FeaturesFlooring - Wood
LevelSecond
121 Ryan St, Gardner MA 01440
Gardner, MA 01440
$335,000
Est. $2,215/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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Open House Schedule
31
Oct
Saturday, October 31
12:00 PM - 1:30 PM EDT
About this home
This immaculate home reflects years of thoughtful improvements, hands-on craftsmanship, and true pride of ownership. The welcoming interior features hardwood flooring in the living room, cherry hardwood flooring in the bedroom, and bamboo flooring upstairs. The updated eat-in kitchen offers custom cabinetry and built-ins crafted by the owner, complemented by a distinctive tin backsplash. An updated bathroom and fresh paint throughout add to the home’s beautifully maintained feel. All appliances remain, including the washer and dryer. Enjoy your morning coffee on the inviting front porch or relax on the covered side deck. A recently paved driveway, a stone wall handcrafted by the owner, and a generously sized storage shed enhance the exterior. Additional improvements include roof in 2012, replacement windows, oil tank, and whole-house insulation. A lovingly cared-for home with character and personal touches throughout!
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Recently Sold Nearby
Price & Status History
Market Insights
Property Timeline
Showing Instructions Updated
Oct 27, 2026
New showing requirements
Listed for Sale
Oct 27, 2026
$335,000
Original listing
Agent: Kelly Yakuben
Office: Liberty Real Estate
| Date | Event | Price | Change | $/sqft | Details |
|---|---|---|---|---|---|
| 10/27/2026 | 👁️ Showing Instructions Updated | - | - | - | New showing requirements |
| 10/27/2026 | 🏠 Listed for Sale | $335,000 | - | - | Original listing |
Tax History
| Year | Taxes | Assessment |
|---|---|---|
| 2026 | $3,858 | $280,200 |
Financial Details
Annual Property Tax
$3,858
Tax Year 2026
Assessed Value
$280,200
Facts & Features
Home Facts
Type
Residential
Style
Single Family Residence
Year Built
1944
Living Area
905 sq ft
Lot Size
0.27 acres
Bedrooms
2
Full Baths
1
Total Rooms
4
Interior
Heating
Baseboard, Oil
Cooling
None
Flooring
Tile, Laminate, Hardwood
Appliances
Range, Dishwasher, Microwave, Refrigerator, Washer, Dryer
Fireplace
None
Basement
Full, Walk-out Access, Concrete, Unfinished
Laundry
In Basement, Electric Dryer Hookup, Washer Hookup
Features
None
Exterior
Construction
Frame
Architecture
Cottage, Bungalow
Roof
Shingle
Features
Porch, Deck - Roof, Storage, Stone Wall
Pool
None
Spa
None
Fencing
None
Patio/Porch
Porch, Deck - Roof
Parking
Features
Paved Drive, Off Street, Paved
Total Spaces
4
Utilities
Electric
Circuit Breakers
Water
Public
Sewer
Public Sewer
Gas
None
Other
For Electric Range, For Electric Dryer, Washer Hookup
Financial
Annual Tax
$3,858
Assessed Value
$280,200
HOA & Community
Fee Includes
None
Amenities
None
Optional Fee Includes
None
MA Disclosures
Lead Paint
Unknown
Seller Disclosures
None
Additional Details
Possession
None
Accepted Financing
Contract
Structure Type
[]
Sq Ft Source
Other
Sq Ft Disclosures
buyer to verify
Documents
None
County
Worcester
Property Overview
Property Type
Single Family Residence
Listing Type
For Sale
Year Built
1944
Bedrooms
2
Full Bathrooms
1
Living Area
905 sq ft
Total Rooms
4
Floor Layout
Interactive room guide
Floor Layout
Finished Area
905 sq ft above grade
FeaturesFlooring - Laminate
LevelFirst
FeaturesBathroom - Full, Bathroom - With Tub
LevelFirst
FeaturesFlooring - Hardwood
LevelFirst
FeaturesFlooring - Hardwood
LevelFirst
Display Options
Outdoor Areas
Patio & porchPorch, Deck - Roof
Room Markers
KKitchen (1)
BRBedroom (2)
BABathroom (1)
LLiving (1)
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:
Tile, Laminate, Hardwood
Appliances:
Range, Dishwasher, Microwave, Refrigerator, Washer, Dryer
Interior Features:
Windows:
Basement:
Full, Walk-Out Access, Concrete, Unfinished
Laundry:
In Basement, Electric Dryer Hookup, Washer Hookup
Security:
Construction & Materials
Style:
Cottage, Bungalow
Year Built:
1944
Structure Type:
Exterior Materials:
Frame
Roof:
Shingle
Foundation:
Concrete Perimeter
Utilities & Systems
Heating:
Baseboard, Oil
Cooling:
None
Hot Water:
Water Source:
Public
Sewer:
Public Sewer
Energy Features:
Exterior & Lot
Exterior Features:
Porch, Deck - Roof, Storage, Stone Wall
Patio & Porch:
Porch, Deck - Roof
Fencing:
Other Structures:
Lot Features:
Cleared
Road Surface:
Parking & Garage
Total Parking Spaces:
4
Parking Features:
Paved Drive, Off Street, Paved
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
Elementary Schools
3 schools
C-
Gardner Elementary School
2.1 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
C+
Templeton Elementary School
3.7 mi
|
#514 of 825
|
Score: 44.3
Improved 99 spots from last year
-13.9 below state avg
549 students
Moderate
Rising School
Strong Attendance
Grades PK-04
Wachusett Hills Christian School
3.8 mi
Grades K-08
Middle Schools
3 schools
D
Gardner Middle School
1.8 mi
|
#335 of 352
|
Score: 27.0
Dropped 4 spots from last year
-31.2 below state avg
528 students
Diverse
Grades 05-07
C-
Narragansett Middle School
3.1 mi
|
#314 of 352
|
Score: 30.5
Dropped 53 spots from last year
-27.7 below state avg
345 students
Less Diverse
Grades 05-07
B
Overlook Middle School
4.5 mi
|
#169 of 352
|
Score: 42.9
Dropped 6 spots from last year
-15.4 below state avg
564 students
Less Diverse
Strong Attendance
Grades 06-08
High Schools
3 schools
D
Gardner Academy for Learning and Technology
1.9 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
C+
Gardner High School
2.0 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
B-
Narragansett Regional High School
3.1 mi
|
#207 of 346
|
Score: 51.7
Improved 42 spots from last year
-6.5 below state avg
471 students
Less Diverse
14 sports
• 628 athletes
Early College Program
High Graduation Rate
Rising School
Career Tech Programs
Grades 08-12
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Loan Amount
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Total Interest
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Over life of loan
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Including down payment
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Down: $0
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Monthly Payment Breakdown
Principal & Interest
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Property Tax
$322
Homeowners Insurance
$200
PMI (if <20% down)
$0
Loan Summary
Total of 360 payments
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Rate Impact
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Payment Over Time
Year 1
95% Interest
Year 15
50/50
Year 30
95% Principal
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Location
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Neighborhood
121 Ryan St, Gardner MA 01440
Gardner, MA 01440
Listing Information
Listing Agent
Kelly Yakuben
Listing Office
Liberty Real Estate
Office Phone
978-874-1900
Agent MLS ID
H8000242
Office MLS ID
H95079
Listing Data Updated
Oct 26, 2026 8:17 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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