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113 Pearl St, South Hadley, MA, 01075

3beds
3baths
1,985sqft
$898,000
$452price/sqft
$6,294/moest. monthly cost
$251,760/yrincome needed

About This Home

Nestled on a serene, private wooded lot, the proposed open-concept modern farmhouse style ranch offers the perfect balance of comfort and modern living. With 3 br, 2 full baths and 1 half bath, this home is designed for both relaxation and flow. The main living area features a large family room that complements the eat in kitchen island and dining area, creating an inviting space for entertaining. A spacious primary suite features generous walk-in closet and a sizable en-suite bathroom. Two additional bedrooms are located next to the main bath. Highlights of this plan include oversized front and back porches, gas fireplace, walk in pantry, spacious laundry room and a mud room with bench area. We would love to customize this plan to your needs or price your dream home. This lot is surrounded by forest, and borders Elmer brook offering a peaceful retreat in your back yard. Perfect for nature lovers, abutting the 3700 acre Holyoke Range.

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

  • Finish - Sheetrock,Internet Available - Broadband
  • Door features: Insulated Doors
  • Window features: Insulated Windows
  • Flooring: Tile,Carpet,Hardwood
  • Number of fireplaces: 1
  • Fireplace: Yes
  • Finished area below ground: 1,985
  • Finished area above ground: 1,985

Heating & Cooling

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

Interior Area

  • Total structure area: 1,985
  • Total interior livable area: 1,985 sqft

Master Bathroom

  • Features: Yes

Property

Details

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

Features

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

Lot

  • Lot size: 2.15 Acres
  • Features: Wooded,Level

Parking

  • Total spaces: 7
  • Parking features: Attached,Garage Door Opener,Oversized,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 $4,540$54,480
Home Insurance *$346$4,152
Property Taxes $1,017$12,204
Electricity $391$4,697
Total$6,294$75,528
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$215,794/yr
40% on housing$188,820/yr
45% on housing$167,840/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

$452This listing

vs Other Active Listings

Avg $/sqft

ZIP 01075$214
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$898,000

New Construction

AgentChristopher Kotowicz
BrokerageREMAX Connections - Belchertown

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