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14 Center St, Holyoke, MA, 01040

2beds
2baths
1,479sqft
$235,000
$159price/sqft
$1,999/moest. monthly cost
$79,960/yrincome needed

About This Home

Let's real estate! Beautifully renovated home that perfectly blends comfort, style, and affordability. This move-in-ready property offers 2 bedrooms, 1.5 bathrooms, plus a spacious finished attic room currently being used as a primary bedroom, providing flexible space for your needs. Refreshed just last year, this townhouse features new flooring, fresh interior paint, updated doors, modern kitchen cabinetry, and premium GE Café smart appliances, creating a sleek and functional living space. Whether you're preparing meals in the stylish kitchen or relaxing in one of the generously sized rooms, you'll appreciate the thoughtful updates throughout. If you're looking for a home that offers low-maintenance living without sacrificing comfort, this is the one! Conveniently located near local amenities, shopping, schools, downtown and major routes, 14 Center Street is an excellent opportunity for first-time homebuyers, downsizers, or anyone seeking a turnkey home at an affordable price in the great city of Holyoke! Come on out & let's real estate, TOGETHER!

Getting Around

78
WalkingVery Walkable
53
TransitGood Transit
50
BikeBikeable

Schools

2/10
Kelly Elementary SchoolGrades PK-50.4 mi
2/10
Holyoke High SchoolGrades 9-121.4 mi

Construction

Condition

  • Year built: 1920

Materials

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

Type & Style

  • Home type: SingleFamily
  • Architectural style: Other (See Remarks)
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Gas Water Heater,Range,Dishwasher,Microwave,Refrigerator
  • Laundry features: Electric Dryer Hookup,Washer Hookup

Basement

  • Has basement: Yes
  • Basement: Unfinished

Bedrooms & Bathrooms

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

Features

  • Walk-up Attic
  • Flooring: Vinyl
  • Finished area above ground: 1,479

Heating & Cooling

  • Heating features: Electric Baseboard,Floor Furnace
  • Cooling features: Window Unit(s)

Interior Area

  • Total structure area: 1,479
  • Total interior livable area: 1,479 sqft

Property

Details

  • Parcel number: M:0037 B:0003 L:0019,2530826
  • Attached to another structure: Yes
  • Zoning: DR

Features

  • Exterior features: Fenced Yard
  • Fencing: Fenced

Lot

  • Lot size: 1,612 sqft
  • Features: Other

Parking

  • Total spaces: 2
  • Parking features: 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

  • Ice Storm
    Ice StormModerate

How This Home’s Risks Compare

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 $1,188$14,256
Home Insurance *$114$1,368
Property Taxes $343$4,116
Electricity $354$4,259
Total$1,999$23,988
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$68,537/yr
40% on housing$59,970/yr
45% on housing$53,306/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

$159This listing

vs Other Active Listings

Avg $/sqft

ZIP 01040$153
Hampden County$187

vs Homes Sold Last Month

Median $/sqft

ZIP 01040$178
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
2026-07-23Listed for sale$235,000
2016-08-12Sold$31,800

For Sale by Agent

AgentArmando Olivares
BrokerageColdwell Banker Realty - Western MA

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