190 Oak St, Springfield MA 01151

Springfield, MA 01151 • Indian Orchard
$450,000
Est. $2,939/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
2,836
Sq Ft
$159
Price/Sq Ft
0.15
Acres
1916
Year Built
5
Parking
8
Days on Market
For Sale Open House Listed Oct 15, 2026 • MLS# 73591533 Copied! • Updated Oct 19, 2026

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Open House Schedule

24
Oct
Saturday, October 24
1:30 PM - 3:00 PM EDT

About this home

Your first home could also be your first investment! Welcome to 190 Oak Street, a three-unit property in Indian Orchard that lets you combine homeownership with long-term income potential. Perfect front yard for holiday decorating. Unit 2 is vacant, while leases for Units 1 and 3 are expiring soon, giving a new owner the opportunity to select tenants and set market rents as units become available. Units 1 and 2 feature spacious formal living rooms for setting up a TV to watch seasonal sporting games or simply entertaining. The home features wood and tile flooring throughout, dining rooms for family dinners, large eat-in kitchens with rear porch access, two bedrooms with closets, and full bathrooms with windows and tub/shower combinations. Unit 3 offers a combined living and dining area, an eat-in kitchen, and a bathroom with a shower stall. Updates include newer hot water tanks, a newer furnace, updated electrical, and professional basement air sealing and insulation after a Mass Save Home Energy Assessment. This dry basement includes separate washer/dryer connections and storage areas. Two units are lead-treated for Section 8 requirements. Spacious yard for entertainment or enjoying fall gatherings. Great investment for multigenerational or in-law living. Conveniently located near shops, parks, public transportation, Route 20, and the Mass Pike. Live in one unit and put your investment plans into motion!

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Recently Sold Nearby

Price & Status History

Property Timeline

🏠
Listed for Sale
Oct 15, 2026
$450,000
Original listing
Agent: Tanya Harvey Group Office: Keller Williams Realty

Tax History

Year Taxes Assessment
2025 $5,560 $354,600

Financial Details

Annual Property Tax
$5,560
Tax Year 2025
Assessed Value
$354,600

Facts & Features

Home Facts

Type Residential Income
Style 3 Family
Year Built 1916
Living Area 2,836 sq ft
Lot Size 0.15 acres
Stories 3
Bedrooms 6
Full Baths 3
Total Rooms 15

Investment Metrics

Units 3
Unit 1 Rent $1,550/mo · Y
Unit 2 Rent — · N
Unit 3 Rent $1,500/mo · Y
Total Monthly Rent $3,050/mo
Gross Income $18,600
Net Operating Income $18,600
Cap Rate 4.13%
Heating Natural Gas
Cooling None
Flooring Tile, Wood
Appliances Range, Refrigerator
Fireplace None
Basement Full
Laundry None
Features Pantry, Bathroom With Tub & Shower, Bathroom With Shower Stall, Living Room, Dining Room, Kitchen, Living Rm/dining Rm Combo
Construction Frame
Architecture None
Roof Shingle
Features None
Pool None
Spa None
Fencing None
Patio/Porch Porch, Enclosed
Features Off Street
Total Spaces 5
Electric Circuit Breakers
Water Public
Sewer Public Sewer
Gas None
Other None

Financial

Annual Tax $5,560
Assessed Value $354,600
Fee Includes None
Amenities None
Optional Fee Includes None
Down Payment Resource Eligible
Lead Paint Certified Treated
Seller Disclosures None
Possession None
Accepted Financing None
Structure Type []
House Color Tan
Sq Ft Source Public Record
Documents None
County Hampden
Total market time (incl. prior listings) 4 days

Property Overview

Property Type
3 Family
Listing Type
For Sale
Year Built
1916
Bedrooms
6
Full Bathrooms
3
Living Area
2,836 sq ft
Total Rooms
15
Stories
3
Levels
3

Floor Layout

Interior Features

Flooring: Tile, Wood
Appliances: Range, Refrigerator
Interior Features: Pantry, Bathroom With Tub & Shower, Bathroom with Shower Stall, Living Room, Dining Room, Kitchen, Living RM/Dining RM Combo
Windows: Picture Window
Basement: Full
Laundry:
Security:

Construction & Materials

Year Built: 1916
Structure Type:
Exterior Materials: Frame
Roof: Shingle
Foundation: Brick/Mortar
Stories: 3

Utilities & Systems

Heating: Natural Gas
Cooling: None
Hot Water:
Water Source: Public
Sewer: Public Sewer
Energy Features:

Exterior & Lot

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

Parking & Garage

Total Parking Spaces: 5
Parking Features: Off Street

Nearby Schools

School information not available for this location.

Monthly Payment Calculator

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Loan Amount
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After down payment
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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 $463
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
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+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.

Location

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Neighborhood

Indian Orchard

190 Oak St, Springfield MA 01151

Springfield, MA 01151

Listing Information

Listing Agent Tanya Harvey Group
Listing Office Keller Williams Realty
Office Phone 413-565-5478
Agent MLS ID TM329844
Office MLS ID M95273
Listing Data Updated Oct 19, 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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