10 Monroe St, Springfield MA 01109
Springfield, MA 01109
$440,000
$420,000
Est. $2,701/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
Add a strong income-producing property to your portfolio with this two-family home, currently generating $4,800 in total monthly rental income. Leased tenants are in place, with the second-floor unit scheduled to be vacant at the end of October, offering added flexibility for an owner-occupant or investor looking to secure a new tenant at market rent. The low-maintenance yard helps keep upkeep simple and costs manageable. Looking to maximize your return? There is potential to explore the addition of a third-floor unit, subject to obtaining the necessary city permits, approvals, and meeting applicable building requirements.Whether you're an experienced investor looking to expand your portfolio or just getting started in real estate investing, this property offers current rental income and exciting possibilities for future growth. Don't miss this opportunity to invest in your future!
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Recently Sold Nearby
Property History
Market Insights
2
Price Changes
4.5%
Price Range
Property Timeline
Price Reduced
Oct 7, 2026
$420,000
$10,000
(-2.33%)
From $430,000 to $420,000 (-2.3%)
Price Reduced
Sep 11, 2026
$430,000
$10,000
(-2.27%)
From $440,000 to $430,000 (-2.3%)
Showing Instructions Updated
Jul 20, 2026
New showing requirements
Listed for Sale
Jul 12, 2026
$440,000
Original listing
Office: HB Real Estate, LLC
| Date | Event | Price | Change | $/sqft | Details |
|---|---|---|---|---|---|
| 10/07/2026 | ↓ Price Reduced | $420,000 | $10,000 | - | From $430,000 to $420,000 (-2.3%) |
| 09/11/2026 | ↓ Price Reduced | $430,000 | $10,000 | - | From $440,000 to $430,000 (-2.3%) |
| 07/20/2026 | 👁️ Showing Instructions Updated | - | - | - | New showing requirements |
| 07/12/2026 | 🏠 Listed for Sale | $440,000 | - | - | Original listing |
Tax History
| Year | Taxes | Assessment |
|---|---|---|
| 2025 | $4,525 | $288,600 |
Financial Details
Annual Property Tax
$4,525
Tax Year 2025
Assessed Value
$288,600
Facts & Features
Home Facts
Type
Residential Income
Style
Multi Family
Year Built
1910
Living Area
1,910 sq ft
Lot Size
0.04 acres
Stories
3
Bedrooms
6
Full Baths
2
Total Rooms
10
Investment Metrics
Units
2
Unit 1 Rent
$2,000/mo · Y
Unit 2 Rent
$1,800/mo · Y
Total Monthly Rent
$3,800/mo
Gross Income
$48,000
Net Operating Income
$48,000
Cap Rate
11.43%
Interior
Heating
Forced Air, Natural Gas
Cooling
Window Unit(s)
Flooring
Wood, Tile, Vinyl / Vct
Appliances
Range, Refrigerator
Fireplace
None
Basement
Full, Interior Entry, Concrete
Laundry
Electric Dryer Hookup, Washer Hookup
Features
Living Room, Kitchen
Exterior
Construction
None
Architecture
None
Roof
Shingle
Features
Balcony
Pool
None
Spa
None
Fencing
None
Patio/Porch
Porch
Parking
Features
None
Utilities
Electric
Circuit Breakers
Water
Public
Sewer
Public Sewer
Gas
None
Other
For Gas Range, For Electric Dryer, Washer Hookup
Financial
Annual Tax
$4,525
Assessed Value
$288,600
HOA & Community
Fee Includes
None
Amenities
None
Optional Fee Includes
None
MA Disclosures
Lead Paint
Unknown
Seller Disclosures
3rd Floor Attic Space Can Be Converted Into Its Own Space Or Part Of The 2nd Floor With Permits. Buyers/buyer Agent Please Do Due Diligence.. 2nd Floor Only Has Gas Stove Top No Oven. Leases In Place Until January 2027 And October 2026. Multi To Be Purchased As-is.
