LevelFirst
123 Laitinen Dr, Gardner MA 01440
Gardner, MA 01440
$649,900
$594,900
Est. $3,856/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
Designed for flexibility & accessibility, this 4-bedroom, 3-bath ranch offers an adaptable layout for a variety of lifestyles. The finished lower level nearly doubles the living space & has a bedroom with direct access to a bathroom with impressive accessible shower. Excellent potential to make this a 5 or 6 bedroom house or even an Accessory Dwelling Unit (ADU). Home is well suited for multi-generational living, older children, extended family, in-law suite or long-term guests. Main level is designed for comfortable everyday living, featuring a spacious primary suite with en-suite bath, accessible spa tub, & separate shower. Smooth transitions throughout both levels add convenience & create an open, welcoming feel. Whether you’re looking for room to grow, flexible living options or space for future needs, this home delivers. Solar panels owned & transferrable with full battery back-up.
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Recently Sold Nearby
Property History
Market Insights
1
Price Changes
8.5%
Price Range
Property Timeline
Price Reduced
Jul 20, 2026
$624,900
$25,000
(-3.85%)
From $649,900 to $624,900 (-3.9%)
Listed for Sale
Jun 16, 2026
$594,900
Original listing
Office: Liberty Real Estate
Listed for Sale
Jun 16, 2026
$624,900
Original listing
Agent: Shellie Hammond
Office: Liberty Real Estate
Listed for Sale
Jun 16, 2026
$649,900
Original listing
Office: Liberty Real Estate
| Date | Event | Price | Change | $/sqft | Details |
|---|---|---|---|---|---|
| 07/20/2026 | ↓ Price Reduced | $624,900 | $25,000 | - | From $649,900 to $624,900 (-3.9%) |
| 06/16/2026 | 🏠 Listed for Sale | $594,900 | - | - | Original listing |
| 06/16/2026 | 🏠 Listed for Sale | $624,900 | - | - | Original listing |
| 06/16/2026 | 🏠 Listed for Sale | $649,900 | - | - | Original listing |
Tax History
| Year | Taxes | Assessment |
|---|---|---|
| 2026 | $7,680 | $557,700 |
Financial Details
Annual Property Tax
$7,680
Tax Year 2026
HOA Fee
$100
Annually
Assessed Value
$557,700
Facts & Features
2 Car Garage
Home Facts
Type
Residential
Style
Single Family Residence
Year Built
2007
Living Area
3,106 sq ft
Lot Size
1.94 acres
Bedrooms
4
Full Baths
3
Total Rooms
8
Interior
Heating
Baseboard, Oil
Cooling
None
Flooring
Wood, Vinyl, Carpet
Appliances
Water Heater, Range, Dishwasher, Disposal, Microwave, Refrigerator, Washer, Dryer
Fireplace
None
Basement
Full, Partially Finished, Walk-out Access, Interior Entry
Laundry
First Floor, Electric Dryer Hookup, Washer Hookup
Features
None
Exterior
Construction
Frame
Architecture
Ranch
Roof
Shingle
Features
Porch - Screened, Deck, Storage
Pool
None
Spa
None
Fencing
None
Patio/Porch
Screened, Deck
Parking
Garage Spaces
2
Has Garage
Yes
Features
Attached, Garage Door Opener, Storage, Paved Drive, Off Street, Paved
Total Spaces
10
Utilities
Electric
200+ Amp Service
Water
Public
Sewer
Public Sewer
Gas
None
Other
For Electric Range, For Electric Dryer, Washer Hookup
Financial
Annual Tax
$7,680
Assessed Value
$557,700
HOA & Community
HOA
Yes
HOA Fee
$100 Annually
Fee Includes
None
Amenities
None
Optional Fee Includes
None
Association Required
Yes
Down Payment Resource
Eligible
MA Disclosures
Lead Paint
Unknown
Seller Disclosures
None
Additional Details
Possession
None
Accepted Financing
None
Structure Type
[]
House Color
Tan
Sq Ft Source
Public Record
Sq Ft Disclosures
includes finished lower level
Documents
None
County
Worcester
Total market time (incl. prior listings)
69 days
Property Overview
Property Type
Single Family Residence
Listing Type
For Sale
Year Built
2007
Bedrooms
4
Full Bathrooms
3
Living Area
3,106 sq ft
Total Rooms
8
Floor Layout
Interactive room guide
Floor Layout
Finished Area
1,744 sq ft above grade
1,362 sq ft below grade
LevelFirst
LevelFirst
LevelFirst
LevelFirst
LevelFirst
LevelFirst
LevelBasement
LevelBasement
LevelBasement
LevelBasement
FeaturesYes
Display Options
Outdoor Areas
Patio & porchScreened, Deck
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, Vinyl, Carpet
Appliances:
Water Heater, Range, Dishwasher, Disposal, Microwave, Refrigerator, Washer, Dryer
Interior Features:
Windows:
Insulated Windows
Basement:
Full, Partially Finished, Walk-Out Access, Interior Entry
Laundry:
First Floor, Electric Dryer Hookup, Washer Hookup
Security:
Construction & Materials
Style:
Ranch
Year Built:
2007
Structure Type:
Exterior Materials:
Frame
Roof:
Shingle
Foundation:
Concrete Perimeter
Heating, Cooling & Utilities
Heating:
Baseboard, Oil
Heating Zones:
3
Cooling:
None
Hot Water:
Water Source:
Public
Sewer:
Public Sewer
Energy Features:
Exterior & Lot
Exterior Features:
Porch - Screened, Deck, Storage
Patio & Porch:
Screened, Deck
Fencing:
Other Structures:
Lot Features:
Wooded
Road Surface:
Parking & Garage
Garage Spaces:
2
Garage Type:
Attached
Total Parking Spaces:
10
Parking Features:
Attached, Garage Door Opener, Storage, Paved Drive, Off Street, Paved
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
$640
Homeowners Insurance
$200
HOA Fee
$8/mo
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
123 Laitinen Dr, Gardner MA 01440
Gardner, MA 01440
Listing Information
Listing Agent
Shellie Hammond
Listing Office
Liberty Real Estate
Office Phone
978-874-1900
Agent MLS ID
H4605269
Office MLS ID
H95079
Listing Data Updated
Sep 10, 2026 8:25 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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