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205 Pine St, Gardner MA 01440

Gardner, MA 01440
$525,000
Est. $3,344/month
5
Beds
3
Baths
1,816
Sq Ft
$289
Price/Sq Ft
0.26
Acres
1910
Year Built
6
Parking
4 hours 52 minutes
Time on Market
Active Open House Listed Jul 14, 2026 • MLS# 73549176 Copied! • Updated Jul 14, 2026

Open House Schedule

18
Jul
Saturday, July 18
11:00 AM - 1:00 PM EDT
19
Jul
Sunday, July 19
10:30 AM - 12:00 PM EDT

About this home

This well maintained three family property presents an excellent investment opportunity in a convenient location close to shopping, schools, major highways, and a variety of local amenities.The basement unit features a one bedroom apartment with electric heat. The first floor unit offers two bedrooms and is heated by a gas on gas heating system with separate electric service. The third floor unit also includes two bedrooms, gas on gas heat, and separate electric service. All tenants are responsible for paying their own utilities, making this an attractive income producing property.Additional features include two tandem parking spaces assigned to each unit and a spacious shared backyard, providing ample outdoor space for residents to enjoy.

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Recently Sold Nearby

Property History

Property Timeline

🏠
Listed for Sale
Jul 14, 2026
$525,000
Original listing
Agent: Daiana Diaz Office: Coldwell Banker Realty - Leominster

Tax History

Year Taxes Assessment
2026 $5,869 $426,200

Financial Details

Annual Property Tax
$5,869
Tax Year 2026
Assessed Value
$426,200

Facts & Features

Home Facts

Type Residential Income
Style 3 Family
Year Built 1910
Living Area 1,816 sq ft
Lot Size 0.26 acres
Bedrooms 5
Full Baths 3
Total Rooms 17

Investment Metrics

Units 3
Unit 1 Rent $1,750/mo · N
Unit 2 Rent $1,785/mo · N
Unit 3 Rent $1,200/mo
Total Monthly Rent $4,735/mo
Gross Income $38,400
Net Operating Income $38,400
Cap Rate 7.31%
Heating Natural Gas, Electric
Cooling None
Flooring Wood, Carpet
Appliances Range, Refrigerator
Fireplace None
Basement Partial, Finished, Walk-out Access, Interior Entry
Laundry Washer & Dryer Hookup, Washer Hookup
Features Ceiling Fan(s), Bathroom With Tub, Living Room, Kitchen, Sunroom, Mudroom
Construction Frame
Architecture None
Roof None
Features None
Pool None
Spa None
Fencing None
Patio/Porch Enclosed
Features Paved Drive, Assigned
Total Spaces 6
Electric 200+ Amp Service
Water Public
Sewer Public Sewer
Gas None
Other For Gas Range, Washer Hookup

Financial

Annual Tax $5,869
Assessed Value $426,200
Fee Includes None
Amenities None
Optional Fee Includes None
Seller Disclosures Seller Reserves The Right To Rent Unit 2 Prior To Any Accepted Offer.
Possession None
Accepted Financing Contract
Structure Type []
House Color White
Sq Ft Source Public Record
Documents None
County Worcester

Property Overview

Property Type
3 Family
Listing Type
For Sale
Year Built
1910
Bedrooms
5
Full Bathrooms
3
Living Area
1,816 sq ft
Total Rooms
17
Stories
3
Levels
3

Room Details

Other Floor

Bathroom1
Bedroom5
Bedroom4
Bedroom3
Dining Room
Kitchen
Bathroom2
Bedroom2
Living Room
Bathroom3
Master Bedroom
Office
Family Room
Master Bathroom

Interior Features

Flooring: Wood, Carpet
Appliances: Range, Refrigerator
Interior Features: Ceiling Fan(s), Bathroom With Tub, Living Room, Kitchen, Sunroom, Mudroom
Windows:
Basement: Partial, Finished, Walk-Out Access, Interior Entry
Laundry: Washer & Dryer Hookup, Washer Hookup
Security:

Construction & Materials

Year Built: 1910
Structure Type:
Exterior Materials: Frame
Roof:
Foundation: Concrete Perimeter
Stories: 3

Heating, Cooling & Utilities

Heating: Natural Gas, Electric
Cooling:
Hot Water: Natural Gas, Electric
Water Source: Public
Sewer: Public Sewer
Energy Features:

Exterior & Lot

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

Parking & Garage

Total Parking Spaces: 6
Parking Features: Paved Drive, Assigned
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
1.1 mi | #669 of 824 | Score: 37.5
Improved 96 spots from last year
-20.7 below state avg
1,087 students Diverse
Rising School Diverse Student Body
Grades PK-04
Wachusett Hills Christian School
2.4 mi
Grades K-08
C+
Templeton Elementary School
4.0 mi | #518 of 824 | Score: 44.2
Improved 95 spots from last year
-14 below state avg
581 students Less Diverse
Rising School
Grades PK-04
M

Middle Schools

3 schools
F
Gardner Middle School
1.2 mi | #338 of 352 | Score: 26.8
Dropped 7 spots from last year
-31.4 below state avg
514 students Diverse
Grades 05-07
B
Overlook Middle School
4.0 mi | #170 of 352 | Score: 42.8
Dropped 7 spots from last year
-15.4 below state avg
576 students Less Diverse
Grades 06-08
C-
Narragansett Middle School
4.3 mi | #304 of 352 | Score: 31.0
Dropped 43 spots from last year
-27.2 below state avg
366 students Less Diverse
Grades 05-07
H

High Schools

3 schools
D
Gardner Academy for Learning and Technology
0.6 mi | #331 of 346 | Score: 26.7
Improved 48 spots from last year
-31.6 below state avg
123 students Diverse
Early College Program Rising School Career Tech Programs
Grades 09-12
C+
Gardner High School
1.2 mi | #239 of 346 | Score: 47.5
Improved 74 spots from last year
-10.7 below state avg
808 students Diverse
15 sports • 820 athletes
Early College Program High Graduation Rate Rising School Career Tech Programs
Grades 08-12
B+
Oakmont Regional High School
4.0 mi | #119 of 346 | Score: 58.8
Dropped 4 spots from last year
+0.6 above state avg
633 students Less Diverse
15 sports • 1,130 athletes
High Graduation Rate College Ready Curriculum Strong Athletics Strong Attendance
Grades 09-12
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Monthly Payment Breakdown

Principal & Interest $0
Property Tax $489
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

205 Pine St, Gardner MA 01440

Gardner, MA 01440

Listing Information

Listing Agent Daiana Diaz
Listing Office Coldwell Banker Realty - Leominster
Office Phone 978-840-4014
Agent MLS ID CN261006
Office MLS ID AN6215
Listing Data Updated Jul 14, 2026 9:34 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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