Dimensions11.583333333 x 17.166666666
FeaturesFlooring - Hardwood, Lighting - Overhead
LevelSecond
322 Pearl Street, Gardner MA 01440
Gardner, MA 01440
$325,000
Est. $2,229/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.
Adjust the payment calculatorTrack this home for price, status, and open-house alerts.
Open House Schedule
12
Sep
Saturday, September 12
12:00 PM - 1:30 PM EDT
About this home
Welcome to 322 Pearl Street, a charming and unique Gardner home filled with character, warmth, and opportunity. Set on a spacious 1.12-acre lot, this property offers the privacy of a generous backyard while remaining conveniently located for commuters and just minutes from Dunn State Park. The first floor offers comfortable one-level living with a spacious living room, nicely updated full bathroom, and first floor primary bedroom. A cozy wood stove adds warmth and charm during the winter months. The inviting front sun porch makes an ideal mudroom and provides a wonderful spot to enjoy the afternoon sun. Step outside onto the large deck overlooking the expansive backyard, perfect for relaxing, entertaining, or simply enjoying the peaceful surroundings.The detached garage is a true bonus, featuring a large attached workshop and second-floor studio space ready for your vision. Whether you need room for hobbies, projects, creative pursuits, or additional storage, the possibilities are endless. Recent improvements include a roof approximately six years old and an upgraded heating system with a natural gas combination boiler. Conveniently located just minutes from Dunn State Park, offering a playground, pond for swimming and fishing, and scenic hiking trails. With its unique character, generous acreage, versatile spaces, and convenient location, 322 Pearl Street offers the perfect blend of privacy and convenience. All this plus with town water and sewer!
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Recently Sold Nearby
Property History
Property Timeline
Listed for Sale
Sep 10, 2026
$325,000
Original listing
Agent: Emily Chapdelaine
Office: Coldwell Banker Realty - Westford
| Date | Event | Price | Change | $/sqft | Details |
|---|---|---|---|---|---|
| 09/10/2026 | 🏠 Listed for Sale | $325,000 | - | - | Original listing |
Tax History
| Year | Taxes | Assessment |
|---|---|---|
| 2026 | $4,624 | $335,800 |
Financial Details
Annual Property Tax
$4,624
Tax Year 2026
Assessed Value
$335,800
Facts & Features
1 Car Garage
Home Facts
Type
Residential
Style
Single Family Residence
Year Built
1930
Living Area
1,393 sq ft
Lot Size
1.12 acres
Bedrooms
2
Full Baths
1
Total Rooms
5
Interior
Heating
Hot Water, Natural Gas
Cooling
None
Flooring
Laminate, Hardwood
Appliances
Gas Water Heater, Oven, Dishwasher, Refrigerator, Washer, Dryer
Fireplace
None
Fireplaces
1
Basement
Full, Walk-out Access, Interior Entry, Unfinished
Laundry
Main Level, First Floor
Features
Loft, Sun Room, Internet Available - Unknown
Exterior
Construction
None
Architecture
Cape
Roof
Shingle
Features
Porch, Porch - Enclosed, Deck, Rain Gutters, Garden
Pool
None
Spa
None
Fencing
None
Patio/Porch
Porch, Porch - Enclosed, Deck
Parking
Garage Spaces
1
Has Garage
Yes
Features
Detached, Garage Door Opener, Storage, Workshop In Garage, Paved Drive, Off Street
Total Spaces
6
Utilities
Electric
200+ Amp Service
Water
Public
Sewer
Public Sewer
Gas
None
Other
None
Financial
Annual Tax
$4,624
Assessed Value
$335,800
HOA & Community
Fee Includes
None
Amenities
None
Optional Fee Includes
None
MA Disclosures
Lead Paint
Unknown
Seller Disclosures
Chicken Coop To Convey With Sale. Use Caution In Detached Garage. Do Not Use Deck On Detached Garage. Electric Heat In Detached Garage - Condition Unknown.
Additional Details
Possession
None
Accepted Financing
Contract
Structure Type
[]
House Color
Grey
Sq Ft Source
Other
Sq Ft Disclosures
All measurements approximate. Buyer and buyers agent to do due diligence
Documents
None
County
Worcester
Property Overview
Property Type
Single Family Residence
Listing Type
For Sale
Year Built
1930
Bedrooms
2
Full Bathrooms
1
Living Area
1,393 sq ft
Total Rooms
5
Floor Layout
Interactive room guide
Floor Layout
Finished Area
1,393 sq ft above grade
Dimensions11.083333333 x 16.083333333
FeaturesBalcony / Deck, Dryer Hookup - Electric, Exterior Access
LevelFirst
Dimensions6.25 x 4.833333333
FeaturesBathroom - Full, Bathroom - Tiled With Tub & Shower, Flooring - Hardwood
LevelMain,First
Dimensions11.083333333 x 22.666666666
FeaturesWood / Coal / Pellet Stove, Flooring - Hardwood
LevelFirst
Dimensions15.666666666 x 15.25
FeaturesCloset/Cabinets - Custom Built, Flooring - Hardwood, Balcony / Deck, Balcony - Exterior, Exterior Access
LevelFirst
Display Options
Outdoor Areas
Patio & porchPorch, Porch - Enclosed, 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:
Laminate, Hardwood
Appliances:
Gas Water Heater, Oven, Dishwasher, Refrigerator, Washer, Dryer
Interior Features:
Loft, Sun Room, Internet Available - Unknown
Windows:
Window(s) - Picture
Basement:
Full, Walk-Out Access, Interior Entry, Unfinished
Laundry:
Main Level, First Floor
Security:
Construction & Materials
Style:
Cape
Year Built:
1930
Structure Type:
Exterior Materials:
Roof:
Shingle
Foundation:
Block, Brick/Mortar
Heating, Cooling & Utilities
Heating:
Hot Water, Natural Gas
Cooling:
None
Hot Water:
Water Source:
Public
Sewer:
Public Sewer
Energy Features:
Exterior & Lot
Exterior Features:
Porch, Porch - Enclosed, Deck, Rain Gutters, Garden
Patio & Porch:
Porch, Porch - Enclosed, Deck
Fencing:
Other Structures:
Lot Features:
Wooded
Road Surface:
Parking & Garage
Garage Spaces:
1
Total Parking Spaces:
6
Parking Features:
Detached, Garage Door Opener, Storage, Workshop in Garage, Paved Drive, Off Street
Special Features
Fireplaces:
1
Fireplace Type:
Community Amenities:
Park, Walk/Jog Trails, Conservation Area, Highway Access, House of Worship
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
1.5 mi
Grades K-08
C-
Gardner Elementary School
0.3 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
0.5 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
0.3 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
0.8 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
$0
Property Tax
$385
Homeowners Insurance
$200
PMI (if <20% down)
$0
Loan Summary
Total of 360 payments
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Total interest paid
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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
322 Pearl Street, Gardner MA 01440
Gardner, MA 01440
Listing Information
Listing Agent
Emily Chapdelaine
Listing Office
Coldwell Banker Realty - Westford
Office Phone
978-692-2121
Agent MLS ID
CN248346
Office MLS ID
AN6242
Listing Data Updated
Sep 10, 2026 10:06 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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