LevelFirst
475 West Street, Gardner MA 01440
Gardner, MA 01440
$395,000
Est. $2,597/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
This beautifully maintained ranch home is ready for you to move in and enjoy! Features include luxury vinyl flooring throughout (2022), new roof (2021-2022), Trek decking off the back bedroom (2021-2022), new central A/C (2020), new furnace (2024), and a newly paved driveway (2024). The bathroom was also tastefully updated in 2022. The detached sunroom in the backyard is fully enclosed with power, offering a perfect spot to relax or work. The fully fenced backyard, with its durable chain-link fence, is ideal for pets, kids, or just enjoying the outdoors in privacy. The unfinished basement offers great potential for expansion. With all the major updates already done, this home is truly turn-key and waiting for you!
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Recently Sold Nearby
Property History
Property Timeline
Listed for Sale
Sep 14, 2026
$395,000
Original listing
Agent: Victoria Jeffrey
Office: Real Estate Exchange
| Date | Event | Price | Change | $/sqft | Details |
|---|---|---|---|---|---|
| 09/14/2026 | 🏠 Listed for Sale | $395,000 | - | - | Original listing |
Tax History
| Year | Taxes | Assessment |
|---|---|---|
| 2025 | $4,793 | $333,800 |
Financial Details
Annual Property Tax
$4,793
Tax Year 2025
Assessed Value
$333,800
Facts & Features
Central AC
Home Facts
Type
Residential
Style
Single Family Residence
Year Built
1998
Living Area
1,200 sq ft
Lot Size
0.50 acres
Bedrooms
3
Full Baths
1
Total Rooms
5
Interior
Heating
Forced Air, Oil
Cooling
Central Air
Flooring
None
Appliances
Tankless Water Heater, Range, Dishwasher, Microwave, Refrigerator
Fireplace
None
Basement
Full, Interior Entry, Bulkhead, Concrete, Unfinished
Laundry
In Basement, Electric Dryer Hookup, Washer Hookup
Features
None
Exterior
Construction
Frame
Architecture
Ranch, Split Entry
Roof
Shingle
Features
Deck - Composite, Fenced Yard, Other
Pool
None
Spa
None
Fencing
Fenced/enclosed, Fenced
Patio/Porch
Deck - Composite
Parking
Features
Paved Drive, Off Street, Paved
Total Spaces
6
Utilities
Electric
Circuit Breakers, 200+ Amp Service, Generator Connection
Water
Public
Sewer
Public Sewer
Gas
None
Other
For Electric Range, For Electric Oven, For Electric Dryer, Washer Hookup, Generator Connection
Financial
Annual Tax
$4,793
Assessed Value
$333,800
HOA & Community
Fee Includes
None
Amenities
None
Optional Fee Includes
None
MA Disclosures
Lead Paint
None
Seller Disclosures
Home Is Wired For A Back Up Generator Use. Home Has An Irrigation System But Has Not Been Used In Many Years Not Sure If Still In Working Order. Home Sale Is Subject To Probate Court Assignment. Twilight Photos Have Been Virtually Enhanced, And Some Interior Photos.
Additional Details
Possession
None
Accepted Financing
None
Structure Type
[]
House Color
CLAY / TAN
Sq Ft Source
Other
Documents
None
County
Worcester
Property Overview
Property Type
Single Family Residence
Listing Type
For Sale
Year Built
1998
Bedrooms
3
Full Bathrooms
1
Living Area
1,200 sq ft
Total Rooms
5
Floor Layout
Interactive room guide
Floor Layout
Finished Area
1,200 sq ft above grade
LevelFirst
LevelFirst
LevelFirst
LevelFirst
LevelFirst
FeaturesNo
Display Options
Outdoor Areas
Patio & porchDeck - Composite
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:
Tankless Water Heater, Range, Dishwasher, Microwave, Refrigerator
Interior Features:
Windows:
Storm Window(s)
Basement:
Full, Interior Entry, Bulkhead, Concrete, Unfinished
Laundry:
In Basement, Electric Dryer Hookup, Washer Hookup
Security:
Construction & Materials
Style:
Ranch, Split Entry
Year Built:
1998
Structure Type:
Exterior Materials:
Frame
Roof:
Shingle
Foundation:
Concrete Perimeter
Heating, Cooling & Utilities
Heating:
Forced Air, Oil
Cooling:
Central Air
Hot Water:
Water Source:
Public
Sewer:
Public Sewer
Energy Features:
Exterior & Lot
Exterior Features:
Deck - Composite, Fenced Yard, Other
Patio & Porch:
Deck - Composite
Fencing:
Fenced/Enclosed, Fenced
Other Structures:
Lot Features:
Level
Road Surface:
Paved
Parking & Garage
Total Parking Spaces:
6
Parking Features:
Paved Drive, Off Street, Paved
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
3 schools
C-
Gardner Elementary School
2.0 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
C+
Templeton Elementary School
3.5 mi
|
#514 of 825
|
Score: 44.3
Improved 99 spots from last year
-13.9 below state avg
549 students
Moderate
Rising School
Strong Attendance
Grades PK-04
Wachusett Hills Christian School
3.6 mi
Grades K-08
Middle Schools
3 schools
D
Gardner Middle School
1.8 mi
|
#335 of 352
|
Score: 27.0
Dropped 4 spots from last year
-31.2 below state avg
528 students
Diverse
Grades 05-07
C-
Narragansett Middle School
3.2 mi
|
#314 of 352
|
Score: 30.5
Dropped 53 spots from last year
-27.7 below state avg
345 students
Less Diverse
Grades 05-07
B
Overlook Middle School
4.6 mi
|
#169 of 352
|
Score: 42.9
Dropped 6 spots from last year
-15.4 below state avg
564 students
Less Diverse
Strong Attendance
Grades 06-08
High Schools
3 schools
D
Gardner Academy for Learning and Technology
1.7 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
C+
Gardner High School
1.9 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
B-
Narragansett Regional High School
3.1 mi
|
#207 of 346
|
Score: 51.7
Improved 42 spots from last year
-6.5 below state avg
471 students
Less Diverse
14 sports
• 628 athletes
Early College Program
High Graduation Rate
Rising School
Career Tech Programs
Grades 08-12
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Loan Amount
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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
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Property Tax
$399
Homeowners Insurance
$200
PMI (if <20% down)
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Loan Summary
Total of 360 payments
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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
475 West Street, Gardner MA 01440
Gardner, MA 01440
Listing Information
Listing Agent
Victoria Jeffrey
Listing Office
Real Estate Exchange
Office Phone
978-582-4339
Agent MLS ID
CN229048
Office MLS ID
H22100
Listing Data Updated
Sep 14, 2026 3:06 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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