255 Greenwood St, Gardner MA 01440
Gardner, MA 01440
$375,000
Est. $2,471/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
Welcome to 255 Greenwood St, a two-family home in the heart of Gardner offering the kind of flexibility buyers are looking for: a beautifully renovated unit ready for its next owner or tenant, immediate rental income from the second unit, and a large private yard to enjoy. Located close to downtown shopping and restaurants, parks, Route 2 and everyday amenities, this is a property that combines convenience with plenty of potential. Inside the first unit and you’ll find a fresh, inviting 3-bedroom, 1-bath space that has been fully renovated with new flooring, fresh paint, new cabinets and plenty of natural light. Vacant and move-in ready, it’s an ideal setup for an owner-occupant looking to live in one unit while generating rental income from the other, or for an investor adding a turnkey unit to their portfolio. The second unit is currently occupied by tenants-at-will and offers 2 bedrooms and 1 bath, providing immediate rental income. Electric and hot water is separately metered for each unit. The property currently has a shared oil heating system but can be converted to gas. The walkout basement includes a shared washer and dryer, as well as, common storage. Outside, the large, private yard lined with trees gives you room to entertain, relax or simply enjoy having more outdoor space. Off-street parking adds everyday convenience, while the sidewalk-lined street makes it convenient. The concrete pad near the driveway is the footprint of the former garage, with electricity available and potential to rebuild within the existing footprint. Whether you’re looking for a Gardner investment property or a two-family home with owner-occupant potential, 255 Greenwood St offers a lot to work with in a convenient location. Come take a look and see the possibilities for yourself!
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Recently Sold Nearby
Property History
Property Timeline
Listed for Sale
Sep 24, 2026
$375,000
Original listing
Agent: Sharie Warila
Office: Keller Williams Realty Boston Northwest
| Date | Event | Price | Change | $/sqft | Details |
|---|---|---|---|---|---|
| 09/24/2026 | 🏠 Listed for Sale | $375,000 | - | - | Original listing |
Tax History
| Year | Taxes | Assessment |
|---|---|---|
| 2026 | $4,501 | $326,900 |
Financial Details
Annual Property Tax
$4,501
Tax Year 2026
Assessed Value
$326,900
Facts & Features
Home Facts
Type
Residential Income
Style
2 Family - 2 Units Up/Down
Year Built
1930
Living Area
1,953 sq ft
Lot Size
0.29 acres
Stories
2
Bedrooms
5
Full Baths
2
Total Rooms
9
Investment Metrics
Units
2
Unit 1 Rent
— · N
Unit 2 Rent
$1,100/mo · N
Total Monthly Rent
$1,100/mo
Gross Income
$13,200
Net Operating Income
$13,200
Cap Rate
3.52%
Interior
Heating
Oil, Hot Water
Cooling
None
Flooring
Carpet, Laminate, Hardwood
Appliances
Washer, Dryer, Range, Refrigerator
Fireplace
None
Basement
Full, Walk-out Access, Interior Entry, Concrete, Unfinished
Laundry
Electric Dryer Hookup, Washer Hookup
Features
Laundry Room, Mudroom, Upgraded Cabinets, Bathroom With Tub & Shower, Remodeled, Internet Available - Unknown, Ceiling Fan(s), Living Room, Kitchen, Sunroom, Living Rm/dining Rm Combo
Exterior
Construction
Frame
Architecture
None
Roof
Shingle
Features
None
Pool
None
Spa
None
Fencing
None
Patio/Porch
Porch, Deck
Parking
Features
Paved Drive, Off Street, Paved
Total Spaces
6
Utilities
Electric
Common, Individually Metered
Water
Public
Sewer
Public Sewer
Gas
None
Other
For Electric Range, For Electric Dryer, Washer Hookup
Financial
Annual Tax
$4,501
Assessed Value
$326,900
HOA & Community
Fee Includes
None
Amenities
None
Optional Fee Includes
None
MA Disclosures
Lead Paint
Unknown
Seller Disclosures
Buyer And Buyers Agent To Verify All Information Correct. Unit One Is Vacant. Unit 2 Tenants Are Tenants-at-will. Currently Heated With Oil But Does Have The Option To Covert To Gas. Electric And Hot Water Are Separated.
Exclusions
Tenants Personal Property And Staging Furniture.
Additional Details
Possession
None
Accepted Financing
None
Structure Type
[]
House Color
White
Sq Ft Source
Measured
Sq Ft Disclosures
Buyer and buyers agent to verify measurements.
Documents
None
County
Worcester
Property Overview
Property Type
2 Family - 2 Units Up/Down
Listing Type
For Sale
Year Built
1930
Bedrooms
5
Full Bathrooms
2
Living Area
1,953 sq ft
Total Rooms
9
Stories
2
Levels
2
Floor Layout
Interactive room guide
Floor Layout
Finished Area
1,953 sq ft above grade
Display Options
Outdoor Areas
Patio & porchPorch, Deck
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:
Carpet, Laminate, Hardwood
Appliances:
Washer, Dryer, Range, Refrigerator
Interior Features:
Laundry Room, Mudroom, Upgraded Cabinets, Bathroom With Tub & Shower, Remodeled, Internet Available - Unknown, Ceiling Fan(s), Living Room, Kitchen, Sunroom, Living RM/Dining RM Combo
Windows:
Insulated Windows
Basement:
Full, Walk-Out Access, Interior Entry, Concrete, Unfinished
Laundry:
Electric Dryer Hookup, Washer Hookup
Security:
Construction & Materials
Year Built:
1930
Structure Type:
Exterior Materials:
Frame
Roof:
Shingle
Foundation:
Concrete Perimeter
Stories:
2
Heating, Cooling & Utilities
Heating:
Oil, Hot Water
Cooling:
None
Hot Water:
Oil, Tank
Water Source:
Public
Sewer:
Public Sewer
Energy Features:
Exterior & Lot
Exterior Features:
Patio & Porch:
Porch, Deck
Fencing:
Other Structures:
Lot Features:
Cleared
Road Surface:
Parking & Garage
Total Parking Spaces:
6
Parking Features:
Paved Drive, 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
2.7 mi
Grades K-08
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
Middle Schools
1 school
D
Gardner Middle School
1.7 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
1.6 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
1.0 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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Loan Amount
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Total Interest
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Over life of loan
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Including down payment
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Down: $0
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Monthly Payment Breakdown
Principal & Interest
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Property Tax
$375
Homeowners Insurance
$200
PMI (if <20% down)
$0
Loan Summary
Total of 360 payments
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Rate Impact
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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
255 Greenwood St, Gardner MA 01440
Gardner, MA 01440
Listing Information
Listing Agent
Sharie Warila
Listing Office
Keller Williams Realty Boston Northwest
Office Phone
978-369-5775
Agent MLS ID
CN239189
Office MLS ID
BB3298
Listing Data Updated
Sep 24, 2026 7:59 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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