20-22 Gates St, Holyoke MA 01040

Holyoke, MA 01040
$450,000
Est. $2,943/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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8
Beds
4
Baths
3,952
Sq Ft
$114
Price/Sq Ft
0.09
Acres
1890
Year Built
1
Garage Space
New today
Time on Market
For Sale Open House Listed Oct 28, 2026 • MLS# 73596077 Copied! • Updated Oct 28, 2026

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Open House Schedule

31
Oct
Saturday, October 31
1:00 PM - 2:00 PM EDT

About this home

A MUST SEE! Endless possibilities await with this versatile multi-family property in Holyoke! The first-floor unit offers three bedrooms and is currently rented for $1,950 per month, providing immediate rental income. The second and third floors will be delivered completely vacant at closing, offering five additional bedrooms, an office, kitchens on both levels, and a bathroom on each floor. Updated kitchens throughout add to the appeal, while washer and dryer hookups on every floor provide added convenience. The partially finished basement features an additional bathroom, offering extra flexibility. Additional highlights include a one-car garage, a roof approximately 5 years old (APO), and a chimney redone in 2025 (APO). Conveniently located near major highways and South Street Plaza, with easy access to shopping, groceries, and everyday essentials. Whether you're an investor looking to expand your portfolio or an owner-occupant seeking flexible living arrangements, this property offers space and opportunity! OPEN HOUSE 10/31 1PM-2PM. Easy to view/show!

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Recently Sold Nearby

Price & Status History

Property Timeline

🏠
Listed for Sale
Oct 28, 2026
$450,000
Original listing
Agent: Sheila Perez Office: Naples Realty Group

Tax History

Year Taxes Assessment
2026 $5,607 $321,700

Financial Details

Annual Property Tax
$5,607
Tax Year 2026
Assessed Value
$321,700

Facts & Features

1 Car Garage

Home Facts

Type Residential Income
Style Multi Family
Year Built 1890
Living Area 3,952 sq ft
Lot Size 0.09 acres
Stories 3
Bedrooms 8
Full Baths 4
Total Rooms 14

Investment Metrics

Units 3
Unit 1 Rent $1,950/mo · Y
Unit 2 Rent $2,900/mo · N
Total Monthly Rent $4,850/mo
Gross Income $34,800
Net Operating Income $34,800
Cap Rate 7.73%
Heating None
Cooling None
Flooring Wood, Tile, Vinyl
Appliances Range, Refrigerator
Fireplace None
Basement Full, Partially Finished
Laundry Gas Dryer Hookup, Electric Dryer Hookup, Washer Hookup
Features Floored Attic, Walk-up Attic, Storage, Open Floorplan, Remodeled, Living Room, Kitchen, Laundry Room
Construction None
Architecture None
Roof Shingle
Features Rain Gutters
Pool None
Spa None
Fencing None
Patio/Porch Porch
Garage Spaces 1
Has Garage Yes
Features Paved Drive, Off Street, Paved
Total Spaces 5
Electric 110 Volts
Water Public
Sewer Public Sewer
Gas None
Other For Gas Range, For Electric Range, For Gas Oven, For Electric Oven, For Gas Dryer, For Electric Dryer, Washer Hookup, Varies Per Unit

Financial

Annual Tax $5,607
Assessed Value $321,700
Fee Includes None
Amenities None
Optional Fee Includes None
Lead Paint Unknown
Seller Disclosures Third Floor Will Be Delivered Vacant At Closing.
Possession None
Accepted Financing None
Structure Type []
House Color Tan
Sq Ft Source Public Record
Sq Ft Disclosures Additional sqft in basement
Documents None
County Hampden

Property Overview

Property Type
Multi Family
Listing Type
For Sale
Year Built
1890
Bedrooms
8
Full Bathrooms
4
Living Area
3,952 sq ft
Total Rooms
14
Stories
3
Levels
3

Floor Layout

Interior Features

Flooring: Wood, Tile, Vinyl
Appliances: Range, Refrigerator
Interior Features: Floored Attic, Walk-Up Attic, Storage, Open Floorplan, Remodeled, Living Room, Kitchen, Laundry Room
Windows: Insulated Windows
Basement: Full, Partially Finished
Laundry: Gas Dryer Hookup, Electric Dryer Hookup, Washer Hookup
Security:

Construction & Materials

Year Built: 1890
Structure Type:
Exterior Materials:
Roof: Shingle
Foundation: Stone, Brick/Mortar
Stories: 3

Utilities & Systems

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

Exterior & Lot

Exterior Features: Rain Gutters
Patio & Porch: Porch
Fencing:
Other Structures:
Lot Features:
Road Surface: Paved

Parking & Garage

Garage Spaces: 1
Total Parking Spaces: 5
Parking Features: Paved Drive, Off Street, Paved

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 $467
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

20-22 Gates St, Holyoke MA 01040

Holyoke, MA 01040

Listing Information

Listing Agent Sheila Perez
Listing Office Naples Realty Group
Office Phone 413-650-1314
Agent MLS ID CN229943
Office MLS ID AN6415
Listing Data Updated Oct 28, 2026 5:06 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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