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104 Temple Street, Gardner MA 01440

Gardner, MA 01440
$424,000
Est. $2,646/month
3
Beds
2
Baths
1,327
Sq Ft
$320
Price/Sq Ft
0.25
Acres
1900
Year Built
27
Days on Market
Active Listed Feb 3, 2026 • MLS# 73473759 Copied!

About this home

Welcome home! An enclosed front porch leads you into this beautifully updated residence. The sun-filled living room features a picture window and a sliding glass door that opens to the backyard—perfect for indoor-outdoor living. The remodeled kitchen boasts modern white shaker cabinetry, sleek countertops, and recessed lighting, flowing seamlessly into the dining area. A convenient storage room with laundry hookups and a full bath complete the first floor. Upstairs, you’ll find three comfortable bedrooms and a spacious full bathroom highlighted by recessed lighting and skylights. Outside, enjoy a generous fenced-in yard and a detached two-car garage. Don't forget to ask about the many improvements and upgrades. Truly move-in ready—just unpack and enjoy!

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Property Overview

Property Type
Single Family Residence
Listing Type
For Sale
Year Built
1900
Bedrooms
3
Full Bathrooms
2
Living Area
1,327 sq ft
Total Rooms
6

Facts & Features

2 Car Garage

Home Facts

Type Residential
Style Single Family Residence
Year Built 1900
Living Area 1,327 sq ft
Lot Size 0.25 acres
Bedrooms 3
Full Baths 2
Total Rooms 6

Interior

Heating Baseboard, Oil
Cooling None
Flooring Wood Laminate
Appliances Water Heater, Range, Dishwasher, Microwave, Refrigerator, Washer, Dryer
Fireplace None
Basement Full, Interior Entry, Bulkhead, Concrete, Unfinished
Laundry Laundry Closet, Flooring - Vinyl, Electric Dryer Hookup, Washer Hookup, First Floor
Features None

Exterior

Construction Frame
Architecture Cape
Roof Shingle
Features Porch - Enclosed, Patio, Fenced Yard
Pool None
Spa None
Fencing Fenced
Patio/Porch Porch - Enclosed, Patio

Parking

Garage Spaces 2
Has Garage Yes
Features Detached, Paved Drive, Off Street, Paved
Total Spaces 6

Utilities

Electric Circuit Breakers, 100 Amp Service
Water Public
Sewer Public Sewer
Gas None
Other For Electric Range, For Electric Dryer, Washer Hookup

Financial

Annual Tax $3,624
Assessed Value $252,400

Interior Features

Flooring: Wood Laminate
Appliances: Water Heater, Range, Dishwasher, Microwave, Refrigerator, Washer, Dryer
Interior Features:
Windows: Insulated Windows
Basement: Full, Interior Entry, Bulkhead, Concrete, Unfinished
Laundry: Laundry Closet, Flooring - Vinyl, Electric Dryer Hookup, Washer Hookup, First Floor
Security:

Construction & Materials

Style: Cape
Year Built: 1900
Structure Type:
Exterior Materials: Frame
Roof: Shingle
Foundation: Stone

Heating, Cooling & Utilities

Heating: Baseboard, Oil
Heating Zones: 1
Cooling: None
Hot Water:
Water Source: Public
Sewer: Public Sewer
Energy Features: Thermostat

Exterior & Lot

Exterior Features: Porch - Enclosed, Patio, Fenced Yard
Patio & Porch: Porch - Enclosed, Patio
Fencing: Fenced
Other Structures:
Lot Features: Cleared, Level
Road Surface: Paved

Parking & Garage

Garage Spaces: 2
Total Parking Spaces: 6
Parking Features: Detached, Paved Drive, Off Street, Paved

Location

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Neighborhood

104 Temple Street, Gardner MA 01440

Gardner, MA 01440

Walkability

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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
E

Elementary Schools

2 schools
C-
Gardner Elementary School
0.6 mi | #669 of 824 | Score: 37.5
Improved 96 spots from last year
-20.7 below state avg
1,087 students Diverse
Rising School Diverse Student Body
Grades PK-04
Wachusett Hills Christian School
1.8 mi
Grades K-08
M

Middle Schools

1 school
F
Gardner Middle School
1.0 mi | #338 of 352 | Score: 26.8
Dropped 7 spots from last year
-31.4 below state avg
514 students Diverse
Grades 05-07
H

High Schools

2 schools
D
Gardner Academy for Learning and Technology
0.3 mi | #331 of 346 | Score: 26.7
Improved 48 spots from last year
-31.6 below state avg
123 students Diverse
Early College Program Rising School Career Tech Programs
Grades 09-12
C+
Gardner High School
0.9 mi | #239 of 346 | Score: 47.5
Improved 74 spots from last year
-10.7 below state avg
808 students Diverse
15 sports • 820 athletes
Early College Program High Graduation Rate Rising School Career Tech Programs
Grades 08-12
Learn about these ratings

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 $302
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.

Property History

Market Insights

Property Timeline

📋
Status: Active under contract
Feb 10, 2026
Active → Active Under Contract
👁️
Showing Instructions Updated
Feb 4, 2026
New showing requirements
🏠
Listed for Sale
Feb 3, 2026
$419,000
Original listing
Agent: T. Jay Johnson Jr. Office: Lamacchia Realty, Inc.

Price & Status History

Date Event Price Change
Feb 10, 2026 Status: Active under contract $0
Feb 3, 2026 New Listing Added $419,000

Market Statistics

Days on Market
27 days
Price per Sq Ft
$320

Tax History

Year Taxes Assessment
2025 $3,624 $252,400

Financial Details

Annual Property Tax
$3,624
Tax Year 2025
Assessed Value
$252,400

Listing Information

Listing Agent T. Jay Johnson Jr.
Listing Office Lamacchia Realty, Inc.
Agent MLS ID H8667346
Office MLS ID AN5320
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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Market Analytics for Gardner, MA

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