190 Pine St, Gardner MA 01440
Gardner, MA 01440
$408,000
Est. $2,682/month
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About this home
Well maintained 2 family with large unfinished attic 1st floor unit has a pellet stove in the middle of the unit. 2nd floor unit has a heatpump but the seller has no information about the condition. Both units have the same floor plan and both have 2 bedrooms, 1 bath, large kitchen with separate galley. All appliances will be included as shown. Further enhancing the property's functionality is a single garage space, providing convenient parking and storage solutions. The generous 6530 square foot lot size offers ample outdoor space for various potential uses. To explore the potential of this compelling multi-family property, we encourage you to schedule a private viewing.
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Recently Sold Nearby
Property History
Property Timeline
Listed for Sale
Sep 3, 2026
$408,000
Original listing
Agent: Harold J. Salant
Office: One Call Realty
| Date | Event | Price | Change | $/sqft | Details |
|---|---|---|---|---|---|
| 09/03/2026 | 🏠 Listed for Sale | $408,000 | - | - | Original listing |
Tax History
| Year | Taxes | Assessment |
|---|---|---|
| 2026 | $5,026 | $365,000 |
Financial Details
Annual Property Tax
$5,026
Tax Year 2026
Assessed Value
$365,000
Facts & Features
1 Car Garage
Home Facts
Type
Residential Income
Style
Multi Family
Year Built
1905
Living Area
2,702 sq ft
Lot Size
0.15 acres
Stories
2
Bedrooms
4
Full Baths
2
Total Rooms
10
Investment Metrics
Units
2
Unit 1 Rent
— · N
Unit 2 Rent
— · N
Interior
Heating
Central, Natural Gas
Cooling
None
Flooring
None
Appliances
None
Fireplace
None
Basement
Full, Walk-out Access, Interior Entry, Garage Access
Laundry
None
Features
Living Room, Dining Room, Kitchen
Exterior
Construction
Frame
Architecture
None
Roof
Shingle
Features
None
Pool
None
Spa
None
Fencing
None
Patio/Porch
Porch
Parking
Garage Spaces
1
Has Garage
Yes
Features
Shared Driveway, Off Street, Paved
Total Spaces
5
Utilities
Electric
None
Water
Public
Sewer
Public Sewer
Gas
None
Other
None
Financial
Annual Tax
$5,026
Assessed Value
$365,000
HOA & Community
Fee Includes
None
Amenities
None
Optional Fee Includes
None
MA Disclosures
Lead Paint
Unknown
Seller Disclosures
2nd Floor Furnace Broke And Is Now Tied Into 1st Floor Unit. 2nd Floor Heatpump But Owner Has No Knowledge If Working. Solar Panels Were Installed When Roof Was Replaced Around 2019, And Owner Stopped Making Payments When Installment Increased.
Additional Details
Possession
None
Accepted Financing
None
Structure Type
[]
Sq Ft Source
Public Record
Sq Ft Disclosures
LIVING AREA IS FROM PUBLIC RECORD. BUYER AND BUYERS AGENT TO CONFIRM. L.A. MAKES NO WARRANTY
Documents
None
County
Worcester
Total market time (incl. prior listings)
1 days
Property Overview
Property Type
Multi Family
Listing Type
For Sale
Year Built
1905
Bedrooms
4
Full Bathrooms
2
Living Area
2,702 sq ft
Total Rooms
10
Stories
2
Levels
2
Floor Layout
Interactive room guide
Floor Layout
Finished Area
2,702 sq ft above grade
Display Options
Outdoor Areas
Patio & porchPorch
Room Markers
BABathroom (4)
BRBedroom (5)
DDining (1)
KKitchen (1)
LLiving (2)
OOffice (1)
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:
Living Room, Dining Room, Kitchen
Windows:
Basement:
Full, Walk-Out Access, Interior Entry, Garage Access
Laundry:
Security:
Construction & Materials
Year Built:
1905
Structure Type:
Exterior Materials:
Frame
Roof:
Shingle
Foundation:
Concrete Perimeter
Stories:
2
Heating, Cooling & Utilities
Heating:
Central, Natural Gas
Cooling:
Hot Water:
Water Source:
Public
Sewer:
Public Sewer
Energy Features:
Exterior & Lot
Exterior Features:
Patio & Porch:
Porch
Fencing:
Other Structures:
Lot Features:
Gentle Sloping
Road Surface:
Parking & Garage
Garage Spaces:
1
Total Parking Spaces:
5
Parking Features:
Shared Driveway, Off Street, Paved
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
2.4 mi
Grades K-08
C-
Gardner Elementary School
1.0 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
1.2 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
1.1 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
0.5 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
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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
$419
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
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
190 Pine St, Gardner MA 01440
Gardner, MA 01440
Listing Information
Listing Agent
Harold J. Salant
Listing Office
One Call Realty
Office Phone
617-782-2255
Agent MLS ID
E9500648
Office MLS ID
E95078
Listing Data Updated
Sep 2, 2026 10:57 PM 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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