38 Cottage Street, Leominster MA 01453
Leominster, MA 01453
$474,900
$430,000
Est. $2,764/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
NEW PRICE ON THIS 2026 RENOVATED three-bedroom, two-bath home with a large fenced-in yard! Turn the key and enjoy all the upgrades: new stainless steel appliances, quartz countertops, and new flooring and fresh paint throughout, updated electrical service, and the added benefit of OWNED SOLAR PANELS already in place to help reduce your electric bill. System-wise, a new FURNACE and OIL TANK were installed in 2022 and the electrical system was fully updated in 2026. Plenty of off-street parking for up to FOUR cars, a generously sized backyard that is fully fenced for pets, and a nice sized metal storage shed complete this move-in-ready property. The owed driveway to the left of the house is shared by AND plowed by the rear neighbor of this property. Great value for Leominster!
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Recently Sold Nearby
Property History
Market Insights
25
Price Changes
9.5%
Price Range
Property Timeline
Price Reduced
Oct 3, 2026
$430,000
$50
(-0.01%)
From $430,050 to $430,000 (-0.0%)
Price Reduced
Oct 2, 2026
$430,050
$50
(-0.01%)
From $430,100 to $430,050 (-0.0%)
Price Reduced
Sep 26, 2026
$430,100
$50
(-0.01%)
From $430,150 to $430,100 (-0.0%)
Price Reduced
Sep 20, 2026
$430,150
$50
(-0.01%)
From $430,200 to $430,150 (-0.0%)
Price Reduced
Sep 19, 2026
$430,200
$50
(-0.01%)
From $430,250 to $430,200 (-0.0%)
Price Reduced
Sep 11, 2026
$430,250
$50
(-0.01%)
From $430,300 to $430,250 (-0.0%)
Price Reduced
Sep 5, 2026
$430,300
$100
(-0.02%)
From $430,400 to $430,300 (-0.0%)
Price Reduced
Sep 4, 2026
$430,400
$100
(-0.02%)
From $430,500 to $430,400 (-0.0%)
Price Reduced
Aug 30, 2026
$430,500
$500
(-0.12%)
From $431,000 to $430,500 (-0.1%)
Price Reduced
Aug 28, 2026
$431,000
$500
(-0.12%)
From $431,500 to $431,000 (-0.1%)
Price Reduced
Aug 27, 2026
$431,500
$500
(-0.12%)
From $432,000 to $431,500 (-0.1%)
Price Reduced
Aug 26, 2026
$432,000
$7,900
(-1.8%)
From $439,900 to $432,000 (-1.8%)
Price Reduced
Aug 22, 2026
$439,900
$50
(-0.01%)
From $439,950 to $439,900 (-0.0%)
Price Reduced
Aug 20, 2026
$439,950
$50
(-0.01%)
From $440,000 to $439,950 (-0.0%)
Price Reduced
Aug 19, 2026
$440,000
$4,500
(-1.01%)
From $444,500 to $440,000 (-1.0%)
Price Reduced
Aug 15, 2026
$444,500
$400
(-0.09%)
From $444,900 to $444,500 (-0.1%)
Price Reduced
Aug 15, 2026
$444,900
$100
(-0.02%)
From $445,000 to $444,900 (-0.0%)
Price Reduced
Aug 14, 2026
$445,000
$1,000
(-0.22%)
From $446,000 to $445,000 (-0.2%)
Price Reduced
Aug 10, 2026
$446,000
$3,925
(-0.87%)
From $449,925 to $446,000 (-0.9%)
Price Reduced
Aug 1, 2026
$449,925
$25
(-0.01%)
From $449,950 to $449,925 (-0.0%)
Price Reduced
Jul 31, 2026
$449,950
$49
(-0.01%)
From $449,999 to $449,950 (-0.0%)
Price Reduced
Jul 28, 2026
$449,999
$9,501
(-2.07%)
From $459,500 to $449,999 (-2.1%)
Price Reduced
Jul 25, 2026
$459,500
