18 Knowlton St, Gardner MA 01440
Gardner, MA 01440
$439,999
$429,999
Est. $2,613/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
Fully gut-renovated multi-family with permitted 2021 renovation — this property underwent a comprehensive top-to-bottom renovation completed under full permit in 2021, including brand-new boilers, all-new plumbing, and all-new electrical systems throughout. Every kitchen was fully renovated with new cabinetry and new appliances. The property has been professionally managed and well-maintained since renovation. Currently tenant-occupied at will; the first-floor unit will be delivered vacant at closing — ideal for an owner-occupant or investor seeking immediate income with upside. Don't miss this turnkey opportunity in a renovated, low-maintenance asset.
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Recently Sold Nearby
Property History
Market Insights
1
Price Changes
2.3%
Price Range
Property Timeline
Showing Instructions Updated
Sep 8, 2026
New showing requirements
Price Reduced
Sep 8, 2026
$429,999
$10,000
(-2.27%)
From $439,999 to $429,999 (-2.3%)
Showing Instructions Updated
Aug 14, 2026
New showing requirements
Listed for Sale
Aug 13, 2026
$439,999
Original listing
Agent: Olivia Grabka
Office: Realty Negotiations, LLC
| Date | Event | Price | Change | $/sqft | Details |
|---|---|---|---|---|---|
| 09/08/2026 | 👁️ Showing Instructions Updated | - | - | - | New showing requirements |
| 09/08/2026 | ↓ Price Reduced | $429,999 | $10,000 | - | From $439,999 to $429,999 (-2.3%) |
| 08/14/2026 | 👁️ Showing Instructions Updated | - | - | - | New showing requirements |
| 08/13/2026 | 🏠 Listed for Sale | $439,999 | - | - | Original listing |
Tax History
| Year | Taxes | Assessment |
|---|---|---|
| 2026 | $2,868 | $208,300 |
Financial Details
Annual Property Tax
$2,868
Tax Year 2026
Assessed Value
$208,300
Facts & Features
Home Facts
Type
Residential Income
Style
Multi Family
Year Built
1895
Living Area
1,838 sq ft
Lot Size
0.10 acres
Stories
2
Bedrooms
4
Full Baths
2
Total Rooms
10
Investment Metrics
Units
2
Unit 1 Rent
$1,600/mo · N
Unit 2 Rent
$1,600/mo · N
Total Monthly Rent
$3,200/mo
Gross Income
$38,400
Net Operating Income
$38,400
Cap Rate
8.93%
Interior
Heating
None
Cooling
None
Flooring
None
Appliances
None
Fireplace
None
Basement
None
Laundry
None
Features
None
Exterior
Construction
Frame
Architecture
None
Roof
Slate
Features
Balcony
Pool
None
Spa
None
Fencing
None
Patio/Porch
Enclosed
Parking
Features
Paved Drive, Off Street
Total Spaces
6
Utilities
Electric
220 Volts
Water
Public
Sewer
Public Sewer
Gas
None
Other
None
Financial
Annual Tax
$2,868
Assessed Value
$208,300
HOA & Community
Fee Includes
None
Amenities
None
Optional Fee Includes
None
MA Disclosures
Lead Paint
Unknown
Seller Disclosures
Listing Agent Is The Property Owner.
Additional Details
Possession
None
Accepted Financing
None
Structure Type
[]
Sq Ft Source
Public Record
Documents
None
County
Worcester
Total market time (incl. prior listings)
30 days
Property Overview
Property Type
Multi Family
Listing Type
For Sale
Year Built
1895
Bedrooms
4
Full Bathrooms
2
Living Area
1,838 sq ft
Total Rooms
10
Stories
2
Levels
2
Floor Layout
Interactive room guide
Floor Layout
Finished Area
1,838 sq ft above grade
Display Options
Outdoor Areas
Patio & porchEnclosed
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:
Appliances:
Interior Features:
Windows:
Basement:
Laundry:
Security:
Construction & Materials
Year Built:
1895
Structure Type:
Exterior Materials:
Frame
Roof:
Slate
Foundation:
Other
Stories:
2
Heating, Cooling & Utilities
Heating:
Cooling:
Hot Water:
Natural Gas
Water Source:
Public
Sewer:
Public Sewer
Energy Features:
Exterior & Lot
Exterior Features:
Balcony
Patio & Porch:
Enclosed
Fencing:
Other Structures:
Lot Features:
Road Surface:
Parking & Garage
Total Parking Spaces:
6
Parking Features:
Paved Drive, Off Street
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
2 schools
Wachusett Hills Christian School
2.6 mi
Grades K-08
C-
Gardner Elementary School
1.2 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
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
High Schools
2 schools
C+
Gardner High School
1.3 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
0.7 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
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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
$239
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
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Current Rate
$0/mo
+0.5% Rate
$0/mo
Cost $0/mo
Payment Over Time
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
18 Knowlton St, Gardner MA 01440
Gardner, MA 01440
Listing Information
Listing Agent
Olivia Grabka
Listing Office
Realty Negotiations, LLC
Office Phone
978-406-5134
Agent MLS ID
CN240157
Office MLS ID
AN5614
Listing Data Updated
Sep 12, 2026 3:05 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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