103 Ash Street, Gardner MA 01440
Gardner, MA 01440
$389,900
Est. $2,555/month
Estimate assumptions
20% down, a 30-year loan at 6.5%, and $200/month estimated insurance.
Includes the supplied property-tax and HOA inputs; missing inputs contribute $0. HOA fees with an unspecified frequency are treated as monthly. PMI and closing costs are excluded.
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Open House Schedule
12
Sep
Saturday, September 12
11:30 AM - 1:00 PM EDT
About this home
This generous size two family offers 2177 square feet of living area and over a half acre of land. The first floor boasts 3 bedrooms, an oversized eat in kitchen, a laundry room, full bath with walk in tub, and a living room adorned with vaulted ceiling complemented with a ceiling fan and skylights. There is also a large deck off the kitchen for enjoying the nice weather. The second floor offers 2 or 3 bedrooms, a full bath with laundry hookups, and a large eat in kitchen with a peninsula overlooking the living room with it's vaulted ceiling with skylight and ceiling fan. Completely separate entrances are a nice feature, as well as the two stall garage, used for one car and a workshop/storage area. Stop by the open house on Saturday, 9/12, from 11:30 to 1pm to see if this could be your next home or investment.
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Recently Sold Nearby
Property History
Property Timeline
Listed for Sale
Sep 10, 2026
$389,900
Original listing
Agent: Brenda Cormier
Office: RE/MAX Vision
| Date | Event | Price | Change | $/sqft | Details |
|---|---|---|---|---|---|
| 09/10/2026 | 🏠 Listed for Sale | $389,900 | - | - | Original listing |
Tax History
| Year | Taxes | Assessment |
|---|---|---|
| 2026 | $4,607 | $334,600 |
Financial Details
Annual Property Tax
$4,607
Tax Year 2026
Assessed Value
$334,600
Facts & Features
2 Car Garage
Home Facts
Type
Residential Income
Style
2 Family - 2 Units Up/Down
Year Built
1900
Living Area
2,177 sq ft
Lot Size
0.56 acres
Stories
2
Bedrooms
5
Full Baths
2
Total Rooms
11
Investment Metrics
Units
2
Unit 1 Rent
— · N
Unit 2 Rent
— · N
Interior
Heating
Baseboard, Natural Gas, Floor Furnace
Cooling
None
Flooring
Tile, Vinyl, Carpet, Laminate
Appliances
Range, Disposal, Refrigerator, Other, Dishwasher
Fireplace
None
Basement
Full, Interior Entry, Concrete
Laundry
Washer Hookup, Dryer Hookup, Electric Dryer Hookup
Features
Ceiling Fan(s), Bathroom With Tub & Shower, Open Floorplan, Living Room, Kitchen, Laundry Room, Office/den
Exterior
Construction
Frame
Architecture
None
Roof
Shingle
Features
None
Pool
None
Spa
None
Fencing
None
Patio/Porch
Deck
Parking
Garage Spaces
2
Has Garage
Yes
Features
Paved Drive, Off Street
Total Spaces
4
Utilities
Electric
Circuit Breakers
Water
Public
Sewer
Public Sewer
Gas
None
Other
For Electric Range, For Electric Dryer, Washer Hookup
Financial
Annual Tax
$4,607
Assessed Value
$334,600
HOA & Community
Fee Includes
None
Amenities
None
Optional Fee Includes
None
MA Disclosures
Lead Paint
Unknown
Seller Disclosures
None
Additional Details
Possession
None
Accepted Financing
None
Structure Type
[]
Sq Ft Source
Public Record
Documents
None
County
Worcester
Property Overview
Property Type
2 Family - 2 Units Up/Down
Listing Type
For Sale
Year Built
1900
Bedrooms
5
Full Bathrooms
2
Living Area
2,177 sq ft
Total Rooms
11
Stories
2
Levels
2
Floor Layout
Interactive room guide
Floor Layout
Finished Area
2,177 sq ft above grade
Display Options
Outdoor Areas
Patio & porchDeck
Room Markers
OOffice (1)
KKitchen (1)
BRBedroom (5)
BABathroom (4)
DDining (1)
LLiving (2)
Conceptual diagram based on MLS room data. It is not to scale and is not a substitute for architectural plans or on-site measurements.
