287 Pine St, Gardner MA 01440
Gardner, MA 01440
$399,000
$385,000
Est. $2,521/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
Take your pick!! Both units are to be delivered vacant This well-maintained two-family property presents an excellent opportunity for investors or owner-occupants seeking rental income. The first-floor unit features a comfortable 1-bedroom layout with the option of adding a second bedroom. As well as the convenience of laundry located in the basement. The second-floor unit offers 2 bedrooms and a functional floor plan designed for comfortable living, with laundry hookups in unit. Both units showcase beautiful hardwood floors, adding warmth and character throughout. With separate living spaces and strong rental appeal, this property is ideal for expanding your investment portfolio or generating supplemental income. Ample off street parking. Detached garage for potential additional income. Both units will be delivered empty. Conveniently located within walking distance to grocery, bus routes and full of potential, this multi-family home is a fantastic opportunity you won't want to miss. Schedule your showing today!
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Recently Sold Nearby
Property History
Market Insights
1
Price Changes
3.5%
Price Range
Property Timeline
Contingency Update
Sep 13, 2026
Pending P&S
Status: Active under contract
Sep 8, 2026
Active → Active Under Contract
Showing Instructions Updated
Sep 7, 2026
New showing requirements
Pending Sale
Sep 2, 2026
Offer accepted, sale pending
Price Reduced
Aug 25, 2026
$385,000
$14,000
(-3.51%)
From $399,000 to $385,000 (-3.5%)
Back On Market
Aug 24, 2026
Active
Status: Active under contract
Aug 17, 2026
Active → Active Under Contract
Showing Instructions Updated
Jul 22, 2026
New showing requirements
Back On Market
Jul 22, 2026
Active
Status: Active under contract
Jul 13, 2026
Active → Active Under Contract
Listed for Sale
Jun 24, 2026
$399,000
Original listing
Agent: Team Molet
Office: Keller Williams Realty North Central
| Date | Event | Price | Change | $/sqft | Details |
|---|---|---|---|---|---|
| 09/13/2026 | 📝 Contingency Update | - | - | - | Pending P&S |
| 09/08/2026 | 📋 Status: Active under contract | - | - | - | Active → Active Under Contract |
| 09/07/2026 | 👁️ Showing Instructions Updated | - | - | - | New showing requirements |
| 09/02/2026 | ⏳ Pending Sale | - | - | - | Offer accepted, sale pending |
| 08/25/2026 | ↓ Price Reduced | $385,000 | $14,000 | - | From $399,000 to $385,000 (-3.5%) |
| 08/24/2026 | • Back On Market | - | - | - | Active |
| 08/17/2026 | 📋 Status: Active under contract | - | - | - | Active → Active Under Contract |
| 07/22/2026 | 👁️ Showing Instructions Updated | - | - | - | New showing requirements |
| 07/22/2026 | • Back On Market | - | - | - | Active |
| 07/13/2026 | 📋 Status: Active under contract | - | - | - | Active → Active Under Contract |
| 06/24/2026 | 🏠 Listed for Sale | $399,000 | - | - | Original listing |
Tax History
| Year | Taxes | Assessment |
|---|---|---|
| 2026 | $4,495 | $326,400 |
Financial Details
Annual Property Tax
$4,495
Tax Year 2026
Assessed Value
$326,400
Facts & Features
1 Car Garage
Home Facts
Type
Residential Income
Style
2 Family - 2 Units Up/Down
Year Built
1910
Living Area
1,738 sq ft
Lot Size
0.18 acres
Stories
2
Bedrooms
3
Full Baths
2
Total Rooms
10
Investment Metrics
Units
2
Unit 1 Rent
$1,600/mo · N
Unit 2 Rent
$1,750/mo · N
Total Monthly Rent
$3,350/mo
Gross Income
$39,600
Net Operating Income
$39,600
Cap Rate
10.29%
