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1130 Water St, Fitchburg MA 01420

Fitchburg, MA 01420
$509,900
Est. $3,265/month
5
Beds
3
Baths
2,088
Sq Ft
$244
Price/Sq Ft
0.06
Acres
1931
Year Built
3 Family
Type
12 hours 46 minutes
Time on Market
Active Listed Jan 19, 2026 • MLS# 73469749 Copied!

About this home

Investor’s Dream in Fitchburg! This spacious 3-family home features 13 total rooms, 5 bedrooms, and 3 full bathrooms, offering excellent cash flow potential. Whether you're looking to expand your investment portfolio or live in one unit while renting the others, this property is a smart move. Enjoy low-maintenance vinyl siding, hardwood floors, and six off-street parking spaces. Conveniently located near public transportation, schools, shopping, parks, and highway access—this is a rare opportunity in a high-demand rental market.

Property Overview

Property Type
3 Family
Listing Type
For Sale
Year Built
1931
Bedrooms
5
Full Bathrooms
3
Living Area
2,088 sq ft
Total Rooms
13
Stories
3
Levels
3

Facts & Features

Home Facts

Type Residential Income
Style 3 Family
Year Built 1931
Living Area 2,088 sq ft
Lot Size 0.06 acres
Bedrooms 5
Full Baths 3
Total Rooms 13

Interior

Heating None
Cooling None
Flooring Hardwood, Stone/ceramic Tile, Tile
Appliances Range, Refrigerator
Fireplace None
Basement None
Laundry None
Features Stone/granite/solid Counters, Internet Available - Satellite, Living Room, Kitchen

Exterior

Construction Frame
Architecture None
Roof Shingle
Features Rain Gutters
Pool None
Spa None
Fencing None
Patio/Porch Porch

Parking

Features Paved Drive, Off Street
Total Spaces 6

Utilities

Electric Circuit Breakers
Water Public
Sewer Public Sewer
Gas None
Other For Gas Range

Financial

Annual Tax $5,839
Assessed Value $432,200

Interior Features

Flooring: Hardwood, Stone/Ceramic Tile, Tile
Appliances: Range, Refrigerator
Interior Features: Stone/Granite/Solid Counters, Internet Available - Satellite, Living Room, Kitchen
Windows:
Basement:
Laundry:
Security:

Construction & Materials

Year Built: 1931
Structure Type:
Exterior Materials: Frame
Roof: Shingle
Foundation: Concrete Perimeter
Stories: 3

Heating, Cooling & Utilities

Heating:
Cooling:
Hot Water: Natural Gas
Water Source: Public
Sewer: Public Sewer
Energy Features:

Exterior & Lot

Exterior Features: Rain Gutters
Patio & Porch: Porch
Fencing:
Other Structures:
Lot Features:
Road Surface: Paved

Parking & Garage

Total Parking Spaces: 6
Parking Features: Paved Drive, Off Street

Location

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Neighborhood

1130 Water St, Fitchburg MA 01420

Fitchburg, MA 01420

Walkability

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Nearby Schools

School District
Fitchburg School District local
C+
⚠ School Safety 2024-25
8.1% Above Average
4.6% Suspensions 4.6% In-School 3.5% Emergency
↑ 2.6% above state avg
E

Elementary Schools

5 schools
St. Bernard Elementary School
0.8 mi
Grades PK-08
Applewild School
2.6 mi
Grades K-09
C-
South Street Early Learning Center
1.1 mi | #697 of 824 | Score: 48.1
Same rank as last year
Limited historical data for year-over-year comparison
570 students Diverse
Grades PK-K
C
McKay Elementary School
2.3 mi | #661 of 824 | Score: 38.0
Improved 70 spots from last year
-20.2 below state avg
754 students Diverse
Rising School
Grades 01-05
C
Reingold Elementary School
2.7 mi | #610 of 824 | Score: 40.4
Improved 113 spots from last year
-17.8 below state avg
679 students Diverse
Rising School Diverse Student Body
Grades 01-05
M

Middle Schools

2 schools
C
Memorial Middle School
1.7 mi | #274 of 352 | Score: 33.9
Dropped 4 spots from last year
-24.3 below state avg
601 students Diverse
Diverse Student Body
Grades 06-08
D
Arthur M Longsjo Middle School
2.0 mi | #323 of 352 | Score: 28.9
Improved 17 spots from last year
-29.3 below state avg
614 students Diverse
Grades 06-08
H

High Schools

6 schools
C+
Sizer School: A North Central Charter Essential School
3.0 mi | #221 of 346 | Score: 49.3
Improved 25 spots from last year
-8.9 below state avg
282 students Diverse
Early College Program Rising School College Ready Curriculum
Grades 07-12
St. Bernard's Central Catholic High School
1.1 mi
Grades 09-12
C-
Goodrich Academy
1.1 mi | #23 of 25 | Score: 20.5
Improved 363 spots from last year
-37.8 below state avg
186 students Diverse
Rising School
Grades 09-12
Notre Dame Preparatory High School
1.4 mi
Grades 09-12
A
Montachusett Regional Vocational Technical School
4.1 mi | #64 of 346 | Score: 65.1
Improved 11 spots from last year
+6.9 above state avg
1,417 students Moderate
High Graduation Rate Career Tech Programs College Ready Curriculum Strong Attendance
Grades 09-12
C
Fitchburg High School
4.3 mi | #255 of 346 | Score: 45.8
Improved 37 spots from last year
-12.4 below state avg
1,220 students Diverse
15 sports • 1,110 athletes
Early College Program High Graduation Rate Rising School Career Tech Programs
Grades 09-12
Learn about these ratings
School data provided by BMN Schools

Monthly Payment Calculator

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

Monthly Payment Breakdown

Principal & Interest $0
Property Tax $487
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
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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

Property Timeline

🏠
Listed for Sale
Jan 19, 2026
$509,900
Original listing
Agent: The Liriano Team Office: Liriano Realty

Price & Status History

Date Event Price Change
Jan 19, 2026 New Listing Added $509,900 —

Market Statistics

Time on Market
12 hours 46 minutes
Price per Sq Ft
$244

Tax History

Year Taxes Assessment
2025 $5,839 $432,200

Financial Details

Annual Property Tax
$5,839
Tax Year 2025
Assessed Value
$432,200

Listing Information

Listing Agent The Liriano Team
Listing Office Liriano Realty
Agent MLS ID TM330790
Office MLS ID AN8804
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 Fitchburg, MA

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