32-34 Joy Street, Ludlow MA 01151
Ludlow, MA 01151
$950,000
Est. $5,751/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
32-34 Joy St contains eight (8) 2-Bedroom/1-Bathroom units with 5,530 square feet of gross living area in 8,382 square feet of gross area. The Property is situated upon a 0.25-acre parcel and features eight (8) off-street parking spaces. 32-34 Joy Street is well-positioned in a convenient residential neighborhood of Ludlow, offering easy access to the town center, local shopping, and surrounding residential communities. The Property benefits from excellent connectivity to major regional roadways including Center Street (Route 21), Route 141, and the Massachusetts Turnpike (Interstate 90), providing efficient access to Springfield, Chicopee, and the broader Pioneer Valley. Tenants are responsible for gas-powered heat, separately metered hot water, and separately metered electricity. The Landlord is responsible for providing city water & sewer, which they pay directly.
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Property History
Property Timeline
Listed for Sale
Oct 2, 2026
$950,000
Original listing
Office: Horvath & Tremblay
| Date | Event | Price | Change | $/sqft | Details |
|---|---|---|---|---|---|
| 10/02/2026 | 🏠 Listed for Sale | $950,000 | - | - | Original listing |
Tax History
| Year | Taxes | Assessment |
|---|---|---|
| 2026 | $8,967 | $560,100 |
Financial Details
Annual Property Tax
$8,967
Tax Year 2026
Assessed Value
$560,100
Facts & Features
Home Facts
Type
Residential Income
Style
5-9 Family
Year Built
1900
Living Area
5,530 sq ft
Lot Size
0.25 acres
Stories
5
Bedrooms
16
Full Baths
8
Total Rooms
32
Investment Metrics
Units
8
Unit 1 Rent
$1,395/mo · N
Unit 2 Rent
$1,395/mo · N
Unit 3 Rent
$1,300/mo · N
Unit 4 Rent
$1,400/mo · N
Total Monthly Rent
$5,490/mo
Gross Income
$132,480
Net Operating Income
$92,637
Operating Expenses
$39,843
Water/Sewer Expense
$2,113
Electric Expense
$414
Insurance Expense
$5,167
Cap Rate
9.75%
Interior
Heating
Natural Gas
Cooling
None
Flooring
None
Appliances
None
Fireplace
None
Basement
Unfinished
Laundry
None
Features
None
Exterior
Construction
None
Architecture
None
Roof
Rubber
Features
None
Pool
None
Spa
None
Fencing
None
Patio/Porch
None
Parking
Features
Off Street, Paved
Total Spaces
8
Utilities
Electric
Individually Metered
Water
Public
Sewer
Public Sewer
Gas
None
Other
None
Financial
Annual Tax
$8,967
Assessed Value
$560,100
HOA & Community
Fee Includes
None
Amenities
None
Optional Fee Includes
None
MA Disclosures
Lead Paint
Unknown
Seller Disclosures
None
Additional Details
Possession
None
Accepted Financing
None
Structure Type
[]
House Color
Green
Sq Ft Source
Public Record
Documents
None
County
Hampden
Property Overview
Property Type
5-9 Family
Listing Type
For Sale
Year Built
1900
Bedrooms
16
Full Bathrooms
8
Living Area
5,530 sq ft
Total Rooms
32
Stories
5
Levels
5
Floor Layout
Interactive room guide
Floor Layout
Finished Area
5,530 sq ft above grade
Display Options
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:
Appliances:
Interior Features:
Windows:
Basement:
Unfinished
Laundry:
Security:
Construction & Materials
Year Built:
1900
Structure Type:
Exterior Materials:
Roof:
Rubber
Foundation:
Concrete Perimeter
Stories:
5
Heating, Cooling & Utilities
Heating:
Natural Gas
Cooling:
Hot Water:
Natural Gas
Water Source:
Public
Sewer:
Public Sewer
Energy Features:
Exterior & Lot
Exterior Features:
Patio & Porch:
Fencing:
Other Structures:
Lot Features:
Level
Road Surface:
Paved
Parking & Garage
Total Parking Spaces:
8
Parking Features:
Off Street, Paved
Nearby Schools
School District
Ludlow School District local
C
School Safety
2024-25
3.9%
Above Average
3.9%
Suspensions
0.3%
In-School
1.6% below state avg
Elementary Schools
3 schools
St. John The Baptist School
0.5 mi
Grades PK-08
C-
Indian Orchard Elementary School
0.6 mi
|
#675 of 825
|
Score: 37.2
Improved 127 spots from last year
-21 below state avg
556 students
Diverse
Rising School
Grades PK-05
East Street Elementary School
0.9 mi
358 students
Moderate
Grades PK-01
Middle Schools
3 schools
F
John F Kennedy Middle School
1.4 mi
|
#342 of 352
|
Score: 25.2
Dropped 5 spots from last year
-33.1 below state avg
365 students
Moderate
Grades 06-08
B+
Wilbraham Middle School
2.4 mi
|
#114 of 352
|
Score: 48.1
Improved 65 spots from last year
-10.1 below state avg
610 students
Moderate
Rising School
Strong Attendance
Grades 06-08
C
John J. Duggan Middle School
3.9 mi
|
#251 of 346
|
Score: 47.1
Improved 35 spots from last year
-11.1 below state avg
843 students
Diverse
High Graduation Rate
Rising School
College Ready Curriculum
Grades 06-12
High Schools
3 schools
F
Springfield Public Day High School
1.1 mi
|
#336 of 346
|
Score: 22.5
Dropped 85 spots from last year
-35.7 below state avg
58 students
Moderate
College Ready Curriculum
Grades 09-12
B-
Ludlow Senior High School
1.5 mi
|
#194 of 346
|
Score: 52.7
Dropped 44 spots from last year
-5.5 below state avg
724 students
Moderate
18 sports
• 1,236 athletes
Strong AP Program
Career Tech Programs
Strong Athletics
Grades 09-12
Sunshine Village
2.0 mi
Grades 11-12
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Monthly Payment Calculator
Monthly Payment
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Principal, interest, taxes & insurance
Loan Amount
$0
After down payment
Total Interest
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Over life of loan
Total Cost
$0
Including down payment
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Down: $0
%
Monthly Payment Breakdown
Principal & Interest
$0
Property Tax
$747
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
$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
32-34 Joy Street, Ludlow MA 01151
Ludlow, MA 01151
Listing Information
Listing Agent
Michael Bradley
Listing Office
Horvath & Tremblay
Office Phone
781-776-4000
Agent MLS ID
CN249061
Office MLS ID
AN2723
Listing Data Updated
Oct 1, 2026 9:38 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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