Dimensions13.4 x 12.9
FeaturesWalk-In Closet(s), Flooring - Hardwood
LevelSecond
130 Emerald St, Gardner MA 01440
Gardner, MA 01440
$399,999
$399,900
Est. $2,607/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
Welcome to this well-loved home, proudly owned and meticulously maintained by the same owners for over 35 years. While the interior reflects its original charm and is ready for your personal updates, this home offers exceptional character, solid construction, and endless potential for the right buyer. Inside, you’ll find beautiful glass French doors that add warmth and elegance, a cozy wood-burning fireplace, and a partially finished basement that provides additional living or recreation space. The upgraded chimney offers added peace of mind for years to come. Step outside to enjoy the partially fenced backyard, offering space for gardening, outdoor entertaining, or simply relaxing in your own backyard retreat. Incredible walkability to groceries, pharmacies, dining, and convenience stores. Whether you’re a first-time homebuyer, someone looking to build equity, or an investor seeking a home with great bones, this property is a fantastic opportunity. Back on the market due to buyer financing. Recent updates have been completed with a variety of financing options in mind, including FHA and VA financing. Don’t miss this opportunity to make this home your own!
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Recently Sold Nearby
Price & Status History
Market Insights
1
Price Changes
0%
Price Range
Property Timeline
Back On Market
Oct 9, 2026
Active
Price Reduced
Oct 8, 2026
$399,900
$99
(-0.02%)
From $399,999 to $399,900 (-0.0%)
Pending Sale
Aug 8, 2026
Offer accepted, sale pending
Back On Market
Jul 28, 2026
Active
Status: Active under contract
Jul 27, 2026
Active → Active Under Contract
Listed for Sale
Jul 13, 2026
$399,999
Original listing
Office: Weichert REALTORS®, Hope & Associates
| Date | Event | Price | Change | $/sqft | Details |
|---|---|---|---|---|---|
| 10/09/2026 | • Back On Market | - | - | - | Active |
| 10/08/2026 | ↓ Price Reduced | $399,900 | $99 | - | From $399,999 to $399,900 (-0.0%) |
| 08/08/2026 | ⏳ Pending Sale | - | - | - | Offer accepted, sale pending |
| 07/28/2026 | • Back On Market | - | - | - | Active |
| 07/27/2026 | 📋 Status: Active under contract | - | - | - | Active → Active Under Contract |
| 07/13/2026 | 🏠 Listed for Sale | $399,999 | - | - | Original listing |
Tax History
| Year | Taxes | Assessment |
|---|---|---|
| 2026 | $4,623 | $335,700 |
Financial Details
Annual Property Tax
$4,623
Tax Year 2026
Assessed Value
$335,700
Facts & Features
Home Facts
Type
Residential
Style
Single Family Residence
Year Built
1930
Living Area
2,160 sq ft
Lot Size
0.17 acres
Bedrooms
4
Full Baths
1
Half Baths
1
Total Rooms
7
Interior
Heating
Steam, Oil
Cooling
Window Unit(s)
Flooring
Vinyl, Hardwood, Flooring - Hardwood
Appliances
Electric Water Heater, Water Heater, Range, Refrigerator
Fireplace
Living Room
Fireplaces
1
Basement
Full, Partially Finished, Walk-out Access, Interior Entry, Concrete
Laundry
In Basement, Electric Dryer Hookup, Washer Hookup
Features
Ceiling Fan(s), Closet, Sun Room, Entry Hall, Center Hall, Walk-up Attic
Exterior
Construction
Frame, Stone
Architecture
Colonial
Roof
Shingle
Features
Porch, Deck - Wood, Rain Gutters, Fenced Yard
Pool
None
Spa
None
Fencing
Fenced/enclosed, Fenced
Patio/Porch
Porch, Deck - Wood
Parking
Features
Paved Drive, Off Street, Paved
Total Spaces
3
Utilities
Electric
Circuit Breakers, 100 Amp Service
Water
Public
Sewer
Public Sewer
Gas
None
Other
For Electric Range, For Electric Dryer, Washer Hookup
Financial
Annual Tax
$4,623
Assessed Value
$335,700
HOA & Community
Fee Includes
None
Amenities
None
Optional Fee Includes
None
Down Payment Resource
Eligible
MA Disclosures
Lead Paint
Unknown
Seller Disclosures
None
Exclusions
