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23 High Bluff Rd, Belchertown, MA, 01007

4beds
3baths
2,200sqft
$629,900
$286price/sqft
$4,576/moest. monthly cost
$183,040/yrincome needed

About This Home

This brand new colonial home custom built by Ms homes has so much style. Enter the home from the large farmers porch to the cozy open floor plan feel of this home. Hardwood though out with a living room that boasts a hand built fireplace mantel and wainscoting, dining room with slider to the good sized trex deck perfect to entertain or just enjoy your morning coffee, custom kitchen with stainless appliance, granite counter tops and plenty of storage in multiple cabinets with the soft close doors and drawers. The first floor also for convenience houses a half Bath, pantry and the laundry. Travel up the custom staircase to the second floor with all the good sized bedrooms including the master bedroom with master bath en suite and walk in closet. Propane heat and ac plus all the features of new plus the. option to live in a subdivision with No hoa fees and a 1 year builders warranty.

Getting Around

7
WalkingCar-Dependent
0
TransitVery Limited Transit
1
BikeSomewhat Bikeable

Schools

--
Cold Spring SchoolGrades PK-K4.2 mi
5/10
Jabish Middle SchoolGrades 7-83.9 mi
7/10
Belchertown High SchoolGrades 9-124.2 mi

Construction

Condition

  • Year built: 2025

Materials

  • Foundation: Concrete Perimeter
  • Roof: Shingle
  • Construction materials: Frame

Type & Style

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

Interior

Appliances

  • Appliances included: Water Heater,Range,Dishwasher,Microwave,Refrigerator,Vacuum System - Rough-in
  • Laundry features: Flooring - Stone/Ceramic Tile,First Floor

Basement

  • Has basement: Yes
  • Basement: Full,Concrete

Bathroom1

  • Features: Bathroom - Half, Flooring - Stone/Ceramic Tile, Countertops - Stone/Granite/Solid, Dryer Hookup - Electric, Washer Hookup
  • Level: Main,First

Bathroom2

  • Features: Bathroom - Full, Flooring - Stone/Ceramic Tile
  • Level: Second

Bathroom3

  • Features: Bathroom - Full, Flooring - Stone/Ceramic Tile, Countertops - Stone/Granite/Solid
  • Level: Second

Bedroom2

  • Features: Closet, Flooring - Hardwood
  • Level: Second

Bedroom3

  • Features: Closet, Flooring - Hardwood
  • Level: Second

Bedroom4

  • Features: Closet, Flooring - Hardwood
  • Level: Second

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 2
  • 1/2 bathrooms: 1
  • Main level bathrooms: 1

Dining Room

  • Features: Flooring - Hardwood, Deck - Exterior, Open Floorplan, Recessed Lighting, Wainscoting
  • Level: First

Features

  • Door features: Insulated Doors
  • Window features: Insulated Windows
  • Flooring: Tile,Hardwood
  • Number of fireplaces: 1
  • Fireplace features: Living Room
  • Fireplace: Yes
  • Finished area above ground: 2,200

Heating & Cooling

  • Heating features: Forced Air,Propane
  • Cooling features: Central Air

Interior Area

  • Total structure area: 2,200
  • Total interior livable area: 2,200 sqft

Kitchen

  • Features: Flooring - Hardwood, Countertops - Stone/Granite/Solid, Kitchen Island, Open Floorplan
  • Level: First

Living Room

  • Features: Flooring - Hardwood, Open Floorplan, Wainscoting
  • Level: First

Master Bathroom

  • Features: Yes

Master Bedroom

  • Features: Bathroom - Full, Walk-In Closet(s), Flooring - Hardwood
  • Level: Second

Property

Details

  • Parcel number: 4667079
  • Zoning: r

Features

  • Patio & porch: Porch,Deck - Composite
  • Exterior features: Porch,Deck - Composite

Lot

  • Lot size: 10,463 sqft

Parking

  • Total spaces: 4
  • Parking features: Attached,Garage Door Opener,Paved Drive,Off Street,Paved
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • 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
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate

How This Home’s Risks Compare

Hurricane
Inland Flooding
Ice Storm
Lightning
Strong Wind

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 $3,185$38,220
Home Insurance *$204$2,448
Property Taxes $754$9,048
Electricity $433$5,205
Total$4,576$54,912
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$156,891/yr
40% on housing$137,280/yr
45% on housing$122,026/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: 8.8%
8.8%
0%30.0%
Electricity Growth Rate10-year average: 7.9%
7.9%
0%15.0%
Property Taxes Growth Rate2-year average: 1.8%
1.8%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$286This listing

vs Other Active Listings

Avg $/sqft

ZIP 01007$275
Hampshire County$248

vs Homes Sold Last Month

Median $/sqft

ZIP 01007$245
Hampshire County$264

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)

No zestimate history available

Price History

DateEventPrice
2026-04-27Listed for sale$649,900
2026-04-05Listing removed$649,900
2026-03-03Listed for sale$649,900
2026-03-03Listing removed$649,900
2026-01-04Listed for sale$649,900
2025-11-03Listing removed$674,900
2025-10-16Listed for sale$674,900

For Sale by Agent

AgentPatricia Joaquim
BrokerageGallagher Real Estate

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