$300
(-0.07%)
From $459,800 to $459,500 (-0.1%)
Price Reduced
Jul 24, 2026
$459,800
$100
(-0.02%)
From $459,900 to $459,800 (-0.0%)
Price Reduced
Jul 21, 2026
$459,900
$15,000
(-3.16%)
From $474,900 to $459,900 (-3.2%)
Showing Instructions Updated
Jul 8, 2026
New showing requirements
Listed for Sale
Jul 8, 2026
$474,900
Original listing
| Date | Event | Price | Change | $/sqft | Details |
|---|---|---|---|---|---|
| 10/03/2026 | ↓ Price Reduced | $430,000 | $50 | - | From $430,050 to $430,000 (-0.0%) |
| 10/02/2026 | ↓ Price Reduced | $430,050 | $50 | - | From $430,100 to $430,050 (-0.0%) |
| 09/26/2026 | ↓ Price Reduced | $430,100 | $50 | - | From $430,150 to $430,100 (-0.0%) |
| 09/20/2026 | ↓ Price Reduced | $430,150 | $50 | - | From $430,200 to $430,150 (-0.0%) |
| 09/19/2026 | ↓ Price Reduced | $430,200 | $50 | - | From $430,250 to $430,200 (-0.0%) |
| 09/11/2026 | ↓ Price Reduced | $430,250 | $50 | - | From $430,300 to $430,250 (-0.0%) |
| 09/05/2026 | ↓ Price Reduced | $430,300 | $100 | - | From $430,400 to $430,300 (-0.0%) |
| 09/04/2026 | ↓ Price Reduced | $430,400 | $100 | - | From $430,500 to $430,400 (-0.0%) |
| 08/30/2026 | ↓ Price Reduced | $430,500 | $500 | - | From $431,000 to $430,500 (-0.1%) |
| 08/28/2026 | ↓ Price Reduced | $431,000 | $500 | - | From $431,500 to $431,000 (-0.1%) |
| 08/27/2026 | ↓ Price Reduced | $431,500 | $500 | - | From $432,000 to $431,500 (-0.1%) |
| 08/26/2026 | ↓ Price Reduced | $432,000 | $7,900 | - | From $439,900 to $432,000 (-1.8%) |
| 08/22/2026 | ↓ Price Reduced | $439,900 | $50 | - | From $439,950 to $439,900 (-0.0%) |
| 08/20/2026 | ↓ Price Reduced | $439,950 | $50 | - | From $440,000 to $439,950 (-0.0%) |
| 08/19/2026 | ↓ Price Reduced | $440,000 | $4,500 | - | From $444,500 to $440,000 (-1.0%) |
| 08/15/2026 | ↓ Price Reduced | $444,500 | $400 | - | From $444,900 to $444,500 (-0.1%) |
| 08/15/2026 | ↓ Price Reduced | $444,900 | $100 | - | From $445,000 to $444,900 (-0.0%) |
| 08/14/2026 | ↓ Price Reduced | $445,000 | $1,000 | - | From $446,000 to $445,000 (-0.2%) |
| 08/10/2026 | ↓ Price Reduced | $446,000 | $3,925 | - | From $449,925 to $446,000 (-0.9%) |
| 08/01/2026 | ↓ Price Reduced | $449,925 | $25 | - | From $449,950 to $449,925 (-0.0%) |
| 07/31/2026 | ↓ Price Reduced | $449,950 | $49 | - | From $449,999 to $449,950 (-0.0%) |
| 07/28/2026 | ↓ Price Reduced | $449,999 | $9,501 | - | From $459,500 to $449,999 (-2.1%) |
| 07/25/2026 | ↓ Price Reduced | $459,500 | $300 | - | From $459,800 to $459,500 (-0.1%) |
| 07/24/2026 | ↓ Price Reduced | $459,800 | $100 | - | From $459,900 to $459,800 (-0.0%) |
| 07/21/2026 | ↓ Price Reduced | $459,900 | $15,000 | - | From $474,900 to $459,900 (-3.2%) |
| 07/08/2026 | 👁️ Showing Instructions Updated | - | - | - | New showing requirements |
| 07/08/2026 | 🏠 Listed for Sale | $474,900 | - | - | Original listing |
Tax History
| Year | Taxes | Assessment |
|---|---|---|
| 2026 | $4,677 | $342,400 |
Financial Details
