347-349 Summer St, Fitchburg MA 01420
Fitchburg, MA 01420
$575,000
Est. $3,496/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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Open House Schedule
12
Sep
Saturday, September 12
11:00 AM - 12:00 PM EDT
About this home
Turnkey 3-Family Opportunity! Well-maintained and fully DE-LEADED multi-family property offering excellent flexibility for investors and owner-occupants alike. Features two spacious 2-bedroom units and a third-floor 1-bedroom unit with a separate office, providing attractive rental options. All apartments have been updated with modern finishes, including quartz countertops, and are clean, bright, and move-in ready. The first-floor unit is serviced by a newer gas heating system and offers the flexibility of a potential 3-bedroom layout, with the front room fully insulated and suitable as a bedroom, office, or bonus space. The second and third-floor units feature energy-efficient mini-split systems providing both heating and cooling, with gas stoves available as a supplemental heat source. Separate utilities for each unit offer convenience and expense control. Additional amenities include off-street parking and a vacant second-floor unit available for immediate occupancy, making it ideal for an owner-occupant or new tenant placement. Conveniently located near shopping, restaurants, public transportation, commuter rail service, and major highway access. Property is situated within a mixed-use zoning district, offering additional potential and flexibility. A rare opportunity to own a versatile, income-producing property in a highly accessible location.
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Recently Sold Nearby
Property History
Property Timeline
Listed for Sale
Sep 10, 2026
$575,000
Original listing
Agent: Lana Kopsala
Office: Coldwell Banker Realty - Leominster
| Date | Event | Price | Change | $/sqft | Details |
|---|---|---|---|---|---|
| 09/10/2026 | 🏠 Listed for Sale | $575,000 | - | - | Original listing |
Tax History
| Year | Taxes | Assessment |
|---|---|---|
| 2025 | $4,657 | $344,700 |
Financial Details
Annual Property Tax
$4,657
Tax Year 2025
Assessed Value
$344,700
Facts & Features
Home Facts
Type
Residential Income
Style
3 Family
Year Built
1885
Living Area
3,630 sq ft
Lot Size
0.09 acres
Stories
3
Bedrooms
8
Full Baths
3
Total Rooms
15
Investment Metrics
Units
3
Unit 1 Rent
$2,100/mo · N
Unit 2 Rent
— · N
Unit 3 Rent
$1,300/mo · N
Total Monthly Rent
$3,400/mo
Gross Income
$53,400
Net Operating Income
$53,400
Operating Expenses
$7,584
Water/Sewer Expense
$1,959
Electric Expense
$625
Insurance Expense
$5,000
Cap Rate
9.29%
Interior
Heating
None
Cooling
None
Flooring
None
Appliances
None
Fireplace
None
Basement
Full, Walk-out Access, Interior Entry, Concrete, Unfinished
Laundry
None
Features
None
Exterior
Construction
Frame
Architecture
None
Roof
Shingle, Slate
Features
None
Pool
None
Spa
None
Fencing
None
Patio/Porch
Enclosed
Parking
Features
Paved Drive, Off Street, Paved
Total Spaces
8
Utilities
Electric
Circuit Breakers
Water
Public
Sewer
Public Sewer
Gas
None
Other
None
Financial
Annual Tax
$4,657
Assessed Value
$344,700
HOA & Community
Fee Includes
None
Amenities
None
Optional Fee Includes
None
MA Disclosures
Lead Paint
Unknown
Seller Disclosures
Ecopaver Driveway W/10 Yr Warranty (2022)); All Repairs Completed From Fire Damage; Taw; 2nd Floor Vacant; Washer & Dryer Available For 1st Fl Tenant In Basement.
Additional Details
Possession
None
Accepted Financing
None
Structure Type
[]
Sq Ft Source
Public Record
Documents
None
County
Worcester
Property Overview
Property Type
3 Family
Listing Type
For Sale
Year Built
1885
Bedrooms
8
Full Bathrooms
3
Living Area
3,630 sq ft
Total Rooms
15
Stories
3
Levels
3
Floor Layout
Interactive room guide
Floor Layout
Finished Area
3,630 sq ft above grade
Display Options
Outdoor Areas
Patio & porchEnclosed
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:
Appliances:
Interior Features:
Windows:
Basement:
Full, Walk-Out Access, Interior Entry, Concrete, Unfinished
Laundry:
Security:
Construction & Materials
Year Built:
1885
Structure Type:
Exterior Materials:
Frame
Roof:
Shingle, Slate
Foundation:
Stone, Brick/Mortar
Stories:
3
Heating, Cooling & Utilities
Heating:
Cooling:
Hot Water:
Natural Gas, Tank
Water Source:
Public
Sewer:
Public Sewer
Energy Features:
Exterior & Lot
Exterior Features:
Patio & Porch:
Enclosed
Fencing:
Other Structures:
Lot Features:
Corner Lot, Level
Road Surface:
Paved
Parking & Garage
Total Parking Spaces:
8
Parking Features:
Paved Drive, Off Street, Paved
Special Features
View:
Yes
View Type:
City View(s)
Community Amenities:
Nearby Schools
School District
Fitchburg School District local
C+
School Safety
2024-25
8.1%
Above Average
4.6%
Suspensions
4.6%
In-School
3.5%
Emergency
2.6% above state avg
Elementary Schools
3 schools
St. Bernard Elementary School
0.3 mi
Grades PK-08
C-
South Street Early Learning Center
1.1 mi
|
#697 of 825
|
Score: 48.1
Same rank as last year
Limited historical data for year-over-year comparison
569 students
Diverse
Diverse Student Body
Grades PK-K
C
McKay Elementary School
1.8 mi
|
#658 of 825
|
Score: 37.9
Improved 73 spots from last year
-20.3 below state avg
736 students
Diverse
Rising School
Grades 01-05
Middle Schools
3 schools
D
Arthur M Longsjo Middle School
1.6 mi
|
#328 of 352
|
Score: 28.6
Improved 12 spots from last year
-29.6 below state avg
577 students
Diverse
Grades 06-08
C
Memorial Middle School
1.8 mi
|
#280 of 352
|
Score: 33.8
Dropped 10 spots from last year
-24.4 below state avg
620 students
Diverse
Diverse Student Body
Grades 06-08
B+
Lunenburg Middle School
3.4 mi
|
#127 of 352
|
Score: 46.8
Improved 7 spots from last year
-11.4 below state avg
382 students
Moderate
Grades 06-08
High Schools
3 schools
C-
Goodrich Academy
0.6 mi
|
#23 of 25
|
Score: 22.0
Improved 363 spots from last year
-36.2 below state avg
101 students
Diverse
Rising School
Grades 09-12
St. Bernard's Central Catholic High School
0.6 mi
Grades 09-12
Notre Dame Preparatory High School
1.2 mi
Grades 09-12
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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
$388
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
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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
347-349 Summer St, Fitchburg MA 01420
Fitchburg, MA 01420
Listing Information
Listing Agent
Lana Kopsala
Listing Office
Coldwell Banker Realty - Leominster
Office Phone
978-840-4014
Agent MLS ID
H9500342
Office MLS ID
AN6215
Listing Data Updated
Sep 10, 2026 2:23 PM 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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