Dimensions13 x 14
FeaturesCeiling Fan(s), Closet, Flooring - Hardwood, Window(s) - Bay/Bow/Box, Lighting - Overhead, Decorative Molding
LevelSecond
32 Winter Street, Gardner MA 01440
Gardner, MA 01440
$450,000
Est. $2,847/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
1870 VICTORIAN CHARM, IMPRESSIVE SPACE & THOUGHTFUL UPDATES! Step inside this distinctive Victorian offering 2,851 sq. ft. of living space, where period character meets the comfort and functionality of today’s lifestyle. Generous room sizes, hardwood floors, abundant natural light and architectural details create warmth and personality throughout. The refreshed kitchen features new countertops, repainted cabinetry and additional storage, while the renovated first-floor laundry offers new cabinetry and workspace. NOW FEATURING AN UPDATED 200-AMP ELECTRICAL SERVICE, adding another significant improvement to this classic home. Other updates include custom radiator enclosures, built-in cabinetry, organized bedroom closets and fresh interior paint throughout most rooms. The renovated full bath features a double vanity and new tile flooring. A large walk-up attic offers exceptional storage and potential for additional finished space, subject to permits and approvals. Outside, enjoy approximately half an acre with a fenced yard, patio and plenty of room to relax, garden and entertain. A full walk-out basement and expansive paved driveway provide even more flexibility. Classic Victorian character, impressive space and meaningful updates—come discover everything this unique Gardner home has to offer!
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Recently Sold Nearby
Property History
Market Insights
Property Timeline
Status: Active under contract
Aug 26, 2026
Active → Active Under Contract
Showing Instructions Updated
Aug 20, 2026
New showing requirements
Listed for Sale
Aug 20, 2026
$450,000
Original listing
Agent: Miller Real Estate Group
Office: Keller Williams Pinnacle Central
Listed for Sale
Aug 20, 2026
$450,000
Original listing
Agent: Miller Real Estate Group
Office: Keller Williams Pinnacle Central
Listed for Sale
Aug 20, 2026
$450,000
Original listing
Agent: Miller Real Estate Group
Office: Keller Williams Pinnacle Central
| Date | Event | Price | Change | $/sqft | Details |
|---|---|---|---|---|---|
| 08/26/2026 | 📋 Status: Active under contract | - | - | - | Active → Active Under Contract |
| 08/20/2026 | 👁️ Showing Instructions Updated | - | - | - | New showing requirements |
| 08/20/2026 | 🏠 Listed for Sale | $450,000 | - | - | Original listing |
| 08/20/2026 | 🏠 Listed for Sale | $450,000 | - | - | Original listing |
| 08/20/2026 | 🏠 Listed for Sale | $450,000 | - | - | Original listing |
Tax History
| Year | Taxes | Assessment |
|---|---|---|
| 2026 | $4,460 | $323,900 |
Financial Details
Annual Property Tax
$4,460
Tax Year 2026
Assessed Value
$323,900
Facts & Features
Home Facts
Type
Residential
Style
Single Family Residence
Year Built
1870
Living Area
2,851 sq ft
Lot Size
0.50 acres
Bedrooms
4
Full Baths
1
Half Baths
1
Total Rooms
9
Interior
Heating
Steam, Oil
Cooling
None
Flooring
Tile, Hardwood, Flooring - Hardwood
Appliances
Tankless Water Heater, Range, Dishwasher, Refrigerator, Washer, Dryer
Fireplace
Family Room
Basement
Full, Walk-out Access, Interior Entry
Laundry
Electric Dryer Hookup, Washer Hookup, First Floor
Features
Crown Molding, Decorative Molding, Sitting Room
Exterior
Construction
None
Architecture
Colonial, Victorian
Roof
None
Features
Patio, Fenced Yard
Pool
None
Spa
None
Fencing
Fenced/enclosed, Fenced
Patio/Porch
Patio
Parking
Features
Paved Drive, Off Street, Paved
Total Spaces
11
Utilities
Electric
Circuit Breakers, 100 Amp Service
Water
Public
Sewer
Public Sewer
Gas
None
Other
None
Financial
Annual Tax
$4,460
Assessed Value
$323,900
HOA & Community
Fee Includes
None
Amenities
None
Optional Fee Includes
None
Down Payment Resource
Eligible
MA Disclosures
Lead Paint
None, Certified Treated
Seller Disclosures
None
Additional Details
