45 Middlesex St, Springfield MA 01109

Springfield, MA 01109
$399,000
Est. $2,661/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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6
Beds
3
Baths
3,107
Sq Ft
$128
Price/Sq Ft
0.12
Acres
1914
Year Built
2
Parking
2 Family - 2 Units Up/Down
Type
12 hours 35 minutes
Time on Market
For Sale Open House Listed Sep 9, 2026 • MLS# 73574328 Copied! • Updated Sep 9, 2026

Track this home for price, status, and open-house alerts.

Open House Schedule

12
Sep
Saturday, September 12
1:00 PM - 3:00 PM EDT

About this home

Welcome to 45 Middlesex Street! This spacious 2-family property offers a great opportunity for investors or owner-occupants. The second-floor unit will be delivered vacant and features additional living space on the third floor, providing plenty of room and flexibility. With a total of 6 bedrooms, 3 bathrooms, and approximately 3,120 sq. ft., this property offers generous living space throughout. Conveniently located in Springfield with easy access to local amenities, shopping, schools, and major routes. Whether you’re looking to expand your investment portfolio or occupy one unit while generating rental income from the other, this property offers excellent potential. Don’t miss this opportunity—All showings deferred to Open House on 9/12 1-3pm.**Professional photos to be added on 9/11**

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Recently Sold Nearby

Property History

Property Timeline

🏠
Listed for Sale
Sep 9, 2026
$399,000
Original listing
Agent: Patriot Living Group Office: Lock and Key Realty Inc.

Tax History

Year Taxes Assessment
2025 $5,316 $339,000

Financial Details

Annual Property Tax
$5,316
Tax Year 2025
Assessed Value
$339,000

Facts & Features

Home Facts

Type Residential Income
Style 2 Family - 2 Units Up/Down
Year Built 1914
Living Area 3,107 sq ft
Lot Size 0.12 acres
Stories 3
Bedrooms 6
Full Baths 3
Total Rooms 12

Investment Metrics

Units 2
Unit 1 Rent $1,450/mo · Y
Unit 2 Rent — · N
Total Monthly Rent $1,450/mo
Gross Income $17,400
Net Operating Income $17,400
Cap Rate 4.36%
Heating Forced Air, Natural Gas, Electric
Cooling None
Flooring Hardwood
Appliances Range, Dishwasher, Microwave, Refrigerator
Fireplace None
Basement Full, Unfinished
Laundry None
Features Upgraded Cabinets, Upgraded Countertops, Living Room, Kitchen, Living Rm/dining Rm Combo, Dining Room, Family Room
Construction Frame
Architecture None
Roof Shingle
Features Rain Gutters
Pool None
Spa None
Fencing None
Patio/Porch Porch, Enclosed
Features Paved Drive, Paved
Total Spaces 2
Electric 110 Volts
Water Public
Sewer Public Sewer
Gas None
Other None

Financial

Annual Tax $5,316
Assessed Value $339,000
Fee Includes None
Amenities None
Optional Fee Includes None
Lead Paint Unknown
Seller Disclosures All Appliances On First Floor Belong To Tenant.
Possession None
Accepted Financing Contract
Structure Type []
House Color Yellow
Sq Ft Source Public Record
Documents None
County Hampden

Property Overview

Property Type
2 Family - 2 Units Up/Down
Listing Type
For Sale
Year Built
1914
Bedrooms
6
Full Bathrooms
3
Living Area
3,107 sq ft
Total Rooms
12
Stories
3
Levels
3

Floor Layout

Interior Features

Flooring: Hardwood
Appliances: Range, Dishwasher, Microwave, Refrigerator
Interior Features: Upgraded Cabinets, Upgraded Countertops, Living Room, Kitchen, Living RM/Dining RM Combo, Dining Room, Family Room
Windows:
Basement: Full, Unfinished
Laundry:
Security:

Construction & Materials

Year Built: 1914
Structure Type:
Exterior Materials: Frame
Roof: Shingle
Foundation: Concrete Perimeter
Stories: 3

Heating, Cooling & Utilities

Heating: Forced Air, Natural Gas, Electric
Cooling:
Hot Water: Natural Gas
Water Source: Public
Sewer: Public Sewer
Energy Features:

Exterior & Lot

Exterior Features: Rain Gutters
Patio & Porch: Porch, Enclosed
Fencing:
Other Structures:
Lot Features:
Road Surface:

Parking & Garage

Total Parking Spaces: 2
Parking Features: Paved Drive, Paved
School District
Springfield School District local
D
🎓 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
5.9% Above Average
5.1% Suspensions 1.4% In-School 0.8% Emergency
↑ 0.4% above state avg
E

