FeaturesCeiling Fan(s), Closet, Flooring - Hardwood
LevelSecond
121 Waterford St, Gardner MA 01440
Gardner, MA 01440
$434,900
Est. $2,730/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
11:00 AM - 12:30 PM EDT
About this home
Step inside this beautifully remodeled cape in Gardner, Massachusetts, where classic charm meets modern convenience. The home features fully remodeled interiors, including refinished hardwood and fresh tile floors throughout. The kitchen is completely updated with sleek quartz countertops and brand-new stainless steel appliances. The upper level boasts a brand new bathroom with a beautiful tub and tiled shower, while the charming downstairs bath offers built-ins and timeless character. Designed for seamless entertaining, the home boasts an excellent flow and versatile primary bedroom options on either level. You'll find custom built-in beds tucked into one of the rooms, adding a unique and charming touch. Outdoor features include a tiered backyard space with potential for landscape projects, and a secure one-car garage with a breezeway. Potential awaits in the basement for future expansion, which includes a convenient working toilet. The Open House is scheduled for Halloween, October 31, 2026. Time 11:00 AM-12:30 PM.
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Recently Sold Nearby
Price & Status History
Property Timeline
Listed for Sale
Oct 29, 2026
$434,900
Original listing
Agent: Nancy Whitehouse-Bain
Office: Keller Williams Realty North Central
| Date | Event | Price | Change | $/sqft | Details |
|---|---|---|---|---|---|
| 10/29/2026 | 🏠 Listed for Sale | $434,900 | - | - | Original listing |
Tax History
| Year | Taxes | Assessment |
|---|---|---|
| 2026 | $3,973 | $288,500 |
Financial Details
Annual Property Tax
$3,973
Tax Year 2026
Assessed Value
$288,500
Facts & Features
1 Car Garage
Home Facts
Type
Residential
Style
Single Family Residence
Year Built
1936
Living Area
1,493 sq ft
Lot Size
0.40 acres
Bedrooms
3
Full Baths
1
Half Baths
2
Total Rooms
6
Interior
Heating
Steam, Oil
Cooling
None
Flooring
Tile, Concrete, Hardwood
Appliances
Tankless Water Heater, Range, Dishwasher, Microwave, Refrigerator, Washer, Dryer
Fireplace
None
Basement
Full, Partially Finished, Interior Entry, Bulkhead, Concrete
Laundry
Bathroom - 1/4, Laundry Closet, Electric Dryer Hookup, Washer Hookup, Sink, In Basement
Features
None
Exterior
Construction
Frame
Architecture
Cape
Roof
Shingle
Features
Porch, Covered Patio/deck, Rain Gutters, Stone Wall
Pool
None
Spa
None
Fencing
None
Patio/Porch
Porch, Covered
Parking
Garage Spaces
1
Has Garage
Yes
Features
Detached, Workshop In Garage, Paved Drive, Off Street, Paved
Total Spaces
3
Utilities
Electric
100 Amp Service
Water
Public
Sewer
Public Sewer
Gas
None
Other
For Electric Range, For Electric Dryer, Washer Hookup
Financial
Annual Tax
$3,973
Assessed Value
$288,500
HOA & Community
Fee Includes
None
Amenities
None
Optional Fee Includes
None
Down Payment Resource
Eligible
MA Disclosures
Lead Paint
Unknown
Seller Disclosures
The Property Has Been Remodeled Inside! New Kitchen, New Bath, Updated Half Bath, All New Lighting, Refinished Hardwood Flooring & New Tile, New Kitchen Appliances, And Freshly Painted Throughout The House.
Additional Details
Possession
None
Accepted Financing
None
Structure Type
[]
House Color
White
Sq Ft Source
Public Record
Documents
None
County
Worcester
Property Overview
Property Type
Single Family Residence
Listing Type
For Sale
Year Built
1936
Bedrooms
3
Full Bathrooms
1
Half Bathrooms
2
Living Area
1,493 sq ft
Total Rooms
6
Floor Layout
Interactive room guide
Floor Layout
Finished Area
1,493 sq ft above grade
FeaturesCeiling Fan(s), Closet, Flooring - Hardwood
LevelSecond
FeaturesFlooring - Hardwood, Dining Area, Countertops - Stone/Granite/Solid, Countertops - Upgraded, Exterior Access, Recessed Lighting, Remodeled, Stainless Steel Appliances, Closet - Double
LevelFirst
FeaturesFlooring - Hardwood, Lighting - Overhead
LevelFirst
FeaturesFlooring - Hardwood, Exterior Access, Lighting - Sconce, Lighting - Overhead
LevelFirst
FeaturesBathroom - Half, Closet, Flooring - Hardwood, Lighting - Overhead
LevelFirst
LevelBasement
FeaturesYes
Display Options
Outdoor Areas
Patio & porchPorch, Covered
Room Markers
KKitchen (1)
BRBedroom (3)
DDining (1)
LLiving (2)
BABathroom (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, Concrete, Hardwood
Appliances:
Tankless Water Heater, Range, Dishwasher, Microwave, Refrigerator, Washer, Dryer
Interior Features:
Windows:
Insulated Windows
Basement:
Full, Partially Finished, Interior Entry, Bulkhead, Concrete
Laundry:
Bathroom - 1/4, Laundry Closet, Electric Dryer Hookup, Washer Hookup, Sink, In Basement
Security:
Construction & Materials
Style:
Cape
Year Built:
1936
Structure Type:
Exterior Materials:
Frame
Roof:
Shingle
Foundation:
Stone
Utilities & Systems
Heating:
Steam, Oil
Cooling:
None
Hot Water:
Water Source:
Public
Sewer:
Public Sewer
Energy Features:
Thermostat
Exterior & Lot
Exterior Features:
Porch, Covered Patio/Deck, Rain Gutters, Stone Wall
Patio & Porch:
Porch, Covered
Fencing:
Other Structures:
Lot Features:
Gentle Sloping, Level
Road Surface:
Paved
Parking & Garage
Garage Spaces:
1
Total Parking Spaces:
3
Parking Features:
Detached, Workshop in Garage, 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
2 schools
Wachusett Hills Christian School
3.0 mi
Grades K-08
C-
Gardner Elementary School
1.7 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
Middle Schools
1 school
D
Gardner Middle School
1.7 mi
|
#335 of 352
|
Score: 27.0
Dropped 4 spots from last year
-31.2 below state avg
528 students
Diverse
Grades 05-07
High Schools
2 schools
C+
Gardner High School
1.7 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
1.2 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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Down: $0
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Monthly Payment Breakdown
Principal & Interest
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Property Tax
$331
Homeowners Insurance
$200
PMI (if <20% down)
$0
Loan Summary
Total of 360 payments
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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 Waterford St, Gardner MA 01440
Gardner, MA 01440
Listing Information
Listing Agent
Nancy Whitehouse-Bain
Listing Office
Keller Williams Realty North Central
Office Phone
978-840-9000
Agent MLS ID
H6542000
Office MLS ID
K95580
Listing Data Updated
Oct 29, 2026 3:30 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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