16 Oak St, Southwick MA 01077
Southwick, MA 01077
$435,000
Est. $2,838/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
Tucked away on a corner lot along a dead end street, this Southwick cottage style bungalow offers beautiful year round water views of Congamond Middle Pond and the surrounding landscape. The home features three bedrooms, two full bathrooms, and approximately 1,682 square feet of living space, with driveways at both the front and rear of the property for added convenience. Inside, the kitchen provides plenty of cabinet space, while the living room features a cathedral ceiling that adds to its open and inviting feel. Both full bathrooms include jetted tubs, and a flexible space near the primary bedroom could serve as a small office or nursery. Additional features include central air conditioning, oil forced hot air heat, public water, municipal sewer, ample closet space, and an unfinished basement for utilities and storage. Updates include a 2021 hot water heater, a 2022 roof, and a 2024 Sunrun solar energy system. Lake recreation awaits, with association beach access via Island Pond Rd available by joining Congamond Heights Association and paying annual dues. Boat docking is subject to availability, association approval, and additional fees. Enjoy the changing seasons and scenic water views from this uniquely situated Southwick home.
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Recently Sold Nearby
Property History
Market Insights
Property Timeline
Showing Instructions Updated
Sep 25, 2026
New showing requirements
Listed for Sale
Sep 25, 2026
$435,000
Original listing
Agent: Jennifer Bruno
Office: Berkshire Hathaway HomeServices Realty Professionals
| Date | Event | Price | Change | $/sqft | Details |
|---|---|---|---|---|---|
| 09/25/2026 | 👁️ Showing Instructions Updated | - | - | - | New showing requirements |
| 09/25/2026 | 🏠 Listed for Sale | $435,000 | - | - | Original listing |
Tax History
| Year | Taxes | Assessment |
|---|---|---|
| 2025 | $5,256 | $337,600 |
Financial Details
Annual Property Tax
$5,256
Tax Year 2025
Assessed Value
$337,600
Facts & Features
Central AC
Home Facts
Type
Residential
Style
Single Family Residence
Year Built
1950
Living Area
1,682 sq ft
Lot Size
0.21 acres
Bedrooms
3
Full Baths
2
Total Rooms
5
Interior
Heating
Forced Air, Oil
Cooling
Central Air
Flooring
Carpet, Laminate
Appliances
Water Heater, Range, Dishwasher, Microwave, Refrigerator
Fireplace
None
Basement
Partial
Laundry
Washer Hookup
Features
None
Exterior
Construction
None
Architecture
Bungalow
Roof
Shingle
Features
None
Pool
None
Spa
None
Fencing
None
Patio/Porch
None
Parking
Features
Paved Drive, Paved
Total Spaces
6
Utilities
Electric
None
Water
Public
Sewer
Public Sewer
Gas
None
Other
For Electric Range, Washer Hookup
Financial
Annual Tax
$5,256
Assessed Value
$337,600
HOA & Community
Fee Includes
None
Amenities
None
Optional Fee Includes
None
MA Disclosures
Lead Paint
Unknown
Seller Disclosures
Leased Sunrun Solar Installed In 2024. Buyer To Assume Agreement Subject To Sunrun Approval. See Attached Documents. One Central Ac Zone Is Not Operational.
Exclusions
Washer/Dryer
Additional Details
Possession
None
Accepted Financing
None
Structure Type
[]
House Color
White
Sq Ft Source
Public Record
Documents
None
County
Hampden
Property Overview
Property Type
Single Family Residence
Listing Type
For Sale
Year Built
1950
Bedrooms
3
Full Bathrooms
2
Living Area
1,682 sq ft
Total Rooms
5
Floor Layout
Interactive room guide
Floor Layout
Finished Area
1,682 sq ft above grade
Display Options
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:
Carpet, Laminate
Appliances:
Water Heater, Range, Dishwasher, Microwave, Refrigerator
Interior Features:
Windows:
Insulated Windows
Basement:
Partial
Laundry:
Washer Hookup
Security:
Security System
Construction & Materials
Style:
Bungalow
Year Built:
1950
Structure Type:
Exterior Materials:
Roof:
Shingle
Foundation:
Block
Heating, Cooling & Utilities
Heating:
Forced Air, Oil
Heating Zones:
2
Cooling:
Central Air
Cooling Zones:
2
Hot Water:
Water Source:
Public
Sewer:
Public Sewer
Energy Features:
Exterior & Lot
Exterior Features:
Patio & Porch:
Fencing:
Other Structures:
Lot Features:
Road Surface:
Parking & Garage
Total Parking Spaces:
6
Parking Features:
Paved Drive, Paved
Nearby Schools
School District
Southwick-Tolland-Granville Regional School District local
C
School Safety
2024-25
1.5%
Average
1.4%
Suspensions
5.3%
In-School
0.1%
Emergency
4.0% below state avg
Elementary Schools
1 school
Woodland Elementary School
2.5 mi
307 students
Less Diverse
Grades PK-02
Middle Schools
1 school
C+
Powder Mill School
2.4 mi
|
#561 of 825
|
Score: 42.7
Dropped 187 spots from last year
-15.5 below state avg
375 students
Less Diverse
Grades 03-06
High Schools
1 school
C+
Southwick Regional High School
2.5 mi
|
#233 of 346
|
Score: 49.3
Dropped 24 spots from last year
-8.9 below state avg
568 students
Less Diverse
16 sports
• 838 athletes
Strong AP Program
High Graduation Rate
Career Tech Programs
Strong Athletics
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
$438
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
16 Oak St, Southwick MA 01077
Southwick, MA 01077
Listing Information
Listing Agent
Jennifer Bruno
Listing Office
Berkshire Hathaway HomeServices Realty Professionals
Office Phone
413-568-2405
Agent MLS ID
CN245188
Office MLS ID
AN7318
Listing Data Updated
Sep 25, 2026 8:29 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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