LevelSecond
406 Neck Rd, Lancaster MA 01523
Lancaster, MA 01523
$699,900
Est. $4,345/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
This one is very special!! Set on one of Lancaster’s oldest streets, this 1850 antique Colonial pairs elegant period details with rooms made for holidays and family gatherings. The kitchen opens to a sun-filled keeping room. Banks of divided-light windows overlook the gardens and pool waiting to be rediscovered. A center island and custom cabinet fronts blend the appliances into the cabinetry. There is literally something new to discover at every turn in this home! Built-ins, abundant closets or storage nooks, wide-plank floors, bull’s-eye glass, period-style hardware and four fireplaces reward a closer look. Enjoy the spacious fireplaced familyroom with exposed ceiling beams built ins and window seat. Above the dining room fireplace, murals depict Lancaster scenes, including the Bulfinch Church. In the living room you'll find another fireplace and bookcases. The foyer has a sweeping landscape mural that follows the staircase up to the second floor that leads to 2/3 bedrooms (1 of the bedrooms currently converted to a kitchen). The primary suite features a private balcony and a bath with a jetted tub. Outside, the inground pool, old gardens and multiple patio areas await rediscovery. Currently arranged as two living spaces with two kitchens and two laundry areas, the home offers the option to restore its original four-bedroom layout. A heated home office occupies a converted garage bay.
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Recently Sold Nearby
Price & Status History
Property Timeline
Listed for Sale
Nov 11, 2026
$699,900
Original listing
Agent: Richard Freeman
Office: Keller Williams Realty North Central
| Date | Event | Price | Change | $/sqft | Details |
|---|---|---|---|---|---|
| 11/11/2026 | 🏠 Listed for Sale | $699,900 | - | - | Original listing |
Tax History
| Year | Taxes | Assessment |
|---|---|---|
| 2026 | $7,274 | $430,400 |
Financial Details
Annual Property Tax
$7,274
Tax Year 2026
Assessed Value
$430,400
Facts & Features
2 Car Garage
Home Facts
Type
Residential
Style
Single Family Residence
Year Built
1850
Living Area
2,730 sq ft
Lot Size
0.47 acres
Bedrooms
4
Full Baths
3
Total Rooms
8
Interior
Heating
Baseboard, Oil
Cooling
None
Flooring
Wood, Hardwood
Appliances
Water Heater, Range, Dishwasher, Disposal, Refrigerator, Washer, Dryer
Fireplace
None
Fireplaces
4
Basement
Full
Laundry
First Floor
Features
Kitchen, Foyer, Home Office
Exterior
Construction
Frame
Architecture
Colonial, Antique
Roof
Shingle
Features
Patio, Pool - Inground
Pool
In Ground
Spa
None
Fencing
None
Patio/Porch
Patio
Parking
Garage Spaces
2
Has Garage
Yes
Features
Attached, Paved Drive
Total Spaces
10
Utilities
Electric
Circuit Breakers, 200+ Amp Service
Water
Public
Sewer
Public Sewer
Gas
None
Other
For Electric Range
Financial
Annual Tax
$7,274
Assessed Value
$430,400
HOA & Community
Fee Includes
None
Amenities
None
Optional Fee Includes
None
MA Disclosures
Lead Paint
Unknown
Seller Disclosures
Home Was Being Used As A 2 Family - 1 Of The Bdrms On The 2nd Flr Has Been Converted To A Full Kitchen. 2 Laundries -1st Flr & Basement. Pool Has Not Been Open In Few Years But Was Fully Functional When Closed. 1 Garage Bay Has Been Convert To Heated Home Office
Exclusions
All Appliances Included
Additional Details
Possession
None
Accepted Financing
None
Structure Type
[]
House Color
Gray
Sq Ft Source
Public Record
Sq Ft Disclosures
4th Bedroom serves as an additional kitchen. 2nd Garage bay has been converted to heated home office
Documents
None
County
Worcester
Property Overview
Property Type
Single Family Residence
Listing Type
For Sale
Year Built
1850
Bedrooms
4
Full Bathrooms
3
Living Area
2,730 sq ft
Total Rooms
8
Floor Layout
Interactive room guide
Floor Layout
Finished Area
2,730 sq ft above grade
LevelSecond
LevelSecond
LevelSecond
LevelSecond
LevelFirst
LevelFirst
LevelFirst
LevelFirst
LevelFirst
LevelFirst
FeaturesYes
Display Options
Outdoor Areas
PoolIn Ground
Patio & porchPatio
Room Markers
OOffice (1)
KKitchen (1)
BRBedroom (3)
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:
Wood, Hardwood
Appliances:
Water Heater, Range, Dishwasher, Disposal, Refrigerator, Washer, Dryer
Interior Features:
Kitchen, Foyer, Home Office
Windows:
Basement:
Full
Laundry:
First Floor
Security:
Construction & Materials
Style:
Colonial, Antique
Year Built:
1850
Structure Type:
Exterior Materials:
Frame
Roof:
Shingle
Foundation:
Block, Stone, Brick/Mortar
Utilities & Systems
Heating:
Baseboard, Oil
Heating Zones:
2
Cooling:
None
Hot Water:
Water Source:
Public
Sewer:
Public Sewer
Energy Features:
Exterior & Lot
Exterior Features:
Patio, Pool - Inground
Patio & Porch:
Patio
Fencing:
Other Structures:
Lot Features:
Level
Road Surface:
Parking & Garage
Garage Spaces:
2
Garage Type:
Attached
Total Parking Spaces:
10
Parking Features:
Attached, Paved Drive
Special Features
Fireplaces:
4
Fireplace Type:
Pool:
Private Pool
Pool Features:
In Ground
Community Amenities:
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
$606
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
406 Neck Rd, Lancaster MA 01523
Lancaster, MA 01523
Listing Information
Listing Agent
Richard Freeman
Listing Office
Keller Williams Realty North Central
Office Phone
978-779-5090
Agent MLS ID
K0001436
Office MLS ID
AC2204
Listing Data Updated
Nov 11, 2026 1:56 PM EST
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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