20-22 Elmwood Ave, Holyoke MA 01040

Holyoke, MA 01040
$439,900
Est. $2,952/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
2
Baths
2,456
Sq Ft
$179
Price/Sq Ft
0.11
Acres
1915
Year Built
2
Garage Spaces
New today
Time on Market
For Sale Open House Listed Nov 12, 2026 • MLS# 73601519 Copied! • Updated Nov 12, 2026

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Open House Schedule

14
Nov
Saturday, November 14
12:00 PM - 2:00 PM EST
15
Nov
Sunday, November 15
12:00 PM - 2:00 PM EST

About this home

LET'S REAL ESTATE! A fantastic opportunity to own a move-in-ready two-family home situated on a low-traffic street in the sought-after Elmwood section of Holyoke! Offering the perfect combination of character, space, and functionality, this well-maintained property features two spacious units, 3 bedrooms,1 full bathroom per apartment with in-unit laundry. Both units showcase beautiful natural woodwork, gleaming hardwood floors, and classic layouts featuring formal living rooms, dining rooms, and kitchens. The second-floor unit has been tastefully renovated, while the first-floor unit is vacant, refreshed & ready for its next owner-occupant or tenant. Additional improvements include newer vinyl replacement windows, new interior doors, newer oil tanks, newer water heaters, a roof approximately 10 years old, and Dunkirk heating boilers of similar age. The attic presents endless possibilities with soaring high ceilings and a space made ready for your vision. Whether you're looking to owner-occupy and generate rental income or expand your investment portfolio, this property presents an excellent opportunity. Enjoy the charm of the Elmwood neighborhood, the convenience of a fully functional two-family layout, and the flexibility of having one unit ready for immediate occupancy. Don't miss your opportunity to make this versatile Holyoke property yours. Come on out & Let's Real Estate TOGETHER!

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Recently Sold Nearby

Price & Status History

Property Timeline

🏠
Listed for Sale
Nov 12, 2026
$439,900
Original listing
Agent: Armando Olivares Office: Five Stars Realty LLC

Tax History

Year Taxes Assessment
2026 $6,332 $363,300

Financial Details

Annual Property Tax
$6,332
Tax Year 2026
Assessed Value
$363,300

Facts & Features

2 Car Garage

Home Facts

Type Residential Income
Style Multi Family
Year Built 1915
Living Area 2,456 sq ft
Lot Size 0.11 acres
Stories 2
Bedrooms 6
Full Baths 2
Total Rooms 12

Investment Metrics

Units 2
Unit 1 Rent — · Y
Unit 2 Rent $1,800/mo · N
Total Monthly Rent $1,800/mo
Gross Income $21,600
Net Operating Income $21,600
Cap Rate 4.91%
Heating None
Cooling None
Flooring Wood
Appliances Range, Refrigerator, Washer, Dryer
Fireplace None
Basement Full, Concrete
Laundry None
Features None
Construction Frame
Architecture None
Roof Shingle
Features None
Pool None
Spa None
Fencing None
Patio/Porch Porch
Garage Spaces 2
Has Garage Yes
Features Paved Drive, Off Street
Total Spaces 5
Electric None
Water Public
Sewer Public Sewer
Gas None
Other For Gas Range, For Electric Range, For Electric Oven

Financial

Annual Tax $6,332
Assessed Value $363,300
Fee Includes None
Amenities None
Optional Fee Includes None
Lead Paint Yes
Seller Disclosures Second Floor Unit To Be Shown Post Accepted Offer. All Appliances Belong To The Current Owner And Will Transfer With The Sale. Some Interior Photos Digitally Enhanced.
Exclusions Belongings Stored In Basement & Garage. All Tenants Belongings In 2nd Floor Unit.
Possession None
Accepted Financing Contract
Structure Type []
Sq Ft Source Public Record
Documents None
County Hampden

Property Overview

Property Type
Multi Family
Listing Type
For Sale
Year Built
1915
Bedrooms
6
Full Bathrooms
2
Living Area
2,456 sq ft
Total Rooms
12
Stories
2
Levels
2

Floor Layout

Interior Features

Flooring: Wood
Appliances: Range, Refrigerator, Washer, Dryer
Interior Features:
Windows:
Basement: Full, Concrete
Laundry:
Security:

Construction & Materials

Year Built: 1915
Structure Type:
Exterior Materials: Frame
Roof: Shingle
Foundation: Block
Stories: 2

Utilities & Systems

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

Exterior & Lot

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

Parking & Garage

Garage Spaces: 2
Total Parking Spaces: 5
Parking Features: Paved Drive, Off Street

Nearby Schools

School information not available for this location.

Monthly Payment Calculator

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Including down payment
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Down: $0
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Monthly Payment Breakdown

Principal & Interest $0
Property Tax $528
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

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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

20-22 Elmwood Ave, Holyoke MA 01040

Holyoke, MA 01040

Listing Information

Listing Agent Armando Olivares
Listing Office Five Stars Realty LLC
Office Phone 860-560-1500
Agent MLS ID CN252083
Office MLS ID AN8059
Listing Data Updated Nov 12, 2026 12:56 PM EST
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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