49 Abbott Street, Gardner MA 01440

Gardner, MA 01440
$615,000
Est. $3,868/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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9
Beds
3
Baths
4,302
Sq Ft
$143
Price/Sq Ft
0.35
Acres
1924
Year Built
9
Parking
New today
Time on Market
For Sale Listed Oct 21, 2026 • MLS# 73593720 Copied! • Updated Oct 21, 2026

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About this home

INVESTMENT OPPORTUNITY WITH WATER VIEWS! Discover this fully occupied 3-family property offering 9 bedrooms, 3 full bathrooms, and over 4,300 sq. ft. of living space! Perfectly situated on a quiet side street near scenic Crystal Lake Park, this exceptional property sits on a generous 0.35-acre lot with 9 off-street parking spaces!Each spacious unit offers 3 bedrooms, a full bathroom, an eat-in kitchen, and living and dining areas filled with timeless charm. Hardwood floors, original woodwork, classic clawfoot tubs, and front and rear porches add character throughout.Separate heating units, a full basement with potential for coin-operated laundry, and a private entrance for Unit 1. Whether you're looking to expand your investment portfolio or secure a future owner-occupied multifamily home, this property offers an exciting combination of space, character, location, and investment potential.

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Recently Sold Nearby

Price & Status History

Property Timeline

🏠
Listed for Sale
Oct 21, 2026
$615,000
Original listing
Agent: Fermin Group Office: Century 21 North East

Tax History

Year Taxes Assessment
2026 $6,700 $486,600

Financial Details

Annual Property Tax
$6,700
Tax Year 2026
Assessed Value
$486,600

Facts & Features

Home Facts

Type Residential Income
Style 3 Family
Year Built 1924
Living Area 4,302 sq ft
Lot Size 0.35 acres
Stories 3
Bedrooms 9
Full Baths 3
Total Rooms 18

Investment Metrics

Units 3
Unit 1 Rent — · N
Unit 2 Rent — · Y
Unit 3 Rent — · Y
Gross Income $67,140
Net Operating Income $67,140
Cap Rate 10.92%
Heating None
Cooling None
Flooring Hardwood
Appliances None
Fireplace None
Basement Full, Walk-out Access, Interior Entry
Laundry None
Features None
Construction Frame
Architecture None
Roof Rubber
Features Garden
Pool None
Spa None
Fencing None
Patio/Porch Porch
Features Paved Drive, Off Street, Paved
Total Spaces 9
Electric Circuit Breakers
Water Public
Sewer Public Sewer
Gas None
Other None

Financial

Annual Tax $6,700
Assessed Value $486,600
Fee Includes None
Amenities None
Optional Fee Includes None
Lead Paint Unknown
Seller Disclosures None
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
1924
Bedrooms
9
Full Bathrooms
3
Living Area
4,302 sq ft
Total Rooms
18
Stories
3
Levels
3

Floor Layout

Interior Features

Flooring: Hardwood
Appliances:
Interior Features:
Windows:
Basement: Full, Walk-Out Access, Interior Entry
Laundry:
Security:

Construction & Materials

Year Built: 1924
Structure Type:
Exterior Materials: Frame
Roof: Rubber
Foundation: Stone
Stories: 3

Utilities & Systems

Heating:
Cooling:
Hot Water: Oil
Water Source: Public
Sewer: Public Sewer
Energy Features:

Exterior & Lot

Exterior Features: Garden
Patio & Porch: Porch
Fencing:
Other Structures:
Lot Features: Level
Road Surface:

Parking & Garage

Total Parking Spaces: 9
Parking Features: Paved Drive, Off Street, Paved

Special Features

View: Yes
View Type: Scenic View(s)
Community Amenities: Park, Walk/Jog Trails, Sidewalks
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
E

Elementary Schools

2 schools
Wachusett Hills Christian School
2.8 mi
Grades K-08
C-
Gardner Elementary School
1.1 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
M

Middle Schools

1 school
D
Gardner Middle School
1.0 mi | #335 of 352 | Score: 27.0
Dropped 4 spots from last year
-31.2 below state avg
528 students Diverse
Grades 05-07
H

High Schools

2 schools
C+
Gardner High School
1.0 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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Monthly Payment Breakdown

Principal & Interest $0
Property Tax $558
Homeowners Insurance $200
PMI (if <20% down) $0

Loan Summary

Total of 360 payments $0
Total principal paid $0
Total interest paid $0

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Payment Over Time

Interest
Principal
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

49 Abbott Street, Gardner MA 01440

Gardner, MA 01440

Listing Information

Listing Agent Fermin Group
Listing Office Century 21 North East
Office Phone 978-208-0449
Agent MLS ID TM321052
Office MLS ID AN4356
Listing Data Updated Oct 21, 2026 6:34 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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