2095-2097 Main St, Palmer MA 01080

Palmer, MA 01080 • Three Rivers
$315,000
Est. $2,242/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
3.5
Baths
3,400
Sq Ft
$93
Price/Sq Ft
0.22
Acres
1900
Year Built
1
Garage Space
New today
Time on Market
For Sale Open House Listed Nov 9, 2026 • MLS# 73600260 Copied! • Updated Nov 10, 2026

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Open House Schedule

15
Nov
Sunday, November 15
11:00 AM - 12:30 PM EST

About this home

Located in the heart of downtown Three Rivers, this three-family property offers convenience, flexibility, and outstanding income potential at an attractive price point. Close to local shops, restaurants, and everyday amenities, the location is ideal. The spacious main unit features 4 bedrooms and 1.5 bathrooms and is move-in ready, making it perfect for an owner-occupant looking to offset their mortgage with rental income. The two additional units offer an opportunity to build equity with some updating. Live comfortably in one unit while collecting rent from the other two, or rent out all three for a fantastic investment opportunity. At an asking price of just $315,000, this is your chance to secure a multi-family property with tremendous upside.

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Recently Sold Nearby

Price & Status History

Property Timeline

🏠
Listed for Sale
Nov 9, 2026
$315,000
Original listing
Agent: King Group Office: Coldwell Banker Realty - Western MA

Tax History

Year Taxes Assessment
2026 $5,394 $292,500

Financial Details

Annual Property Tax
$5,394
Tax Year 2026
Assessed Value
$292,500

Facts & Features

1 Car Garage

Home Facts

Type Residential Income
Style 3 Family
Year Built 1900
Living Area 3,400 sq ft
Lot Size 0.22 acres
Stories 4
Bedrooms 8
Full Baths 3
Half Baths 1
Total Rooms 16

Investment Metrics

Units 3
Unit 1 Rent — · N
Unit 2 Rent — · N
Operating Expenses $3,177
Water/Sewer Expense $3,357
Insurance Expense $7,198
Heating Steam, Oil, Propane
Cooling None
Flooring Tile, Vinyl, Carpet, Hardwood
Appliances Range, Dishwasher, Disposal, Microwave, Refrigerator
Fireplace None
Basement Full, Crawl Space, Interior Entry, Dirt Floor, Concrete
Laundry Electric Dryer Hookup, Washer Hookup
Features Ceiling Fan(s), Bathroom With Tub & Shower, Internet Available - Unknown, Living Room, Kitchen, Mudroom
Construction None
Architecture None
Roof None
Features None
Pool None
Spa None
Fencing None
Patio/Porch Porch
Garage Spaces 1
Has Garage Yes
Features Off Street
Total Spaces 7
Electric Fuses, Circuit Breakers, Varies Per Unit
Water Public
Sewer Public Sewer
Gas None
Other For Electric Dryer, Washer Hookup

Financial

Annual Tax $5,394
Assessed Value $292,500
Fee Includes None
Amenities None
Optional Fee Includes None
Down Payment Resource Eligible
Lead Paint Unknown
Seller Disclosures Some Lights Are Non Functioning Throughout The House. Peeling Paint On Exterior, Exterior Wood, And Roof Condition Will Not Qualify For Fha/va. Main Unit Is Move In Ready, Other Units Need Work.
Exclusions Deep Freezer, Washer/Dryers
Possession None
Accepted Financing None
Structure Type []
House Color yellow
Sq Ft Source Other
Documents None
County Hampden
Total market time (incl. prior listings) 1 days

Property Overview

Property Type
3 Family
Listing Type
For Sale
Year Built
1900
Bedrooms
8
Full Bathrooms
3
Half Bathrooms
1
Living Area
3,400 sq ft
Total Rooms
16
Stories
4
Levels
4

Floor Layout

Interior Features

Flooring: Tile, Vinyl, Carpet, Hardwood
Appliances: Range, Dishwasher, Disposal, Microwave, Refrigerator
Interior Features: Ceiling Fan(s), Bathroom With Tub & Shower, Internet Available - Unknown, Living Room, Kitchen, Mudroom
Windows:
Basement: Full, Crawl Space, Interior Entry, Dirt Floor, Concrete
Laundry: Electric Dryer Hookup, Washer Hookup
Security:

Construction & Materials

Year Built: 1900
Structure Type:
Exterior Materials:
Roof:
Foundation: Stone, Brick/Mortar
Stories: 4

Utilities & Systems

Heating: Steam, Oil, Propane
Cooling: None
Hot Water: Oil, Electric, Varies Per Unit
Water Source: Public
Sewer: Public Sewer
Energy Features:

Exterior & Lot

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

Parking & Garage

Garage Spaces: 1
Total Parking Spaces: 7
Parking Features: Off Street

Nearby Schools

School information not available for this location.

Monthly Payment Calculator

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Over life of loan
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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 $450
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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Current Rate
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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

Three Rivers

2095-2097 Main St, Palmer MA 01080

Palmer, MA 01080

Listing Information

Listing Agent King Group
Listing Office Coldwell Banker Realty - Western MA
Office Phone 413-567-8931
Agent MLS ID TEAM0204
Office MLS ID AN7885
Listing Data Updated Nov 10, 2026 3:30 AM 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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