FeaturesBathroom - With Shower Stall, Bathroom - With Tub
LevelSecond
48 Water St # 405, Worcester MA 01604
Worcester, MA 01604
$319,000
Est. $2,685/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.
Adjust the payment calculatorTrack this home for price, status, and open-house alerts.
About this home
Urban loft living in the heart of Worcester's Canal District. This distinctive condo at 48 Water Street pairs historic character with an open, modern layout, featuring exposed brick, oversized windows and soaring ceilings. The open concept living and kitchen area offer plenty of room to entertain, while the loft style bedroom adds to the character that makes this home anything but ordinary. In-unit laundry and deeded parking space adds to the ease of city living. Monthly condo fee includes heat/cooling, hot water, water/sewer, master insurance, landscaping and more-leaving only electricity and internet to the owner. And perhaps the best amenity may be what's waiting just outside your door. Start your morning at a neighborhood cafe, browse Crompton Collective, grab lunch at the Worcester Public Market, catch a WooSox game at Polar Park, or enjoy dinner and drinks- all just moments from home. With easy access to downtown, major routes and everything the Canal District has to offer. Unit 405 delivers a lifestyle as unique as the space itself.
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Recently Sold Nearby
Property History
Property Timeline
Listed for Sale
Sep 24, 2026
$319,000
Original listing
Agent: Alyssa Coyle
Office: William Raveis R.E. & Home Services
| Date | Event | Price | Change | $/sqft | Details |
|---|---|---|---|---|---|
| 09/24/2026 | 🏠 Listed for Sale | $319,000 | - | - | Original listing |
Tax History
| Year | Taxes | Assessment |
|---|---|---|
| 2026 | $4,167 | $313,800 |
Financial Details
Annual Property Tax
$4,167
Tax Year 2026
HOA Fee
$525
Monthly
Assessed Value
$313,800
Facts & Features
Central AC
Home Facts
Type
Residential
Style
Condominium
Year Built
1890
Living Area
871 sq ft
Stories
5
Bedrooms
1
Full Baths
1
Half Baths
1
Total Rooms
3
Interior
Heating
Forced Air
Cooling
Central Air
Flooring
Vinyl
Appliances
Range, Dishwasher, Microwave, Refrigerator, Washer, Dryer
Fireplace
None
Basement
N
Laundry
Second Floor, In Building, In Unit, Electric Dryer Hookup, Washer Hookup
Features
None
Exterior
Construction
None
Architecture
None
Roof
None
Features
City View(s)
Pool
None
Spa
None
Fencing
None
Patio/Porch
None
Parking
Features
Deeded
Total Spaces
1
Utilities
Electric
None
Water
Public
Sewer
Public Sewer
Gas
None
Other
For Electric Range, For Electric Dryer, Washer Hookup
Financial
Annual Tax
$4,167
Assessed Value
$313,800
HOA & Community
HOA Fee
$525 Monthly
Fee Includes
Heat, Water, Sewer, Insurance, Security, Maintenance Structure, Maintenance Grounds, Snow Removal, Trash, Air Conditioning, Reserve Funds
Amenities
Hot Water, Elevator(s), Fitness Center, Clubroom
Optional Fee Includes
Additional Parking Space
Pets
Yes w/ Restrictions
MA Disclosures
Lead Paint
Unknown
Seller Disclosures
All Information Deemed Accurate But Not Guaranteed. Buyer And Buyer Agent To Verify. Some Photos Include Digitally Staged Furnishings/decor For Visualization Purposes.
Additional Details
Possession
None
Accepted Financing
Contract
Structure Type
["Loft"]
Unit/Building
405
Sq Ft Source
Public Record
Documents
Master Deed, Rules & Regs, Floor Plans, Association Financial Statements (4)
County
Worcester
Property Overview
Property Type
Condominium
Listing Type
For Sale
Year Built
1890
Bedrooms
1
Full Bathrooms
1
Half Bathrooms
1
Living Area
871 sq ft
Total Rooms
3
Stories
5
Entry Level
4
Floor Layout
Interactive room guide
Floor Layout
Finished Area
871 sq ft above grade
FeaturesFlooring - Wall to Wall Carpet, Lighting - Overhead
LevelSecond
FeaturesCountertops - Stone/Granite/Solid, Kitchen Island, Open Floorplan, Stainless Steel Appliances, Closet - Double
LevelFirst
FeaturesBathroom - Half
LevelFirst
FeaturesOpen Floorplan, Lighting - Overhead
LevelFirst
Display Options
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:
Vinyl
Appliances:
Range, Dishwasher, Microwave, Refrigerator, Washer, Dryer
Interior Features:
Windows:
Basement:
N
Laundry:
Second Floor, In Building, In Unit, Electric Dryer Hookup, Washer Hookup
Security:
Intercom
Construction & Materials
Year Built:
1890
Structure Type:
Loft
Exterior Materials:
Roof:
Foundation:
Stories:
5
Heating, Cooling & Utilities
Heating:
Forced Air
Cooling:
Central Air
Hot Water:
Water Source:
Public
Sewer:
Public Sewer
Energy Features:
Exterior & Lot
Exterior Features:
City View(s)
Patio & Porch:
Fencing:
Other Structures:
Lot Features:
Road Surface:
Parking & Garage
