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86 Amherst St, Springfield, MA, 01109

7beds
3baths
2,276sqft
$399,999
$176price/sqft
$3,278/moest. monthly cost
$131,120/yrincome needed

About This Home

Elegant, Fully Remodeled Victorian Home | 7 Bedrooms • 3 Bathrooms, A perfect blend of classic charm & modern amenities. This stunning Victorian home has been thoughtfully renovated, preserving its original character while incorporating significant upgrades to offer comfort, style & peace of mind. 7 bedrooms * 3 fully remodeled bathrooms * New kitchen with elegant quartz countertops * Brand-new electrical system * New plumbing * New roof * New water heater * Restored natural wood flooring * Porcelain-tiled showers * Recessed LED lighting * Most windows & doors replaced. Freshly painted exterior. The layout offers spacious, light-filled rooms, high ceilings, original architectural details & a spectacular wrap-around porch highlingting the Victorian style. Located in the historic McKnight neighborhood. Surrounded by beautiful Victorian homes & just mins from amenities such as: Six Flags - MGM & More. Ideal for a large family or a buyer seeking a home with excellent investment potential.

Getting Around

61
WalkingSomewhat Walkable
50
TransitGood Transit
58
BikeBikeable

Schools

6/10
Alfred G Zanetti SchoolGrades PK-81.0 mi
3/10
STEM Middle AcademyGrades 6-80.9 mi

Construction

Condition

  • Year built: 1892

Materials

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

Type & Style

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

Interior

Appliances

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

Basement

  • Has basement: Yes
  • Basement: Full,Interior Entry,Bulkhead,Dirt Floor,Unfinished

Bedrooms & Bathrooms

  • Bedrooms: 7
  • Bathrooms: 3
  • Full bathrooms: 3

Features

  • Flooring: Vinyl,Hardwood
  • Number of fireplaces: 2
  • Fireplace: Yes
  • Finished area above ground: 2,276

Heating & Cooling

  • Heating features: Forced Air,Natural Gas
  • Cooling features: Window Unit(s)

Interior Area

  • Total structure area: 2,276
  • Total interior livable area: 2,276 sqft

Property

Details

  • Parcel number: S:00410 P:0010,2571187
  • Zoning: R1

Features

  • Fencing: Fenced/Enclosed

Lot

  • Lot size: 4,670 sqft

Parking

  • Total spaces: 2
  • Parking features: Off Street
  • 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

  • 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 $2,022$24,264
Home Insurance *$291$3,492
Property Taxes $517$6,204
Electricity $448$5,385
Total$3,278$39,336
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$112,388/yr
40% on housing$98,340/yr
45% on housing$87,413/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

$176This listing

vs Other Active Listings

Avg $/sqft

ZIP 01109$150
Hampden County$187

vs Homes Sold Last Month

Median $/sqft

ZIP 01109$202
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
2026-07-30Price change$399,999
2026-07-09Listed for sale$409,999
2025-09-25Sold$230,000
2025-08-23Contingent$249,000
2025-08-12Price change$249,000
2025-07-16Listed for sale$259,000
1999-03-23Sold$27,600
1987-06-30Sold$63,000

For Sale by Agent

AgentDave White
BrokerageOwnerEntry.com

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