15 Congress St, Fitchburg MA 01420
Fitchburg, MA 01420 • Fitchburg
$619,000
Est. $3,793/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
20
Sep
Sunday, September 20
12:00 PM - 1:30 PM EDT
19
Sep
Saturday, September 19
11:00 AM - 12:30 PM EDT
About this home
New on the market!!! Fully remodeled 2 family that is perfect for the investor to owner-occupied buyer adjacent to Fitchburg State University and minutes from the commuter train. The 1st floor features a spacious 3 bedroom, 1 bath apartment that has wood floors and a beautiful new kitchen with granite countertops, stainless appliances and plenty of cabinets. Recessed lighting and new lights can be found, and laundry is located in the basement. The 2nd floor is a 2 bedroom, 1 bath apartment that also has wood floors and a sleek new kitchen with granite countertops. Laundry is located off the kitchen. Both apartments have high efficiency boilers. New windows, new roof, new vinyl siding, new plumbing, new electrical and much. more. Additional storage can be found in the basement. Open House on Saturday, September 19th from 11AM to 12:30PM and Sunday, September 20th from 12PM to 1:30PM.
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Recently Sold Nearby
Property History
Property Timeline
Listed for Sale
Sep 16, 2026
$619,000
Original listing
Agent: Ligia Garcia
Office: Coldwell Banker Realty - Waltham
| Date | Event | Price | Change | $/sqft | Details |
|---|---|---|---|---|---|
| 09/16/2026 | 🏠 Listed for Sale | $619,000 | - | - | Original listing |
Tax History
| Year | Taxes | Assessment |
|---|---|---|
| 2027 | $5,557 | $411,300 |
Financial Details
Annual Property Tax
$5,557
Tax Year 2027
Assessed Value
$411,300
Facts & Features
Home Facts
Type
Residential Income
Style
2 Family - 2 Units Up/Down
Year Built
1960
Living Area
1,800 sq ft
Lot Size
0.14 acres
Stories
2
Bedrooms
5
Full Baths
2
Total Rooms
8
Investment Metrics
Units
2
Unit 1 Rent
$2,050/mo · N
Unit 2 Rent
$1,600/mo · N
Total Monthly Rent
$3,650/mo
Gross Income
$43,800
Net Operating Income
$43,800
Cap Rate
7.08%
Interior
Heating
Baseboard, Natural Gas
Cooling
Window Unit(s)
Flooring
Hardwood, Carpet
Appliances
Range, Refrigerator, Dishwasher
Fireplace
Wood Burning
Fireplaces
1
Basement
Full, Interior Entry, Bulkhead, Concrete
Laundry
None
Features
Upgraded Cabinets, Upgraded Countertops, Bathroom With Tub & Shower, Open Floorplan, Remodeled, Stone/granite/solid Counters, Living Room, Dining Room, Kitchen, Laundry Room
Exterior
Construction
Frame
Architecture
None
Roof
Shingle
Features
Rain Gutters, Stone Wall
Pool
None
Spa
None
Fencing
Fenced
Patio/Porch
None
Parking
Features
Off Street, Stone/gravel
Total Spaces
4
Utilities
Electric
Circuit Breakers
Water
Public
Sewer
Public Sewer
Gas
None
Other
None
Financial
Annual Tax
$5,557
Assessed Value
$411,300
HOA & Community
Fee Includes
None
Amenities
None
Optional Fee Includes
None
MA Disclosures
Lead Paint
Unknown
Seller Disclosures
Fireplace Is Not Lined And Sold As Is. Rent Is Month To Month. Easement Located To The Left Of The Driveway ( Near Fence) On The Congress Street Side. (see Deed).
Additional Details
Possession
None
Accepted Financing
None
Structure Type
[]
House Color
Grey
Sq Ft Source
Measured
Sq Ft Disclosures
Measurements are approximate and should be verified. See floor plans.
Documents
None
County
Worcester
Property Overview
Property Type
2 Family - 2 Units Up/Down
Listing Type
For Sale
Year Built
1960
Bedrooms
5
Full Bathrooms
2
Living Area
1,800 sq ft
Total Rooms
8
Stories
2
Levels
2
Floor Layout
Interactive room guide
Floor Layout
Finished Area
1,800 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:
Hardwood, Carpet
Appliances:
Range, Refrigerator, Dishwasher
Interior Features:
Upgraded Cabinets, Upgraded Countertops, Bathroom With Tub & Shower, Open Floorplan, Remodeled, Stone/Granite/Solid Counters, Living Room, Dining Room, Kitchen, Laundry Room
Windows:
Basement:
Full, Interior Entry, Bulkhead, Concrete
Laundry:
Security:
Construction & Materials
Year Built:
1960
Structure Type:
Exterior Materials:
Frame
Roof:
Shingle
Foundation:
Concrete Perimeter
Stories:
2
Heating, Cooling & Utilities
Heating:
Baseboard, Natural Gas
Cooling:
Window Unit(s)
Hot Water:
Water Source:
Public
Sewer:
Public Sewer
Energy Features:
Exterior & Lot
Exterior Features:
Rain Gutters, Stone Wall
Patio & Porch:
Fencing:
Fenced
Other Structures:
Lot Features:
Corner Lot
Road Frontage:
72.00 ft
Road Surface:
Parking & Garage
Total Parking Spaces:
4
Parking Features:
Off Street, Stone/Gravel
Special Features
Fireplaces:
1
Fireplace Type:
Wood Burning
Community Amenities:
Nearby Schools
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
Elementary Schools
3 schools
C
McKay Elementary School
0.7 mi
|
#658 of 825
|
Score: 37.9
Improved 73 spots from last year
-20.3 below state avg
736 students
Diverse
Rising School
Grades 01-05
St. Bernard Elementary School
0.9 mi
Grades PK-08
C-
South Street Early Learning Center
1.0 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
Middle Schools
3 schools
D
Arthur M Longsjo Middle School
0.5 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
1.4 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
3.7 mi
|
#127 of 352
|
Score: 46.8
Improved 7 spots from last year
-11.4 below state avg
382 students
Moderate
Grades 06-08
High Schools
3 schools
St. Bernard's Central Catholic High School
0.6 mi
Grades 09-12
C-
Goodrich Academy
0.7 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
Notre Dame Preparatory High School
0.7 mi
Grades 09-12
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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
$463
Homeowners Insurance
$200
PMI (if <20% down)
$0
Loan Summary
Total of 360 payments
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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
Fitchburg
15 Congress St, Fitchburg MA 01420
Fitchburg, MA 01420
Listing Information
Listing Agent
Ligia Garcia
Listing Office
Coldwell Banker Realty - Waltham
Office Phone
781-893-0808
Agent MLS ID
CN206103
Office MLS ID
AN6239
Listing Data Updated
Sep 16, 2026 3:07 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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