184-186 Ash St, Gardner MA 01440

Gardner, MA 01440
$575,000
Est. $3,745/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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5
Beds
2.5
Baths
2,368
Sq Ft
$243
Price/Sq Ft
0.53
Acres
1920
Year Built
4
Parking
New today
Time on Market
For Sale Listed Oct 21, 2026 • MLS# 73593220 Copied! • Updated Oct 21, 2026

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About this home

VERSATILE TWO-FAMILY WITH ROOM TO SPREAD OUT! Whether you're looking for a spacious home with separate living areas for multi-generational living or an income-producing property to help offset your mortgage, this beautifully updated home delivers! The main unit offers 3 bedrooms, 1.5 baths, gleaming hardwood floors, an impressive vaulted great room with skylights, and an updated open-concept kitchen featuring an island and breakfast bar. The second unit offers 2 bedrooms, modern updates, beautiful bamboo hardwood flooring, and an open kitchen and living room layout. Separate utilities add convenience and flexibility, while new vinyl siding enhances curb appeal and minimizes maintenance. Step outside to your spacious, level, fenced-in backyard featuring a covered patio with paving stones and a stone fire pit—an ideal setting for summer barbecues, entertaining friends, or simply relaxing outdoors! With flexible living arrangements, income potential, and inviting indoor and outdoor spaces, this is a property that truly offers the best of both worlds! COMES WITH A FREE ONE YEAR HOME WARRANTY FOR ADDED PEACE OF MIND!

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Recently Sold Nearby

Price & Status History

Property Timeline

🏠
Listed for Sale
Oct 21, 2026
$575,000
Original listing
Agent: Kevin Cormier Office: EXIT New Options Real Estate

Tax History

Year Taxes Assessment
2026 $7,644 $555,100

Financial Details

Annual Property Tax
$7,644
Tax Year 2026
Assessed Value
$555,100

Facts & Features

Home Facts

Type Residential Income
Style Multi Family
Year Built 1920
Living Area 2,368 sq ft
Lot Size 0.53 acres
Stories 3
Bedrooms 5
Full Baths 2
Half Baths 1
Total Rooms 10

Investment Metrics

Units 2
Unit 1 Rent — · N
Unit 2 Rent — · N
Heating Electric, Forced Air, Oil
Cooling None
Flooring None
Appliances Range, Dishwasher, Microwave, Refrigerator
Fireplace None
Basement Full
Laundry None
Features None
Construction None
Architecture None
Roof None
Features None
Pool None
Spa None
Fencing None
Patio/Porch None
Features Paved Drive
Total Spaces 4
Electric Circuit Breakers
Water Public
Sewer Public Sewer
Gas None
Other None

Financial

Annual Tax $7,644
Assessed Value $555,100
Fee Includes None
Amenities None
Optional Fee Includes None
Lead Paint Unknown
Seller Disclosures Also Listed As Single Family With Adu Mls#73593213
Possession None
Accepted Financing None
Structure Type []
Sq Ft Source Public Record
Documents None
County Worcester

Property Overview

Property Type
Multi Family
Listing Type
For Sale
Year Built
1920
Bedrooms
5
Full Bathrooms
2
Half Bathrooms
1
Living Area
2,368 sq ft
Total Rooms
10
Stories
3
Levels
3

Floor Layout

Interior Features

Flooring:
Appliances: Range, Dishwasher, Microwave, Refrigerator
Interior Features:
Windows:
Basement: Full
Laundry:
Security:

Construction & Materials

Year Built: 1920
Structure Type:
Exterior Materials:
Roof:
Foundation: Concrete Perimeter, Stone
Stories: 3

Utilities & Systems

Heating: Electric, Forced Air, Oil
Cooling:
Hot Water: Oil
Water Source: Public
Sewer: Public Sewer
Energy Features:

Exterior & Lot

Exterior Features:
Patio & Porch:
Fencing:
Other Structures:
Lot Features: Level
Road Surface: Paved

Parking & Garage

Total Parking Spaces: 4
Parking Features: Paved Drive
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

3 schools
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
Wachusett Hills Christian School
3.1 mi
Grades K-08
C+
Templeton Elementary School
3.8 mi | #514 of 825 | Score: 44.3
Improved 99 spots from last year
-13.9 below state avg
549 students Moderate
Rising School Strong Attendance
Grades PK-04
M

Middle Schools

3 schools
D
Gardner Middle School
1.3 mi | #335 of 352 | Score: 27.0
Dropped 4 spots from last year
-31.2 below state avg
528 students Diverse
Grades 05-07
C-
Narragansett Middle School
3.7 mi | #314 of 352 | Score: 30.5
Dropped 53 spots from last year
-27.7 below state avg
345 students Less Diverse
Grades 05-07
B
Overlook Middle School
4.2 mi | #169 of 352 | Score: 42.9
Dropped 6 spots from last year
-15.4 below state avg
564 students Less Diverse
Strong Attendance
Grades 06-08
H

High Schools

3 schools
D
Gardner Academy for Learning and Technology
1.1 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
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
B-
Narragansett Regional High School
3.6 mi | #207 of 346 | Score: 51.7
Improved 42 spots from last year
-6.5 below state avg
471 students Less Diverse
14 sports • 628 athletes
Early College Program High Graduation Rate Rising School Career Tech Programs
Grades 08-12
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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 $637
Homeowners Insurance $200
PMI (if <20% down) $0

Loan Summary

Total of 360 payments $0
Total principal paid $0
Total interest paid $0

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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

184-186 Ash St, Gardner MA 01440

Gardner, MA 01440

Listing Information

Listing Agent Kevin Cormier
Listing Office EXIT New Options Real Estate
Office Phone 978-345-3948
Agent MLS ID CN239388
Office MLS ID H95173
Listing Data Updated Oct 21, 2026 8:43 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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