FeaturesCeiling Fan(s), Flooring - Laminate, Lighting - Overhead
LevelSecond
45 Nichols St, Gardner MA 01440
Gardner, MA 01440
$349,999
Est. $2,310/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.
About this home
Searching for an affordable starter home with convenient access to Route 2? This charming 3 bedroom, 2 bathroom home offers a functional layout and comfortable living spaces. The first floor features durable laminate flooring, an eat-in kitchen with stainless steel appliances, and the convenience of first-floor laundry. Upstairs, you'll find a spacious primary bedroom with its own private bathroom, along with two additional bedrooms perfect for family, guests, or a home office. Start your mornings with a cup of coffee or unwind in the afternoon in the bright enclosed porch. The fully fenced yard provides plenty of space for entertaining, gardening, pets, or relaxing around a fire pit. Ideally located just minutes from downtown Gardner, you'll enjoy easy access to shopping, restaurants, local breweries, Pulaski Playground & Dog Park, and all the conveniences the area has to offer.
View in the App
Save this property, schedule tours instantly, and get alerts when the price drops
Scan with phone
Public Records & Permits
Log in to view assessor & tax records, ownership history, and recent building permits for this property.
BMN Estimate
Get the number an algorithm can't give you
A free agent CMA factors in condition, upgrades, and the street — the things comps alone can't see.
Recently Sold Nearby
Property History
Property Timeline
Listed for Sale
Jul 30, 2026
$349,999
Original listing
Agent: Gabe Hulen
Office: Chinatti Realty Group, Inc.
| Date | Event | Price | Change | $/sqft | Details |
|---|---|---|---|---|---|
| 07/30/2026 | 🏠 Listed for Sale | $349,999 | - | - | Original listing |
Tax History
| Year | Taxes | Assessment |
|---|---|---|
| 2026 | $4,079 | $296,200 |
Financial Details
Annual Property Tax
$4,079
Tax Year 2026
Assessed Value
$296,200
Facts & Features
Home Facts
Type
Residential
Style
Single Family Residence
Year Built
1900
Living Area
1,096 sq ft
Lot Size
0.13 acres
Bedrooms
3
Full Baths
2
Total Rooms
5
Interior
Heating
Forced Air, Oil
Cooling
Window Unit(s)
Flooring
Carpet, Wood Laminate
Appliances
Water Heater, Range, Dishwasher, Microwave, Refrigerator, Freezer, Washer, Dryer
Fireplace
None
Basement
Full, Unfinished
Laundry
None
Features
None
Exterior
Construction
Conventional (2x4-2x6)
Architecture
Colonial
Roof
Shingle
Features
Patio, Storage, Fenced Yard
Pool
None
Spa
None
Fencing
Fenced
Patio/Porch
Patio
Parking
Features
Paved Drive, Shared Driveway, Off Street, Paved
Total Spaces
3
Utilities
Electric
110 Volts
Water
Public
Sewer
Public Sewer
Gas
None
Other
None
Financial
Annual Tax
$4,079
Assessed Value
$296,200
HOA & Community
Fee Includes
None
Amenities
None
Optional Fee Includes
None
Down Payment Resource
Eligible
MA Disclosures
Lead Paint
Yes
Seller Disclosures
Sellers Were Made Aware Of The Presence Of Lead Paint In The Property Prior To Purchasing In 2022. Potentially In The Basement And Living Room Closet. Seller Do Not Have Any Documentation. Buyers And Buyers Agents Are Responsible For Conducting Their Own Due Diligence And Verifying All Information.
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)
35 days
Property Overview
Property Type
Single Family Residence
Listing Type
For Sale
Year Built
1900
Bedrooms
3
Full Bathrooms
2
Living Area
1,096 sq ft
Total Rooms
5
Floor Layout
Interactive room guide
Floor Layout
Finished Area
1,096 sq ft above grade
0 sq ft below grade
FeaturesFlooring - Wall to Wall Carpet, Lighting - Overhead
LevelSecond
FeaturesBathroom - Tiled With Tub & Shower, Flooring - Stone/Ceramic Tile, Lighting - Overhead
LevelSecond
FeaturesBathroom - Full, Ceiling Fan(s), Closet, Flooring - Wall to Wall Carpet, Lighting - Overhead
LevelSecond
FeaturesCeiling Fan(s), Flooring - Wood, Countertops - Stone/Granite/Solid, Stainless Steel Appliances, Lighting - Overhead, Crown Molding
LevelFirst
FeaturesBathroom - 3/4, Bathroom - With Shower Stall, Flooring - Vinyl
LevelFirst
LevelFirst
FeaturesCeiling Fan(s), Closet, Flooring - Vinyl, Exterior Access, Lighting - Overhead, Crown Molding
LevelFirst
Display Options
Outdoor Areas
Patio & porchPatio
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:
Carpet, Wood Laminate
Appliances:
Water Heater, Range, Dishwasher, Microwave, Refrigerator, Freezer, Washer, Dryer
Interior Features:
Windows:
Basement:
Full, Unfinished
Laundry:
Security:
Construction & Materials
Style:
Colonial
Year Built:
1900
Structure Type:
Exterior Materials:
Conventional (2x4-2x6)
Roof:
Shingle
Foundation:
Concrete Perimeter
Heating, Cooling & Utilities
Heating:
Forced Air, Oil
Cooling:
Window Unit(s)
Hot Water:
Water Source:
Public
Sewer:
Public Sewer
Energy Features:
Exterior & Lot
Exterior Features:
Patio, Storage, Fenced Yard
Patio & Porch:
Patio
Fencing:
Fenced
Other Structures:
Lot Features:
Road Surface:
Paved
Parking & Garage
Total Parking Spaces:
3
Parking Features:
Paved Drive, Shared Driveway, Off Street, Paved
Nearby Schools
School information not available for this location.
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
$340
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
Loading map...
Neighborhood
45 Nichols St, Gardner MA 01440
Gardner, MA 01440
Listing Information
Listing Agent
Gabe Hulen
Listing Office
Chinatti Realty Group, Inc.
Office Phone
978-320-3377
Agent MLS ID
CN255524
Office MLS ID
AN7396
Listing Data Updated
Aug 4, 2026 2:04 PM EDT
Listing information is deemed reliable but not guaranteed. Data provided by MLS Property Information Network, Inc. All information should be independently verified.
Contact Us
Ask about this property — free, no obligation.
Similar Homes for Sale
Comparable Properties
Customize Comparable Search
Finding comparable properties...
Loading market insights for Gardner.