Interior
Heating
Baseboard, Natural Gas
Cooling
None
Flooring
Hardwood
Appliances
Range, Dishwasher, Refrigerator, Washer, Dryer
Fireplace
None
Basement
Full, Walk-out Access, Interior Entry, Concrete, Unfinished
Laundry
Electric Dryer Hookup, Washer Hookup
Features
Bathroom With Tub & Shower, Internet Available - Unknown, Ceiling Fan(s), Living Room, Kitchen, Laundry Room
Exterior
Construction
Conventional (2x4-2x6)
Architecture
None
Roof
Shingle
Features
None
Pool
None
Spa
None
Fencing
None
Patio/Porch
None
Parking
Garage Spaces
1
Has Garage
Yes
Features
Paved Drive, Off Street
Total Spaces
5
Utilities
Electric
200+ Amp Service
Water
Public
Sewer
Public Sewer
Gas
None
Other
For Electric Range, For Electric Dryer, Washer Hookup
Financial
Annual Tax
$4,495
Assessed Value
$326,400
HOA & Community
Fee Includes
None
Amenities
None
Optional Fee Includes
None
Down Payment Resource
Eligible
MA Disclosures
Lead Paint
Unknown
Seller Disclosures
Both Units Umoccupied. Rear Fire Escape Functional But In Need Of Repair. Driveway Easement With The Neighbor.
Exclusions
2nd Floor Washer And Dryer. Tenants Personal Property.
Additional Details
Possession
None
Accepted Financing
Contract
Structure Type
[]
House Color
blue
Sq Ft Source
Public Record
Sq Ft Disclosures
2nd floor storage room with laundry hook-ups, 1st floor could be 2 bedroom
Documents
None
County
Worcester
Total market time (incl. prior listings)
90 days
Property Overview
Property Type
2 Family - 2 Units Up/Down
Listing Type
Sale Pending
Year Built
1910
Bedrooms
3
Full Bathrooms
2
Living Area
1,738 sq ft
Total Rooms
10
Stories
2
Levels
2
Floor Layout
Interactive room guide
Floor Layout
Finished Area
1,738 sq ft above grade
Display Options
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:
Hardwood
Appliances:
Range, Dishwasher, Refrigerator, Washer, Dryer
Interior Features:
Bathroom With Tub & Shower, Internet Available - Unknown, Ceiling Fan(s), Living Room, Kitchen, Laundry Room
Windows:
Basement:
Full, Walk-Out Access, Interior Entry, Concrete, Unfinished
Laundry:
Electric Dryer Hookup, Washer Hookup
Security:
Construction & Materials
Year Built:
1910
Structure Type:
Exterior Materials:
Conventional (2x4-2x6)
Roof:
Shingle
Foundation:
Concrete Perimeter
Stories:
2
Heating, Cooling & Utilities
Heating:
Baseboard, Natural Gas
Heating Zones:
2
Cooling:
None
Hot Water:
Natural Gas
Water Source:
Public
Sewer:
Public Sewer
Energy Features:
Exterior & Lot
Exterior Features:
Patio & Porch:
Fencing:
Other Structures:
Lot Features:
Gentle Sloping
Road Surface:
Paved
Parking & Garage
Garage Spaces:
1
Total Parking Spaces:
5
Parking Features:
Paved Drive, Off Street
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
|
#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
1.3 mi
|
#335 of 352
|
Score: 27.0
Dropped 4 spots from last year
-31.2 below state avg
528 students
Diverse
Grades 05-07
High Schools
2 schools
C+
Gardner High School
1.2 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
0.6 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
Learn about these ratings
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
$375
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
287 Pine St, Gardner MA 01440
Gardner, MA 01440
Listing Information
Listing Agent
Team Molet
Listing Office
Keller Williams Realty North Central
Office Phone
978-840-9000
Agent MLS ID
TM341770
Office MLS ID
K95580
Listing Data Updated
Sep 23, 2026 3:30 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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