23 Frederick St, Westfield MA 01085
Westfield, MA 01085
$519,000
$494,000
Est. $3,123/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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About this home
Three-family home in Westfield with two occupied units and a vacant third-floor unit. The first and second floors each offer five rooms, three bedrooms, and one full bathroom. The third floor has four rooms, two bedrooms, and one full bathroom, giving a buyer the option to occupy that unit or rent it out. The first-floor tenant has lived in the property for approximately 13 years and pays $1,150 per month. The second-floor tenant has been there approximately eight years and pays $1,200 per month. Both tenants are on month-to-month agreements. The vacant third-floor unit was previously rented for $1,050 per month. Tenants pay for their own gas, electricity, and hot water; the third floor has electric heat. The owner pays for water and sewer. The roof was replaced in 2021. Additional features include wood floors, vinyl siding, enclosed porches, a full basement with bulkhead access, off-street parking for up to six vehicles, and a large backyard. The City of Westfield treats the property as one parcel. Buyers interested in the potential for a separate building lot should verify feasibility and any required approvals directly with the city.
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Recently Sold Nearby
Property History
Market Insights
1
Price Changes
4.8%
Price Range
Property Timeline
Price Reduced
Aug 26, 2026
$494,000
$25,000
(-4.82%)
From $519,000 to $494,000 (-4.8%)
Listed for Sale
Aug 10, 2026
$519,000
Original listing
Agent: Jennifer Bruno
Office: Berkshire Hathaway HomeServices Realty Professionals
| Date | Event | Price | Change | $/sqft | Details |
|---|---|---|---|---|---|
| 08/26/2026 | ↓ Price Reduced | $494,000 | $25,000 | - | From $519,000 to $494,000 (-4.8%) |
| 08/10/2026 | 🏠 Listed for Sale | $519,000 | - | - | Original listing |
Tax History
| Year | Taxes | Assessment |
|---|---|---|
| 2026 | $5,100 | $341,600 |
Financial Details
Annual Property Tax
$5,100
Tax Year 2026
Assessed Value
$341,600
Facts & Features
Home Facts
Type
Residential Income
Style
3 Family - 3 Units Up/Down
Year Built
1913
Living Area
2,800 sq ft
Lot Size
0.24 acres
Stories
3
Bedrooms
8
Full Baths
3
Total Rooms
14
Investment Metrics
Units
3
Unit 1 Rent
$1,150/mo · N
Unit 2 Rent
$1,200/mo · N
Unit 3 Rent
$1,050/mo · N
Total Monthly Rent
$3,400/mo
Gross Income
$13,800
Net Operating Income
$13,800
Cap Rate
2.79%
Interior
Heating
Natural Gas, Electric
Cooling
Window Unit(s)
Flooring
Wood, Vinyl
Appliances
Range, Dishwasher, Refrigerator
Fireplace
None
Basement
Bulkhead
Laundry
None
Features
Living Room, Kitchen
Exterior
Construction
Frame
Architecture
None
Roof
Shingle
Features
Balcony/deck, Garden
Pool
None
Spa
None
Fencing
None
Patio/Porch
Enclosed
Parking
Features
Paved Drive, Off Street
Total Spaces
6
Utilities
Electric
100 Amp Service
Water
Public
Sewer
Public Sewer
Gas
None
Other
None
Financial
Annual Tax
$5,100
Assessed Value
$341,600
HOA & Community
Fee Includes
None
Amenities
None
Optional Fee Includes
None
Down Payment Resource
Eligible
MA Disclosures
Lead Paint
Unknown
Seller Disclosures
First And Second Floor Units Are Tenant Occupied. Third Floor Unit Is Vacant
Additional Details
Possession
None
Accepted Financing
None
Structure Type
[]
Sq Ft Source
Public Record
Documents
None
County
Hampden
Total market time (incl. prior listings)
45 days
Property Overview
Property Type
3 Family - 3 Units Up/Down
Listing Type
For Sale
Year Built
1913
Bedrooms
8
Full Bathrooms
3
Living Area
2,800 sq ft
Total Rooms
14
Stories
3
Levels
3
Floor Layout
Interactive room guide
Floor Layout
Finished Area
2,800 sq ft above grade
Display Options
Outdoor Areas
Patio & porchEnclosed
Room Markers
OOffice (1)
KKitchen (1)
BRBedroom (5)
BABathroom (4)
DDining (1)
LLiving (2)
Conceptual diagram based on MLS room data. It is not to scale and is not a substitute for architectural plans or on-site measurements.
