79-81 Pine St, Holyoke MA 01040

Holyoke, MA 01040
$345,000
Est. $2,323/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
2
Baths
2,942
Sq Ft
$117
Price/Sq Ft
0.11
Acres
1890
Year Built
2
Parking
2 Family - 2 Units Up/Down
Type
7 hours 49 minutes
Time on Market
For Sale Listed Sep 20, 2026 • MLS# 73580091 Copied! • Updated Sep 20, 2026

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About this home

Large two family home in good condition with 6 bedrooms and 2 bath unit. Many updates including newly renovated 1st floor bath, new windows, new hot water boilers & water filtration system. This approximately 2,942-square-foot corner lot offers a flexible layout with two units and excellent potential for an owner-occupant, investor, or buyer looking for a property with multiple-use possibilities. The two-unit setup creates opportunities for rental income, live/work use, or future improvements tailored to the next owner's needs.With its convenient Pine Street location and proximity to the many amenities, services, and transportation options throughout Holyoke, this property is well positioned for someone looking to invest in the city's ongoing revitalization and growth. Property is owner occupied. Property is contingent upon seller purchasing a new home. Appliances are included. Seller is open to making few cosmetic fixes but will be sold AS IS. Electric car charging port in driveway

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Property History

Property Timeline

🏠
Listed for Sale
Sep 20, 2026
$345,000
Original listing
Office: Coldwell Banker Realty - Western MA

Tax History

Year Taxes Assessment
2026 $4,544 $260,700

Financial Details

Annual Property Tax
$4,544
Tax Year 2026
Assessed Value
$260,700

Facts & Features

Home Facts

Type Residential Income
Style 2 Family - 2 Units Up/Down
Year Built 1890
Living Area 2,942 sq ft
Lot Size 0.11 acres
Stories 2
Bedrooms 6
Full Baths 2
Total Rooms 12

Investment Metrics

Units 2
Unit 1 Rent $1,200/mo · Y
Unit 2 Rent $1,200/mo · N
Total Monthly Rent $2,400/mo
Gross Income $14,400
Net Operating Income $14,400
Cap Rate 4.17%
Heating None
Cooling None
Flooring None
Appliances None
Fireplace None
Basement None
Laundry None
Features None
Construction None
Architecture None
Roof None
Features None
Pool None
Spa None
Fencing None
Patio/Porch None
Features None
Total Spaces 2
Electric None
Water Public
Sewer Public Sewer
Gas None
Other None

Financial

Annual Tax $4,544
Assessed Value $260,700
Fee Includes None
Amenities None
Optional Fee Includes None
Lead Paint Unknown
Seller Disclosures None
Possession None
Accepted Financing None
Structure Type []
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
1890
Bedrooms
6
Full Bathrooms
2
Living Area
2,942 sq ft
Total Rooms
12
Stories
2
Levels
2

Floor Layout

Interior Features

Flooring:
Appliances:
Interior Features:
Windows:
Basement:
Laundry:
Security:

Construction & Materials

Year Built: 1890
Structure Type:
Exterior Materials:
Roof:
Foundation: Brick/Mortar
Stories: 2

Heating, Cooling & Utilities

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

Exterior & Lot

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

Parking & Garage

Total Parking Spaces: 2
Parking Features:
School District
Holyoke School District local
F
🎓 Where Graduates Go Class of 2021
36% attend college
15% 4-Year 21% 2-Year 4% Out of State 4% Working
⚠ School Safety 2024-25
12.2% Above Average
9.6% Suspensions 2.7% In-School 2.6% Emergency
↑ 6.7% above state avg
E

Elementary Schools

10 schools
Mater Dolorosa School
0.2 mi
Grades PK-08
First Lutheran School
1.2 mi
Grades PK-08
Center School/Crisis Interv & Assessment
1.4 mi
Grades PK-12
Blessed Sacrament School
1.5 mi
Grades PK-08
C-
Holyoke Community Charter School
2.0 mi | #301 of 352 | Score: 31.6
Improved 1 spots from last year
-26.6 below state avg
687 students Less Diverse
Grades K-08
F
H.B. Lawrence School
0.6 mi | #820 of 825 | Score: 24.4
Improved 16 spots from last year
-33.8 below state avg
263 students Moderate
Grades PK-05
F
Kelly Elementary School
0.8 mi | #804 of 825 | Score: 27.4
Improved 30 spots from last year
-30.8 below state avg
482 students Less Diverse
Rising School
Grades PK-05
F
Morgan Full Service Community School
1.1 mi | #816 of 825 | Score: 24.9
Improved 15 spots from last year
-33.3 below state avg
333 students Moderate
Grades PK-05
C
E.N. White Elementary School
1.2 mi | #595 of 825 | Score: 40.9
Improved 153 spots from last year
-17.3 below state avg
452 students Moderate
Rising School
Grades PK-05
D
Lt. Elmer J. McMahon Elementary School
2.6 mi | #758 of 825 | Score: 31.9
Dropped 13 spots from last year
-26.3 below state avg
282 students Moderate
Grades PK-05
M

Middle Schools

2 schools
Dr. William R. Peck Middle School
1.2 mi
501 students Moderate
Grades 06-08
F
Lt. Clayre Sullivan Elementary School
1.8 mi | #345 of 352 | Score: 24.5
Improved 22 spots from last year
-33.7 below state avg
429 students Less Diverse
Rising School
Grades 06-08
H

High Schools

4 schools
LightHouse Holyoke
0.7 mi
Grades 06-12
D
Holyoke High School
1.0 mi | #317 of 346 | Score: 34.1
Improved 40 spots from last year
-24.1 below state avg
1,485 students Less Diverse
15 sports • 722 athletes
Early College Program Rising School Career Tech Programs Strong Athletics
Grades 09-12
F
Opportunity Academy at Metcalf
1.6 mi | #335 of 346 | Score: 22.7
Improved 49 spots from last year
-35.5 below state avg
213 students Moderate
Rising School
Grades 09-12
B+
Gateway to College at Holyoke Community College
2.3 mi | #130 of 346 | Score: 74.1
Same rank as last year
28 students Moderate
College Ready Curriculum Strong Attendance
Grades 09-12
Learn about these ratings
School data provided by BMN Schools

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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 $379
Homeowners Insurance $200
PMI (if <20% down) $0

Loan Summary

Total of 360 payments $0
Total principal paid $0
Total interest paid $0

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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

79-81 Pine St, Holyoke MA 01040

Holyoke, MA 01040

Listing Information

Listing Agent Jonathan Mateo
Listing Office Coldwell Banker Realty - Western MA
Office Phone 413-567-8931
Agent MLS ID CN246347
Office MLS ID AN7885
Listing Data Updated Sep 20, 2026 5:42 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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