37-39 S. Central Street, Haverhill MA 01835

Haverhill, MA 01835 • Bradford - BRADFORD
$729,000
Est. $4,422/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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5
Beds
3
Baths
2,737
Sq Ft
$266
Price/Sq Ft
0.12
Acres
1900
Year Built
1
Garage Space
6 hours 44 minutes
Time on Market
For Sale Open House Listed Oct 7, 2026 • MLS# 73587486 Copied! • Updated Oct 7, 2026

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Open House Schedule

10
Oct
Saturday, October 10
11:00 AM - 1:00 PM EDT
11
Oct
Sunday, October 11
11:00 AM - 1:00 PM EDT

About this home

Welcome to this beautifully maintained and thoughtfully updated two-family home in a desirable Bradford location! Set on a corner lot with ample off-street parking, this versatile property offers an excellent opportunity for an owner-occupant, multi-generational living, or investment. Both units feature spacious, inviting layouts with comfortable living and dining areas, two generously sized bedrooms, updated kitchens with granite countertops, upgraded cabinetry, stainless steel appliances, and plenty of storage. Each unit also offers convenient in-unit laundry. Throughout the home, you'll find gorgeous original hardwood floors, recessed lighting, and charming period details that blend beautifully with modern updates. The home's exterior offers plenty to enjoy, including an oversized covered farmer's porch, covered rear porch, vinyl siding, updated windows, and an updated roof. A detached garage and abundant off-street parking add even more convenience. Adding to the versatility is a finished third-floor in-law space, creating additional room for guests, extended family, a home office, or other needs. Original second-floor pocket doors and other character details add a unique touch rarely found in today's multi-family homes. Located with easy access to I-495 and Routes 125 and 113, this is a commuter-friendly location close to everything Bradford and the surrounding area have to offer. A unique combination of character, updates, space, and versatility—come see all this exceptional property has to offer and make it yours!

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Recently Sold Nearby

Property History

Market Insights

14.8%
Price Range
1
Previous Sales

Property Timeline

🔧
Property Type Updated
Oct 7, 2026
Single Family Residence → Multi Family
🏠
Listed for Sale
Oct 7, 2026
$729,000
Original listing
Agent: Michele McGonagle Office: Cameron Real Estate Group
Previous Transaction - MLS #73080207
Full transaction history available when tracking began
🏷️
Previously Sold
Apr 10, 2023
$621,100
MLS #73080207

Tax History

Year Taxes Assessment
2026 $6,430 $0

Financial Details

Annual Property Tax
$6,430
Tax Year 2026
Assessed Value
$0

Facts & Features

1 Car Garage

Home Facts

Type Residential Income
Style Multi Family
Year Built 1900
Living Area 2,737 sq ft
Lot Size 0.12 acres
Stories 3
Bedrooms 5
Full Baths 3
Total Rooms 12

Investment Metrics

Units 2
Unit 1 Rent $2,500/mo · N
Unit 2 Rent $2,500/mo · Y
Total Monthly Rent $5,000/mo
Gross Income $60,000
Net Operating Income $60,000
Cap Rate 8.23%
Heating None
Cooling None
Flooring None
Appliances None
Fireplace None
Basement Full, Unfinished
Laundry None
Features None
Construction Frame
Architecture Colonial
Roof Shingle
Features None
Pool None
Spa None
Fencing None
Patio/Porch None
Garage Spaces 1
Has Garage Yes
Features None
Total Spaces 6
Electric None
Water Public
Sewer Public Sewer
Gas None
Other None

Financial

Annual Tax $6,430
Assessed Value 0.00
Fee Includes None
Amenities None
Optional Fee Includes None
Lead Paint Unknown
Seller Disclosures None
Possession None
Accepted Financing None
Structure Type []
House Color Beige
Sq Ft Source Public Record
Documents None
County Essex

Property Overview

Property Type
Multi Family
Listing Type
For Sale
Year Built
1900
Bedrooms
5
Full Bathrooms
3
Living Area
2,737 sq ft
Total Rooms
12
Stories
3
Levels
3

Floor Layout

Interior Features

Flooring:
Appliances:
Interior Features:
Windows:
Basement: Full, Unfinished
Laundry:
Security:

Construction & Materials

Style: Colonial
Year Built: 1900
Structure Type:
Exterior Materials: Frame
Roof: Shingle
Foundation: Concrete Perimeter
Stories: 3

Heating, Cooling & Utilities

Heating:
Heating Zones: 2
Cooling:
Hot Water:
Water Source: Public
Sewer: Public Sewer
Energy Features:

Exterior & Lot

Exterior Features:
Patio & Porch:
Fencing:
Other Structures:
Lot Features: Corner Lot
Road Surface:

Parking & Garage

Garage Spaces: 1
Total Parking Spaces: 6
Parking Features:
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
E

Elementary Schools

3 schools
Sacred Hearts Elementary School
0.2 mi
Grades K-08
Greenleaf Academy
0.3 mi
33 students Diverse
Diverse Student Body
Grades 01-12
C+
Golden Hill School
0.7 mi | #553 of 825 | Score: 42.9
Improved 17 spots from last year
-15.3 below state avg
524 students Diverse
Grades K-04
M

Middle Schools

3 schools
C-
Dr. Paul Nettle Middle School
0.8 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
1.5 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
2.0 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
H

High Schools

3 schools
B-
Gateway Academy
1.5 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
A
Pentucket Regional Senior High School
3.1 mi | #68 of 346 | Score: 64.8
Same rank as last year
+6.6 above state avg
565 students Less Diverse
19 sports • 1,514 athletes
Strong AP Program High Graduation Rate Strong Athletics
Grades 09-12
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Monthly Payment Calculator

Monthly Payment
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Principal, interest, taxes & insurance
Loan Amount
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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 $536
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
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Cost $0/mo

Payment Over Time

Interest
Principal
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

Bradford - BRADFORD

37-39 S. Central Street, Haverhill MA 01835

Haverhill, MA 01835

Listing Information

Listing Agent Michele McGonagle
Listing Office Cameron Real Estate Group
Office Phone 781-486-3180
Agent MLS ID NB114902
Office MLS ID AC0756
Listing Data Updated Oct 7, 2026 7:20 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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