164 Pine St, Holyoke MA 01040

Holyoke, MA 01040
$499,900
Est. $2,823/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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5
Beds
4
Baths
2,155
Sq Ft
$232
Price/Sq Ft
0.13
Acres
2024
Year Built
4
Parking
New today
Time on Market
For Sale Listed Oct 30, 2026 • MLS# 73596950 Copied! • Updated Oct 30, 2026

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About this home

An incredible investment opportunity in Holyoke! Completely rebuilt from the foundation up, this impressive two-family offers modern finishes, generous living space, and incredible versatility throughout. Both units are filled with natural light and feature beautiful kitchens with oversized islands, abundant prep space, and plenty of room to gather. Mini-split systems provide efficient heating and cooling, while thoughtful updates and attractive finishes can be found throughout. The spacious second unit spans both the second and third floors, offering a unique multi-level layout. The first-floor unit offers additional possibilities, including a designated closet area designed to accommodate a potential future staircase connecting to the finished basement, subject to necessary approvals. The basement features additional finished rooms, a bathroom, and two means of egress, providing flexible space for a variety of uses. Outside, enjoy a large deck and outdoor space perfect for relaxing or entertaining. Whether you’re looking to expand your investment portfolio or explore the possibilities of owner occupancy, this beautifully updated property is one you won’t want to miss!

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Price & Status History

Property Timeline

🏠
Listed for Sale
Oct 30, 2026
$499,900
Original listing
Agent: The Generation Group Office: Coldwell Banker Realty - Western MA

Tax History

Year Taxes Assessment
2026 $1,140 $65,400

Financial Details

Annual Property Tax
$1,140
Tax Year 2026
Assessed Value
$65,400

Facts & Features

Home Facts

Type Residential Income
Style Multi Family
Year Built 2024
Living Area 2,155 sq ft
Lot Size 0.13 acres
Stories 3
Bedrooms 5
Full Baths 4
Total Rooms 10

Investment Metrics

Units 2
Unit 1 Rent $2,500/mo · Y
Unit 2 Rent $2,500/mo · Y
Total Monthly Rent $5,000/mo
Gross Income $30,000
Net Operating Income $30,000
Cap Rate 6.00%
Heating Electric, Ductless
Cooling Ductless
Flooring None
Appliances Range, Dishwasher, Microwave, Refrigerator, Washer, Dryer
Fireplace Electric
Fireplaces 1
Basement Full, Finished, Interior Entry
Laundry None
Features Ceiling Fan(s), Lead Certification Available, Stone/granite/solid Counters, Upgraded Cabinets, Upgraded Countertops, Open Floorplan, Remodeled, Slider, Living Room, Dining Room, Kitchen, Living Rm/dining Rm Combo, Office/den
Construction None
Architecture None
Roof None
Features Balcony/deck
Pool None
Spa None
Fencing Fenced/enclosed
Patio/Porch None
Features Paved Drive
Total Spaces 4
Electric None
Water Public
Sewer Public Sewer
Gas None
Other None

Financial

Annual Tax $1,140
Assessed Value $65,400
Fee Includes None
Amenities None
Optional Fee Includes None
Lead Paint Certified Treated
Seller Disclosures Finished Lower-level Living Area With Separate Access, Bedroom, Living Room, Mini-splits, And Two Means Of Egress. Space Is Not Recognized As A Permitted Third Dwelling Unit. Buyer And Buyers Agent To Verify Zoning, Permits, Occupancy, And Permitted Uses.
Possession None
Accepted Financing None
Structure Type []
Sq Ft Source Public Record
Documents None
County Hampden

Property Overview

Property Type
Multi Family
Listing Type
For Sale
Year Built
2024
Bedrooms
5
Full Bathrooms
4
Living Area
2,155 sq ft
Total Rooms
10
Stories
3
Levels
3

Floor Layout

Interior Features

Flooring:
Appliances: Range, Dishwasher, Microwave, Refrigerator, Washer, Dryer
Interior Features: Ceiling Fan(s), Lead Certification Available, Stone/Granite/Solid Counters, Upgraded Cabinets, Upgraded Countertops, Open Floorplan, Remodeled, Slider, Living Room, Dining Room, Kitchen, Living RM/Dining RM Combo, Office/Den
Windows:
Basement: Full, Finished, Interior Entry
Laundry:
Security:

Construction & Materials

Year Built: 2024
Structure Type:
Exterior Materials:
Roof:
Foundation: Brick/Mortar
Stories: 3

Utilities & Systems

Heating: Electric, Ductless
Cooling: Ductless
Hot Water:
Water Source: Public
Sewer: Public Sewer
Energy Features:

Exterior & Lot

Exterior Features: Balcony/Deck
Patio & Porch:
Fencing: Fenced/Enclosed
Other Structures:
Lot Features: Level
Road Surface:

Parking & Garage

Total Parking Spaces: 4
Parking Features: Paved Drive

Special Features

Fireplaces: 1
Fireplace Type: Electric
Community Amenities:
School District
Holyoke School District local
F
🎓 Where Graduates Go Class of 2021
36% attend college
15% 4-Year 21% 2-Year 4% Out of State 4% Working
⚠ School Safety 2024-25
12.2% Above Average
9.6% Suspensions 2.7% In-School 2.6% Emergency
↑ 6.7% above state avg
E

Elementary Schools

10 schools
Mater Dolorosa School
0.3 mi
Grades PK-08
First Lutheran School
1.0 mi
Grades PK-08
Center School/Crisis Interv & Assessment
1.2 mi
Grades PK-12
Blessed Sacrament School
1.3 mi
Grades PK-08
C-
Holyoke Community Charter School
1.8 mi | #301 of 352 | Score: 31.6
Improved 1 spots from last year
-26.6 below state avg
687 students Less Diverse
Grades K-08
F
H.B. Lawrence School
0.3 mi | #820 of 825 | Score: 24.4
Improved 16 spots from last year
-33.8 below state avg
263 students Moderate
Grades PK-05
F
Kelly Elementary School
0.8 mi | #804 of 825 | Score: 27.4
Improved 30 spots from last year
-30.8 below state avg
482 students Less Diverse
Rising School
Grades PK-05
F
Morgan Full Service Community School
0.9 mi | #816 of 825 | Score: 24.9
Improved 15 spots from last year
-33.3 below state avg
333 students Moderate
Grades PK-05
C
E.N. White Elementary School
1.4 mi | #595 of 825 | Score: 40.9
Improved 153 spots from last year
-17.3 below state avg
452 students Moderate
Rising School
Grades PK-05
D
Lt. Elmer J. McMahon Elementary School
2.4 mi | #758 of 825 | Score: 31.9
Dropped 13 spots from last year
-26.3 below state avg
282 students Moderate
Grades PK-05
M

Middle Schools

2 schools
Dr. William R. Peck Middle School
1.0 mi
501 students Moderate
Grades 06-08
F
Lt. Clayre Sullivan Elementary School
1.6 mi | #345 of 352 | Score: 24.5
Improved 22 spots from last year
-33.7 below state avg
429 students Less Diverse
Rising School
Grades 06-08
H

High Schools

4 schools
LightHouse Holyoke
0.6 mi
Grades 06-12
D
Holyoke High School
0.7 mi | #317 of 346 | Score: 34.1
Improved 40 spots from last year
-24.1 below state avg
1,485 students Less Diverse
15 sports • 722 athletes
Early College Program Rising School Career Tech Programs Strong Athletics
Grades 09-12
F
Opportunity Academy at Metcalf
1.3 mi | #335 of 346 | Score: 22.7
Improved 49 spots from last year
-35.5 below state avg
213 students Moderate
Rising School
Grades 09-12
B+
Gateway to College at Holyoke Community College
2.1 mi | #130 of 346 | Score: 74.1
Same rank as last year
28 students Moderate
College Ready Curriculum Strong Attendance
Grades 09-12
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Down: $0
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Monthly Payment Breakdown

Principal & Interest $0
Property Tax $95
Homeowners Insurance $200
PMI (if <20% down) $0

Loan Summary

Total of 360 payments $0
Total principal paid $0
Total interest paid $0

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Payment Over Time

Interest
Principal
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

164 Pine St, Holyoke MA 01040

Holyoke, MA 01040

Listing Information

Listing Agent The Generation Group
Listing Office Coldwell Banker Realty - Western MA
Office Phone 413-567-8931
Agent MLS ID TM353426
Office MLS ID AN7885
Listing Data Updated Oct 30, 2026 11:38 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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