Interior Features
Flooring:
Wood, Vinyl
Appliances:
Range, Dishwasher, Refrigerator
Interior Features:
Living Room, Kitchen
Windows:
Insulated Windows
Basement:
Bulkhead
Laundry:
Security:
Construction & Materials
Year Built:
1913
Structure Type:
Exterior Materials:
Frame
Roof:
Shingle
Foundation:
Brick/Mortar
Stories:
3
Heating, Cooling & Utilities
Heating:
Natural Gas, Electric
Heating Zones:
3
Cooling:
Window Unit(s)
Hot Water:
Natural Gas
Water Source:
Public
Sewer:
Public Sewer
Energy Features:
Exterior & Lot
Exterior Features:
Balcony/Deck, Garden
Patio & Porch:
Enclosed
Fencing:
Other Structures:
Lot Features:
Road Surface:
Parking & Garage
Total Parking Spaces:
6
Parking Features:
Paved Drive, Off Street
Nearby Schools
School District
Westfield School District local
C-
Where Graduates Go
Class of 2021
58%
attend college
40%
4-Year
18%
2-Year
10%
Out of State
2%
Working
School Safety
2024-25
5.0%
Above Average
3.7%
Suspensions
2.3%
In-School
1.3%
Emergency
0.5% below state avg
Elementary Schools
10 schools
St. Mary's Parish School - Elementary
0.4 mi
Grades PK-08
Full Gospel Christian School
0.8 mi
Grades K-08
White Oak School
4.4 mi
Grades 03-12
Westfield Christian Academy
4.5 mi
Grades K-09
Fort Meadow Early Childhood Center
< 0.1 mi
162 students
Moderate
Grades PK
C-
Westfield River Elementary School
1.0 mi
|
#678 of 825
|
Score: 36.9
-21.3 below state avg
Limited historical data for year-over-year comparison
410 students
Diverse
Grades PK-04
B
Highland School
1.4 mi
|
#399 of 825
|
Score: 47.7
Improved 113 spots from last year
-10.5 below state avg
356 students
Moderate
Rising School
Grades PK-04
C
Munger Hill School
1.7 mi
|
#654 of 825
|
Score: 38.1
Dropped 240 spots from last year
-20.1 below state avg
341 students
Moderate
Grades PK-04
C
Paper Mill School
2.0 mi
|
#625 of 825
|
Score: 39.6
Dropped 69 spots from last year
-18.7 below state avg
326 students
Diverse
Grades K-04
B
Southampton Road School
2.2 mi
|
#390 of 825
|
Score: 48.0
Dropped 42 spots from last year
-10.2 below state avg
355 students
Moderate
Grades PK-04
Middle Schools
2 schools
C+
Westfield Intermediate School
2.4 mi
|
#551 of 825
|
Score: 43.0
Dropped 15 spots from last year
-15.2 below state avg
690 students
Moderate
Grades 05-06
B-
Westfield Middle School
0.8 mi
|
#205 of 352
|
Score: 40.2
Dropped 36 spots from last year
-18 below state avg
686 students
Moderate
Grades 07-08
High Schools
3 schools
St. Mary's Parish School - Secondary
0.4 mi
Grades 09-12
A
Westfield Technical Academy
1.1 mi
|
#5 of 25
|
Score: 50.8
Improved 190 spots from last year
-7.4 below state avg
553 students
Moderate
19 sports
• 508 athletes
Early College Program
High Graduation Rate
Rising School
Career Tech Programs
Grades 09-12
C+
Westfield High School
1.9 mi
|
#227 of 346
|
Score: 49.9
Improved 25 spots from last year
-8.3 below state avg
1,008 students
Moderate
20 sports
• 1,391 athletes
Early College Program
Rising School
Career Tech Programs
Strong Athletics
Grades 09-12
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Monthly Payment Calculator
Monthly Payment
$0
Principal, interest, taxes & insurance
Loan Amount
$0
After down payment
Total Interest
$0
Over life of loan
Total Cost
$0
Including down payment
%
Down: $0
%
Monthly Payment Breakdown
Principal & Interest
$0
Property Tax
$425
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
Save $0/mo
Current Rate
$0/mo
+0.5% Rate
$0/mo
Cost $0/mo
Payment Over Time
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
23 Frederick St, Westfield MA 01085
Westfield, MA 01085
Listing Information
Listing Agent
Jennifer Bruno
Listing Office
Berkshire Hathaway HomeServices Realty Professionals
Office Phone
413-568-2405
Agent MLS ID
CN245188
Office MLS ID
AN7318
Listing Data Updated
Sep 24, 2026 7:53 AM 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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