126 Payson St, Fitchburg MA 01420
Fitchburg, MA 01420
$399,900
Est. $2,609/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
12
Sep
Saturday, September 12
10:00 AM - 12:00 PM EDT
13
Sep
Sunday, September 13
10:00 AM - 12:00 PM EDT
About this home
Move-In Ready Two-Family Home with In-Law Potential! Welcome to this spacious, move-in-ready two-family home offering flexibility, character, and plenty of living space! The first floor features an updated, spacious kitchen with butcher-block countertops, reset lighting and bamboo hardwood flooring and a convenient half bath. The large dining room is perfect for entertaining and showcases a gorgeous slate wood-burning fireplace, creating a warm and inviting atmosphere during the winter months. Upstairs, the main living space offers the potential for three bedrooms, along with a newly renovated bathroom featuring beautiful ceramic flooring and a relaxing spa tub .Looking for an in-law setup, additional living space, or rental income? The cozy one-bedroom basement apartment offers its own kitchen with new cabinets, providing excellent flexibility for extended family or an additional income opportunity. Enjoy summer barbecues and outdoor gatherings in the backyard while being conveniently located just minutes from Route 2, the commuter train station, Market Basket, shopping, restaurants, parks, and Fitchburg State University. Great location + flexible living options + income potential = an opportunity you won't want to miss!
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Recently Sold Nearby
Property History
Property Timeline
Listed for Sale
Sep 10, 2026
$399,900
Original listing
Agent: Michele Mathieu
Office: LAER Realty Partners
| Date | Event | Price | Change | $/sqft | Details |
|---|---|---|---|---|---|
| 09/10/2026 | 🏠 Listed for Sale | $399,900 | - | - | Original listing |
Tax History
| Year | Taxes | Assessment |
|---|---|---|
| 2026 | $4,640 | $349,100 |
Financial Details
Annual Property Tax
$4,640
Tax Year 2026
Assessed Value
$349,100
Facts & Features
Home Facts
Type
Residential Income
Style
2 Family - 2 Units Up/Down
Year Built
1900
Living Area
2,118 sq ft
Lot Size
0.06 acres
Stories
3
Bedrooms
4
Full Baths
2
Half Baths
1
Total Rooms
9
Investment Metrics
Units
2
Unit 1 Rent
— · N
Unit 2 Rent
— · N
Gross Income
$19,800
Net Operating Income
$19,800
Cap Rate
4.95%
Interior
Heating
Baseboard, Natural Gas
Cooling
Window Unit(s)
Flooring
Tile, Carpet, Laminate, Bamboo, Hardwood, Stone/ceramic Tile
Appliances
Range, Refrigerator
Fireplace
Wood Burning
Fireplaces
1
Basement
Partial, Interior Entry
Laundry
Washer & Dryer Hookup, Gas Dryer Hookup, Electric Dryer Hookup, Washer Hookup
Features
Ceiling Fan(s), Bathroom With Tub & Shower, Bathroom With Shower Stall, Living Room, Dining Room, Kitchen, Living Rm/dining Rm Combo
Exterior
Construction
Frame, Brick
Architecture
None
Roof
Shingle, Slate
Features
None
Pool
None
Spa
None
Fencing
Fenced
Patio/Porch
None
Parking
Features
Off Street, Stone/gravel, Unpaved
Total Spaces
2
Utilities
Electric
100 Amp Service
Water
Public
Sewer
Public Sewer
Gas
None
Other
For Gas Range, For Gas Dryer, For Electric Dryer, Washer Hookup, Varies Per Unit
Financial
Annual Tax
$4,640
Assessed Value
$349,100
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
None
Structure Type
[]
House Color
brown
Sq Ft Source
Public Record
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
Half Bathrooms
1
Living Area
2,118 sq ft
Total Rooms
9
Stories
3
Levels
3
Floor Layout
Interactive room guide
Floor Layout
Finished Area
2,118 sq ft above grade
0 sq ft below grade
Display Options
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:
Tile, Carpet, Laminate, Bamboo, Hardwood, Stone/Ceramic Tile
Appliances:
Range, Refrigerator
Interior Features:
Ceiling Fan(s), Bathroom With Tub & Shower, Bathroom with Shower Stall, Living Room, Dining Room, Kitchen, Living RM/Dining RM Combo
Windows:
Insulated Windows
Basement:
Partial, Interior Entry
Laundry:
Washer & Dryer Hookup, Gas Dryer Hookup, Electric Dryer Hookup, Washer Hookup
Security:
Construction & Materials
Year Built:
1900
Structure Type:
Exterior Materials:
Frame, Brick
Roof:
Shingle, Slate
Foundation:
Brick/Mortar
Stories:
3
Heating, Cooling & Utilities
Heating:
Baseboard, Natural Gas
Heating Zones:
3
Cooling:
Window Unit(s)
Hot Water:
Electric
Water Source:
Public
Sewer:
Public Sewer
Energy Features:
Exterior & Lot
Exterior Features:
Patio & Porch:
Fencing:
Fenced
Other Structures:
Lot Features:
Steep Slope
Road Surface:
Paved
Parking & Garage
Total Parking Spaces:
2
Parking Features:
Off Street, Stone/Gravel, Unpaved
Special Features
Fireplaces:
1
Fireplace Type:
Wood Burning
Community Amenities:
Public Transportation, Shopping, Walk/Jog Trails, Medical Facility, Laundromat, House of Worship, Private School, Public School, T-Station, University
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
$387
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
126 Payson St, Fitchburg MA 01420
Fitchburg, MA 01420
Listing Information
Listing Agent
Michele Mathieu
Listing Office
LAER Realty Partners
Office Phone
978-534-3100
Agent MLS ID
CN217300
Office MLS ID
AN1929
Listing Data Updated
Sep 10, 2026 6:31 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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