Elementary Schools

10 schools
D
The Springfield Virtual School
0.2 mi | #326 of 346 | Score: 30.7
Improved 11 spots from last year
-27.5 below state avg
201 students Moderate
College Ready Curriculum
Grades PK-12
St. Michael's Academy
1.4 mi
Grades PK-08
Your Educational Success Academy
1.5 mi
Grades K-12
B
Veritas Preparatory Charter School
1.7 mi | #12 of 25 | Score: 34.5
Improved 339 spots from last year
-23.8 below state avg
769 students Moderate
Early College Program Rising School
Grades 05-12
A+
Springfield Preparatory Charter School
1.9 mi | #2 of 16 | Score: 48.5
Improved 94 spots from last year
-9.8 below state avg
485 students Moderate
Rising School Strong Attendance
Grades K-08
A
Alfred G. Zanetti Montessori Magnet School
1.9 mi | #3 of 16 | Score: 47.5
Improved 137 spots from last year
-10.7 below state avg
436 students Diverse
Rising School
Grades PK-08
Pioneer Valley Christian Academy
2.0 mi
Grades PK-12
Grace Academy
2.3 mi
Grades K-12
Academy Hill School
2.4 mi
Grades PK-08
Pioneer Valley Montessori School
2.9 mi
Grades PK-06
M

Middle Schools

10 schools
C
John J. Duggan Middle School
1.4 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
C+
STEM Middle Academy
0.6 mi | #12 of 16 | Score: 24.5
Improved 298 spots from last year
-33.7 below state avg
241 students Diverse
Rising School
Grades 06-08
Springfield Commonwealth Academy
1.5 mi
Grades 06-08
C-
Van Sickle Prep School
1.8 mi | #15 of 16 | Score: 21.0
Improved 330 spots from last year
-37.2 below state avg
207 students Moderate
Rising School
Grades 06-08
B-
Van Sickle Academy
1.8 mi | #10 of 16 | Score: 28.1
Improved 340 spots from last year
-30.1 below state avg
256 students Moderate
Rising School
Grades 06-08
F
Forest Park Middle School
1.9 mi | #341 of 352 | Score: 26.3
Improved 18 spots from last year
-31.9 below state avg
460 students Diverse
Grades 06-08
F
South End Middle School
1.9 mi | #350 of 352 | Score: 23.0
Improved 12 spots from last year
-35.2 below state avg
176 students Moderate
Grades 06-08
Springfield Middle School
2.8 mi
15 students Moderate
Grades 06-08
F
Springfield Public Day Middle School
2.8 mi | #352 of 352 | Score: 19.5
Improved 14 spots from last year
-38.7 below state avg
45 students Diverse
Grades 06-08
F
Kiley Prep
2.8 mi | #351 of 352 | Score: 21.5
Improved 9 spots from last year
-36.7 below state avg
314 students Diverse
Grades 06-08
H

High Schools

10 schools
C
Emergence Academy
1.3 mi | #21 of 25 | Score: 26.2
Improved 356 spots from last year
-32 below state avg
376 students Diverse
Rising School Diverse Student Body
Grades 06-12
C-
Conservatory of the Arts
1.5 mi | #303 of 346 | Score: 37.6
Improved 2 spots from last year
-20.6 below state avg
292 students Moderate
High Graduation Rate College Ready Curriculum
Grades 06-12
C-
Baystate Academy Charter Public School
1.7 mi | #306 of 346 | Score: 37.1
Improved 37 spots from last year
-21.1 below state avg
344 students Diverse
Rising School College Ready Curriculum
Grades 06-12
C
The Springfield Renaissance School an Expeditionary Learning School
1.8 mi | #275 of 346 | Score: 45.0
Improved 6 spots from last year
-13.2 below state avg
596 students Diverse
High Graduation Rate College Ready Curriculum
Grades 06-12
C+
Libertas Academy Charter School
1.9 mi | #238 of 346 | Score: 48.5
Improved 106 spots from last year
-9.8 below state avg
592 students Moderate
7 sports • 134 athletes
Rising School
Grades 06-12
F
Springfield International Academy at Sci-Tech
0.5 mi | #340 of 346 | Score: 20.7
Dropped 40 spots from last year
-37.5 below state avg
52 students Diverse
Career Tech Programs College Ready Curriculum Diverse Student Body
Grades 09-12
C-
Springfield High School of Science and Technology
0.5 mi | #311 of 346 | Score: 36.3
Dropped 1 spots from last year
-21.9 below state avg
1,147 students Moderate
13 sports • 870 athletes
Career Tech Programs College Ready Curriculum
Grades 09-12
A
Roger L. Putnam Vocational Technical Academy
0.6 mi | #6 of 25 | Score: 50.3
Improved 257 spots from last year
-7.9 below state avg
1,377 students Moderate
High Graduation Rate Rising School Career Tech Programs College Ready Curriculum
Grades 09-12
Pope Francis Preparatory School
1.0 mi
18 sports • 1,124 athletes
Strong Athletics
Grades 09-12
F
Phoenix Academy Public Charter High School, Springfield
1.2 mi | #343 of 346 | Score: 20.1
Improved 5 spots from last year
-38.1 below state avg
175 students Moderate
College Ready Curriculum
Grades 09-12
Learn about these ratings
School data provided by BMN Schools

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Monthly Payment Breakdown

Principal & Interest $0
Property Tax $443
Homeowners Insurance $200
PMI (if <20% down) $0

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Year 15
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Year 30
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Location

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Neighborhood

45 Middlesex St, Springfield MA 01109

Springfield, MA 01109

Listing Information

Listing Agent Patriot Living Group
Listing Office Lock and Key Realty Inc.
Office Phone 413-282-8080
Agent MLS ID TM336290
Office MLS ID AN5521
Listing Data Updated Sep 9, 2026 1:58 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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