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213 Locust St, Holyoke, MA, 01040

3beds
2baths
2,015sqft
$299,900
$149price/sqft
$2,496/moest. monthly cost
$99,840/yrincome needed

About This Home

Built in 1900, this approximately 2,000-square-foot Colonial offers seven rooms, three bedrooms, and the warmth and character of hardwood floors throughout. The first floor features a convenient half bath with laundry, while the full bath and all three bedrooms are located on the second floor. Mostly newer windows provide a practical update while preserving the home’s classic appeal. With generous living space and a traditional Colonial layout, this home offers plenty of opportunity for its next owner to make it their own.

Getting Around

62
WalkingSomewhat Walkable
50
TransitGood Transit
41
BikeSomewhat Bikeable

Schools

1/10
H.B. Lawrence SchoolGrades PK-50.5 mi
3/10
Joseph Metcalf SchoolGrades 6-80.8 mi
2/10
Holyoke High SchoolGrades 9-120.3 mi

Construction

Condition

  • Year built: 1900

Materials

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

Type & Style

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

Interior

Appliances

  • Appliances included: Gas Water Heater,Tankless Water Heater,Range,Refrigerator,Washer,Dryer
  • Laundry features: Bathroom - Half,Bathroom - 1/4,First Floor

Basement

  • Has basement: Yes
  • Basement: Full,Interior Entry,Bulkhead

Bathroom1

  • Features: Bathroom - Half, Dryer Hookup - Electric, Washer Hookup
  • Level: First

Bathroom2

  • Features: Bathroom - With Tub & Shower
  • Level: Second

Bedroom2

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

Bedroom3

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

Bedrooms & Bathrooms

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

Dining Room

  • Features: Flooring - Hardwood
  • Level: First

Family Room

  • Features: Flooring - Hardwood
  • Level: First

Features

  • Window features: Insulated Windows
  • Flooring: Wood,Carpet
  • Number of fireplaces: 1
  • Fireplace: Yes
  • Finished area above ground: 2,015

Heating & Cooling

  • Heating features: Steam,Natural Gas
  • Cooling features: None

Interior Area

  • Total structure area: 2,015
  • Total interior livable area: 2,015 sqft

Kitchen

  • Features: Flooring - Vinyl
  • Level: First

Living Room

  • Features: Flooring - Hardwood
  • Level: First

Master Bathroom

  • Features: No

Master Bedroom

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

Property

Details

  • Parcel number: M:0077 B:0006 L:0007,2532051
  • Zoning: R-2

Features

  • Patio & porch: Porch - Enclosed
  • Exterior features: Porch - Enclosed,Fenced Yard
  • Fencing: Fenced/Enclosed,Fenced

Lot

  • Lot size: 5,502 sqft
  • Features: Level

Parking

  • Total spaces: 2
  • Parking features: Detached
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered 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

  • Cold Wave
    Cold WaveModerate
  • Hurricane
    HurricaneModerate
  • Inland Flooding
    Inland FloodingModerate
  • Ice Storm
    Ice StormModerate
  • Strong Wind
    Strong WindModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Hurricane
Inland Flooding
Ice Storm
Strong Wind
Winter Weather

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 $1,516$18,192
Home Insurance *$146$1,752
Property Taxes $437$5,244
Electricity $397$4,768
Total$2,496$29,952
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$85,577/yr
40% on housing$74,880/yr
45% on housing$66,560/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

$149This listing

vs Other Active Listings

Avg $/sqft

ZIP 01040$152
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)

No zestimate history available

Price History

DateEventPrice
2026-08-07Pending sale$299,900
2026-08-06Contingent$299,900
2026-08-02Pending sale$299,900
2026-07-16Listed for sale$299,900
2021-03-31Sold$190,000
2016-02-26Sold$166,000
2016-02-24Pending sale$175,000
2016-02-24Listed for sale$175,000
2016-01-13Listing removed$175,000
2016-01-12Pending sale$175,000
2015-10-14Price change$175,000
2015-09-30Listed for sale$179,900
2010-05-26Sold$165,500
2004-07-28Sold$135,000
2004-02-24Sold$79,900
2003-10-28Sold$50,000

For Sale by Agent

AgentThe Pioneer Group
BrokerageNextHome Elite Realty

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