104-108 Parker St, Gardner MA 01440
Gardner, MA 01440
$579,000
$565,000
Est. $3,533/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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About this home
Exceptional mixed-use investment opportunity in the heart of Gardner! Fully occupied and generating $75,180 in annual gross income, this turnkey property features two commercial units and two residential apartments, offering a diversified mix of income streams. The first-floor commercial space is occupied by a medical spa, while the third-floor commercial space is home to an art studio. Situated between them are two residential apartments, creating a well-balanced layout. A detached 3-car garage with a spacious second level provides valuable storage and future potential. Benefit from a high-visibility downtown location with a mix of ample off-street, metered on-street, and nearby municipal parking. Centrally located within walking distance to shops, restaurants, public transportation, services, and other everyday conveniences. Ideal for investors seeking strong in-place income, full occupancy, turnkey condition, and future upside potential.
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Recently Sold Nearby
Property History
Market Insights
1
Price Changes
2.4%
Price Range
Property Timeline
Price Reduced
Sep 18, 2026
$565,000
$14,000
(-2.42%)
From $579,000 to $565,000 (-2.4%)
Showing Instructions Updated
Sep 17, 2026
New showing requirements
Showing Instructions Updated
Aug 3, 2026
New showing requirements
Listed for Sale
Jun 23, 2026
$579,000
Original listing
Agent: Candor Investment Group
Office: eXp Realty LLC
| Date | Event | Price | Change | $/sqft | Details |
|---|---|---|---|---|---|
| 09/18/2026 | ↓ Price Reduced | $565,000 | $14,000 | - | From $579,000 to $565,000 (-2.4%) |
| 09/17/2026 | 👁️ Showing Instructions Updated | - | - | - | New showing requirements |
| 08/03/2026 | 👁️ Showing Instructions Updated | - | - | - | New showing requirements |
| 06/23/2026 | 🏠 Listed for Sale | $579,000 | - | - | Original listing |
Tax History
| Year | Taxes | Assessment |
|---|---|---|
| 2025 | $5,717 | $398,100 |
Financial Details
Annual Property Tax
$5,717
Tax Year 2025
Assessed Value
$398,100
Facts & Features
3 Car Garage
Home Facts
Type
Residential Income
Style
4 Family
Year Built
1888
Living Area
6,958 sq ft
Lot Size
0.15 acres
Stories
4
Bedrooms
3
Full Baths
2
Half Baths
3
Total Rooms
21
Investment Metrics
Units
4
Unit 1 Rent
$2,000/mo · Y
Unit 2 Rent
$1,365/mo · Y
Unit 3 Rent
$1,600/mo · N
Total Monthly Rent
$4,965/mo
Gross Income
$75,180
Net Operating Income
$38,899
Cap Rate
6.88%
Interior
Heating
None
Cooling
None
Flooring
Tile, Varies, Hardwood
Appliances
None
Fireplace
None
Basement
Full, Walk-out Access
Laundry
None
Features
None
Exterior
Construction
None
Architecture
None
Roof
Shingle
Features
None
Pool
None
Spa
None
Fencing
Fenced/enclosed
Patio/Porch
None
Parking
Garage Spaces
3
Has Garage
Yes
Features
Paved Drive, Off Street
Total Spaces
7
Utilities
Electric
None
Water
Public
Sewer
Public Sewer
Gas
None
Other
None
Financial
Annual Tax
$5,717
Assessed Value
$398,100
HOA & Community
Fee Includes
None
Amenities
None
Optional Fee Includes
None
Down Payment Resource
Eligible
MA Disclosures
Lead Paint
Unknown
Seller Disclosures
All Information Deemed Reliable But Not Guaranteed. Seller Has Never Occupied Property And Has Limited Information. Buyer/buyers Agent To Conduct Due Diligence. Listing Agency Has Vested Interest.
Additional Details
Possession
None
Accepted Financing
None
Structure Type
[]
House Color
Grey
Sq Ft Source
Public Record
Sq Ft Disclosures
1st floor commercial space and residential units shared heat, see income/expenses. Unit 4 now vacant
Documents
None
County
Worcester
Total market time (incl. prior listings)
91 days
Property Overview
Property Type
4 Family
Listing Type
For Sale
Year Built
1888
Bedrooms
3
Full Bathrooms
2
Half Bathrooms
3
Living Area
6,958 sq ft
Total Rooms
21
Stories
4
Levels
4
Floor Layout
Interactive room guide
Floor Layout
Finished Area
6,958 sq ft above grade
Display Options
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, Varies, Hardwood
Appliances:
Interior Features:
Windows:
Basement:
Full, Walk-Out Access
Laundry:
Security:
Construction & Materials
Year Built:
1888
Structure Type:
Exterior Materials:
Roof:
Shingle
Foundation:
Block, Stone, Brick/Mortar
Stories:
4
Heating, Cooling & Utilities
Heating:
Cooling:
Hot Water:
Water Source:
Public
Sewer:
Public Sewer
Energy Features:
Exterior & Lot
Exterior Features:
Patio & Porch:
Fencing:
Fenced/Enclosed
Other Structures:
Lot Features:
Cleared, Gentle Sloping
Road Surface:
Parking & Garage
Garage Spaces:
3
Total Parking Spaces:
7
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
2 schools
Wachusett Hills Christian School
2.7 mi
Grades K-08
C-
Gardner Elementary School
1.3 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
Middle Schools
1 school
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
High Schools
2 schools
C+
Gardner High School
1.3 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
D
Gardner Academy for Learning and Technology
0.8 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
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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
$476
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
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
104-108 Parker St, Gardner MA 01440
Gardner, MA 01440
Listing Information
Listing Agent
Candor Investment Group
Listing Office
eXp Realty LLC
Office Phone
888-854-7493
Agent MLS ID
TM361776
Office MLS ID
AN9457
Listing Data Updated
Sep 22, 2026 3:05 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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