Renovated Duplex with Garden
New
For Sale
$1,248,943
20 W Cottage St, Boston, MA 02125
The property combines a multi-level main residence with a separately entered apartment on the garden level.
Property Size3,132 SF
Price / SF$398.77
Days on Market3
Property Features for 20 W Cottage St
General Information
Standard status
Active
Size
3,132 SF
Property subtype
Multi Family
Site & Location
Neighborhood
Dorchester
Public Transit
Yes
Units
Unit Mix
1 x 4BR/3.5BA, 1 x 1BR/1BA
Multifamily Units
2
Additional Details
Tenant in Place
Yes
Taxes and HOA fees
Annual Taxes
$11,104
Amenities
hardwood floors
marble tile
custom built-ins
marble fireplaces
custom stained-glass transoms
chef's kitchen
stainless steel appliances
quartz countertops
gas range
wine fridge/bar
half bath
deck
turf yard
landscaping
new wood privacy fence
central air
ductless AC
washer and dryer
available parking
Building Details
Building Size
3,132 SF
Year Built
1900
Year Renovated
2025
Buildings
1
Construction
brownstone
Listing Agency:
Stuart St James, Inc.
Listed By:
Darin Thompson · License #9514800
(617) 819-5850
Source:
Bethdickerson
Added: Oct 29
Changed: Oct 30
Last Checked: Oct 30 at 1:51PM
Displayed information is deemed reliable but is not guaranteed and should be independently verified. All listing content including descriptions, pricing, images are the copyrighted material of Stuart St James, Inc.
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Investment Insights
Based on property information with market context.
This duplex pairs a four-bedroom, 3.5-bath main residence across three levels with a legal one-bedroom, one-bath garden apartment. The main unit features hardwood flooring, marble tile, custom built-ins, five marble fireplaces, stained-glass transoms, and an open living, dining, and kitchen arrangement. Its kitchen includes stainless steel appliances, quartz counters, a gas range, and a wine fridge. A large deck overlooks a landscaped turf yard enclosed by a wood privacy fence. The garden apartment has its own front and rear entrances and ductless AC.
Renovations completed in 2025 included system updates, a new boiler, electrical work, and tankless water heaters. The property is four blocks from the Upham’s Corner T station, with a stated 10-minute trip to South Station. Parking is available.
Renovations completed in 2025 included system updates, a new boiler, electrical work, and tankless water heaters. The property is four blocks from the Upham’s Corner T station, with a stated 10-minute trip to South Station. Parking is available.
Key Highlights
- Duplex with a four‑bedroom, 3.5‑bath main residence and legal one‑bedroom, one‑bath garden apartment
- Five marble fireplaces, custom built‑ins, and stained‑glass transoms in the main residence
- Large deck overlooking a landscaped turf yard with a wood privacy fence
Financial Insights
Estimated NOI and Cap Rate
NOI / Yr
$79,143
Cap Rate
6.34%
Suggested Prices Based on Cap Rates
Cap Rate 5%
$1,582,860
$1.6M
Cap Rate 7%
$1,130,614
$1.1M
Cap Rate 9%
$879,367
$879.4K
Market Conditions
NOI Build-Up for 3,132 SF
Gross rent
$118.4K $37.80/SF
− Vacancy
−$5.3K −$1.70/SF
EGI
$113.1K $36.10/SF
− OpEx
−$33.9K −$10.83/SF
NOI
$79.1K $25.27/SF
Area
Boston, MA
Vacancy
4.50%
Lease Rate
$37.80 /SF/Yr
Expense Ratio
30.00%
Simulate Cap Rate and NOI
Suggested Prices Based on Cap Rates
Cap Rate 5%
$1,582,860
Cap Rate 7%
$1,130,614
Cap Rate 9%
$879,367
Alternative Uses
Best Use
Multifamily LT 5
$1.13M
$989.3K – $1.32M
NOI $79,143 @ 7.0% cap · market cap 6.34%
Second Best
Apartment 5plus
$1.05M
$919.7K – $1.23M
NOI $73,577 @ 7.0% cap · market cap 5.89%
Theoretical Best
Office A
$2.35M
$2.05M – $2.74M
NOI $164,167 @ 7.0% cap · market cap 13.14%
Zoning and permitted uses should be independently verified with authorities.
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Lease Details
2
Residential units
Location Intelligence
Trade Area within ½ mile
1,877
Businesses Nearby
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Business Placement
Demographics for 02125, MA
34,926
Population
14,999
Households
2.3
Avg Household Size
32
Median Age
42%
College-Educated
87%
High-School Grad
2.2 sq mi
ZIP Area
15,875
Density / Sq Mi
$71,810
Median Household Income
$52,106
Median Earnings
$1,897
Median Rent
$645,400
Median Home Value
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Market
Vacancy Rate% for Multifamily in Northeast region
Frequently Asked Questions
What type of property is this?
Duplex - The property combines a multi-level main residence with a separately entered apartment on the garden level.
Where is this duplex located?
The property is located at 20 W Cottage St Boston, MA.
What is the asking price?
The asking price for this property is $1,248,943.
What are key features of this property?
This property features: Duplex with a four‑bedroom, 3.5‑bath main residence and legal one‑bedroom, one‑bath garden apartment; Five marble fireplaces, custom built‑ins, and stained‑glass transoms in the main residence; Large deck overlooking a landscaped turf yard with a wood privacy fence
