113 Baker St, Gardner MA 01440

Gardner, MA 01440
$569,999
Est. $3,647/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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9
Beds
3
Baths
2,700
Sq Ft
$211
Price/Sq Ft
0.13
Acres
1920
Year Built
4
Parking
New today
Time on Market
For Sale Open House Listed Nov 5, 2026 • MLS# 73599293 Copied! • Updated Nov 5, 2026

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Open House Schedule

14
Nov
Saturday, November 14
11:30 AM - 1:00 PM EST
15
Nov
Sunday, November 15
11:30 AM - 1:00 PM EST

About this home

133 Baker Street in Gardner is a solid investment or owner-occupied property offering a straightforward opportunity with three spacious 3-bedroom units. Whether you are building your portfolio or looking to house-hack, the 1st floor and the newly renovated 3rd floor are currently VACANT and READY FOR IMMEDIATE OCCUPANCY. You can comfortably live in one unit while leasing the others at current market rates to offset your living costs. Each unit features practical, comfortable layouts with classic hardwood floors, eat-in kitchens, separate utilities, and private wrap-around porches. Situated on a flat lot with a freshly sealed driveway providing ample off-street parking, the property also includes convenient basement storage and sits in a highly convenient location with easy access to Route 2 and the town center.

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Recently Sold Nearby

Price & Status History

Property Timeline

🏠
Listed for Sale
Nov 5, 2026
$569,999
Original listing
Agent: Esteban Pepin Office: eXp Realty LLC

Tax History

Year Taxes Assessment
2026 $6,778 $492,200

Financial Details

Annual Property Tax
$6,778
Tax Year 2026
Assessed Value
$492,200

Facts & Features

Home Facts

Type Residential Income
Style 3 Family
Year Built 1920
Living Area 2,700 sq ft
Lot Size 0.13 acres
Stories 3
Bedrooms 9
Full Baths 3
Total Rooms 15

Investment Metrics

Units 3
Unit 1 Rent $1,750/mo · Y
Unit 2 Rent $1,800/mo · Y
Unit 3 Rent $2,100/mo · Y
Total Monthly Rent $5,650/mo
Gross Income $67,800
Net Operating Income $67,800
Cap Rate 11.89%
Heating Electric, Ductless, Natural Gas
Cooling Window Unit(s), Ductless
Flooring Wood, Hardwood
Appliances None
Fireplace None
Basement Full
Laundry None
Features Pantry, Bathroom With Tub & Shower, Living Room, Kitchen
Construction None
Architecture None
Roof Rubber
Features Balcony/deck
Pool None
Spa None
Fencing None
Patio/Porch Porch
Features Paved Drive, Off Street
Total Spaces 4
Electric 220 Volts
Water Public
Sewer Public Sewer
Gas None
Other None

Financial

Annual Tax $6,778
Assessed Value $492,200
Fee Includes None
Amenities None
Optional Fee Includes None
Lead Paint None
Seller Disclosures None
Possession None
Accepted Financing None
Structure Type []
Sq Ft Source Public Record
Documents None
County Worcester

Property Overview

Property Type
3 Family
Listing Type
For Sale
Year Built
1920
Bedrooms
9
Full Bathrooms
3
Living Area
2,700 sq ft
Total Rooms
15
Stories
3
Levels
3

Floor Layout

Interior Features

Flooring: Wood, Hardwood
Appliances:
Interior Features: Pantry, Bathroom With Tub & Shower, Living Room, Kitchen
Windows:
Basement: Full
Laundry:
Security:

Construction & Materials

Year Built: 1920
Structure Type:
Exterior Materials:
Roof: Rubber
Foundation: Concrete Perimeter
Stories: 3

Utilities & Systems

Heating: Electric, Ductless, Natural Gas
Cooling: Window Unit(s), Ductless
Hot Water: Natural Gas
Water Source: Public
Sewer: Public Sewer
Energy Features:

Exterior & Lot

Exterior Features: Balcony/Deck
Patio & Porch: Porch
Fencing:
Other Structures:
Lot Features:
Road Surface:

Parking & Garage

Total Parking Spaces: 4
Parking Features: Paved Drive, Off Street
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
Wachusett Hills Christian School
3.2 mi
Grades K-08
C-
Gardner Elementary School
1.9 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
M

Middle Schools

1 school
D
Gardner Middle School
1.9 mi | #335 of 352 | Score: 27.0
Dropped 4 spots from last year
-31.2 below state avg
528 students Diverse
Grades 05-07
H

High Schools

2 schools
C+
Gardner High School
1.9 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
1.4 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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Including down payment
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Monthly Payment Breakdown

Principal & Interest $0
Property Tax $565
Homeowners Insurance $200
PMI (if <20% down) $0

Loan Summary

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

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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

113 Baker St, Gardner MA 01440

Gardner, MA 01440

Listing Information

Listing Agent Esteban Pepin
Listing Office eXp Realty LLC
Office Phone 888-854-7493
Agent MLS ID CN258465
Office MLS ID AN6820
Listing Data Updated Nov 5, 2026 12:35 PM 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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