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21 Westford Cir, Springfield, MA, 01109

3beds
1baths
1,592sqft
$274,900
$173price/sqft
$2,298/moest. monthly cost
$91,920/yrincome needed

About This Home

Welcome home. This wonderful home has an open and inviting feel throughout. The fenced in yard will keep pets from escaping and makes for a safe yard. The two car garage will keep the elements off the vehicles and is great dry space for extra storage. There are two pave driveways for plenty of off street parking. The first floor will be an entertainers dream. There is a very large eat in Kitchen with a Butler's Pantry and a very large Dining Room and very large Living room with an awesome fireplace. One could host parties with roaring fires or add a pellet stove to knock down the heating bills. All three Bedrooms and a big bathroom are on the upper level. All bedrooms have ceiling fans and one has a walk in closet. The attic offers an opportunity for future finished space and could be a great playroom. The basement has plenty of storage space andis very dry. There have been many recent updates, including windows, roof, Kitchen and interior paint. This home is move in ready.

Getting Around

64
WalkingSomewhat Walkable
55
TransitGood Transit
51
BikeBikeable

Schools

Construction

Condition

  • Year built: 1920

Materials

  • Foundation: Block
  • 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,Water Heater,Range,Refrigerator
  • Laundry features: Electric Dryer Hookup,Washer Hookup

Basement

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

Bathroom1

  • Features: Bathroom - Full, Bathroom - With Tub & Shower, Flooring - Stone/Ceramic Tile
  • Level: Second

Bedroom2

  • Features: Ceiling Fan(s), Closet, Flooring - Hardwood
  • Level: Second

Bedroom3

  • Features: Ceiling Fan(s), Closet, Flooring - Hardwood
  • Level: Second

Bedrooms & Bathrooms

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

Dining Room

  • Features: Flooring - Hardwood
  • Level: First

Features

  • Closet,Entrance Foyer,Walk-up Attic
  • Window features: Insulated Windows,Screens
  • Flooring: Hardwood,Flooring - Hardwood
  • Number of fireplaces: 1
  • Fireplace features: Living Room
  • Fireplace: Yes
  • Finished area above ground: 1,592

Heating & Cooling

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

Interior Area

  • Total structure area: 1,592
  • Total interior livable area: 1,592 sqft

Kitchen

  • Features: Pantry, Countertops - Stone/Granite/Solid
  • Level: First

Living Room

  • Features: Flooring - Hardwood, Window(s) - Bay/Bow/Box, Exterior Access
  • Level: First

Master Bedroom

  • Features: Ceiling Fan(s), Walk-In Closet(s), Flooring - Hardwood
  • Level: Second

Property

Details

  • Parcel number: S:12199 P:0070,2611770
  • Zoning: R2

Features

  • Patio & porch: Porch - Enclosed
  • Exterior features: Porch - Enclosed,Rain Gutters,Screens,Fenced Yard,Garden
  • Fencing: Fenced/Enclosed,Fenced

Lot

  • Lot size: 5,401 sqft
  • Features: Corner Lot,Level

Parking

  • Total spaces: 7
  • Parking features: Detached,Garage Door Opener,Workshop in Garage,Paved Drive,Off Street,Paved
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • Has uncovered spaces: Yes
  • 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

  • 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 $1,390$16,680
Home Insurance *$199$2,388
Property Taxes $355$4,260
Electricity $354$4,259
Total$2,298$27,576
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$78,788/yr
40% on housing$68,940/yr
45% on housing$61,280/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

$173This 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
2026-05-04Price change$274,900
2025-12-19Price change$299,900
2025-11-13Listed for sale$325,000

For Sale by Agent

AgentThe Kevin Moore Group
BrokerageExecutive Real Estate, Inc.

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