score: 31.5
Improved 51 spots from last year
-26.7 below state avg
781 students
Diverse
Rising School
Diverse Student Body
Grades 06-08
The Nativity School of Worcester
1.4 mi
Grades 05-08
High Schools
3 schools
Worcester Academy
0.2 mi
Grades 06-12
Saint Paul Diocesan Junior/Senior High School
0.9 mi
Grades 07-12
Worcester Alternative High School
1.2 mi
36 students
Diverse
Diverse Student Body
Grades 07-12
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Monthly Payment Calculator
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Loan Amount
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After down payment
Total Interest
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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
$0
Property Tax
$486
Homeowners Insurance
$200
PMI (if <20% down)
$0
Loan Summary
Total of 360 payments
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Total principal paid
$0
Total interest paid
$0
Rate Impact
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Current Rate
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+0.5% Rate
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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
20 Mott St, Worcester MA 01604
Worcester, MA 01604
Listing Information
Listing Agent
Elda Arias
Listing Office
Property Investors & Advisors, LLC
Office Phone
774-413-0272
Agent MLS ID
CN242006
Office MLS ID
AN6259
Listing Data Updated
Sep 12, 2026 1:35 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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