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20 Cottage St, West Springfield MA 01089

$699,900

Estimated $1,482.63/month Calculator

Multi Family

Total Units: 3

Price Per Unit: $233,300

Total Rent: 0/year

Estimated CAP Rate: -0.60%

9 Bedrooms

3 Full Baths

3,453 SqFt

Total Parking: 5

4,000 SqFt

GET READY TO BE IMPRESSED by this fully vacant, newly renovated three-family property - a rare turnkey opportunity for an owner-occupant or investor. Nearly brand new from top to bottom, this property features a new roof, siding, electrical, plumbing, HVAC systems, windows, driveway and more (APO). All three units have been completely renovated, offering three bedrooms each, energy-efficient mini splits, spacious kitchens with stainless steel appliances and quartz countertops, and beautifully tiled bathrooms with walk-in showers. Luxury vinyl plank flooring runs throughout each unit. Every unit includes a convenient laundry closet off the kitchen with stainless steel washer/dryer combo units. The first floor unit is ADA friendly. Additional highlights include solid closet shelving, abundant recessed lighting and a renovated basement with four new secure storage closets for owner and tenant use. This property truly is a gem - schedule your showing today!!

This home has been viewed 8 times

Last Checked: February 14th, 2026 at 6:58pm (Source: MLS PIN #73477160)

Gross Income: $0

Gross Expenses: $4,173

Net Income Calc: $4,173

CAP Rate: -0.60%

Annual Expenses for 20 Cottage St, West Springfield MA 01089

Total Gross Expenses (Calculated)$4,173/year

APOD AvailableNo

Heating

Electricity

Water

Gas

Insurance

Sewer

Trash Removal

Repair & Maintenance

Management

Miscellaneous

Real Estate Tax$4,173

Annual Income & Unit Breakdown for 20 Cottage St, West Springfield MA 01089

Total Gross Income (Calculated)$0

Unit 1

Rental Income$0

LeaseN

Bedrooms3

Bathrooms1 Full

Floor1

Levels in Unit1

HeatingYes

Rent Includes

Unit 2

Rental Income$0

LeaseN

Bedrooms3

Bathrooms1 Full

Floor2

Levels in Unit1

HeatingYes

Rent Includes

Unit 3

Rental Income$0

LeaseN

Bedrooms3

Bathrooms1 Full

Floor3

Levels in Unit1

HeatingYes

Rent Includes

General Information for 20 Cottage St, West Springfield MA 01089

Listing ID73477160

Property TypeMulti Family / 3 Family

Price$699,900 ($202.69/SqFt)

Style3 Family - 3 Units Up/down

CityWest Springfield

CountyHampden

MLS Area

Neighborhood(s)

Approximate Living Area Total3,453 SqFt

Approximate Lot Size (Acres)0.09 acres

Total Parking5

Garage Parking

Year Built1900

Year Built SourcePublic Records

Year Renovated

Year Built DetailsActual,Renovated Since

Water

Sewer

Electric

Hot Water

Roof Material

Basement

Construction MaterialsFrame

Lot FeaturesLevel

Foundation Area

Foundation DescriptionBrick/Mortar

Accessible Features

Outdoor SpacePorch

ZoningRC

Zoning Details

Water ViewsNo

Water Views Features

WaterfrontNo

Waterfront Features

Energy FeaturesScreens, Insulated Windows

Terms

Disclosures for 20 Cottage St, West Springfield MA 01089

Lead Paint

UFFI

Living Area Includes BasementNo

Living Area Disclosure

Building Area SourcePublic Records

Title 5

Exclusions

Disclosures

Financial Data Source

Total Gross Expenses By Broker$0

Total Gross Income By Broker$0

Total Net Income By Broker$0

For Sale By OwnerNo

Short Sale / Forclosure (Bank Owned)

Buyer Agent Compensation

Facilitator Compensation

Sub-Agent Compensation

Compensation Based On

Financial Information for 20 Cottage St, West Springfield MA 01089

Real Estate Taxes$4,173

Tax Year2025

Assessed Value$280,600

Financial Data Source

Total Gross Expenses By Broker$0

BostonRealEstate.com Gross Expenses

Total Gross Income By Broker$0

BostonRealEstate.com Gross Income

Total Net Income By Broker$0

BostonRealEstate.com Gross NOI

CAP Rate (based on Broker info)

CAP Rate (BostonRealEstate.com)-0.60%

Location Information for 20 Cottage St, West Springfield MA 01089

Elementary School

Middle School

High School

Neighborhood(s)

MLS Area

Area AmenitiesHighway Access, House Of Worship, Public School, Shopping, Park, Medical Facility, Laundromat, Public Transportation, Sidewalks

Contact Information for 20 Cottage St, West Springfield MA 01089

Agent

Name: Christina Santos Pietras

Office

Name: Naples Realty Group

Phone: 413-650-1314

Payment Calculator

, Interest

Property Taxes 347.75

Principal & Interest 4312.56

HOA Dues $0

Term

Interest

Home Price

Down Payment

Exclusive Listing Agent

Naples Realty Group

Christina Santos Pietras

Agent Phone

Office Phone

(413) 650-1314

Text Agent Call Agent Call Office

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EXIT

Active

20 Cottage St, West Springfield MA 01089

$699,900

Annual Expenses for 20 Cottage St, West Springfield MA 01089

Annual Income & Unit Breakdown for 20 Cottage St, West Springfield MA 01089

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Financial Information for 20 Cottage St, West Springfield MA 01089

Location Information for 20 Cottage St, West Springfield MA 01089

Contact Information for 20 Cottage St, West Springfield MA 01089

Agent

Office

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Exclusive Listing Agent

Naples Realty Group

Christina Santos Pietras