102-104 Cambridge St, Springfield MA 01109
Springfield, MA 01109
$489,900
Est. $3,062/month
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About this home
Attention investors and owner-occupants—this is the opportunity you’ve been waiting for! Spacious two-family offering outstanding income potential and room to grow. The first unit features 3 bedrooms, 1 full bath, a large kitchen with refrigerator, stove, and microwave, plus an enclosed porch. The second unit boasts 6 bedrooms, 2 full baths, a kitchen with refrigerator and stove, washer and dryer hookups, and its own enclosed porch. A partially finished basement offers abundant storage and additional usable space. Recent upgrades include a newer roof, energy-efficient solar panels, and a newly paved driveway with off-street parking for approximately 6 vehicles. Conveniently located near schools, parks, shopping, restaurants, laundromats, and public transportation. Whether you’re looking to maximize rental income or offset your mortgage with tenant income, this property checks the boxes.
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Recently Sold Nearby
Property History
Property Timeline
Listed for Sale
Jul 22, 2026
$489,900
Original listing
Agent: Rafael Fontanez
Office: Signature Realty
| Date | Event | Price | Change | $/sqft | Details |
|---|---|---|---|---|---|
| 07/22/2026 | 🏠 Listed for Sale | $489,900 | - | - | Original listing |
Tax History
| Year | Taxes | Assessment |
|---|---|---|
| 2025 | $4,619 | $294,600 |
Financial Details
Annual Property Tax
$4,619
Tax Year 2025
Assessed Value
$294,600
Facts & Features
Home Facts
Type
Residential Income
Style
2 Family - 2 Units Up/Down
Year Built
1922
Living Area
2,898 sq ft
Lot Size
0.15 acres
Bedrooms
9
Full Baths
3
Total Rooms
18
Investment Metrics
Units
2
Unit 1 Rent
— · N
Unit 2 Rent
$1,900/mo · Y
Total Monthly Rent
$1,900/mo
Gross Income
$22,800
Net Operating Income
$22,800
Cap Rate
4.65%
Interior
Heating
None
Cooling
None
Flooring
Wood, Vinyl
Appliances
None
Fireplace
None
Basement
Partial
Laundry
Electric Dryer Hookup
Features
None
Exterior
Construction
Frame
Architecture
None
Roof
Shingle
Features
Other
Pool
None
Spa
None
Fencing
None
Patio/Porch
Enclosed
Parking
Features
Off Street
Total Spaces
6
Utilities
Electric
100 Amp Service
Water
Public
Sewer
Public Sewer
Gas
None
Other
For Gas Range, For Electric Range, For Electric Dryer
Financial
Annual Tax
$4,619
Assessed Value
$294,600
HOA & Community
Fee Includes
None
Amenities
None
Optional Fee Includes
None
Down Payment Resource
Eligible
MA Disclosures
Seller Disclosures
Property Comes With Solar Panels. Inquire About The Terms And Conditions.
Additional Details
Possession
None
Accepted Financing
None
Structure Type
[]
Sq Ft Source
Public Record
Sq Ft Disclosures
Buyer to conduct due diligence about living square footage.
Documents
None
County
Hampden
Total market time (incl. prior listings)
4 days
Property Overview
Property Type
2 Family - 2 Units Up/Down
Listing Type
For Sale
Year Built
1922
Bedrooms
9
Full Bathrooms
3
Living Area
2,898 sq ft
Total Rooms
18
Stories
3
Levels
3
Floor Layout
Interactive room guide
Floor Layout
Finished Area
2,898 sq ft above grade
Display Options
Outdoor Areas
Patio & porchEnclosed
Room Markers
BABathroom (4)
BRBedroom (5)
DDining (1)
KKitchen (1)
LLiving (2)
OOffice (1)
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:
Interior Features:
Windows:
Basement:
Partial
Laundry:
Electric Dryer Hookup
Security:
Construction & Materials
Year Built:
1922
Structure Type:
Exterior Materials:
Frame
Roof:
Shingle
Foundation:
Block
Stories:
3
Heating, Cooling & Utilities
Heating:
Cooling:
Hot Water:
Natural Gas
Water Source:
Public
Sewer:
Public Sewer
Energy Features:
Exterior & Lot
Exterior Features:
Other
Patio & Porch:
Enclosed
Fencing:
Other Structures:
Lot Features:
Corner Lot
Road Surface:
Parking & Garage
Total Parking Spaces:
6
Parking Features:
Off Street
Nearby Schools
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
Elementary Schools
10 schools
D
The Springfield Virtual School
0.5 mi
|
#330 of 346
|
Score: 26.8
Improved 7 spots from last year
-31.4 below state avg
250 students
Moderate
College Ready Curriculum
Grades PK-12
Your Educational Success Academy
1.3 mi
Grades K-12
A
Alfred G. Zanetti Montessori Magnet School
1.4 mi
|
#3 of 16
|
Score: 47.5
Improved 137 spots from last year
-10.7 below state avg
432 students
Diverse
Rising School
Grades PK-08
A+
Springfield Preparatory Charter School
1.7 mi
|
#2 of 16
|
Score: 48.6
Improved 94 spots from last year
-9.7 below state avg
486 students
Moderate
Rising School
Grades K-08
B+
Veritas Preparatory Charter School
