138 Plymouth Street, Fitchburg MA 01420

Fitchburg, MA 01420
$499,000
Est. $3,246/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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7
Beds
3
Baths
2,492
Sq Ft
$200
Price/Sq Ft
0.08
Acres
1910
Year Built
3
Parking
New today
Time on Market
For Sale Listed Nov 4, 2026 • MLS# 73598763 Copied! • Updated Nov 4, 2026

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About this home

Positioned for immediate and future income, this turnkey three-family property offers a great opportunity to invest or owner occupy. Two vacant residences, including a top-floor three-bedroom and a lower-level two-bedroom, provide flexibility for renting or owner occupancy, while an occupied two-bedroom unit generates income from day one. Each residence is separately metered, with tenants responsible for heat, hot water, and electricity. Individual tanks, separate electrical panels for all three units, and a dedicated house panel support streamlined property management. Inside, timeless architectural character meets thoughtful updates through warm natural wood trim, tall windows, distinctive hardwood floors, and bead-board wainscoting. Refreshed kitchens feature white cabinetry and stainless steel appliances, while the full baths include tub-and-shower combinations. Private enclosed porches extend the living space and offer added versatility throughout the seasons. An expansive unfinished basement provides laundry hookups, generous storage, and walk-out access. Outside, the property includes paved off-street parking, deck space, and a level backyard. Convenient access to public transportation, scenic walking trails, and nearby Fitchburg State University further enhances the location, making this well-equipped multi-unit property a strong portfolio addition with cash-flow and value-add potential.

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Price & Status History

Property Timeline

🏠
Listed for Sale
Nov 4, 2026
$499,000
Original listing
Agent: Lisa Gamberdella Office: Lamacchia Realty, Inc.

Tax History

Year Taxes Assessment
2026 $6,276 $472,200

Financial Details

Annual Property Tax
$6,276
Tax Year 2026
Assessed Value
$472,200

Facts & Features

Home Facts

Type Residential Income
Style 3 Family - 3 Units Up/Down
Year Built 1910
Living Area 2,492 sq ft
Lot Size 0.08 acres
Stories 3
Bedrooms 7
Full Baths 3
Total Rooms 16

Investment Metrics

Units 3
Unit 1 Rent $1,800/mo · Y
Unit 2 Rent — · N
Unit 3 Rent — · N
Total Monthly Rent $1,800/mo
Gross Income $21,600
Net Operating Income $21,600
Cap Rate 4.33%
Heating Baseboard, Natural Gas
Cooling None
Flooring Vinyl, Hardwood
Appliances Range, Dishwasher, Refrigerator
Fireplace None
Basement Full, Finished, Walk-out Access, Interior Entry
Laundry Electric Dryer Hookup, Washer Hookup
Features Storage, Bathroom With Tub & Shower, Smart Thermostat, Living Room, Kitchen
Construction Frame
Architecture None
Roof Shingle
Features Balcony/deck
Pool None
Spa None
Fencing None
Patio/Porch Deck
Features Paved Drive, Off Street, Paved
Total Spaces 3
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 $6,276
Assessed Value $472,200
Fee Includes None
Amenities None
Optional Fee Includes None
Lead Paint Unknown
Seller Disclosures Buyers/agents To Perform Due Diligence. Some Photos May Be Virtually Enhanced. Each Unit Has Its Own Tank & Its Own Electric Panel, Plus House Panel. Current Tenant Is Paying #1800/mo - Tenant At Will. Occupied Unit Will Not Be Available For Showings. Water Heaters Rented From Unitil At $26.50 Eac
Possession None
Accepted Financing None
Structure Type []
House Color Brown
Sq Ft Source Owner
Sq Ft Disclosures Measurements are approx.
Documents None
County Worcester

Property Overview

Property Type
3 Family - 3 Units Up/Down
Listing Type
For Sale
Year Built
1910
Bedrooms
7
Full Bathrooms
3
Living Area
2,492 sq ft
Total Rooms
16
Stories
3
Levels
3

Floor Layout

Interior Features

Flooring: Vinyl, Hardwood
Appliances: Range, Dishwasher, Refrigerator
Interior Features: Storage, Bathroom With Tub & Shower, Smart Thermostat, Living Room, Kitchen
Windows: Insulated Windows
Basement: Full, Finished, Walk-Out Access, Interior Entry
Laundry: Electric Dryer Hookup, Washer Hookup
Security:

Construction & Materials

Year Built: 1910
Structure Type:
Exterior Materials: Frame
Roof: Shingle
Foundation: Stone, Granite
Stories: 3

Utilities & Systems

Heating: Baseboard, Natural Gas
Heating Zones: 3
Cooling: None
Hot Water: Natural Gas, Tank
Water Source: Public
Sewer: Public Sewer
Energy Features: Thermostat

Exterior & Lot

Exterior Features: Balcony/Deck
Patio & Porch: Deck
Fencing:
Other Structures:
Lot Features: Cleared, Level
Road Surface: Paved

Parking & Garage

Total Parking Spaces: 3
Parking Features: Paved Drive, Off Street, Paved

Nearby Schools

School information not available for this location.

Monthly Payment Calculator

Monthly Payment
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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 $523
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

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Current Rate
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Payment Over Time

Interest
Principal
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

138 Plymouth Street, Fitchburg MA 01420

Fitchburg, MA 01420

Listing Information

Listing Agent Lisa Gamberdella
Listing Office Lamacchia Realty, Inc.
Office Phone 978-534-3400
Agent MLS ID CN226184
Office MLS ID AN5320
Listing Data Updated Nov 4, 2026 1:39 PM EST
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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