117 Greenwood Street, Gardner MA 01440
Gardner, MA 01440
$499,900
Est. $3,008/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
Nestled in the heart of Gardner, MA, this charming 2-family home offers a large backyard and features both a cozy front porch and inviting deck, offering ample space to enjoy the changing seasons. Freshly painted throughout, each unit is thoughtfully designed with modern comforts in mind, showcasing two spacious bedrooms and updated full bath both with tile flooring. Each kitchen gleams with stainless steel appliances, seamlessly blending with the new bath and shower updates, contemporary vanities, and new laminate flooring throughout both units. The 1st Floor offers a breakfast bar and private access to the back deck. Heat and hot water are included, for year-round comfort. A washer and dryer in the basement are available for the convenience of both units, while electric meters are separate. Whether you're looking for a family home with rental potential or an investment property, this meticulously updated two-family residence is sure to impress you. Schedule showing time now.
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Recently Sold Nearby
Property History
Property Timeline
Listed for Sale
Sep 17, 2026
$499,900
Original listing
Office: Castinetti Realty Group
| Date | Event | Price | Change | $/sqft | Details |
|---|---|---|---|---|---|
| 09/17/2026 | 🏠 Listed for Sale | $499,900 | - | - | Original listing |
Tax History
| Year | Taxes | Assessment |
|---|---|---|
| 2025 | $3,363 | $234,200 |
Financial Details
Annual Property Tax
$3,363
Tax Year 2025
Assessed Value
$234,200
Facts & Features
Home Facts
Type
Residential Income
Style
2 Family - 2 Units Up/Down
Year Built
1900
Living Area
1,668 sq ft
Lot Size
0.25 acres
Stories
2
Bedrooms
4
Full Baths
2
Total Rooms
4
Investment Metrics
Units
2
Unit 1 Rent
$2,050/mo · Y
Unit 2 Rent
$1,950/mo · Y
Total Monthly Rent
$4,000/mo
Gross Income
$48,000
Net Operating Income
$48,000
Cap Rate
9.60%
Interior
Heating
Baseboard, Oil
Cooling
None
Flooring
Wood, Hardwood
Appliances
Range, Dishwasher, Microwave, Refrigerator, Freezer
Fireplace
None
Basement
Concrete, Unfinished
Laundry
Electric Dryer Hookup
Features
Pantry, Lead Certification Available, Upgraded Cabinets, Upgraded Countertops, Bathroom With Tub, Living Room, Kitchen, Family Room, Living Rm/dining Rm Combo
Exterior
Construction
Frame
Architecture
None
Roof
Shingle
Features
None
Pool
None
Spa
None
Fencing
None
Patio/Porch
Deck - Vinyl
Parking
Features
Paved Drive, Off Street, Unpaved
Total Spaces
4
Utilities
Electric
110 Volts, 200+ Amp Service
Water
Public
Sewer
Public Sewer
Gas
None
Other
For Electric Range, For Electric Oven, For Electric Dryer
Financial
Annual Tax
$3,363
Assessed Value
$234,200
HOA & Community
Fee Includes
None
Amenities
None
Optional Fee Includes
None
MA Disclosures
Lead Paint
Certified Treated, Unknown
Seller Disclosures
Seller Has Never Lived In Property. Building Will Be Sold With Tenants In Both Apartments.
Exclusions
Property Sold In An As Is Condition.
Additional Details
Possession
None
Accepted Financing
None
Structure Type
[]
House Color
Blue
Sq Ft Source
Appraiser
Sq Ft Disclosures
Measurements are approx and should be verified.
Documents
None
County
Worcester
Property Overview
Property Type
2 Family - 2 Units Up/Down
Listing Type
For Sale
Year Built
1900
Bedrooms
4
Full Bathrooms
2
Living Area
1,668 sq ft
Total Rooms
4
Stories
2
Levels
2
Floor Layout
Interactive room guide
Floor Layout
Finished Area
1,668 sq ft above grade
Display Options
Outdoor Areas
Patio & porchDeck - Vinyl
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:
Wood, Hardwood
Appliances:
Range, Dishwasher, Microwave, Refrigerator, Freezer
Interior Features:
Pantry, Lead Certification Available, Upgraded Cabinets, Upgraded Countertops, Bathroom With Tub, Living Room, Kitchen, Family Room, Living RM/Dining RM Combo
Windows:
Insulated Windows
Basement:
Concrete, Unfinished
Laundry:
Electric Dryer Hookup
Security:
Construction & Materials
Year Built:
1900
Structure Type:
Exterior Materials:
Frame
Roof:
Shingle
Foundation:
Stone, Brick/Mortar
Stories:
2
Heating, Cooling & Utilities
Heating:
Baseboard, Oil
Cooling:
None
Hot Water:
Oil, Electric
Water Source:
Public
Sewer:
Public Sewer
Energy Features:
Exterior & Lot
Exterior Features:
Patio & Porch:
Deck - Vinyl
Fencing:
Other Structures:
Lot Features:
Cleared, Level
Road Surface:
Parking & Garage
Total Parking Spaces:
4
Parking Features:
Paved Drive, Off Street, Unpaved
Nearby Schools
School information not available for this location.
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
$280
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
117 Greenwood Street, Gardner MA 01440
Gardner, MA 01440
Listing Information
Listing Agent
Elie Karak
Listing Office
Castinetti Realty Group
Office Phone
508-719-8804
Agent MLS ID
CN245500
Office MLS ID
AN4508
Listing Data Updated
Sep 17, 2026 11:09 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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