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10-12 Otis St, Fitchburg MA 01420

Fitchburg, MA 01420
$449,900
Est. $2,912/month
4
Beds
2
Baths
2,828
Sq Ft
$159
Price/Sq Ft
0.11
Acres
1910
Year Built
3
Parking
15
Days on Market
Pending Listed Nov 16, 2025 • MLS# 73455366 Copied! • Updated Dec 3, 2025

About this home

This well-maintained, owner-occupied two-family home has been lovingly cared for for over 20 years. Each spacious unit offers two generously sized bedrooms, a bright living room, a formal dining area, and a thoughtfully designed kitchen—all accented by beautiful hardwood floors throughout. The second-floor unit also features a pellet stove, providing a cozy secondary heat source. Step outside and enjoy four private decks, perfect for relaxing or entertaining, plus a fenced-in yard with a storage shed for added convenience. Off-street parking ensures practicality, while the location puts you close to parks, schools, shopping, highways, and downtown Fitchburg. Whether you’re looking for an investment opportunity or a home to live in while generating rental income, this property checks all the boxes. All utilities separate. Don’t miss your chance to own this gem!

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Property History

Market Insights

Property Timeline

🏠
Listed for Sale
Nov 16, 2025
$449,900
Original listing
Agent: Matthew Straight Office: Coldwell Banker Realty - Leominster
🏠
Listed for Sale
Nov 16, 2025
$449,900
Original listing
Agent: Matthew Straight Office: Coldwell Banker Realty - Leominster

Tax History

Year Taxes Assessment
2025 $5,245 $388,200

Financial Details

Annual Property Tax
$5,245
Tax Year 2025
Assessed Value
$388,200

Facts & Features

Home Facts

Type Residential Income
Style Multi Family
Year Built 1910
Living Area 2,828 sq ft
Lot Size 0.11 acres
Bedrooms 4
Full Baths 2
Total Rooms 12

Investment Metrics

Units 2
Unit 1 Rent $2,000/mo · N
Unit 2 Rent $2,000/mo · N
Total Monthly Rent $4,000/mo
Gross Income $48,000
Net Operating Income $48,000
Cap Rate 10.67%
Heating Hot Water, Pellet Stove
Cooling Window Unit(s)
Flooring Wood, Hardwood
Appliances Range, Refrigerator, Washer, Dryer
Fireplace None
Basement Interior Entry, Bulkhead, Dirt Floor, Unfinished
Laundry Washer Hookup, Dryer Hookup
Features Pantry, Bathroom With Shower Stall, Walk-up Attic, Living Room, Dining Room, Kitchen, Laundry Room
Construction Frame
Architecture None
Roof Rubber
Features Balcony/deck
Pool None
Spa None
Fencing Fenced/enclosed, Fenced
Patio/Porch Porch, Deck - Wood
Features Paved Drive, Off Street, Paved
Total Spaces 3
Electric Circuit Breakers, Knob & Tube Wiring
Water Public
Sewer Public Sewer
Gas None
Other For Gas Range

Financial

Annual Tax $5,245
Assessed Value $388,200
Fee Includes None
Amenities None
Optional Fee Includes None
Seller Disclosures Owners Live In Both Units. Apartments Will Be Empty By Closing Day.
Possession None
Accepted Financing Contract
Structure Type []
House Color grey
Sq Ft Source Public Record
Documents None
County Worcester
Total market time (incl. prior listings) 17 days

Property Overview

Property Type
Multi Family
Listing Type
For Sale
Year Built
1910
Bedrooms
4
Full Bathrooms
2
Living Area
2,828 sq ft
Total Rooms
12
Stories
2
Levels
2

Room Details

Other Floor

Bathroom1
Bedroom5
Bedroom4
Bedroom3
Dining Room
Kitchen
Bathroom2
Bedroom2
Living Room
Bathroom3
Master Bedroom
Office
Family Room
Master Bathroom

Interior Features

Flooring: Wood, Hardwood
Appliances: Range, Refrigerator, Washer, Dryer
Interior Features: Pantry, Bathroom with Shower Stall, Walk-Up Attic, Living Room, Dining Room, Kitchen, Laundry Room
Windows: Insulated Windows
Basement: Interior Entry, Bulkhead, Dirt Floor, Unfinished
Laundry: Washer Hookup, Dryer Hookup
Security:

Construction & Materials

Year Built: 1910
Structure Type:
Exterior Materials: Frame
Roof: Rubber
Foundation: Stone
Stories: 2

Heating, Cooling & Utilities

Heating: Hot Water, Pellet Stove
Heating Zones: 2
Cooling: Window Unit(s)
Hot Water: Natural Gas, Tank
Water Source: Public
Sewer: Public Sewer
Energy Features:

Exterior & Lot

Exterior Features: Balcony/Deck
Patio & Porch: Porch, Deck - Wood
Fencing: Fenced/Enclosed, Fenced
Other Structures: Shed(s)
Lot Features:
Road Surface:

Parking & Garage

Total Parking Spaces: 3
Parking Features: Paved Drive, Off Street, Paved

Nearby Schools

School information not available for this location.

Monthly Payment Calculator

Monthly Payment
$0
Principal, interest, taxes & insurance
Loan Amount
$0
After down payment
Total Interest
$0
Over life of loan
Total Cost
$0
Including down payment
%
Down: $0
%

Monthly Payment Breakdown

Principal & Interest $0
Property Tax $437
Homeowners Insurance $200
PMI (if <20% down) $0

Loan Summary

Total of 360 payments $0
Total principal paid $0
Total interest paid $0

Rate Impact

-0.5% Rate
$0/mo
Save $0/mo
Current Rate
$0/mo
+0.5% Rate
$0/mo
Cost $0/mo

Payment Over Time

Interest
Principal
Year 1
95% Interest
Year 15
50/50
Year 30
95% Principal
* Estimates only. Actual payments may vary. Consult with a lender for accurate figures.

Location

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Neighborhood

10-12 Otis St, Fitchburg MA 01420

Fitchburg, MA 01420

Listing Information

Listing Agent Matthew Straight
Listing Office Coldwell Banker Realty - Leominster
Office Phone 978-840-4014
Agent MLS ID CT007758
Office MLS ID AN6215
Listing Data Updated Dec 3, 2025 3:05 AM EST
Listing information is deemed reliable but not guaranteed. Data provided by MLS Property Information Network, Inc. All information should be independently verified.

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