17 Sand St, Gardner MA 01440

Gardner, MA 01440
$339,900
Est. $2,274/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.

Adjust the payment calculator
4
Beds
2
Baths
1,696
Sq Ft
$200
Price/Sq Ft
0.25
Acres
1900
Year Built
2
Garage Spaces
New today
Time on Market
For Sale Listed Nov 4, 2026 • MLS# 73598487 Copied! • Updated Nov 4, 2026

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

About this home

Opportunity awaits at 17 Sand Street in Gardner! Whether you’re looking to expand your investment portfolio or enjoy the benefits of owner-occupied living, this two-family property offers flexibility, income potential, and value! Each unit features 2 bedrooms and 1 full bathroom with enclosed porches, with the second-floor unit currently vacant and ready for its next occupant. The first-floor unit is occupied by a tenant paying $1,550 per month on a month-to-month agreement, providing immediate rental income. Situated on a spacious quarter-acre lot, the property offers a detached garage, storage shed, and newer decks for outdoor enjoyment. Notable exterior improvements include a roof replaced in 2021 and fresh exterior paint in 2024. Live in one unit while collecting rental income from the other, or add another income-producing property to your portfolio. An opportunity you won’t want to miss!

BMN Estimate

Get the number an algorithm can't give you

A free agent CMA factors in condition, upgrades, and the street — the things comps alone can't see.

Recently Sold Nearby

Price & Status History

Market Insights

Property Timeline

👁️
Showing Instructions Updated
Nov 4, 2026
New showing requirements
🏠
Listed for Sale
Nov 4, 2026
$339,900
Original listing
Agent: We Close Deals Team Office: Lamacchia Realty, Inc.

Tax History

Year Taxes Assessment
2026 $4,267 $309,900

Financial Details

Annual Property Tax
$4,267
Tax Year 2026
Assessed Value
$309,900

Facts & Features

2 Car Garage

Home Facts

Type Residential Income
Style Multi Family
Year Built 1900
Living Area 1,696 sq ft
Lot Size 0.25 acres
Stories 2
Bedrooms 4
Full Baths 2
Total Rooms 9

Investment Metrics

Units 2
Unit 1 Rent $1,550/mo · N
Unit 2 Rent — · N
Total Monthly Rent $1,550/mo
Gross Income $18,600
Net Operating Income $18,600
Cap Rate 5.47%
Heating None
Cooling None
Flooring Tile, Vinyl
Appliances None
Fireplace None
Basement Unfinished
Laundry None
Features None
Construction None
Architecture None
Roof Shingle
Features None
Pool None
Spa None
Fencing None
Patio/Porch Deck
Garage Spaces 2
Has Garage Yes
Features Paved Drive, Paved
Total Spaces 6
Electric None
Water Public
Sewer Public Sewer
Gas None
Other None

Financial

Annual Tax $4,267
Assessed Value $309,900
Fee Includes None
Amenities None
Optional Fee Includes None
Lead Paint Unknown
Seller Disclosures First Floor Tenant Is Month To Month. Oil Heat First Floor And Electric Heat Upstairs. Roof Replaced 2021, Electrical Updated 2021, Interior Paint 2021, Exterior Paint 2024, Water Heater 2023, Insulation In Attic 2025. Please Be Mindful Of Cat On First Floor.
Possession None
Accepted Financing None
Structure Type []
House Color White
Sq Ft Source Public Record
Documents None
County Worcester

Property Overview

Property Type
Multi Family
Listing Type
For Sale
Year Built
1900
Bedrooms
4
Full Bathrooms
2
Living Area
1,696 sq ft
Total Rooms
9
Stories
2
Levels
2

Floor Layout

Interior Features

Flooring: Tile, Vinyl
Appliances:
Interior Features:
Windows:
Basement: Unfinished
Laundry:
Security:

Construction & Materials

Year Built: 1900
Structure Type:
Exterior Materials:
Roof: Shingle
Foundation: Block
Stories: 2

Utilities & Systems

Heating:
Cooling:
Hot Water:
Water Source: Public
Sewer: Public Sewer
Energy Features:

Exterior & Lot

Exterior Features:
Patio & Porch: Deck
Fencing:
Other Structures: Shed(s)
Lot Features:
Road Surface:

Parking & Garage

Garage Spaces: 2
Total Parking Spaces: 6
Parking Features: Paved Drive, Paved
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
E

Elementary Schools

2 schools
Wachusett Hills Christian School
3.0 mi
Grades K-08
C-
Gardner Elementary School
1.5 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
M

Middle Schools

1 school
D
Gardner Middle School
1.4 mi | #335 of 352 | Score: 27.0
Dropped 4 spots from last year
-31.2 below state avg
528 students Diverse
Grades 05-07
H

High Schools

2 schools
C+
Gardner High School
1.4 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
D
Gardner Academy for Learning and Technology
1.0 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
Learn about these ratings

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 $356
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

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

Loading map...

Neighborhood

17 Sand St, Gardner MA 01440

Gardner, MA 01440

Listing Information

Listing Agent We Close Deals Team
Listing Office Lamacchia Realty, Inc.
Office Phone 508-832-5324
Agent MLS ID TM358936
Office MLS ID AN8507
Listing Data Updated Nov 4, 2026 11:13 AM EST
Listing information is deemed reliable but not guaranteed. Data provided by MLS Property Information Network, Inc. All information should be independently verified.

Contact Us

BMN Boston Real Estate
BMN Boston Real Estate
BMN Boston Powered by SERHANT
Ask about this property — free, no obligation.

Similar Homes for Sale

Comparable Properties

Customize Comparable Search

Finding comparable properties...

Market Analytics for Gardner, MA

Real-time market trends and pricing data for this area

Loading market insights for Gardner.