Total Parking Spaces:
1
Parking Features:
Deeded
Special Features
View:
Yes
View Type:
City
Community Amenities:
Public Transportation, Shopping, Park, Walk/Jog Trails, Medical Facility, Laundromat, Bike Path, Highway Access, House of Worship, Private School, Public School, T-Station, University
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
10 schools
F
Grafton Street School
0.4 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
C-
Learning First Charter Public School
0.5 mi
|
#292 of 352
|
Score: 32.3
Improved 40 spots from last year
-25.9 below state avg
666 students
Diverse
Rising School
Grades K-08
F
Union Hill School
0.5 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
City View School
0.6 mi
|
#809 of 825
|
Score: 26.0
Dropped 76 spots from last year
-32.2 below state avg
440 students
Diverse
Diverse Student Body
Grades PK-06
F
Worcester Cultural Academy Charter Public School
0.7 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
C-
Jacob Hiatt Magnet School
0.8 mi
|
#693 of 825
|
Score: 36.3
Dropped 138 spots from last year
-21.9 below state avg
362 students
Diverse
Diverse Student Body
Grades PK-06
F
Chandler Elementary Community School
0.8 mi
|
#807 of 825
|
Score: 26.6
Dropped 61 spots from last year
-31.6 below state avg
412 students
Diverse
Diverse Student Body
Grades K-06
Venerini Academy
0.9 mi
Grades PK-08
D
Elm Park Community School
1.0 mi
|
#774 of 825
|
Score: 30.9
Improved 30 spots from last year
-27.4 below state avg
444 students
Diverse
Rising School
Grades K-06
C-
Belmont Street Community School
1.0 mi
|
#723 of 825
|
Score: 34.2
Dropped 114 spots from last year
-24 below state avg
605 students
Diverse
Diverse Student Body
Grades PK-06
Middle Schools
6 schools
The Nativity School of Worcester
1.1 mi
Grades 05-08
Worcester SDA School
3.3 mi
Grades 01-08
C-
Worcester East Middle School
0.7 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
C+
Forest Grove Middle School
2.2 mi
|
#230 of 352
|
Score: 38.2
Improved 90 spots from last year
-20 below state avg
938 students
Diverse
Rising School
Diverse Student Body
Grades 07-08
C+
Burncoat Middle School
2.8 mi
|
#231 of 352
|
Score: 38.0
Improved 50 spots from last year
-20.2 below state avg
679 students
Diverse
Rising School
Diverse Student Body
Grades 07-08
B
Sullivan Middle School
3.5 mi
|
#156 of 352
|
Score: 44.0
Improved 29 spots from last year
-14.2 below state avg
954 students
Diverse
Rising School
Diverse Student Body
Grades 06-08
High Schools
10 schools
Worcester Academy
0.4 mi
Grades 06-12
B+
Claremont Academy
1.2 mi
|
#9 of 25
|
Score: 37.3
Improved 317 spots from last year
-20.9 below state avg
451 students
Moderate
10 sports
• 216 athletes
Early College Program
Rising School
College Ready Curriculum
Grades 07-12
Worcester Alternative High School
1.2 mi
36 students
Diverse
Diverse Student Body
Grades 07-12
Saint Paul Diocesan Junior/Senior High School
1.2 mi
Grades 07-12
C-
University Park Campus School
1.7 mi
|
#286 of 346
|
Score: 42.8
Dropped 9 spots from last year
-15.4 below state avg
224 students
Diverse
Early College Program
College Ready Curriculum
Grades 07-12
Notre Dame Academy
2.4 mi
Grades 07-12
A+
Massachusetts Academy of Math and Science at WPI
1.3 mi
|
#2 of 346
|
Score: 91.7
Same rank as last year
98 students
Moderate
Strong AP Program
College Ready Curriculum
Strong Attendance
Grades 11-12
C-
North High School
1.5 mi
|
#299 of 346
|
Score: 38.8
Improved 28 spots from last year
-19.4 below state avg
1,377 students
Diverse
14 sports
• 498 athletes
Early College Program
Rising School
Career Tech Programs
College Ready Curriculum
Grades 09-12
B-
Doherty Memorial High School
1.5 mi
|
#199 of 346
|
Score: 52.3
Improved 22 spots from last year
-5.9 below state avg
1,756 students
Very Diverse
19 sports
• 1,302 athletes
Early College Program
Rising School
Career Tech Programs
College Ready Curriculum
Grades 09-12
C+
Worcester Technical High School
1.6 mi
|
#223 of 346
|
Score: 50.1
Improved 43 spots from last year
-8.1 below state avg
1,409 students
Diverse
19 sports
• 1,016 athletes
Early College Program
High Graduation Rate
Rising School
Career Tech Programs
Grades 09-12
Learn about these ratings
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
$347
Homeowners Insurance
$200
HOA Fee
$525/mo
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
48 Water St # 405, Worcester MA 01604
Worcester, MA 01604
Listing Information
Listing Agent
Alyssa Coyle
Listing Office
William Raveis R.E. & Home Services
Office Phone
413-549-3700
Agent MLS ID
CN218314
Office MLS ID
AN8246
Listing Data Updated
Sep 23, 2026 10:35 PM 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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