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146 Spencer St, Boston MA 02124

Boston, MA 02124 • Dorchester's Dorchester Center
$1,049,900
Est. $6,382/month
9
Beds
3
Baths
3,237
Sq Ft
$324
Price/Sq Ft
0.07
Acres
1905
Year Built
3 Family - 3 Units Up/Down
Type
30
Days on Market
Active Listed Mar 18, 2026 • MLS# 73488587 Copied!

About this home

Attention! Rare opportunity to own a spacious triple-decker in a desirable Dorchester location, offering excellent income potential for investors or owner-occupants. Each unit features a functional layout with living room, dining area, kitchen, and multiple bedrooms, along with hardwood floors and good natural light throughout. Need TLC. Situated on a convenient street with off-street parking and a private yard, and close to public transportation, shops, restaurants, and major routes. Bring your vision and don’t miss this value-add opportunity in Boston.

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Public Records

Current Owner

Owner FAN ZHONGHAO
Mailing Address 100 EXCHANGE ST APT 303, MALDEN, MA, 02148

Land Use

Use Code 105
Description Three-Family
Style Decker

Tax Information

Assessed Value $848,100
Tax Rate $10.29 per $1,000
Base Tax $8,727
CPA Surcharge 1% ($77)
Estimated Annual Tax $8,804

Assessment History

Year Land Building Total Change
FY2023 $168,200 $679,900 $848,100 —

Municipal Context: BOSTON

Median Home Value $745,000
Avg SF Tax Bill $4,523
Residential Tax Rate $10.29/1000
CPA Surcharge 1%
County Suffolk

Property Data Comparison

Field Assessor MLS Match
Year built 1,905 1,905 ✓
Match: address_exact (95.0% confidence) · Data as of Mar 8, 2026

Property Overview

Property Type
3 Family - 3 Units Up/Down
Listing Type
For Sale
Year Built
1905
Bedrooms
9
Full Bathrooms
3
Living Area
3,237 sq ft
Total Rooms
15
Stories
3
Levels
3

Facts & Features

Home Facts

Type Residential Income
Style 3 Family - 3 Units Up/Down
Year Built 1905
Living Area 3,237 sq ft
Lot Size 0.07 acres
Bedrooms 9
Full Baths 3
Total Rooms 15

Interior

Heating Natural Gas
Cooling None
Flooring Vinyl
Appliances Washer, Dryer, Range, Refrigerator
Fireplace None
Basement Unfinished
Laundry None
Features Bathroom With Tub & Shower, Living Room, Kitchen

Exterior

Construction None
Architecture None
Roof Rubber
Features None
Pool None
Spa None
Fencing Fenced
Patio/Porch Porch

Parking

Features On Street

Utilities

Electric Circuit Breakers
Water Public
Sewer Public Sewer
Gas None
Other For Gas Range

Financial

Annual Tax $10,480
Assessed Value $905,000

Interior Features

Flooring: Vinyl
Appliances: Washer, Dryer, Range, Refrigerator
Interior Features: Bathroom With Tub & Shower, Living Room, Kitchen
Windows:
Basement: Unfinished
Laundry:
Security:

Construction & Materials

Year Built: 1905
Structure Type:
Exterior Materials:
Roof: Rubber
Foundation: Stone
Stories: 3

Heating, Cooling & Utilities

Heating: Natural Gas
Cooling:
Hot Water: Natural Gas
Water Source: Public
Sewer: Public Sewer
Energy Features:

Exterior & Lot

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

Parking & Garage

Parking Features: On Street

Location

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Neighborhood

Dorchester's Dorchester Center

146 Spencer St, Boston MA 02124

Boston, MA 02124

Walkability

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Nearby Schools

School District
Boston School District local
C-
🎓 Where Graduates Go Class of 2021
52% attend college
38% 4-Year 14% 2-Year 7% Out of State 7% Working
⚠ School Safety 2024-25
3.7% Above Average
3.2% Suspensions 0.3% In-School 0.5% Emergency
↓ 1.8% below state avg
E

Elementary Schools

10 schools
C-
Codman Academy Charter Public School
0.2 mi | #293 of 346 | Score: 40.3
Dropped 9 spots from last year
-17.9 below state avg
344 students Moderate
College Ready Curriculum
Grades PK-12
D
Lee K-8 School
0.3 mi | #335 of 352 | Score: 27.1
Improved 8 spots from last year
-31.1 below state avg
551 students Diverse
Grades PK-08
C-
Holmes Elementary School
0.3 mi | #710 of 824 | Score: 34.7
Dropped 24 spots from last year
-23.5 below state avg
283 students Diverse
Grades PK-06
D
Greenwood Sarah K-8 School
0.4 mi | #334 of 352 | Score: 27.2
Same rank as last year
-31 below state avg
357 students Less Diverse
Grades PK-08
C-
UP Academy Charter School of Dorchester
0.6 mi | #308 of 352 | Score: 30.7
Dropped 17 spots from last year
-27.5 below state avg
640 students Diverse
Grades PK-08
D
Henderson K-12 Inclusion School Upper
0.8 mi | #315 of 346 | Score: 34.7
Improved 34 spots from last year
-23.5 below state avg
631 students Diverse
Rising School Diverse Student Body
Grades 02-12
D
Shaw Elementary School
0.9 mi | #783 of 824 | Score: 29.8
Improved 54 spots from last year
-28.4 below state avg
528 students Moderate
Rising School
Grades PK-06
Berea SDA Academy
0.9 mi
Grades PK-08
A
Brooke Charter School Mattapan
0.9 mi | #45 of 346 | Score: 67.9
Improved 79 spots from last year
+9.7 above state avg
2,216 students Diverse
Rising School College Ready Curriculum
Grades K-12
C-
UP Academy Holland School
1.0 mi | #721 of 824 | Score: 34.1
Improved 98 spots from last year
-24.1 below state avg
641 students Diverse
Rising School
Grades PK-06
M