Exclusions
Tenants Personal Property And 1st Floor Washer/Dryer.
Additional Details
Possession
None
Accepted Financing
Contract
Structure Type
[]
Sq Ft Source
Public Record
Documents
None
County
Hampden
Total market time (incl. prior listings)
89 days
Property Overview
Property Type
Multi Family
Listing Type
For Sale
Year Built
1910
Bedrooms
6
Full Bathrooms
2
Living Area
1,910 sq ft
Total Rooms
10
Stories
3
Levels
3
Floor Layout
Interior Features
Flooring:
Wood, Tile, Vinyl / VCT
Appliances:
Range, Refrigerator
Interior Features:
Living Room, Kitchen
Windows:
Basement:
Full, Interior Entry, Concrete
Laundry:
Electric Dryer Hookup, Washer Hookup
Security:
Construction & Materials
Year Built:
1910
Structure Type:
Exterior Materials:
Roof:
Shingle
Foundation:
Concrete Perimeter, Brick/Mortar, Other
Stories:
3
Heating, Cooling & Utilities
Heating:
Forced Air, Natural Gas
Heating Zones:
2
Cooling:
Window Unit(s)
Hot Water:
Natural Gas
Water Source:
Public
Sewer:
Public Sewer
Energy Features:
Exterior & Lot
Exterior Features:
Balcony
Patio & Porch:
Porch
Fencing:
Other Structures:
Lot Features:
Level
Road Surface:
Paved
Parking & Garage
Parking Features:
Nearby Schools
School District
Springfield School District local
D
Where Graduates Go
Class of 2021
36%
attend college
20%
4-Year
16%
2-Year
3%
Out of State
3%
Working
School Safety
2024-25
5.9%
Above Average
5.1%
Suspensions
1.4%
In-School
0.8%
Emergency
0.4% above state avg
Elementary Schools
10 schools
D
The Springfield Virtual School
0.7 mi
|
#326 of 346
|
Score: 30.7
Improved 11 spots from last year
-27.5 below state avg
201 students
Moderate
College Ready Curriculum
Grades PK-12
Your Educational Success Academy
0.7 mi
Grades K-12
B
Veritas Preparatory Charter School
1.1 mi
|
#12 of 25
|
Score: 34.5
Improved 339 spots from last year
-23.8 below state avg
769 students
Moderate
Early College Program
Rising School
Grades 05-12
A
Alfred G. Zanetti Montessori Magnet School
1.3 mi
|
#3 of 16
|
Score: 47.5
Improved 137 spots from last year
-10.7 below state avg
436 students
Diverse
Rising School
Grades PK-08
St. Michael's Academy
1.8 mi
Grades PK-08
Academy Hill School
2.0 mi
Grades PK-08
A+
Springfield Preparatory Charter School
2.3 mi
|
#2 of 16
|
Score: 48.5
Improved 94 spots from last year
-9.8 below state avg
485 students
Moderate
Rising School
Strong Attendance
Grades K-08
Grace Academy
2.5 mi
Grades K-12
Pioneer Valley Christian Academy
2.7 mi
Grades PK-12
Pioneer Valley Montessori School
3.7 mi
Grades PK-06
Middle Schools
10 schools
C
John J. Duggan Middle School
2.2 mi
|
#251 of 346
|
Score: 47.1
Improved 35 spots from last year
-11.1 below state avg
843 students
Diverse
High Graduation Rate
Rising School
College Ready Curriculum
Grades 06-12
Springfield Commonwealth Academy
0.8 mi
Grades 06-08
C+
STEM Middle Academy
1.1 mi
|
#12 of 16
|
Score: 24.5
Improved 298 spots from last year
-33.7 below state avg
241 students
Diverse
Rising School
Grades 06-08
F
South End Middle School
1.2 mi
|
#350 of 352
|
Score: 23.0
Improved 12 spots from last year
-35.2 below state avg
176 students
Moderate
Grades 06-08
F
Forest Park Middle School
1.6 mi
|
#341 of 352
|
Score: 26.3
Improved 18 spots from last year
-31.9 below state avg
460 students
Diverse
Grades 06-08
C-
Van Sickle Prep School
1.7 mi
|
#15 of 16
|
Score: 21.0
