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10-12 Charles St, Winthrop MA 02152

$1,300,000

Estimated $2,855.44/month Calculator

Multi Family

Total Units: 4

Price Per Unit: $325,000

Total Rent: 102600/year

Estimated CAP Rate: 7.20%

7 Bedrooms

4 Full Baths

3,688 SqFt

Total Parking: 6

6,127 SqFt

Well-located 4-family investment property in the heart of Winthrop’s Cottage Hill neighborhood. 10–12 Charles Street offers four separately metered units totaling 3,688 square feet on a 6,127 sq ft lot, with strong in-place income and upside. The unit mix consists of two larger units and two one-bedroom units, appealing to both long-term renters and owner-occupants seeking supplemental income. Current rents total approximately $8,550 per month, with additional room for optimization over time. The property features off-street parking for six vehicles, a major value driver in this coastal submarket, along with a full unfinished basement ideal for storage and future improvements. Several units have been refreshed, providing a solid balance of immediate cash flow and long-term capital improvement potential. Located just blocks from the ocean, public transportation, schools, and Winthrop Center amenities, this asset benefits from strong rental demand driven by proximity to Boston & Logan.

This home has been viewed 8 times

Last Checked: February 7th, 2026 at 6:13pm (Source: MLS PIN #73475129)

Gross Income: $102,600

Gross Expenses: $8,970

Net Income Calc: $93,630

CAP Rate: 7.20%

Water Views

Annual Expenses for 10-12 Charles St, Winthrop MA 02152

Total Gross Expenses (Calculated)$8,970/year

APOD AvailableYes

Heating

Electricity

Water

Gas

Insurance

Sewer

Trash Removal

Repair & Maintenance

Management

Miscellaneous

Real Estate Tax$8,970

Annual Income & Unit Breakdown for 10-12 Charles St, Winthrop MA 02152

Total Gross Income (Calculated)$102,600

Unit 1

Rental Income$2,450

LeaseY

Bedrooms2

Bathrooms1 Full

Floor1

Levels in Unit0

HeatingNo

Rent Includes

Unit 2

Rental Income$2,600

LeaseN

Bedrooms3

Bathrooms1 Full

Floor2

Levels in Unit2

HeatingNo

Rent Includes

Unit 3

Rental Income$1,950

LeaseN

Bedrooms1

Bathrooms1 Full

Floor

Levels in Unit

HeatingNo

Rent Includes

Unit 4

Rental Income$1,550

LeaseN

Bedrooms1

Bathrooms1 Full

Floor

Levels in Unit

HeatingNo

Rent Includes

General Information for 10-12 Charles St, Winthrop MA 02152

Listing ID73475129

Property TypeMulti Family / 4 Family

Price$1,300,000 ($352.49/SqFt)

Style4 Family

CityWinthrop

CountySuffolk

MLS AreaCottage Hill

Neighborhood(s)

Approximate Living Area Total3,688 SqFt

Approximate Lot Size (Acres)0.14 acres

Total Parking6

Garage Parking

Year Built1912

Year Built SourcePublic Records

Year Renovated

Year Built DetailsActual

Water

Sewer

Electric

Hot Water

Roof Material

Basement

Construction MaterialsFrame

Lot FeaturesFlood Plain

Foundation Area

Foundation DescriptionBlock

Accessible Features

Outdoor SpacePorch

Zoningres

Zoning Details

Water ViewsYes

Water Views Features

WaterfrontNo

Waterfront FeaturesOcean, Beach Ownership(public), 0 To 1/10 Mile To Beach

Energy FeaturesInsulated Windows

Terms

Disclosures for 10-12 Charles St, Winthrop MA 02152

Lead Paint

UFFIUnknown

Living Area Includes BasementNo

Living Area DisclosureAll taken from Winthrop GIS

Building Area SourcePublic Records

Title 5

Exclusions

Disclosures

Financial Data SourceEstimated, Pro. Forma Available

Total Gross Expenses By Broker$0

Total Gross Income By Broker$102,600

Total Net Income By Broker$102,600

For Sale By OwnerNo

Short Sale / Forclosure (Bank Owned)

Buyer Agent Compensation

Facilitator Compensation

Sub-Agent Compensation

Compensation Based On

Financial Information for 10-12 Charles St, Winthrop MA 02152

Real Estate Taxes$8,970

Tax Year2025

Assessed Value$869,200

Financial Data SourceEstimated, Pro. Forma Available

Total Gross Expenses By Broker$0

BostonRealEstate.com Gross Expenses

Total Gross Income By Broker$102,600

BostonRealEstate.com Gross Income

Total Net Income By Broker$102,600

BostonRealEstate.com Gross NOI

CAP Rate (based on Broker info)

CAP Rate (BostonRealEstate.com)7.20%

Location Information for 10-12 Charles St, Winthrop MA 02152

Elementary School

Middle School

High School

Neighborhood(s)

MLS AreaCottage Hill

Area AmenitiesWalk/jog Trails, Conservation Area, Highway Access, Public School, Shopping, Golf, Medical Facility, Laundromat, Public Transportation, T-station, Marina, Sidewalks

Contact Information for 10-12 Charles St, Winthrop MA 02152

Agent

Name: Reserve Team

Office

Name: Reference Real Estate

Phone: 781-342-0052

Payment Calculator

, Interest

Property Taxes 747.5

Principal & Interest 8010.19

HOA Dues $0

Term

Interest

Home Price

Down Payment

Exclusive Listing Agent

Reference Real Estate

Reserve Team

Agent Phone

Office Phone

(781) 342-0052

Text Agent Call Agent Call Office

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[pasture_area] => None
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[perc_test_date] => Unknown
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[uffi] => Array
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        )

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[water] => Array
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[water_expense] => Array
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[water_views] => Array
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[water_views_features] => Array
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EXIT

Active

10-12 Charles St, Winthrop MA 02152

$1,300,000

Annual Expenses for 10-12 Charles St, Winthrop MA 02152

Annual Income & Unit Breakdown for 10-12 Charles St, Winthrop MA 02152

General Information for 10-12 Charles St, Winthrop MA 02152

Disclosures for 10-12 Charles St, Winthrop MA 02152

Financial Information for 10-12 Charles St, Winthrop MA 02152

Location Information for 10-12 Charles St, Winthrop MA 02152

Contact Information for 10-12 Charles St, Winthrop MA 02152

Agent

Office

Payment Calculator

Exclusive Listing Agent

Reference Real Estate

Reserve Team