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20-22 Gay Terrace, West Springfield MA 01089

West Springfield, MA 01089
$459,000
Est. $2,863/month
4
Beds
2
Baths
2,082
Sq Ft
$220
Price/Sq Ft
0.40
Acres
1877
Year Built
16
Days on Market
Active Listed Feb 8, 2026 • MLS# 73475319 Copied!

About this home

Well located two family property providing an excellent opportunity for owner occupants or investors! The first floor vacant unit has been completely renovated, featuring a new kitchen with granite countertops, tile backsplash, a butler's serving area and stainless steel appliances. The layout includes a living room with wall to wall carpeting, two generously sized bedrooms with ample closet space, a picture window in the living/dining area, and a new full bathroom with a tiled shower. The second floor unit offers the same floor plan, providing consistency and strong rental appeal. Additional highlights include a covered front porch, IN GROUND POOL, roof approximately 6 years old, and a heating system approximately 8 years old. A solid offering in a sought after West Springfield location. Conveniently located near shopping, dining, and major routes.

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Property Overview

Property Type
2 Family - 2 Units Up/Down
Listing Type
For Sale
Year Built
1877
Bedrooms
4
Full Bathrooms
2
Living Area
2,082 sq ft
Total Rooms
10
Stories
2
Levels
2

Facts & Features

Home Facts

Type Residential Income
Style 2 Family - 2 Units Up/Down
Year Built 1877
Living Area 2,082 sq ft
Lot Size 0.40 acres
Bedrooms 4
Full Baths 2
Total Rooms 10

Interior

Heating Hot Water
Cooling None
Flooring Carpet, Laminate
Appliances Range, Dishwasher, Microwave, Refrigerator
Fireplace None
Basement Full
Laundry None
Features Living Room, Kitchen

Exterior

Construction Frame
Architecture None
Roof Shingle
Features Rain Gutters
Pool In Ground
Spa None
Fencing None
Patio/Porch Porch

Parking

Features Off Street
Total Spaces 4

Utilities

Electric Circuit Breakers
Water Public
Sewer Public Sewer
Gas None
Other None

Financial

Annual Tax $4,110
Assessed Value $276,400

Interior Features

Flooring: Carpet, Laminate
Appliances: Range, Dishwasher, Microwave, Refrigerator
Interior Features: Living Room, Kitchen
Windows:
Basement: Full
Laundry:
Security:

Construction & Materials

Year Built: 1877
Structure Type:
Exterior Materials: Frame
Roof: Shingle
Foundation: Concrete Perimeter
Stories: 2

Heating, Cooling & Utilities

Heating: Hot Water
Cooling:
Hot Water:
Water Source: Public
Sewer: Public Sewer
Energy Features:

Exterior & Lot

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

Parking & Garage

Total Parking Spaces: 4
Parking Features: Off Street

Location

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Neighborhood

20-22 Gay Terrace, West Springfield MA 01089

West Springfield, MA 01089

Walkability

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Nearby Schools

School District
West Springfield School District local
B
🎓 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
3.0% Above Average
2.7% Suspensions 1.1% In-School 0.3% Emergency
2.5% below state avg
E

Elementary Schools

3 schools
Montessori Children's House of West Springfield Inc.
0.4 mi
Grades PK
B-
Philip G Coburn School
0.5 mi | #499 of 824 | Score: 44.7
Improved 178 spots from last year
-13.5 below state avg
699 students Diverse
Rising School Diverse Student Body
Grades PK-05
C
German Gerena Community School
0.7 mi | #637 of 824 | Score: 39.0
Improved 91 spots from last year
-19.2 below state avg
621 students Moderate
Rising School
Grades PK-05
M

Middle Schools

3 schools
D
Springfield Legacy Academy
0.7 mi | #16 of 16 | Score: 19.0
Improved 340 spots from last year
-39.2 below state avg
299 students Less Diverse
Rising School
Grades 06-08
C-
Impact Prep at Chestnut
0.7 mi | #14 of 16 | Score: 23.5
Improved 349 spots from last year
-34.7 below state avg
278 students Moderate
Rising School
Grades 06-08
B
Chestnut Accelerated Middle School (Talented and Gifted)
0.7 mi | #164 of 352 | Score: 43.2
Dropped 11 spots from last year
-15 below state avg
265 students Diverse
Strong Attendance
Grades 06-08
H

High Schools

2 schools
B
West Springfield High School
1.0 mi | #160 of 346 | Score: 54.2
Improved 77 spots from last year
-4 below state avg
1,231 students Diverse
18 sports • 1,524 athletes
Rising School Career Tech Programs Strong Athletics
Grades 09-12
C-
Libertas Academy Charter School
1.9 mi | #292 of 346 | Score: 40.6
Improved 52 spots from last year
-17.7 below state avg
563 students Moderate
7 sports • 134 athletes
Rising School Strong Attendance
Grades 06-12
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Monthly Payment Calculator

Monthly Payment
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Loan Amount
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After down payment
Total Interest
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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 $343
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
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Save $0/mo
Current Rate
$0/mo
+0.5% 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.

Property History

Property Timeline

🏠
Listed for Sale
Feb 8, 2026
$459,000
Original listing
Agent: Marisol Franco Office: Coldwell Banker Realty - Western MA

Price & Status History

Date Event Price Change
Feb 8, 2026 New Listing Added $459,000

Market Statistics

Days on Market
16 days
Price per Sq Ft
$220

Tax History

Year Taxes Assessment
2025 $4,110 $276,400

Financial Details

Annual Property Tax
$4,110
Tax Year 2025
Assessed Value
$276,400

Listing Information

Listing Agent Marisol Franco
Listing Office Coldwell Banker Realty - Western MA
Agent MLS ID M8000848
Office MLS ID AN7885
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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Market Analytics for West Springfield, MA

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