23 Frederick St, Westfield MA 01085

Westfield, MA 01085
$519,000
$489,000
Est. $3,098/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
Baths
2,800
Sq Ft
$175
Price/Sq Ft
0.24
Acres
1913
Year Built
6
Parking
92
Days on Market
For Sale Price Drop -$30,000 Listed Aug 10, 2026 • MLS# 73558083 Copied! • Updated Nov 10, 2026

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About this home

Westfield three family home with two apartments rented and a vacant third floor ready for your next move. Live in the two bedroom third floor apartment while collecting rental income from below, or rent all three and build your investment portfolio. The occupied first and second floors each offer five rooms, including three bedrooms and one full bath. The vacant third floor has four rooms, including two bedrooms and one full bath. With eight bedrooms across three apartments, this property offers options whether you’re purchasing your first multifamily or adding to your rental holdings. Wood floors and enclosed porches add character, while the large backyard gives you room to enjoy more than what’s inside. Plant a garden, set up a table for summer dinners, or pull up a chair with your morning coffee. Parking for up to six vehicles in the driveway is a practical bonus for a three family home. A full basement offers additional storage, with bulkhead access for bringing items in and out. Vinyl siding and a roof replaced in 2021 round out the property’s features. The first floor tenant has lived here for about 13 years, and the second floor tenant for about eight years. Both occupied units are on month to month agreements. Tenants pay their own gas, electricity, and hot water; the third floor apartment has electric heat. The owner pays water and sewer. Two established tenancies and an available apartment give you a starting point, with the flexibility to decide what comes next. Come tour all three apartments, walk the backyard, and see how this Westfield property could work for you.

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Recently Sold Nearby

Price & Status History

Market Insights

2
Price Changes
5.8%
Price Range

Property Timeline

↓
Price Reduced
Oct 9, 2026
$489,000 $5,000 (-1.01%)
From $494,000 to $489,000 (-1.0%)
↓
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
$489,000
Original listing
Agent: Jennifer Bruno Office: Berkshire Hathaway HomeServices Realty Professionals
🏠
Listed for Sale
Aug 10, 2026
$519,000
Original listing
Agent: Jennifer Bruno Office: Berkshire Hathaway HomeServices Realty Professionals

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 2.82%
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
Construction Frame
Architecture None
Roof Shingle
Features Balcony/deck, Garden
Pool None
Spa None
Fencing None
Patio/Porch Enclosed
Features Paved Drive, Off Street
Total Spaces 6
Electric 100 Amp Service
Water Public
Sewer Public Sewer
Gas None
Other None

Financial

Annual Tax $5,100
Assessed Value $341,600
Fee Includes None
Amenities None
Optional Fee Includes None
Lead Paint Unknown
Seller Disclosures First And Second Floor Units Are Tenant Occupied. Third Floor Unit Is Vacant
Possession None
Accepted Financing None
Structure Type []
Sq Ft Source Public Record
Documents None
County Hampden
Total market time (incl. prior listings) 86 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

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

Utilities & Systems

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
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
E

Elementary Schools

3 schools
Fort Meadow Early Childhood Center
< 0.1 mi
162 students Moderate
Grades PK
St. Mary's Parish School - Elementary
0.4 mi
Grades PK-08
Full Gospel Christian School
0.8 mi
Grades K-08
M

Middle Schools

3 schools
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
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
C+
Powder Mill School
4.3 mi | #561 of 825 | Score: 42.7
Dropped 187 spots from last year
-15.5 below state avg
375 students Less Diverse
Grades 03-06
H

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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Including down payment
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Down: $0
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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

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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

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 Nov 10, 2026 10:28 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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