181-183 High St, Holyoke MA 01040
Holyoke, MA 01040
$599,000
$574,000
Est. $3,412/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
Mixed-use investment opportunity with strong value-add potential! This property features an income-producing commercial church space, occupied residential units with long-term tenants, and additional studio apartments offering future income growth. Current rental income is generated from the commercial unit and residential tenants, while several units are undergoing renovations or require repairs to be converted into rentable studio apartments. Ideal for investors seeking to increase cash flow through improvements and lease-up opportunities. Conveniently located in downtown Holyoke, public transportation, shopping, and major routes. Property offers a unique combination of commercial and residential use with significant upside potential. Sold as-is.
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Recently Sold Nearby
Property History
Market Insights
1
Price Changes
4.2%
Price Range
Property Timeline
Price Reduced
Aug 28, 2026
$574,000
$25,000
(-4.17%)
From $599,000 to $574,000 (-4.2%)
Listed for Sale
Jun 12, 2026
$599,000
Original listing
Agent: Gilnerys Santana
Office: Amaral & Associates RE
| Date | Event | Price | Change | $/sqft | Details |
|---|---|---|---|---|---|
| 08/28/2026 | ↓ Price Reduced | $574,000 | $25,000 | - | From $599,000 to $574,000 (-4.2%) |
| 06/12/2026 | 🏠 Listed for Sale | $599,000 | - | - | Original listing |
Tax History
| Year | Taxes | Assessment |
|---|---|---|
| 2026 | $3,717 | $230,700 |
Financial Details
Annual Property Tax
$3,717
Tax Year 2026
Assessed Value
$230,700
Facts & Features
Home Facts
Type
Residential Income
Style
5-9 Family
Year Built
1850
Living Area
5,068 sq ft
Lot Size
0.04 acres
Stories
3
Bedrooms
8
Full Baths
7
Half Baths
2
Total Rooms
23
Investment Metrics
Units
7
Unit 1 Rent
$1,100/mo · N
Unit 2 Rent
$800/mo · N
Unit 3 Rent
$800/mo
Total Monthly Rent
$2,700/mo
Gross Income
$32,400
Net Operating Income
$32,400
Cap Rate
5.64%
Interior
Heating
None
Cooling
None
Flooring
None
Appliances
None
Fireplace
None
Basement
Full
Laundry
None
Features
None
Exterior
Construction
Brick
Architecture
None
Roof
Tar/gravel
Features
None
Pool
None
Spa
None
Fencing
None
Patio/Porch
None
Parking
Features
None
Utilities
Electric
None
Water
Public
Sewer
Public Sewer
Gas
None
Other
None
Financial
Annual Tax
$3,717
Assessed Value
$230,700
HOA & Community
Fee Includes
None
Amenities
None
Optional Fee Includes
None
MA Disclosures
Lead Paint
Unknown
Seller Disclosures
Buyer And Buyers Agent To Perform Their Own Due Diligence Regarding All Aspects Of The Property.
Additional Details
Possession
None
Accepted Financing
None
Structure Type
[]
Sq Ft Source
Public Record
Documents
None
County
Hampden
Total market time (incl. prior listings)
84 days
Property Overview
Property Type
5-9 Family
Listing Type
For Sale
Year Built
1850
Bedrooms
8
Full Bathrooms
7
Half Bathrooms
2
Living Area
5,068 sq ft
Total Rooms
23
Stories
3
Levels
3
Floor Layout
Interactive room guide
Floor Layout
Finished Area
5,068 sq ft above grade
2,160 sq ft below 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:
Appliances:
Interior Features:
Windows:
Basement:
Full
Laundry:
Security:
Construction & Materials
Year Built:
1850
Structure Type:
Exterior Materials:
Brick
Roof:
Tar/Gravel
Foundation:
Brick/Mortar
Stories:
3
Heating, Cooling & Utilities
Heating:
Cooling:
Hot Water:
Oil
Water Source:
Public
Sewer:
Public Sewer
Energy Features:
Exterior & Lot
Exterior Features:
Patio & Porch:
Fencing:
Other Structures:
Lot Features:
Level
Road Surface:
Parking & Garage
Parking Features:
Special Features
View:
Yes
View Type:
City View(s)
Community Amenities:
Public Transportation, Shopping, Highway Access, House of Worship, T-Station
Nearby Schools
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
Elementary Schools
10 schools
Mater Dolorosa School
0.1 mi
Grades PK-08
First Lutheran School
1.3 mi
Grades PK-08
Center School/Crisis Interv & Assessment
1.5 mi
Grades PK-12
Blessed Sacrament School
1.5 mi
Grades PK-08
C-
Holyoke Community Charter School
1.9 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
0.5 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
0.5 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
0.8 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
1.5 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
2.6 mi
|
#758 of 825
|
Score: 31.9
Dropped 13 spots from last year
-26.3 below state avg
282 students
Moderate
Grades PK-05
Middle Schools
2 schools
Dr. William R. Peck Middle School
1.2 mi
501 students
Moderate
Grades 06-08
F
Lt. Clayre Sullivan Elementary School
1.9 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
High Schools
4 schools
LightHouse Holyoke
0.5 mi
Grades 06-12
D
Holyoke High School
1.0 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
1.6 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
2.4 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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Monthly Payment
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Principal, interest, taxes & insurance
Loan Amount
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After down payment
Total Interest
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Over life of loan
Total Cost
$0
Including down payment
%
Down: $0
%
Monthly Payment Breakdown
Principal & Interest
$0
Property Tax
$310
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
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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
181-183 High St, Holyoke MA 01040
Holyoke, MA 01040
Listing Information
Listing Agent
Gilnerys Santana
Listing Office
Amaral & Associates RE
Office Phone
508-674-4972
Agent MLS ID
CN253311
Office MLS ID
FR0160
Listing Data Updated
Sep 1, 2026 3:09 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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