Annual Property Tax
$4,677
Tax Year 2026
Assessed Value
$342,400
Facts & Features
Home Facts
Type
Residential
Style
Single Family Residence
Year Built
1920
Living Area
1,700 sq ft
Lot Size
0.16 acres
Bedrooms
3
Full Baths
1
Half Baths
1
Total Rooms
7
Interior
Heating
Forced Air, Oil
Cooling
None
Flooring
Tile, Hardwood
Appliances
Electric Water Heater, Range, Dishwasher, Microwave, Refrigerator, Washer, Dryer
Fireplace
None
Basement
Full, Concrete
Laundry
Electric Dryer Hookup, Washer Hookup
Features
None
Exterior
Construction
Frame
Architecture
Colonial
Roof
Shingle
Features
Deck, Patio, Storage, Fenced Yard
Pool
None
Spa
None
Fencing
Fenced
Patio/Porch
Deck, Patio
Parking
Features
Paved Drive, Off Street, Paved
Total Spaces
4
Utilities
Electric
Circuit Breakers
Water
Public
Sewer
Public Sewer
Gas
None
Other
For Electric Range, For Electric Dryer, Washer Hookup
Financial
Annual Tax
$4,677
Assessed Value
$342,400
HOA & Community
Fee Includes
None
Amenities
None
Optional Fee Includes
None
Down Payment Resource
Eligible
MA Disclosures
Lead Paint
Unknown
Seller Disclosures
Listing Agent Is Trustee Of Trust That Owns Property But Not A Beneficiary. Solar Power Production And Kw Figures Have Been Estimated, Buyer To Confirm Actual Figures.
Additional Details
Possession
None
Accepted Financing
None
Structure Type
[]
House Color
White
Sq Ft Source
Public Record
Documents
None
County
Worcester
Total market time (incl. prior listings)
87 days
Property Overview
Property Type
Single Family Residence
Listing Type
For Sale
Year Built
1920
Bedrooms
3
Full Bathrooms
1
Half Bathrooms
1
Living Area
1,700 sq ft
Total Rooms
7
Floor Layout
Interior Features
Flooring:
Tile, Hardwood
Appliances:
Electric Water Heater, Range, Dishwasher, Microwave, Refrigerator, Washer, Dryer
Interior Features:
Windows:
Insulated Windows
Basement:
Full, Concrete
Laundry:
Electric Dryer Hookup, Washer Hookup
Security:
Construction & Materials
Style:
Colonial
Year Built:
1920
Structure Type:
Exterior Materials:
Frame
Roof:
Shingle
Foundation:
Stone
Heating, Cooling & Utilities
Heating:
Forced Air, Oil
Cooling:
None
Hot Water:
Water Source:
Public
Sewer:
Public Sewer
Energy Features:
Thermostat
Exterior & Lot
Exterior Features:
Deck, Patio, Storage, Fenced Yard
Patio & Porch:
Deck, Patio
Fencing:
Fenced
Other Structures:
Lot Features:
Road Surface:
Paved
Parking & Garage
Total Parking Spaces:
4
Parking Features:
Paved Drive, Off Street, Paved
Nearby Schools
School information not available for this location.
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
$390
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
38 Cottage Street, Leominster MA 01453
Leominster, MA 01453
Listing Information
Listing Agent
James Greelish
Listing Office
Greelish Realty
Office Phone
978-302-0198
Agent MLS ID
D9500177
Office MLS ID
AN4083
Listing Data Updated
Oct 3, 2026 1:08 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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