Middle Schools

10 schools
Epiphany School
0.5 mi
Grades 05-08
Dearborn Middle School
1.1 mi
Mother Caroline Academy
1.2 mi
Grades 05-08
A
Uncommon Schools - Roxbury Preparatory Dorchester Campus Middle School
1.3 mi | #4 of 16 | Score: 41.9
Improved 187 spots from last year
-16.3 below state avg
1,126 students Diverse
Rising School College Ready Curriculum
Grades 05-08
F
Higginson/Lewis K-8 School
2.1 mi | #349 of 352 | Score: 23.6
Improved 3 spots from last year
-34.6 below state avg
213 students Diverse
Grades 03-08
Nativity Prep School
2.5 mi
Grades 05-08
Middle School Academy
3.1 mi
C
Ohrenberger School
4.3 mi | #265 of 352 | Score: 34.9
Improved 20 spots from last year
-23.3 below state avg
477 students Diverse
Rising School Diverse Student Body
Grades 03-08
Frederick Pilot Middle
1.2 mi
McCormack Middle
2.4 mi
H

High Schools

10 schools
B+
TechBoston Academy
0.5 mi | #11 of 25 | Score: 34.1
Improved 349 spots from last year
-24.1 below state avg
850 students Diverse
Rising School
Grades 07-12
A+
Boston Latin Academy
1.7 mi | #2 of 25 | Score: 63.9
Improved 214 spots from last year
+5.7 above state avg
1,693 students Very Diverse
17 sports • 1,298 athletes
High Graduation Rate Rising School Strong Athletics Diverse Student Body
Grades 07-12
D
English High School
2.0 mi | #324 of 346 | Score: 29.7
Improved 34 spots from last year
-28.5 below state avg
720 students Moderate
8 sports • 332 athletes
Rising School Career Tech Programs
Grades 07-12
Meridian Academy
2.0 mi
Grades 06-09
B-
Margarita Muniz Academy
2.3 mi | #14 of 25 | Score: 31.3
Improved 349 spots from last year
-26.9 below state avg
428 students Less Diverse
Strong AP Program Rising School
Grades 07-12
B
Dearborn STEM Academy
2.4 mi | #13 of 25 | Score: 31.7
Improved 356 spots from last year
-26.6 below state avg
565 students Diverse
10 sports • 242 athletes
Early College Program Rising School
Grades 07-12
C
Ruth Batson Academy
2.4 mi | #19 of 25 | Score: 27.6
Improved 346 spots from last year
-30.6 below state avg
604 students Diverse
8 sports • 128 athletes
Early College Program Rising School
Grades 07-12
A-
Boston Preparatory Charter Public School
2.7 mi | #8 of 25 | Score: 41.6
Improved 287 spots from last year
-16.6 below state avg
700 students Diverse
High Graduation Rate Rising School College Ready Curriculum
Grades 06-12
A-
O'Bryant School of Math & Science
2.8 mi | #90 of 346 | Score: 61.1
Improved 94 spots from last year
+2.9 above state avg
1,509 students Very Diverse
High Graduation Rate Rising School College Ready Curriculum Diverse Student Body
Grades 07-12
C+
New Mission High School
3.0 mi | #240 of 346 | Score: 47.3
Improved 88 spots from last year
-10.9 below state avg
715 students Diverse
13 sports • 458 athletes
Early College Program High Graduation Rate Rising School Diverse Student Body
Grades 07-12
Learn about these ratings
School data provided by BMN Schools

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Monthly Payment Breakdown

Principal & Interest $0
Property Tax $873
Homeowners Insurance $200
PMI (if <20% down) $0

Loan Summary

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Payment Over Time

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Year 1
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Year 15
50/50
Year 30
95% Principal
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Property History

Property Timeline

🏠
Listed for Sale
Mar 18, 2026
$1,049,900
Original listing
Agent: Vicky Xiao Office: Century 21 North East

Price & Status History

Date Event Price Change
Mar 18, 2026 New Listing Added $1,049,900 —
Dec 9, 2025 Sold $1,049,900 —

Market Statistics

Days on Market
30 days
Price per Sq Ft
$324

Tax History

Year Taxes Assessment
2025 $10,480 $905,000

Financial Details

Annual Property Tax
$10,480
Tax Year 2025
Assessed Value
$905,000

Listing Information

Listing Agent Vicky Xiao
Listing Office Century 21 North East
Agent MLS ID CN220139
Office MLS ID AN4341
Listing Data Updated Mar 22, 2026 4:05 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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