146 Spencer St, Boston MA 02124
Boston, MA 02124 • Dorchester's Dorchester Center
$1,049,900
$999,900
Est. $6,129/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
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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Recently Sold Nearby
Property History
Market Insights
1
Price Changes
29.5%
Price Range
1
Previous Sales
Property Timeline
Pending Sale
Jun 23, 2026
Offer accepted, sale pending
Price Reduced
May 28, 2026
$999,900
$50,000
(-4.76%)
From $1,049,900 to $999,900 (-4.8%)
Listed for Sale
Mar 18, 2026
$1,049,900
Original listing
Agent: Vicky Xiao
Office: Century 21 North East
Previous Transaction - MLS #72363940
Full transaction history available when tracking began
Previously Sold
Sep 11, 2018
$740,000
MLS #72363940
| Date | Event | Price | Change | $/sqft | Details |
|---|---|---|---|---|---|
| 06/23/2026 | ⏳ Pending Sale | - | - | - | Offer accepted, sale pending |
| 05/28/2026 | ↓ Price Reduced | $999,900 | $50,000 | - | From $1,049,900 to $999,900 (-4.8%) |
| 03/18/2026 | 🏠 Listed for Sale | $1,049,900 | - | - | Original listing |
| 09/11/2018 | 🏷️ Previously Sold | $740,000 | - | - | MLS #72363940 |
Tax History
| Year | Taxes | Assessment |
|---|---|---|
| 2025 | $10,480 | $905,000 |
Financial Details
Annual Property Tax
$10,480
Tax Year 2025
Assessed Value
$905,000
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
Stories
3
Bedrooms
9
Full Baths
3
Total Rooms
15
Investment Metrics
Units
3
Unit 1 Rent
— · N
Unit 2 Rent
— · N
Unit 3 Rent
— · N
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
HOA & Community
Fee Includes
None
Amenities
None
Optional Fee Includes
None
Down Payment Resource
Eligible
MA Disclosures
Lead Paint
Certified Treated, Unknown
Seller Disclosures
Lead Compliance Cert For #2 Only. Property To Be Sold As-is. All Measurements Approximate. Buyer And Buyer’s Agent To Perform Due Diligence.
Additional Details
Possession
None
Accepted Financing
None
Structure Type
[]
Sq Ft Source
Public Record
Documents
None
County
Suffolk
Total market time (incl. prior listings)
97 days
Property Overview
Property Type
3 Family - 3 Units Up/Down
Listing Type
Sale Pending
Year Built
1905
Bedrooms
9
Full Bathrooms
3
Living Area
3,237 sq ft
Total Rooms
15
Stories
3
Levels
3
Floor Layout
Interactive room guide
Floor Layout
Finished Area
3,237 sq ft above grade
Display Options
Outdoor Areas
Patio & porchPorch
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:
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
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
Elementary Schools
10 schools
C-
Codman Academy Charter Public School
0.2 mi
|
#308 of 346
|
Score: 36.8
Dropped 24 spots from last year
-21.4 below state avg
345 students
Diverse
College Ready Curriculum
Grades PK-12
F
Lee K-8 School
0.3 mi
|
#339 of 352
|
Score: 26.8
Improved 4 spots from last year
-31.4 below state avg
582 students
Diverse
Grades PK-08
C-
Holmes Elementary School
0.3 mi
|
#717 of 825
|
Score: 34.5
Dropped 31 spots from last year
-23.7 below state avg
301 students
Diverse
Grades PK-06
F
Greenwood Sarah K-8 School
0.4 mi
|
#340 of 352
|
Score: 26.7
Dropped 6 spots from last year
-31.5 below state avg
381 students
Less Diverse
Grades PK-08
C-
UP Academy Charter School of Dorchester
0.6 mi
|
#317 of 352
|
Score: 30.2
Dropped 26 spots from last year
-28 below state avg
650 students
Diverse
Grades PK-08
D
Henderson K-12 Inclusion School Upper
0.8 mi
|
#323 of 346
|
Score: 32.2
Improved 26 spots from last year
-26 below state avg
605 students
Diverse
Rising School
Diverse Student Body
Grades 02-12
F
Shaw Elementary School
0.9 mi
|
#789 of 825
|
Score: 29.4
Improved 48 spots from last year
-28.8 below state avg
469 students
Moderate
Rising School
Grades PK-06
Berea SDA Academy
0.9 mi
Grades PK-08
A
Brooke Charter School Mattapan
0.9 mi
|
#40 of 346
|
Score: 68.8
Improved 84 spots from last year
+10.6 above state avg
2,230 students
Diverse
Rising School
College Ready Curriculum
Grades K-12
C-
UP Academy Holland School
1.0 mi
|
#731 of 825
|
Score: 33.6
Improved 88 spots from last year
-24.6 below state avg
628 students
Diverse
Rising School
Grades PK-06
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: 42.5
Improved 187 spots from last year
-15.7 below state avg
1,225 students
Diverse
Rising School
College Ready Curriculum
Grades 05-08
F
Higginson/Lewis K-8 School
2.1 mi
|
#349 of 352
|
Score: 23.2
Improved 3 spots from last year
-35 below state avg
246 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
|
#266 of 352
|
Score: 35.0
Improved 19 spots from last year
-23.2 below state avg
458 students
Diverse
Diverse Student Body
Grades 03-08
Frederick Pilot Middle
1.2 mi
McCormack Middle
2.4 mi
High Schools
10 schools
B+
TechBoston Academy
0.5 mi
|
#10 of 25
|
Score: 34.9
Improved 350 spots from last year
-23.3 below state avg
869 students
Diverse
Rising School
Grades 07-12
A+
Boston Latin Academy
1.7 mi
|
#2 of 25
|
Score: 64.9
Improved 214 spots from last year
+6.7 above state avg
1,669 students
Very Diverse
17 sports
• 1,298 athletes
Strong AP Program
High Graduation Rate
Rising School
Strong Athletics
Grades 07-12
D
English High School
2.0 mi
|
#328 of 346
|
Score: 28.9
Improved 30 spots from last year
-29.3 below state avg
653 students
Diverse
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: 31.6
Improved 349 spots from last year
-26.7 below state avg
480 students
Less Diverse
Rising School
Grades 07-12
B
Dearborn STEM Academy
2.4 mi
|
#13 of 25
|
Score: 33.4
Improved 356 spots from last year
-24.8 below state avg
565 students
Moderate
10 sports
• 242 athletes
Early College Program
Rising School
Grades 07-12
C
Ruth Batson Academy
2.4 mi
|
#20 of 25
|
Score: 29.1
Improved 345 spots from last year
-29.1 below state avg
584 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: 43.6
Improved 287 spots from last year
-14.6 below state avg
670 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: 61.6
Improved 94 spots from last year
+3.4 above state avg
1,518 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
|
#231 of 346
|
Score: 49.5
Improved 97 spots from last year
-8.7 below state avg
739 students
Diverse
13 sports
• 458 athletes
Early College Program
High Graduation Rate
Rising School
Diverse Student Body
Grades 07-12
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
$873
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
Dorchester's Dorchester Center
146 Spencer St, Boston MA 02124
Boston, MA 02124
Listing Information
Listing Agent
Vicky Xiao
Listing Office
Century 21 North East
Office Phone
781-893-4220
Agent MLS ID
CN220139
Office MLS ID
AN4341
Listing Data Updated
Sep 10, 2026 9:15 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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