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1030 Pine St, Palmer, MA, 01069

4beds
2baths
2,054sqft
$424,900
$207price/sqft
$3,388/moest. monthly cost
$135,520/yrincome needed

About This Home

This distinguished single-family residence, constructed in 1830, offers 2054 square feet of meticulously preserved living space. This property presents a unique opportunity to acquire a piece of history, thoughtfully updated for upscale contemporary living. The heart of the home features a beautifully updated kitchen, expertly designed with elegant quartz countertops, a classic farm sink, and a convenient stove-top pot filler. Storage & functionality are maximized by a spacious walk-in pantry, while a dedicated first-floor laundry room adds effortless modern convenience to the daily routine. The residence encompasses 3 generous sized bedrooms, providing ample private accommodations including a walk in closet and sitting area. Versatile 4th bedroom currently being used as a den, offers the perfect space for a home office or guest space. We invite serious inquiries to experience the unique character, and modern luxuries of this exceptional residence.

Getting Around

61
WalkingSomewhat Walkable
0
TransitVery Limited Transit
28
BikeSomewhat Bikeable

Schools

3/10
5/10
Palmer High SchoolGrades 7-121.7 mi

Construction

Condition

  • Year built: 1830

Materials

  • Foundation: Stone,Brick/Mortar
  • Roof: Shingle
  • Construction materials: Frame

Type & Style

  • Home type: SingleFamily
  • Architectural style: Victorian
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Water Heater,Range,Dishwasher,Disposal,Microwave,Refrigerator,Washer,Dryer
  • Laundry features: First Floor

Bathroom1

  • Features: Bathroom - Full
  • Level: First

Bathroom2

  • Features: Bathroom - Full
  • Level: Second

Bedroom2

  • Features: Ceiling Fan(s), Flooring - Wood
  • Level: Second

Bedroom3

  • Features: Ceiling Fan(s), Flooring - Wood
  • Level: Second

Bedroom4

  • Features: Flooring - Wood
  • Level: First

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 2
  • Full bathrooms: 2

Dining Room

  • Level: First

Features

  • Flooring: Wood,Vinyl
  • Finished area above ground: 2,054

Heating & Cooling

  • Heating features: Baseboard,Oil
  • Cooling features: None

Interior Area

  • Total structure area: 2,054
  • Total interior livable area: 2,054 sqft

Kitchen

  • Features: Flooring - Wood, Countertops - Stone/Granite/Solid, Stainless Steel Appliances, Pot Filler Faucet
  • Level: First

Living Room

  • Features: Ceiling Fan(s), Flooring - Wood
  • Level: First

Master Bedroom

  • Features: Ceiling Fan(s), Flooring - Wood
  • Level: Second

Property

Details

  • Parcel number: M:61 B:147,3147888
  • Zoning: TR

Features

  • Private pool: Yes
  • Pool features: Above Ground
  • Patio & porch: Porch,Deck - Wood
  • Exterior features: Porch,Deck - Wood,Pool - Above Ground

Lot

  • Lot size: 7,405 sqft

Parking

  • Total spaces: 2
  • Parking features: Paved Drive,Off Street
  • Has uncovered spaces: Yes
  • Uncovered spaces: 2

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Hurricane
    HurricaneModerate
  • Inland Flooding
    Inland FloodingModerate
  • Ice Storm
    Ice StormModerate

How This Home’s Risks Compare

Hurricane
Inland Flooding
Ice Storm

FEMA Declared Disasters Across Massachusetts Counties

Hurricane

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $2,148$25,776
Home Insurance *$204$2,448
Property Taxes $631$7,572
Electricity $405$4,860
Total$3,388$40,656
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$116,160/yr
40% on housing$101,640/yr
45% on housing$90,346/yr

Massachusetts FAIR Plan Programs

Massachusetts Property Insurance Underwriting Association

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 213,928Commercial: 230
Total Premiums$400.85M
Total Exposure$115.57B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 8.9%
8.9%
0%30.0%
Electricity Growth Rate10-year average: 7.9%
7.9%
0%15.0%
Property Taxes Growth Rate2-year average: -0.2%
-0.2%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$207This listing

vs Other Active Listings

Avg $/sqft

ZIP 01069$181
Hampden County$187

vs Homes Sold Last Month

Median $/sqft

ZIP 01069$220
Hampden County$227

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-08-12Contingent$424,900
2026-07-07Price change$424,900
2026-05-28Listed for sale$429,900
2021-08-19Sold$330,000
2021-07-30Pending sale$324,900
2021-07-16Contingent$324,900
2021-07-08Listed for sale$324,900

For Sale by Agent

AgentLucianne Giguere
BrokerageLandmark, REALTORS®

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