1.7 mi
|
#10 of 25
|
Score: 34.4
Improved 341 spots from last year
-23.8 below state avg
712 students
Moderate
Early College Program
Rising School
Grades 05-12
Academy Hill School
1.8 mi
Grades PK-08
Grace Academy
1.9 mi
Grades K-12
St. Michael's Academy
2.0 mi
Grades PK-08
Pioneer Valley Christian Academy
2.5 mi
Grades PK-12
Pioneer Valley Montessori School
3.4 mi
Grades PK-06
Middle Schools
10 schools
C
John J. Duggan Middle School
1.9 mi
|
#266 of 346
|
Score: 44.7
Improved 20 spots from last year
-13.5 below state avg
823 students
Diverse
High Graduation Rate
Rising School
College Ready Curriculum
Grades 06-12
C+
STEM Middle Academy
0.6 mi
|
#12 of 16
|
Score: 26.4
Improved 298 spots from last year
-31.8 below state avg
269 students
Diverse
Rising School
Grades 06-08
C
Van Sickle Prep School
1.3 mi
|
#13 of 16
|
Score: 23.5
Improved 332 spots from last year
-34.7 below state avg
206 students
Moderate
Rising School
Grades 06-08
B-
Van Sickle Academy
1.3 mi
|
#10 of 16
|
Score: 28.3
Improved 340 spots from last year
-29.9 below state avg
262 students
Moderate
Rising School
Grades 06-08
Springfield Commonwealth Academy
1.4 mi
Grades 06-08
F
South End Middle School
1.8 mi
|
#350 of 352
|
Score: 23.5
Improved 12 spots from last year
-34.7 below state avg
163 students
Moderate
Grades 06-08
F
Forest Park Middle School
2.1 mi
|
#343 of 352
|
Score: 25.3
Improved 16 spots from last year
-32.9 below state avg
282 students
Diverse
Grades 06-08
Springfield Middle School
2.2 mi
18 students
Less Diverse
Grades 06-08
F
Springfield Public Day Middle School
2.2 mi
|
#352 of 352
|
Score: 19.6
Improved 14 spots from last year
-38.6 below state avg
60 students
Diverse
Grades 06-08
D
Springfield Legacy Academy
2.6 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
High Schools
10 schools
C
Emergence Academy
1.0 mi
|
#21 of 25
|
Score: 25.5
Improved 356 spots from last year
-32.7 below state avg
382 students
Diverse
Rising School
Diverse Student Body
Grades 06-12
C-
Conservatory of the Arts
1.2 mi
|
#303 of 346
|
Score: 37.5
Improved 2 spots from last year
-20.7 below state avg
296 students
Moderate
College Ready Curriculum
Grades 06-12
C
The Springfield Renaissance School an Expeditionary Learning School
1.3 mi
|
#274 of 346
|
Score: 44.0
Improved 7 spots from last year
-14.3 below state avg
593 students
Diverse
High Graduation Rate
College Ready Curriculum
Grades 06-12
C-
Baystate Academy Charter Public School
1.5 mi
|
#314 of 346
|
Score: 34.8
Improved 29 spots from last year
-23.5 below state avg
388 students
Moderate
Rising School
College Ready Curriculum
Grades 06-12
C-
Libertas Academy Charter School
1.6 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
F
Springfield International Academy at Sci-Tech
0.7 mi
|
#338 of 346
|
Score: 21.5
Dropped 38 spots from last year
-36.7 below state avg
95 students
Diverse
Career Tech Programs
College Ready Curriculum
Grades 09-12
C-
Springfield High School of Science and Technology
0.7 mi
|
#306 of 346
|
Score: 37.1
Improved 4 spots from last year
-21.1 below state avg
1,091 students
Moderate
13 sports
• 870 athletes
Career Tech Programs
College Ready Curriculum
Grades 09-12
A
Roger L. Putnam Vocational Technical Academy
0.7 mi
|
#6 of 25
|
Score: 48.8
Improved 257 spots from last year
-9.4 below state avg
1,382 students
Moderate
High Graduation Rate
Rising School
Career Tech Programs
College Ready Curriculum
Grades 09-12
F
Phoenix Academy Public Charter High School, Springfield
0.8 mi
|
#340 of 346
|
Score: 20.6
Improved 8 spots from last year
-37.6 below state avg
158 students
Moderate
College Ready Curriculum
Grades 09-12
B+
Gateway to College at Springfield Technical Community College
1.0 mi
|
#123 of 346
|
Score: 74.4
Same rank as last year
25 students
Moderate
College Ready Curriculum
Grades 09-12
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Monthly Payment Breakdown
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Property Tax
$385
Homeowners Insurance
$200
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Loan Summary
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Payment Over Time
Year 1
95% Interest
Year 15
50/50
Year 30
95% Principal
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Location
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Neighborhood
102-104 Cambridge St, Springfield MA 01109
Springfield, MA 01109
Listing Information
Listing Agent
Rafael Fontanez
Listing Office
Signature Realty
Office Phone
413-300-4024
Agent MLS ID
CN239150
Office MLS ID
AN8420
Listing Data Updated
Jul 25, 2026 3:05 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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