205 Pine St, Gardner MA 01440
Gardner, MA 01440
$525,000
$515,000
Est. $3,293/month
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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
Market Insights
1
Price Changes
1.9%
Price Range
Property Timeline
Price Reduced
Aug 11, 2026
$515,000
$10,000
(-1.9%)
From $525,000 to $515,000 (-1.9%)
Listed for Sale
Jul 14, 2026
$525,000
Original listing
Agent: Daiana Diaz
Office: Coldwell Banker Realty - Leominster
| Date | Event | Price | Change | $/sqft | Details |
|---|---|---|---|---|---|
| 08/11/2026 | ↓ Price Reduced | $515,000 | $10,000 | - | From $525,000 to $515,000 (-1.9%) |
| 07/14/2026 | 🏠 Listed for Sale | $525,000 | - | - | Original listing |
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
Stories
3
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
7.46%
Interior
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
Exterior
Construction
Frame
Architecture
None
Roof
None
Features
None
Pool
None
Spa
None
Fencing
None
Patio/Porch
Enclosed
Parking
Features
Paved Drive, Assigned
Total Spaces
6
Utilities
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
HOA & Community
Fee Includes
None
Amenities
None
Optional Fee Includes
None
Down Payment Resource
Eligible
MA Disclosures
Lead Paint
Unknown
Seller Disclosures
Seller Reserves The Right To Rent Unit 2 Prior To Any Accepted Offer.
Additional Details
Possession
None
Accepted Financing
Contract
Structure Type
[]
House Color
White
Sq Ft Source
Public Record
Documents
None
County
Worcester
Total market time (incl. prior listings)
32 days
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
Floor Layout
Interactive room guide
Floor Layout
Finished Area
1,816 sq ft above grade
Display Options
Outdoor Areas
Patio & porchEnclosed
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:
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
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
1.1 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
Middle Schools
1 school
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
High Schools
2 schools
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
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
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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
$489
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
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
Aug 15, 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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