Recent Updates Have Been Completed With A Variety Of Financing Options In Mind, Including Fha And Va
Additional Details
Possession
None
Accepted Financing
None
Structure Type
[]
House Color
Brown
Sq Ft Source
Public Record
Documents
None
County
Worcester
Total market time (incl. prior listings)
27 days
Property Overview
Property Type
Single Family Residence
Listing Type
For Sale
Year Built
1930
Bedrooms
4
Full Bathrooms
1
Half Bathrooms
1
Living Area
2,160 sq ft
Total Rooms
7
Floor Layout
Interactive room guide
Floor Layout
Finished Area
2,160 sq ft above grade
660 sq ft below grade
Dimensions10.1 x 13.4
FeaturesWalk-In Closet(s), Flooring - Hardwood
LevelSecond
Dimensions12.11 x 13.4
FeaturesWalk-In Closet(s), Flooring - Hardwood
LevelSecond
Dimensions6.6 x 7.2
FeaturesBathroom - Full, Bathroom - Tiled With Tub & Shower, Flooring - Stone/Ceramic Tile
LevelSecond
Dimensions13.4 x 15.4
FeaturesWalk-In Closet(s), Flooring - Hardwood
LevelSecond
Dimensions9.1 x 13.3
FeaturesFlooring - Vinyl, Pantry
LevelFirst
Dimensions3.4 x 5.11
FeaturesBathroom - Half
LevelFirst
Dimensions13.4 x 13.7
FeaturesFlooring - Hardwood
LevelFirst
LevelFirst
Dimensions18.3 x 13.4
FeaturesFlooring - Hardwood, French Doors
LevelFirst
Display Options
Outdoor Areas
Patio & porchPorch, Deck - Wood
Room Markers
KKitchen (1)
BRBedroom (4)
BABathroom (2)
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:
Vinyl, Hardwood, Flooring - Hardwood
Appliances:
Electric Water Heater, Water Heater, Range, Refrigerator
Interior Features:
Ceiling Fan(s), Closet, Sun Room, Entry Hall, Center Hall, Walk-up Attic
Windows:
Basement:
Full, Partially Finished, Walk-Out Access, Interior Entry, Concrete
Laundry:
In Basement, Electric Dryer Hookup, Washer Hookup
Security:
Construction & Materials
Style:
Colonial
Year Built:
1930
Structure Type:
Exterior Materials:
Frame, Stone
Roof:
Shingle
Foundation:
Concrete Perimeter
Utilities & Systems
Heating:
Steam, Oil
Heating Zones:
1
Cooling:
Window Unit(s)
Hot Water:
Water Source:
Public
Sewer:
Public Sewer
Energy Features:
Exterior & Lot
Exterior Features:
Porch, Deck - Wood, Rain Gutters, Fenced Yard
Patio & Porch:
Porch, Deck - Wood
Fencing:
Fenced/Enclosed, Fenced
Other Structures:
Lot Features:
Easements
Road Surface:
Paved
Parking & Garage
Total Parking Spaces:
3
Parking Features:
Paved Drive, Off Street, Paved
Special Features
Fireplaces:
1
Fireplace Type:
Living Room
Community Amenities:
Public Transportation, Shopping, Park, Laundromat, House of Worship, Public School, Sidewalks
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
1.4 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
Wachusett Hills Christian School
2.6 mi
Grades K-08
C+
Templeton Elementary School
3.8 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
Middle Schools
3 schools
D
Gardner Middle School
1.6 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
4.3 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
4.3 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
0.9 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
1.5 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
4.2 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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After down payment
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
$0
Property Tax
$385
Homeowners Insurance
$200
PMI (if <20% down)
$0
Loan Summary
Total of 360 payments
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Total interest paid
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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
130 Emerald St, Gardner MA 01440
Gardner, MA 01440
Listing Information
Listing Agent
Robert Johnson
Listing Office
Weichert REALTORS®, Hope & Associates
Office Phone
508-795-3885
Agent MLS ID
CN254931
Office MLS ID
AN5003
Listing Data Updated
Oct 9, 2026 4:41 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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