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125 Pearl St, South Hadley, MA, 01075

3beds
3baths
2,298sqft
$997,000
$434price/sqft
$7,007/moest. monthly cost
$280,280/yrincome needed

About This Home

125 Pearl Street is a blank slate, ready to welcome your personal touch. The proposed residence includes three bedrooms as well as an office, optional finished bonus room above the garage, and a deck off the back of the main living area provides ample spaces for rest and rejuvenation. Imagine waking each morning in your private haven, ready to embrace the day ahead. Two full bathrooms and one-half bathroom provide convenience and comfort for both residents and guests. A larger two-vehicle garage has ample room for storage. The front porch presents a welcoming entrance to the open concept living area. With a generous 2298 square feet of living area situated on a sprawling 2.25 acre lot, this proposed plan can be modified or if it's not to your liking we can work with you on your own plan. Explore nature daily with access to Lithia Springs trail, Elmer Brook and the Holyoke Range from your backyard. This South Hadley address is more than just a building lot, it's tranquil.

Getting Around

15
WalkingCar-Dependent
0
TransitVery Limited Transit
10
BikeSomewhat Bikeable

Schools

5/10
5/10
South Hadley High SchoolGrades 9-124.0 mi
3/10
Mosier Elementary SchoolGrades 2-42.8 mi

Construction

Condition

  • New construction: Yes
  • Year built: 2025

Materials

  • Foundation: Concrete Perimeter
  • Roof: Shingle
  • Construction materials: Conventional (2x4-2x6)

Type & Style

  • Home type: SingleFamily
  • Architectural style: Ranch,Farmhouse
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Water Heater,Tankless Water Heater,Plumbed For Ice Maker
  • Laundry features: Electric Dryer Hookup,Washer Hookup

Basement

  • Has basement: Yes
  • Basement: Full

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 3
  • Full bathrooms: 2
  • 1/2 bathrooms: 1

Features

  • Central Vacuum,Finish - Sheetrock,Internet Available - Broadband
  • Door features: Insulated Doors
  • Window features: Insulated Windows
  • Flooring: Vinyl,Carpet,Hardwood
  • Number of fireplaces: 1
  • Fireplace: Yes
  • Finished area above ground: 2,298

Heating & Cooling

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

Interior Area

  • Total structure area: 2,298
  • Total interior livable area: 2,298 sqft

Master Bathroom

  • Features: Yes

Property

Details

  • Zoning: r1
  • Exclusions: Forested Timber And Excess Soils To Be Removed As Per Builder.

Features

  • Levels: Multi/Split
  • Patio & porch: Porch,Deck - Composite,Covered
  • Exterior features: Porch,Deck - Composite,Covered Patio/Deck
  • Has view: Yes
  • View description: Scenic View(s),Water,Creek/Stream
  • Has water view: Yes
  • Water view: Creek/Stream,Water
  • Waterfront features: River,Beach Ownership(Public)

Lot

  • Lot size: 2.25 Acres
  • Features: Wooded,Level

Parking

  • Total spaces: 7
  • Parking features: Attached,Off Street
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • Uncovered spaces: 5

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

  • Strong Wind
    Strong WindModerate

How This Home’s Risks Compare

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 $5,041$60,492
Home Insurance *$384$4,608
Property Taxes $1,129$13,548
Electricity $453$5,437
Total$7,007$84,084
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$240,240/yr
40% on housing$210,210/yr
45% on housing$186,853/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

$434This listing

vs Other Active Listings

Avg $/sqft

ZIP 01075$215
Hampshire County$247

vs Homes Sold Last Month

Median $/sqft

ZIP 01075$254
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
2025-11-21Listed for sale$997,000

New Construction

AgentChristopher Kotowicz
BrokerageREMAX Connections - Belchertown

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