525 Cottage St, New Bedford MA 02740
New Bedford, MA 02740
$485,000
Est. $3,107/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
New Bedford Offering: Wonderful opportunity for portfolio investors or owner-occupants seeking to add cash flow with two leased apartments and additional attic space. Three-bedroom units with living, family, dining and pantry kitchen. Attic offers additional 3-rooms, kitchen, bathroom and living area space. Explore the potential of this multi-family residence and envision the possibilities it holds.
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Recently Sold Nearby
Property History
Property Timeline
Listed for Sale
Sep 22, 2026
$485,000
Original listing
Agent: Muhammad Mushtaq
Office: SBA Realty Group
| Date | Event | Price | Change | $/sqft | Details |
|---|---|---|---|---|---|
| 09/22/2026 | 🏠 Listed for Sale | $485,000 | - | - | Original listing |
Tax History
| Year | Taxes | Assessment |
|---|---|---|
| 2025 | $5,449 | $481,800 |
Financial Details
Annual Property Tax
$5,449
Tax Year 2025
Assessed Value
$481,800
Facts & Features
Home Facts
Type
Residential Income
Style
Multi Family
Year Built
1895
Living Area
3,124 sq ft
Lot Size
0.07 acres
Stories
3
Bedrooms
8
Full Baths
3
Total Rooms
17
Investment Metrics
Units
2
Unit 1 Rent
$1,500/mo · Y
Unit 2 Rent
$2,000/mo · Y
Total Monthly Rent
$3,500/mo
Gross Income
$42,000
Net Operating Income
$35,600
Operating Expenses
$6,400
Water/Sewer Expense
$2,400
Electric Expense
$1,000
Insurance Expense
$3,000
Cap Rate
7.34%
Interior
Heating
None
Cooling
None
Flooring
Other
Appliances
None
Fireplace
None
Basement
Full, Bulkhead, Unfinished
Laundry
None
Features
Living Room, Dining Room, Kitchen
Exterior
Construction
See Remarks
Architecture
None
Roof
Shingle, Other
Features
Outdoor Gas Grill Hookup
Pool
None
Spa
None
Fencing
None
Patio/Porch
Deck
Parking
Features
Off Street
Total Spaces
2
Utilities
Electric
110 Volts, Circuit Breakers
Water
Public
Sewer
Public Sewer
Gas
None
Other
Outdoor Gas Grill Hookup
Financial
Annual Tax
$5,449
Assessed Value
$481,800
HOA & Community
Fee Includes
None
Amenities
None
Optional Fee Includes
None
MA Disclosures
Lead Paint
Unknown
Seller Disclosures
Seller Is Doing 1031 Exchange But Will Not Delay Closing For Any Potential Closing. Observed Water Penetration In Basement During Rain.
Additional Details
Possession
None
Accepted Financing
Contract
Structure Type
[]
Sq Ft Source
Appraiser
Documents
None
County
Bristol
Total market time (incl. prior listings)
1 days
Property Overview
Property Type
Multi Family
Listing Type
For Sale
Year Built
1895
Bedrooms
8
Full Bathrooms
3
Living Area
3,124 sq ft
Total Rooms
17
Stories
3
Levels
3
Floor Layout
Interactive room guide
Floor Layout
Finished Area
3,124 sq ft above grade
0 sq ft below grade
Display Options
Outdoor Areas
Patio & porchDeck
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:
Other
Appliances:
Interior Features:
Living Room, Dining Room, Kitchen
Windows:
Basement:
Full, Bulkhead, Unfinished
Laundry:
Security:
Construction & Materials
Year Built:
1895
Structure Type:
Exterior Materials:
See Remarks
Roof:
Shingle, Other
Foundation:
Stone
Stories:
3
Heating, Cooling & Utilities
Heating:
Heating Zones:
2
Cooling:
Hot Water:
Natural Gas
Water Source:
Public
Sewer:
Public Sewer
Energy Features:
Other (See Remarks)
Exterior & Lot
Exterior Features:
Outdoor Gas Grill Hookup
Patio & Porch:
Deck
Fencing:
Other Structures:
Lot Features:
Other
Road Surface:
Parking & Garage
Total Parking Spaces:
2
Parking Features:
Off Street
Nearby Schools
School District
New Bedford School District local
D
Where Graduates Go
Class of 2021
31%
attend college
13%
4-Year
18%
2-Year
4%
Out of State
9%
Working
School Safety
2024-25
6.0%
Above Average
4.2%
Suspensions
1.0%
In-School
1.8%
Emergency
0.5% above state avg
Elementary Schools
10 schools
Child and Family Services
0.4 mi
Grades K-12
B+
Trinity Day Academy
0.4 mi
|
#149 of 346
|
Score: 72.4
Same rank as last year
87 students
Diverse
College Ready Curriculum
Diverse Student Body
Grades 04-12
Holy Family-Holy Name School
0.5 mi
Grades PK-08
C
Global Learning Charter Public School
1.1 mi
|
#273 of 346
|
Score: 45.2
Dropped 3 spots from last year
-13 below state avg
501 students
Diverse
High Graduation Rate
College Ready Curriculum
Diverse Student Body
Strong Attendance
Grades 05-12
St. James-St. John School
1.2 mi
Grades PK-08
Nazarene Christian Academy
1.6 mi
Grades PK-12
C+
Alma del Mar Charter School
1.6 mi
|
#232 of 352
|
Score: 37.7
Improved 36 spots from last year
-20.5 below state avg
1,044 students
Diverse
Rising School
Grades K-08
All Saints Catholic School
2.7 mi
Grades PK-08
D
John Avery Parker School
0.2 mi
|
#779 of 825
|
Score: 30.6
Improved 48 spots from last year
-27.6 below state avg
210 students
Diverse
Rising School
Diverse Student Body
Grades PK
West End Day Nursery School
0.3 mi
Grades PK
Middle Schools
5 schools
Nativity Prep School
0.9 mi
Grades 05-08
Our Sisters' School
1.5 mi
Grades 05-06
C-
Keith Middle School
0.8 mi
|
#307 of 352
|
Score: 31.0
Dropped 18 spots from last year
-27.2 below state avg
918 students
Diverse
Diverse Student Body
Grades 06-08
C-
Normandin Middle School
2.6 mi
|
#295 of 352
|
Score: 32.1
Improved 9 spots from last year
-26.1 below state avg
922 students
Diverse
Diverse Student Body
Grades 06-08
C-
Roosevelt Middle School
2.7 mi
|
#305 of 352
|
Score: 31.3
Improved 43 spots from last year
-26.9 below state avg
779 students
Diverse
Rising School
Diverse Student Body
Grades 06-08
High Schools
3 schools
F
Whaling City Junior/Senior High School
0.7 mi
|
#338 of 346
|
Score: 21.9
Improved 16 spots from last year
-36.3 below state avg
190 students
Diverse
College Ready Curriculum
Diverse Student Body
Grades 06-12
C
New Bedford High School
0.6 mi
|
#262 of 346
|
Score: 46.3
Improved 39 spots from last year
-11.9 below state avg
2,792 students
Diverse
19 sports
• 1,326 athletes
Early College Program
Rising School
Career Tech Programs
College Ready Curriculum
Grades 09-12
C+
Greater New Bedford Vocational Technical High School
3.2 mi
|
#232 of 346
|
Score: 49.4
Dropped 43 spots from last year
-8.8 below state avg
2,161 students
Diverse
19 sports
• 1,754 athletes
High Graduation Rate
Career Tech Programs
College Ready Curriculum
Strong Athletics
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
$454
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
525 Cottage St, New Bedford MA 02740
New Bedford, MA 02740
Listing Information
Listing Agent
Muhammad Mushtaq
Listing Office
SBA Realty Group
Office Phone
508-443-3443
Agent MLS ID
FR000953
Office MLS ID
AN8745
Listing Data Updated
Sep 22, 2026 10:52 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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