Improved 330 spots from last year
-37.2 below state avg
207 students
Moderate
Rising School
Grades 06-08
B-
Van Sickle Academy
1.7 mi
|
#10 of 16
|
Score: 28.1
Improved 340 spots from last year
-30.1 below state avg
256 students
Moderate
Rising School
Grades 06-08
Springfield Middle School
2.0 mi
15 students
Moderate
Grades 06-08
F
Springfield Public Day Middle School
2.0 mi
|
#352 of 352
|
Score: 19.5
Improved 14 spots from last year
-38.7 below state avg
45 students
Diverse
Grades 06-08
D
Springfield Legacy Academy
2.3 mi
|
#16 of 16
|
Score: 18.8
Improved 340 spots from last year
-39.4 below state avg
243 students
Less Diverse
Rising School
Grades 06-08
High Schools
10 schools
C
Emergence Academy
0.5 mi
|
#21 of 25
|
Score: 26.2
Improved 356 spots from last year
-32 below state avg
376 students
Diverse
Rising School
Diverse Student Body
Grades 06-12
C-
Conservatory of the Arts
0.7 mi
|
#303 of 346
|
Score: 37.6
Improved 2 spots from last year
-20.6 below state avg
292 students
Moderate
High Graduation Rate
College Ready Curriculum
Grades 06-12
C+
Libertas Academy Charter School
1.1 mi
|
#238 of 346
|
Score: 48.5
Improved 106 spots from last year
-9.8 below state avg
592 students
Moderate
7 sports
• 134 athletes
Rising School
Grades 06-12
C
The Springfield Renaissance School an Expeditionary Learning School
1.7 mi
|
#275 of 346
|
Score: 45.0
Improved 6 spots from last year
-13.2 below state avg
596 students
Diverse
High Graduation Rate
College Ready Curriculum
Grades 06-12
C-
Baystate Academy Charter Public School
2.1 mi
|
#306 of 346
|
Score: 37.1
Improved 37 spots from last year
-21.1 below state avg
344 students
Diverse
Rising School
College Ready Curriculum
Grades 06-12
F
Phoenix Academy Public Charter High School, Springfield
0.4 mi
|
#343 of 346
|
Score: 20.1
Improved 5 spots from last year
-38.1 below state avg
175 students
Moderate
College Ready Curriculum
Grades 09-12
C
High School of Commerce
0.5 mi
|
#272 of 346
|
Score: 45.2
Improved 30 spots from last year
-13 below state avg
835 students
Moderate
11 sports
• 554 athletes
Early College Program
Rising School
College Ready Curriculum
Grades 09-12
B+
Gateway to College at Springfield Technical Community College
0.6 mi
|
#123 of 346
|
Score: 74.4
Same rank as last year
30 students
Diverse
College Ready Curriculum
Grades 09-12
F
Springfield International Academy at Sci-Tech
1.1 mi
|
#340 of 346
|
Score: 20.7
Dropped 40 spots from last year
-37.5 below state avg
52 students
Diverse
Career Tech Programs
College Ready Curriculum
Diverse Student Body
Grades 09-12
C-
Springfield High School of Science and Technology
1.1 mi
|
#311 of 346
|
Score: 36.3
Dropped 1 spots from last year
-21.9 below state avg
1,147 students
Moderate
13 sports
• 870 athletes
Career Tech Programs
College Ready Curriculum
Grades 09-12
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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
$377
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
10 Monroe St, Springfield MA 01109
Springfield, MA 01109
Listing Information
Listing Agent
Nicole Flamand
Listing Office
Real Broker MA, LLC
Office Phone
413-273-1381
Agent MLS ID
CN206929
Office MLS ID
AN8754
Listing Data Updated
Oct 9, 2026 10:02 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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