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20 Cottage St, West Springfield MA 01089

West Springfield, MA 01089
$699,900
Est. $4,087/month
9
Beds
3
Baths
3,453
Sq Ft
$203
Price/Sq Ft
0.09
Acres
1900
Year Built
4
Days on Market
Pending Listed Feb 13, 2026 • MLS# 73477160 Copied!

About this home

GET READY TO BE IMPRESSED by this fully vacant, newly renovated three-family property - a rare turnkey opportunity for an owner-occupant or investor. Nearly brand new from top to bottom, this property features a new roof, siding, electrical, plumbing, HVAC systems, windows, driveway and more (APO). All three units have been completely renovated, offering three bedrooms each, energy-efficient mini splits, spacious kitchens with stainless steel appliances and quartz countertops, and beautifully tiled bathrooms with walk-in showers. Luxury vinyl plank flooring runs throughout each unit. Every unit includes a convenient laundry closet off the kitchen with stainless steel washer/dryer combo units. The first floor unit is ADA friendly. Additional highlights include solid closet shelving, abundant recessed lighting and a renovated basement with four new secure storage closets for owner and tenant use. This property truly is a gem - schedule your showing today!!

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Property Overview

Property Type
3 Family - 3 Units Up/Down
Listing Type
For Sale
Year Built
1900
Bedrooms
9
Full Bathrooms
3
Living Area
3,453 sq ft
Total Rooms
12
Stories
3
Levels
3

Facts & Features

Home Facts

Type Residential Income
Style 3 Family - 3 Units Up/Down
Year Built 1900
Living Area 3,453 sq ft
Lot Size 0.09 acres
Bedrooms 9
Full Baths 3
Total Rooms 12

Interior

Heating Electric, Ductless
Cooling Ductless
Flooring Tile
Appliances Microwave, Energy Star Qualified Refrigerator, Energy Star Qualified Dryer, Energy Star Qualified Dishwasher, Energy Star Qualified Washer, Range
Fireplace None
Basement Full, Finished, Concrete
Laundry Electric Dryer Hookup, Washer Hookup
Features Stone/granite/solid Counters, High Speed Internet, Walk-in Closet(s), Bathroom With Shower Stall, Open Floorplan, Smart Thermostat, Remodeled

Exterior

Construction Frame
Architecture None
Roof Rubber
Features Balcony/deck
Pool None
Spa None
Fencing Fenced
Patio/Porch Porch

Parking

Features Paved Drive, Off Street, Paved
Total Spaces 5

Utilities

Electric Circuit Breakers
Water Public
Sewer Public Sewer
Gas None
Other For Electric Range, For Electric Dryer, Washer Hookup

Financial

Annual Tax $4,173
Assessed Value $280,600

Interior Features

Flooring: Tile
Appliances: Microwave, ENERGY STAR Qualified Refrigerator, ENERGY STAR Qualified Dryer, ENERGY STAR Qualified Dishwasher, ENERGY STAR Qualified Washer, Range
Interior Features: Stone/Granite/Solid Counters, High Speed Internet, Walk-In Closet(s), Bathroom with Shower Stall, Open Floorplan, Smart Thermostat, Remodeled
Windows: Insulated Windows, Screens
Basement: Full, Finished, Concrete
Laundry: Electric Dryer Hookup, Washer Hookup
Security:

Construction & Materials

Year Built: 1900
Structure Type:
Exterior Materials: Frame
Roof: Rubber
Foundation: Brick/Mortar
Stories: 3

Heating, Cooling & Utilities

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

Exterior & Lot

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

Parking & Garage

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

Location

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Neighborhood

20 Cottage St, West Springfield MA 01089

West Springfield, MA 01089

Walkability

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Nearby Schools

School District
West Springfield School District local
B
🎓 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
3.0% Above Average
2.7% Suspensions 1.1% In-School 0.3% Emergency
2.5% below state avg
E

Elementary Schools

3 schools
B-
Philip G Coburn School
0.6 mi | #499 of 824 | Score: 44.7
Improved 178 spots from last year
-13.5 below state avg
699 students Diverse
Rising School Diverse Student Body
Grades PK-05
Montessori Children's House of West Springfield Inc.
0.7 mi
Grades PK
F
Brightwood School
0.8 mi | #824 of 824 | Score: 22.5
Improved 2 spots from last year
-35.7 below state avg
456 students Less Diverse
Grades PK-05
M

Middle Schools

3 schools
B
Hampden Charter School of Science Middle School
< 0.1 mi | #147 of 346 | Score: 55.9
Improved 53 spots from last year
-2.3 below state avg
938 students Diverse
High Graduation Rate Rising School College Ready Curriculum Diverse Student Body
Grades 06-12
D
Springfield Legacy Academy
0.9 mi | #16 of 16 | Score: 19.0
Improved 340 spots from last year
-39.2 below state avg
299 students Less Diverse
Rising School
Grades 06-08
C-
Impact Prep at Chestnut
0.9 mi | #14 of 16 | Score: 23.5
Improved 349 spots from last year
-34.7 below state avg
278 students Moderate
Rising School
Grades 06-08
H

High Schools

3 schools
C-
Libertas Academy Charter School
1.1 mi | #292 of 346 | Score: 40.6
Improved 52 spots from last year
-17.7 below state avg
563 students Moderate
7 sports • 134 athletes
Rising School Strong Attendance
Grades 06-12
C-
Conservatory of the Arts
1.5 mi | #303 of 346 | Score: 37.5
Improved 2 spots from last year
-20.7 below state avg
296 students Moderate
College Ready Curriculum
Grades 06-12
B+
Gateway to College at Springfield Technical Community College
1.7 mi | #123 of 346 | Score: 74.4
Same rank as last year
25 students Moderate
College Ready Curriculum
Grades 09-12
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Monthly Payment Calculator

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
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Including down payment
%
Down: $0
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Monthly Payment Breakdown

Principal & Interest $0
Property Tax $348
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
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+0.5% Rate
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Cost $0/mo

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.

Property History

Market Insights

Property Timeline

Pending Sale
Feb 18, 2026
Offer accepted, sale pending
🏠
Listed for Sale
Feb 13, 2026
$699,900
Original listing
Office: Naples Realty Group

Price & Status History

Date Event Price Change
Feb 13, 2026 New Listing Added $699,900

Market Statistics

Days on Market
4 days
Price per Sq Ft
$203

Tax History

Year Taxes Assessment
2025 $4,173 $280,600

Financial Details

Annual Property Tax
$4,173
Tax Year 2025
Assessed Value
$280,600

Listing Information

Listing Agent Christina Santos Pietras
Listing Office Naples Realty Group
Agent MLS ID CN219602
Office MLS ID AN6415
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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Market Analytics for West Springfield, MA

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