Possession
None
Accepted Financing
None
Structure Type
[]
House Color
White
Sq Ft Source
Public Record
Documents
None
County
Worcester
Total market time (incl. prior listings)
17 days
Property Overview
Property Type
Single Family Residence
Listing Type
For Sale
Year Built
1870
Bedrooms
4
Full Bathrooms
1
Half Bathrooms
1
Living Area
2,851 sq ft
Total Rooms
9
Floor Layout
Interactive room guide
Floor Layout
Finished Area
2,851 sq ft above grade
Dimensions12 x 14
FeaturesCloset, Flooring - Vinyl, Window(s) - Bay/Bow/Box, Lighting - Overhead
LevelSecond
Dimensions13 x 14
FeaturesCeiling Fan(s), Closet, Window(s) - Bay/Bow/Box, Lighting - Overhead
LevelSecond
Dimensions7 x 11
FeaturesBathroom - Full, Bathroom - Double Vanity/Sink, Bathroom - With Tub & Shower, Window(s) - Bay/Bow/Box, Lighting - Overhead, Decorative Molding
LevelSecond
Dimensions15 x 27
FeaturesCeiling Fan(s), Walk-In Closet(s), Flooring - Vinyl, Window(s) - Bay/Bow/Box, Lighting - Overhead, Decorative Molding
LevelSecond
Dimensions14 x 12
FeaturesCeiling Fan(s), Beamed Ceilings, Flooring - Vinyl, Window(s) - Bay/Bow/Box, Lighting - Overhead, Crown Molding, Decorative Molding
LevelFirst
Dimensions5 x 4
FeaturesBathroom - Half
LevelFirst
Dimensions15 x 18
FeaturesCeiling Fan(s), Flooring - Hardwood, Window(s) - Bay/Bow/Box, French Doors, Exterior Access, Slider, Lighting - Overhead, Crown Molding, Decorative Molding
LevelFirst
Dimensions14 x 14
FeaturesFlooring - Hardwood, Window(s) - Bay/Bow/Box, Lighting - Overhead, Crown Molding, Decorative Molding
LevelFirst
Dimensions13 x 16
FeaturesCeiling Fan(s), Flooring - Hardwood, Crown Molding, Decorative Molding
LevelFirst
Display Options
Outdoor Areas
Patio & porchPatio
Room Markers
KKitchen (1)
BRBedroom (4)
BABathroom (2)
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:
Tile, Hardwood, Flooring - Hardwood
Appliances:
Tankless Water Heater, Range, Dishwasher, Refrigerator, Washer, Dryer
Interior Features:
Crown Molding, Decorative Molding, Sitting Room
Windows:
Basement:
Full, Walk-Out Access, Interior Entry
Laundry:
Electric Dryer Hookup, Washer Hookup, First Floor
Security:
Construction & Materials
Style:
Colonial, Victorian
Year Built:
1870
Structure Type:
Exterior Materials:
Roof:
Foundation:
Stone
Heating, Cooling & Utilities
Heating:
Steam, Oil
Cooling:
None
Hot Water:
Water Source:
Public
Sewer:
Public Sewer
Energy Features:
Exterior & Lot
Exterior Features:
Patio, Fenced Yard
Patio & Porch:
Patio
Fencing:
Fenced/Enclosed, Fenced
Other Structures:
Lot Features:
Road Surface:
Paved
Parking & Garage
Total Parking Spaces:
11
Parking Features:
Paved Drive, Off Street, Paved
Special Features
Fireplace Type:
Family Room
Community Amenities:
Sidewalks
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
2.2 mi
Grades K-08
C-
Gardner Elementary School
1.6 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
1.9 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
1.8 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
1.2 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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After down payment
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
$0
Property Tax
$372
Homeowners Insurance
$200
PMI (if <20% down)
$0
Loan Summary
Total of 360 payments
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$0
Total interest paid
$0
Rate Impact
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Payment Over Time
Year 1
95% Interest
Year 15
50/50
Year 30
95% Principal
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Location
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Neighborhood
32 Winter Street, Gardner MA 01440
Gardner, MA 01440
Listing Information
Listing Agent
Miller Real Estate Group
Listing Office
Keller Williams Pinnacle Central
Office Phone
508-754-3020
Agent MLS ID
TEAM0533
Office MLS ID
AN8160
Listing Data Updated
Oct 4, 2026 4:05 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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