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23 Elliot St, Chicopee, MA, 01020

2beds
1baths
1,115sqft
$298,000
$267price/sqft
$2,377/moest. monthly cost
$95,080/yrincome needed

About This Home

Classic Charm. Large Lot. Endless Potential. If you've been searching for a home with genuine character, this beautifully maintained 1925 gem is one you won't want to miss. Featuring 2 comfortable bedrooms, 1 full bath, and a spacious basement, this home offers the perfect blend of historic charm and everyday functionality. Original character pairs beautifully with bright, welcoming living spaces that feel warm, inviting, and ready to make your own. One of the property's standout features is the exceptionally large lot, providing endless opportunities to entertain, garden, expand, or simply enjoy having room to breathe. Whether you envision backyard gatherings, a fire pit under the stars, a workshop, or future outdoor projects, the possibilities are wide open. The full basement offers valuable additional space for storage, hobbies, a home gym, or future finishing, adding flexibility to fit your lifestyle. Conveniently located near shopping, dining, parks, schools, and major commuter routes, this home delivers both charm and convenience in one package. Homes with this much character, outdoor space, and potential are becoming increasingly difficult to find. Whether you're a first-time homebuyer, an investor, or simply someone who appreciates the craftsmanship of a bygone era, this property is an exceptional opportunity. Come experience the warmth, charm, and possibilities for yourself. Schedule your private showing today before this one is gone.

Getting Around

4
WalkingCar-Dependent
36
TransitSome Transit
45
BikeSomewhat Bikeable

Schools

4/10
BarryGrades K-51.6 mi
4/10
Bellamy Middle SchoolGrades 6-81.5 mi

Construction

Condition

  • Year built: 1920

Materials

  • Roof: Asphalt

Type & Style

  • Home type: SingleFamily

Interior

Bedrooms & Bathrooms

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

Heating

  • Heating features: Forced air,Gas

Interior Area

  • Total interior livable area: 1,115 sqft

Property

Details

  • Parcel number: CHICM0053P00021

Features

  • Exterior features: Other

Lot

  • Lot size: 7,405 sqft

Parking

  • Parking features: Garage - Attached

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

No climate risk data available.

How This Home’s Risks Compare

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 $1,506$18,072
Home Insurance *$142$1,704
Property Taxes $375$4,500
Electricity $354$4,259
Total$2,377$28,524
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$81,497/yr
40% on housing$71,310/yr
45% on housing$63,386/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

$267This listing

vs Other Active Listings

Avg $/sqft

ZIP 01020$161
Hampden County$187

vs Homes Sold Last Month

Median $/sqft

ZIP 01020$234
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)

No zestimate history available

Price History

DateEventPrice
2026-07-05Listed for sale$298,000
1999-02-05Sold$77,000

For Sale by Owner

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