Interior Features
Flooring:
Tile, Vinyl, Carpet, Laminate
Appliances:
Range, Disposal, Refrigerator, Other, Dishwasher
Interior Features:
Ceiling Fan(s), Bathroom With Tub & Shower, Open Floorplan, Living Room, Kitchen, Laundry Room, Office/Den
Windows:
Skylight(s)
Basement:
Full, Interior Entry, Concrete
Laundry:
Washer Hookup, Dryer Hookup, Electric Dryer Hookup
Security:
Construction & Materials
Year Built:
1900
Structure Type:
Exterior Materials:
Frame
Roof:
Shingle
Foundation:
Block, Stone, Brick/Mortar
Stories:
2
Heating, Cooling & Utilities
Heating:
Baseboard, Natural Gas, Floor Furnace
Cooling:
Hot Water:
Natural Gas, Tank
Water Source:
Public
Sewer:
Public Sewer
Energy Features:
Exterior & Lot
Exterior Features:
Patio & Porch:
Deck
Fencing:
Other Structures:
Lot Features:
Road Surface:
Paved
Parking & Garage
Garage Spaces:
2
Total Parking Spaces:
4
Parking Features:
Paved Drive, Off Street
Nearby Schools
School District
Gardner School District local
D
School Safety
2024-25
5.8%
Above Average
5.6%
Suspensions
0.5%
In-School
0.2%
Emergency
0.3% above state avg
Elementary Schools
3 schools
C-
Gardner Elementary School
1.4 mi
|
#677 of 825
|
Score: 37.1
Improved 88 spots from last year
-21.1 below state avg
1,071 students
Diverse
Rising School
Diverse Student Body
Grades PK-04
Wachusett Hills Christian School
3.0 mi
Grades K-08
C+
Templeton Elementary School
3.8 mi
|
#514 of 825
|
Score: 44.3
Improved 99 spots from last year
-13.9 below state avg
549 students
Moderate
Rising School
Strong Attendance
Grades PK-04
Middle Schools
3 schools
D
Gardner Middle School
1.3 mi
|
#335 of 352
|
Score: 27.0
Dropped 4 spots from last year
-31.2 below state avg
528 students
Diverse
Grades 05-07
C-
Narragansett Middle School
3.8 mi
|
#314 of 352
|
Score: 30.5
Dropped 53 spots from last year
-27.7 below state avg
345 students
Less Diverse
Grades 05-07
B
Overlook Middle School
4.2 mi
|
#169 of 352
|
Score: 42.9
Dropped 6 spots from last year
-15.4 below state avg
564 students
Less Diverse
Strong Attendance
Grades 06-08
High Schools
3 schools
D
Gardner Academy for Learning and Technology
1.0 mi
|
#325 of 346
|
Score: 30.7
Improved 54 spots from last year
-27.5 below state avg
74 students
Diverse
Early College Program
Rising School
Career Tech Programs
Grades 09-12
C+
Gardner High School
1.4 mi
|
#230 of 346
|
Score: 49.5
Improved 83 spots from last year
-8.7 below state avg
797 students
Diverse
15 sports
• 820 athletes
Early College Program
High Graduation Rate
Rising School
Career Tech Programs
Grades 08-12
B-
Narragansett Regional High School
3.7 mi
|
#207 of 346
|
Score: 51.7
Improved 42 spots from last year
-6.5 below state avg
471 students
Less Diverse
14 sports
• 628 athletes
Early College Program
High Graduation Rate
Rising School
Career Tech Programs
Grades 08-12
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Loan Amount
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Over life of loan
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Including down payment
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Down: $0
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Monthly Payment Breakdown
Principal & Interest
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Property Tax
$384
Homeowners Insurance
$200
PMI (if <20% down)
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Loan Summary
Total of 360 payments
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Payment Over Time
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
103 Ash Street, Gardner MA 01440
Gardner, MA 01440
Listing Information
Listing Agent
Brenda Cormier
Listing Office
RE/MAX Vision
Office Phone
978-847-0800
Agent MLS ID
H7520747
Office MLS ID
AN8091
Listing Data Updated
Sep 10, 2026 9:55 AM EDT
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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