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434 College Hwy, Southwick, MA, 01077

5beds
3baths
2,298sqft
$499,000
$217price/sqft
$3,798/moest. monthly cost
$151,920/yrincome needed

About This Home

Charming post-and-beam antique Colonial set on 2.5 scenic acres, offering a unique blend of historic character and modern updates. This spacious 10-room home features 5 bedrooms and 3 full baths, including a versatile first-floor primary suite that can serve as a bedroom, family room, or office with attached laundry and full bath. Recent improvements include a brand-new septic system, new roof, updated 200-amp electrical service, new HVAC with central air, a completely renovated kitchen, and three new bathrooms. Original wood details add warmth and authenticity throughout. The 2nd floor features the original wide plank floors, and an additional laundry in the large bath.The property also includes a classic post-and-beam barn ready for restoration, ideal for hobbyists or equestrian use (horses permitted). Enjoy peaceful surroundings with a brook in the backyard attracting local wildlife. A rare opportunity to own a thoughtfully updated antique home with room to make it your own.

Getting Around

32
WalkingCar-Dependent
0
TransitVery Limited Transit
14
BikeSomewhat Bikeable

Schools

5/10
Powder Mill SchoolGrades 3-61.3 mi
--

Construction

Condition

  • Year built: 1800

Materials

  • Foundation: Stone
  • Roof: Shingle
  • Construction materials: Post & Beam

Type & Style

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

Interior

Appliances

  • Appliances included: Water Heater,Range,Dishwasher,Microwave,Refrigerator
  • Laundry features: Flooring - Hardwood,Main Level,Electric Dryer Hookup,Exterior Access,Washer Hookup,First Floor

Basement

  • Has basement: Yes
  • Basement: Dirt Floor,Unfinished

Bathroom1

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

Bathroom2

  • Features: Bathroom - Full, Bathroom - Tiled With Tub & Shower, Flooring - Vinyl, Remodeled
  • Level: Second

Bathroom3

  • Features: Bathroom - Full, Bathroom - Tiled With Shower Stall, Flooring - Vinyl, Countertops - Stone/Granite/Solid, Dryer Hookup - Electric, Remodeled, Washer Hookup
  • Level: Second

Bedroom2

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

Bedroom3

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

Bedroom4

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

Bedroom5

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

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 3
  • Full bathrooms: 3
  • Main level bathrooms: 1
  • Main level bedrooms: 1

Dining Room

  • Features: Beamed Ceilings, Closet/Cabinets - Custom Built, Flooring - Hardwood, French Doors, Lighting - Overhead
  • Level: First

Features

  • Beamed Ceilings,Wainscoting,Decorative Molding,Office,Foyer
  • Door features: French Doors
  • Window features: Insulated Windows
  • Flooring: Wood,Tile,Flooring - Hardwood
  • Number of fireplaces: 1
  • Fireplace features: Living Room
  • Fireplace: Yes
  • Finished area above ground: 2,298

Heating & Cooling

  • Heating features: Forced Air,Propane
  • Cooling features: Central Air

Interior Area

  • Total structure area: 2,298
  • Total interior livable area: 2,298 sqft

Kitchen

  • Features: Beamed Ceilings, Flooring - Stone/Ceramic Tile, Window(s) - Picture, Pantry, Countertops - Stone/Granite/Solid, Kitchen Island, Cabinets - Upgraded, Exterior Access, Recessed Lighting, Remodeled, Stainless Steel Appliances
  • Level: First

Living Room

  • Features: Closet/Cabinets - Custom Built, Flooring - Hardwood, French Doors, Window Seat
  • Level: First

Master Bathroom

  • Features: Yes

Master Bedroom

  • Features: Bathroom - Full, Closet, Flooring - Hardwood, Exterior Access, Decorative Molding
  • Level: Main,First

Office

  • Level: First

Property

Details

  • Parcel number: M:101 B:000 L:002,3594754
  • Zoning: AC

Features

  • Patio & porch: Porch
  • Exterior features: Porch,Barn/Stable,Horses Permitted
  • On waterfront: Yes
  • Waterfront features: Waterfront,Creek
  • Horses can be raised: Yes

Lot

  • Lot size: 2.50 Acres
  • Features: Cleared

Parking

  • Total spaces: 8
  • Parking features: Off Street
  • Uncovered spaces: 8

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

  • Inland Flooding
    Inland FloodingRelatively High
  • Cold Wave
    Cold WaveModerate
  • Drought
    DroughtModerate
  • Hurricane
    HurricaneModerate
  • Ice Storm
    Ice StormModerate
  • Strong Wind
    Strong WindModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Inland Flooding
Cold Wave
Drought
Hurricane
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 $2,523$30,276
Home Insurance *$175$2,100
Property Taxes $647$7,764
Electricity $453$5,437
Total$3,798$45,576
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$130,217/yr
40% on housing$113,940/yr
45% on housing$101,280/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

$217This listing

vs Other Active Listings

Avg $/sqft

ZIP 01077$245
Hampden County$187

vs Homes Sold Last Month

Median $/sqft

ZIP 01077$246
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
2026-05-05Listed for sale$499,000
2025-01-17Sold$153,300
2024-12-11Contingent$184,000
2024-12-05Listed for sale$184,000
2024-11-26Contingent$184,000
2024-11-18Price change$184,000
2024-11-12Price change$199,000
2024-10-18Price change$219,000
2024-10-03Price change$229,700
2024-09-20Price change$235,700
2024-09-10Price change$247,700
2024-08-23Listed for sale$270,700

For Sale by Agent

AgentKempf-Vanderburgh Realty Consultants, Kempf-Vanderburgh Realty Consultants, Inc., Alice Kempf
BrokerageKempf-Vanderburgh Realty Consultants, Inc.

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