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3 Cross Street, Gardner MA 01440

Gardner, MA 01440
$269,900
Est. $1,867/month
2
Beds
1
Baths
853
Sq Ft
$316
Price/Sq Ft
0.19
Acres
1952
Year Built
Single Family Residence
Type
17
Days on Market
Pending Listed Dec 4, 2025 • MLS# 73459634 Copied!

About this home

Looking for a house where you can move right in and build equity over time? 3 Cross Street is a sweet two bedroom single level bungalow style home in a neighborhood of classic and updated larger homes, conveniently located between Elm Street and Lawrence Street. The dining/living room and bedrooms have recently refinished hardwood flooring and fresh paint throughout. Built-in accents hint at the handiwork of the furniture craftsmen in Gardner’s history as the Chair City. You’ll see the easy potential for the entry mudroom area to be finished as additional square footage. Front porch and a single car garage. Open houses this weekend, both Saturday and Sunday 10am to noon.

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Property Overview

Property Type
Single Family Residence
Listing Type
For Sale
Year Built
1952
Bedrooms
2
Full Bathrooms
1
Living Area
853 sq ft
Total Rooms
4

Facts & Features

1 Car Garage

Home Facts

Type Residential
Style Single Family Residence
Year Built 1952
Living Area 853 sq ft
Lot Size 0.19 acres
Bedrooms 2
Full Baths 1
Total Rooms 4

Interior

Heating Oil
Cooling None
Flooring Vinyl / Vct, Hardwood
Appliances Range, Refrigerator
Fireplace None
Fireplaces 1
Basement Full
Laundry None
Features None

Exterior

Construction Frame
Architecture Bungalow
Roof Shingle
Features Porch
Pool None
Spa None
Fencing None
Patio/Porch Porch

Parking

Garage Spaces 1
Has Garage Yes
Features Attached, Off Street, Paved
Total Spaces 3

Utilities

Electric Fuses
Water Public
Sewer Public Sewer
Gas None
Other For Electric Oven

Financial

Annual Tax $3,623
Assessed Value $252,300

Interior Features

Flooring: Vinyl / VCT, Hardwood
Appliances: Range, Refrigerator
Interior Features:
Windows:
Basement: Full
Laundry:
Security:

Construction & Materials

Style: Bungalow
Year Built: 1952
Structure Type:
Exterior Materials: Frame
Roof: Shingle
Foundation: Concrete Perimeter

Heating, Cooling & Utilities

Heating: Oil
Heating Zones: 1
Cooling: None
Hot Water:
Water Source: Public
Sewer: Public Sewer
Energy Features:

Exterior & Lot

Exterior Features: Porch
Patio & Porch: Porch
Fencing:
Other Structures:
Lot Features: Level
Road Frontage: 60.00 ft
Road Surface: Paved

Parking & Garage

Garage Spaces: 1
Garage Type: Attached
Total Parking Spaces: 3
Parking Features: Attached, Off Street, Paved

Special Features

Fireplaces: 1
Fireplace Type:
Community Amenities: Public Transportation, Shopping, Pool, Park, Golf, Medical Facility, Bike Path, Conservation Area, Highway Access

Location

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Neighborhood

3 Cross Street, Gardner MA 01440

Gardner, MA 01440

Walkability

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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
E

Elementary Schools

2 schools
C-
Gardner Elementary School
0.4 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
1.9 mi
Grades K-08
M

Middle Schools

1 school
F
Gardner Middle School
0.7 mi | #338 of 352 | Score: 26.8
Dropped 7 spots from last year
-31.4 below state avg
514 students Diverse
Grades 05-07
H

High Schools

2 schools
D
Gardner Academy for Learning and Technology
0.1 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
0.6 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
Learn about these ratings
School data provided by BMN Schools

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 $302
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

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.

Property History

Market Insights

Property Timeline

⏳
Pending Sale
Dec 8, 2025
Offer accepted, sale pending
🏠
Listed for Sale
Dec 4, 2025
$269,900
Original listing
Agent: Jennifer Shenk Office: Keller Williams Realty North Central
🏠
Listed for Sale
Dec 4, 2025
$269,900
Original listing
Agent: Jennifer Shenk Office: Keller Williams Realty North Central
🏠
Listed for Sale
Dec 4, 2025
$269,900
Original listing
Agent: Jennifer Shenk Office: Keller Williams Realty North Central

Price & Status History

Date Event Price Change
Dec 4, 2025 New Listing Added $269,900 —
Dec 4, 2025 New Listing Added $269,900 —
Dec 4, 2025 New Listing Added $269,900 —

Market Statistics

Days on Market
17 days
Price per Sq Ft
$316

Tax History

Year Taxes Assessment
2025 $3,623 $252,300

Financial Details

Annual Property Tax
$3,623
Tax Year 2025
Assessed Value
$252,300

Listing Information

Listing Agent Jennifer Shenk
Listing Office Keller Williams Realty North Central
Agent MLS ID CN201847
Office MLS ID K95580
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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Market Analytics for Gardner, MA

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