190 Oak St, Springfield MA 01151

Springfield, MA 01151 • Indian Orchard
$450,000
Est. $2,939/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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6
Beds
3
Baths
2,836
Sq Ft
$159
Price/Sq Ft
0.15
Acres
1916
Year Built
5
Parking
New today
Time on Market
For Sale Open House Listed Oct 15, 2026 • MLS# 73591533 Copied! • Updated Oct 15, 2026

Track this home for price, status, and open-house alerts.

Open House Schedule

17
Oct
Saturday, October 17
12:00 PM - 1:30 PM EDT

About this home

Your first home could also be your first investment! Welcome to 190 Oak Street, a three-unit property in Indian Orchard that lets you combine homeownership with long-term income potential. Perfect front yard for holiday decorating. Unit 2 is vacant, while leases for Units 1 and 3 are expiring soon, giving a new owner the opportunity to select tenants and set market rents as units become available. Units 1 and 2 feature spacious formal living rooms for setting up a TV to watch seasonal sporting games or simply entertaining. The home features wood and tile flooring throughout, dining rooms for family dinners, large eat-in kitchens with rear porch access, two bedrooms with closets, and full bathrooms with windows and tub/shower combinations. Unit 3 offers a combined living and dining area, an eat-in kitchen, and a bathroom with a shower stall. Updates include newer hot water tanks, a newer furnace, updated electrical, and professional basement air sealing and insulation after a Mass Save Home Energy Assessment. This dry basement includes separate washer/dryer connections and storage areas. Two units are lead-treated for Section 8 requirements. Spacious yard for entertainment or enjoying fall gatherings. Great investment for multigenerational or in-law living. Conveniently located near shops, parks, public transportation, Route 20, and the Mass Pike. Live in one unit and put your investment plans into motion!

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Recently Sold Nearby

Price & Status History

Property Timeline

🏠
Listed for Sale
Oct 15, 2026
$450,000
Original listing
Agent: Tanya Harvey Group Office: Keller Williams Realty

Tax History

Year Taxes Assessment
2025 $5,560 $354,600

Financial Details

Annual Property Tax
$5,560
Tax Year 2025
Assessed Value
$354,600

Facts & Features

Home Facts

Type Residential Income
Style 3 Family
Year Built 1916
Living Area 2,836 sq ft
Lot Size 0.15 acres
Stories 3
Bedrooms 6
Full Baths 3
Total Rooms 15

Investment Metrics

Units 3
Unit 1 Rent $1,550/mo · Y
Unit 2 Rent — · N
Unit 3 Rent $1,500/mo · Y
Total Monthly Rent $3,050/mo
Gross Income $18,600
Net Operating Income $18,600
Cap Rate 4.13%
Heating Natural Gas
Cooling None
Flooring Tile, Wood
Appliances Range, Refrigerator
Fireplace None
Basement Full
Laundry None
Features Pantry, Bathroom With Tub & Shower, Bathroom With Shower Stall, Living Room, Dining Room, Kitchen, Living Rm/dining Rm Combo
Construction Frame
Architecture None
Roof Shingle
Features None
Pool None
Spa None
Fencing None
Patio/Porch Porch, Enclosed
Features Off Street
Total Spaces 5
Electric Circuit Breakers
Water Public
Sewer Public Sewer
Gas None
Other None

Financial

Annual Tax $5,560
Assessed Value $354,600
Fee Includes None
Amenities None
Optional Fee Includes None
Lead Paint Certified Treated
Seller Disclosures None
Possession None
Accepted Financing None
Structure Type []
House Color Tan
Sq Ft Source Public Record
Documents None
County Hampden

Property Overview

Property Type
3 Family
Listing Type
For Sale
Year Built
1916
Bedrooms
6
Full Bathrooms
3
Living Area
2,836 sq ft
Total Rooms
15
Stories
3
Levels
3

Floor Layout

Interior Features

Flooring: Tile, Wood
Appliances: Range, Refrigerator
Interior Features: Pantry, Bathroom With Tub & Shower, Bathroom with Shower Stall, Living Room, Dining Room, Kitchen, Living RM/Dining RM Combo
Windows: Picture Window
Basement: Full
Laundry:
Security:

Construction & Materials

Year Built: 1916
Structure Type:
Exterior Materials: Frame
Roof: Shingle
Foundation: Brick/Mortar
Stories: 3

Utilities & Systems

Heating: Natural Gas
Cooling: None
Hot Water:
Water Source: Public
Sewer: Public Sewer
Energy Features:

Exterior & Lot

Exterior Features:
Patio & Porch: Porch, Enclosed
Fencing:
Other Structures:
Lot Features: Other
Road Surface:

Parking & Garage

Total Parking Spaces: 5
Parking Features: Off Street
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
E

Elementary Schools

3 schools
C-
Indian Orchard Elementary School
0.6 mi | #675 of 825 | Score: 37.2
Improved 127 spots from last year
-21 below state avg
556 students Diverse
Rising School
Grades PK-05
B-
Warner School
1.0 mi | #423 of 825 | Score: 47.0
Improved 134 spots from last year
-11.2 below state avg
251 students Diverse
Rising School
Grades PK-05
St. John The Baptist School
1.5 mi
Grades PK-08
M

Middle Schools

3 schools
F
John F Kennedy Middle School
0.4 mi | #342 of 352 | Score: 25.2
Dropped 5 spots from last year
-33.1 below state avg
365 students Moderate
Grades 06-08
B+
Wilbraham Middle School
2.7 mi | #114 of 352 | Score: 48.1
Improved 65 spots from last year
-10.1 below state avg
610 students Moderate
Rising School Strong Attendance
Grades 06-08
C
John J. Duggan Middle School
2.9 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
H

High Schools

3 schools
F
Springfield Public Day High School
0.3 mi | #336 of 346 | Score: 22.5
Dropped 85 spots from last year
-35.7 below state avg
58 students Moderate
College Ready Curriculum
Grades 09-12
Sunshine Village
1.7 mi
Grades 11-12
C-
Baystate Academy Charter Public School
2.5 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
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Monthly Payment Breakdown

Principal & Interest $0
Property Tax $463
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
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Location

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Neighborhood

Indian Orchard

190 Oak St, Springfield MA 01151

Springfield, MA 01151

Listing Information

Listing Agent Tanya Harvey Group
Listing Office Keller Williams Realty
Office Phone 413-565-5478
Agent MLS ID TM329844
Office MLS ID M95273
Listing Data Updated Oct 15, 2026 5:52 PM 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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