146 Charles St, Fitchburg MA 01420

Fitchburg, MA 01420
$499,900
Est. $3,196/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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6
Beds
3
Baths
2,426
Sq Ft
$206
Price/Sq Ft
0.06
Acres
1900
Year Built
2
Parking
New today
Time on Market
For Sale Open House Listed Nov 3, 2026 • MLS# 73598235 Copied! • Updated Nov 3, 2026

Track this home for price, status, and open-house alerts.

Open House Schedule

07
Nov
Saturday, November 7
12:00 PM - 2:00 PM EST

About this home

Excellent opportunity to own a well-maintained 3-family investment property in Fitchburg with a steady rental history and immediate value-add potential. The property consists of three residential units, with two units currently occupied and one unit vacant, providing a new owner with flexibility to establish their own tenancy, renovate and improve the unit, or potentially occupy it while benefiting from rental income from the remaining units. The property offers strong potential for investors seeking an income-producing multifamily with upside, as well as owner-occupants looking to offset their housing costs through rental income. Conveniently located near local amenities, shopping, transportation, schools, and major routes. A great opportunity to add a solid multifamily property to your portfolio or begin building one. Buyer and Buyer's Agent to perform their own due diligence regarding rents, expenses, zoning, utilities, permits, property condition, and all other information.

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Recently Sold Nearby

Price & Status History

Property Timeline

🏠
Listed for Sale
Nov 3, 2026
$499,900
Original listing
Agent: Anibal Mendez Office: Realty ONE Group Nest

Tax History

Year Taxes Assessment
2026 $5,623 $423,100

Financial Details

Annual Property Tax
$5,623
Tax Year 2026
Assessed Value
$423,100

Facts & Features

Home Facts

Type Residential Income
Style 3 Family - 3 Units Up/Down
Year Built 1900
Living Area 2,426 sq ft
Lot Size 0.06 acres
Stories 5
Bedrooms 6
Full Baths 3
Total Rooms 15

Investment Metrics

Units 3
Unit 1 Rent — · N
Unit 2 Rent — · N
Unit 3 Rent — · N
Heating Hot Water, Natural Gas
Cooling None
Flooring Varies, Hardwood, Wood
Appliances Range
Fireplace None
Basement Full, Interior Entry, Concrete, Unfinished
Laundry Washer Hookup
Features Bathroom With Tub & Shower, Internet Available - Unknown, Bathroom With Shower Stall, Internet Available - Satellite, Living Room, Dining Room, Kitchen
Construction Frame
Architecture None
Roof Tile
Features Varies Per Unit
Pool None
Spa None
Fencing None
Patio/Porch Enclosed
Features Paved Drive, Off Street, Driveway
Total Spaces 2
Electric Circuit Breakers, Common, Individually Metered
Water Public
Sewer Public Sewer
Gas None
Other Washer Hookup, Varies Per Unit

Financial

Annual Tax $5,623
Assessed Value $423,100
Fee Includes None
Amenities None
Optional Fee Includes None
Lead Paint Unknown
Seller Disclosures Buyer And Buyers Agent Are Encouraged To Perform Their Own Independent Due Diligence, Inspections, And Verification Of All Property Information
Possession None
Accepted Financing None
Structure Type []
Sq Ft Source Public Record
Documents None
County Worcester

Property Overview

Property Type
3 Family - 3 Units Up/Down
Listing Type
For Sale
Year Built
1900
Bedrooms
6
Full Bathrooms
3
Living Area
2,426 sq ft
Total Rooms
15
Stories
5
Levels
5

Floor Layout

Interior Features

Flooring: Varies, Hardwood, Wood
Appliances: Range
Interior Features: Bathroom With Tub & Shower, Internet Available - Unknown, Bathroom with Shower Stall, Internet Available - Satellite, Living Room, Dining Room, Kitchen
Windows:
Basement: Full, Interior Entry, Concrete, Unfinished
Laundry: Washer Hookup
Security:

Construction & Materials

Year Built: 1900
Structure Type:
Exterior Materials: Frame
Roof: Tile
Foundation: Granite
Stories: 5

Utilities & Systems

Heating: Hot Water, Natural Gas
Cooling: None
Hot Water: Tank
Water Source: Public
Sewer: Public Sewer
Energy Features:

Exterior & Lot

Exterior Features: Varies per Unit
Patio & Porch: Enclosed
Fencing:
Other Structures:
Lot Features: Level
Road Surface:

Parking & Garage

Total Parking Spaces: 2
Parking Features: Paved Drive, Off Street, Driveway
School District
Fitchburg School District local
C+
⚠ School Safety 2024-25
8.1% Above Average
4.6% Suspensions 4.6% In-School 3.5% Emergency
↑ 2.6% above state avg
E

Elementary Schools

3 schools
C-
South Street Early Learning Center
0.5 mi | #697 of 825 | Score: 48.1
Same rank as last year
Limited historical data for year-over-year comparison
569 students Diverse
Diverse Student Body
Grades PK-K
Applewild School
1.1 mi
Grades K-09
St. Bernard Elementary School
1.1 mi
Grades PK-08
M

Middle Schools

3 schools
D
Arthur M Longsjo Middle School
0.6 mi | #328 of 352 | Score: 28.6
Improved 12 spots from last year
-29.6 below state avg
577 students Diverse
Grades 06-08
C
Memorial Middle School
0.6 mi | #280 of 352 | Score: 33.8
Dropped 10 spots from last year
-24.4 below state avg
620 students Diverse
Diverse Student Body
Grades 06-08
B+
Lunenburg Middle School
4.4 mi | #127 of 352 | Score: 46.8
Improved 7 spots from last year
-11.4 below state avg
382 students Moderate
Grades 06-08
H

High Schools

3 schools
Notre Dame Preparatory High School
0.2 mi
Grades 09-12
St. Bernard's Central Catholic High School
0.9 mi
Grades 09-12
C-
Goodrich Academy
1.0 mi | #23 of 25 | Score: 22.0
Improved 363 spots from last year
-36.2 below state avg
101 students Diverse
Rising School
Grades 09-12
Learn about these ratings

Monthly Payment Calculator

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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 $469
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

146 Charles St, Fitchburg MA 01420

Fitchburg, MA 01420

Listing Information

Listing Agent Anibal Mendez
Listing Office Realty ONE Group Nest
Office Phone 978-655-1385
Agent MLS ID CN227588
Office MLS ID AN7014
Listing Data Updated Nov 3, 2026 1:44 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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