45 Middlesex St, Springfield MA 01109
Springfield, MA 01109
$399,000
$394,000
Est. $2,635/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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Open House Schedule
10
Oct
Saturday, October 10
1:00 PM - 2:00 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—
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Recently Sold Nearby
Property History
Market Insights
1
Price Changes
1.3%
Price Range
Property Timeline
Price Reduced
Oct 6, 2026
$394,000
$5,000
(-1.25%)
From $399,000 to $394,000 (-1.2%)
Back On Market
Sep 29, 2026
Active
Pending Sale
Sep 15, 2026
Offer accepted, sale pending
Listed for Sale
Sep 9, 2026
$399,000
Original listing
Agent: Patriot Living Group
Office: Lock and Key Realty Inc.
| Date | Event | Price | Change | $/sqft | Details |
|---|---|---|---|---|---|
| 10/06/2026 | ↓ Price Reduced | $394,000 | $5,000 | - | From $399,000 to $394,000 (-1.2%) |
| 09/29/2026 | • Back On Market | - | - | - | Active |
| 09/15/2026 | ⏳ Pending Sale | - | - | - | Offer accepted, sale pending |
| 09/09/2026 | 🏠 Listed for Sale | $399,000 | - | - | Original listing |
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
4.42%
Interior
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
Exterior
Construction
Frame
Architecture
None
Roof
Shingle
Features
Rain Gutters
Pool
None
Spa
None
Fencing
None
Patio/Porch
Porch, Enclosed
Parking
Features
Paved Drive, Paved
Total Spaces
2
Utilities
Electric
110 Volts
Water
Public
Sewer
Public Sewer
Gas
None
Other
None
Financial
Annual Tax
$5,316
Assessed Value
$339,000
HOA & Community
Fee Includes
None
Amenities
None
Optional Fee Includes
None
Down Payment Resource
Eligible
MA Disclosures
Lead Paint
Unknown
Seller Disclosures
All Appliances On First Floor Belong To Tenant. First Floor Tenant Is On A Month-to-month Lease.
Additional Details
Possession
None
Accepted Financing
Contract
Structure Type
[]
House Color
Yellow
Sq Ft Source
Public Record
Documents
None
County
Hampden
Total market time (incl. prior listings)
13 days
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
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
3 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
F
William N. DeBerry School
0.7 mi
|
#806 of 825
|
Score: 26.9
Improved 11 spots from last year
-31.3 below state avg
478 students
Moderate
Grades PK-05
F
Benjamin Swan Elementary
0.7 mi
|
#799 of 825
|
Score: 28.6
Improved 25 spots from last year
-29.6 below state avg
506 students
Moderate
Rising School
Grades PK-05
Middle Schools
3 schools
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
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
Springfield Commonwealth Academy
1.5 mi
Grades 06-08
High Schools
3 schools
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
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Monthly Payment Calculator
Monthly Payment
$0
Principal, interest, taxes & insurance
Loan Amount
$0
After down payment
Total Interest
$0
Over life of loan
Total Cost
$0
Including down payment
%
Down: $0
%
Monthly Payment Breakdown
Principal & Interest
$0
Property Tax
$443
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
Save $0/mo
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
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
Oct 6, 2026 9:31 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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