12 Foster St, Fitchburg MA 01420
Fitchburg, MA 01420
$565,000
Est. $3,553/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
Opportunity knocks with this corner-lot 3-family home in the heart of Fitchburg, an excellent fit for an investor building a portfolio or a buyer seeking an owner-occupied home with rental income. Each of the 3 units offers 2 bedrooms and 1 full bath, with separate utilities for all units to simplify management and expenses. Off-street parking adds everyday convenience, and the location is close to downtown shops and dining, the commuter rail, Fitchburg State University, and major routes, including Route 2. The attic space may offer potential for a 4th unit and/or ADU; buyers to verify zoning, permitting, and feasibility with the City of Fitchburg. Seller is offering a $10,000 credit toward an interest rate buydown, closing costs, or prepaids, subject to lender approval. Smart layout, central location, and room to grow. The opportunity you have been waiting for starts here!
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Recently Sold Nearby
Price & Status History
Property Timeline
Listed for Sale
Oct 15, 2026
$565,000
Original listing
Office: RE/MAX Culture
| Date | Event | Price | Change | $/sqft | Details |
|---|---|---|---|---|---|
| 10/15/2026 | 🏠 Listed for Sale | $565,000 | - | - | Original listing |
Tax History
| Year | Taxes | Assessment |
|---|---|---|
| 2026 | $5,958 | $448,300 |
Financial Details
Annual Property Tax
$5,958
Tax Year 2026
Assessed Value
$448,300
Facts & Features
Home Facts
Type
Residential Income
Style
3 Family
Year Built
1920
Living Area
3,172 sq ft
Lot Size
0.18 acres
Stories
4
Bedrooms
6
Full Baths
3
Total Rooms
15
Investment Metrics
Units
3
Unit 1 Rent
$1,800/mo · N
Unit 2 Rent
$1,800/mo · Y
Unit 3 Rent
$1,800/mo · Y
Total Monthly Rent
$5,400/mo
Gross Income
$43,200
Net Operating Income
$43,200
Cap Rate
7.65%
Interior
Heating
None
Cooling
None
Flooring
None
Appliances
None
Fireplace
None
Basement
Full
Laundry
None
Features
None
Exterior
Construction
None
Architecture
None
Roof
None
Features
None
Pool
None
Spa
None
Fencing
Fenced/enclosed, Fenced
Patio/Porch
Porch
Parking
Features
Paved Drive, Off Street, Paved
Total Spaces
8
Utilities
Electric
None
Water
Public
Sewer
Public Sewer
Gas
None
Other
None
Financial
Annual Tax
$5,958
Assessed Value
$448,300
HOA & Community
Fee Includes
None
Amenities
None
Optional Fee Includes
None
MA Disclosures
Lead Paint
Unknown
Seller Disclosures
Seller Has Never Lived On Property, Limited Information Available. Buyer/buyers Agents To Verify Any/all Information. Some Photos Were Virtually Enhanced And/or Staged. Deposits To Be Submitted Thru Depositlink. Selling As Is. Seller Providing $10k Credit For Buying Down Points And/or Closing Costs
Exclusions
Any Appliances Belonging To Tenants Or Any Personal Items Belonging To Seller.
Additional Details
Possession
None
Accepted Financing
None
Structure Type
[]
House Color
White
Sq Ft Source
Public Record
Sq Ft Disclosures
Attic space may have possible potential for an ADU/4th unit, Buyer to do due diligence.
Documents
None
County
Worcester
Property Overview
Property Type
3 Family
Listing Type
For Sale
Year Built
1920
Bedrooms
6
Full Bathrooms
3
Living Area
3,172 sq ft
Total Rooms
15
Stories
4
Levels
4
Floor Layout
Interior Features
Flooring:
Appliances:
Interior Features:
Windows:
Basement:
Full
Laundry:
Security:
Construction & Materials
Year Built:
1920
Structure Type:
Exterior Materials:
Roof:
Foundation:
Stone
Stories:
4
Utilities & Systems
Heating:
Cooling:
Hot Water:
Water Source:
Public
Sewer:
Public Sewer
Energy Features:
Exterior & Lot
Exterior Features:
Patio & Porch:
Porch
Fencing:
Fenced/Enclosed, Fenced
Other Structures:
Lot Features:
Corner Lot
Road Surface:
Parking & Garage
Total Parking Spaces:
8
Parking Features:
Paved Drive, Off Street, Paved
Special Features
View:
Yes
View Type:
City View(s)
Community Amenities:
Public Transportation, Shopping, Park, Walk/Jog Trails, Golf, Medical Facility, Highway Access, House of Worship, Public School, T-Station, University
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
Elementary Schools
5 schools
Applewild School
0.8 mi
Grades K-09
St. Bernard Elementary School
1.5 mi
Grades PK-08
C-
South Street Early Learning Center
1.0 mi
|
#697 of 825
|
Score: 48.1
Same rank as last year
Limited historical data for year-over-year comparison
569 students
Diverse
Diverse Student Body
Grades PK-K
C
McKay Elementary School
1.3 mi
|
#658 of 825
|
Score: 37.9
Improved 73 spots from last year
-20.3 below state avg
736 students
Diverse
Rising School
Grades 01-05
C
Reingold Elementary School
1.4 mi
|
#606 of 825
|
Score: 40.4
Improved 117 spots from last year
-17.8 below state avg
619 students
Diverse
Rising School
Diverse Student Body
Grades 01-05
Middle Schools
2 schools
D
Arthur M Longsjo Middle School
0.5 mi
|
#328 of 352
|
Score: 28.6
Improved 12 spots from last year
-29.6 below state avg
577 students
Diverse
Grades 06-08
C
Memorial Middle School
0.8 mi
|
#280 of 352
|
Score: 33.8
Dropped 10 spots from last year
-24.4 below state avg
620 students
Diverse
Diverse Student Body
Grades 06-08
High Schools
6 schools
C+
Sizer School: A North Central Charter Essential School
1.4 mi
|
#221 of 346
|
Score: 50.3
Improved 25 spots from last year
-8 below state avg
270 students
Diverse
Strong AP Program
Early College Program
Rising School
College Ready Curriculum
Grades 07-12
Notre Dame Preparatory High School
0.6 mi
Grades 09-12
St. Bernard's Central Catholic High School
1.3 mi
Grades 09-12
C-
Goodrich Academy
1.4 mi
|
#23 of 25
|
Score: 22.0
Improved 363 spots from last year
-36.2 below state avg
101 students
Diverse
Rising School
Grades 09-12
C
Fitchburg High School
2.7 mi
|
#263 of 346
|
Score: 46.3
Improved 29 spots from last year
-11.9 below state avg
1,305 students
Diverse
15 sports
• 1,110 athletes
Early College Program
Rising School
Career Tech Programs
College Ready Curriculum
Grades 09-12
A
Montachusett Regional Vocational Technical School
3.0 mi
|
#66 of 346
|
Score: 65.0
Improved 9 spots from last year
+6.8 above state avg
1,403 students
Moderate
High Graduation Rate
Career Tech Programs
College Ready Curriculum
Strong Attendance
Grades 09-12
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
$497
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
12 Foster St, Fitchburg MA 01420
Fitchburg, MA 01420
Listing Information
Listing Agent
Luxan Zayas
Listing Office
RE/MAX Culture
Office Phone
978-333-4433
Agent MLS ID
CN217281
Office MLS ID
AN8362
Listing Data Updated
Oct 14, 2026 10:34 PM 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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