560 Pearl St, Fitchburg MA 01420

Fitchburg, MA 01420
$475,000
Est. $3,033/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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5
Beds
2
Baths
2,100
Sq Ft
$226
Price/Sq Ft
0.33
Acres
1926
Year Built
4
Parking
New today
Time on Market
For Sale Open House Listed Nov 11, 2026 • MLS# 73600944 Copied! • Updated Nov 11, 2026

Track this home for price, status, and open-house alerts.

Open House Schedule

14
Nov
Saturday, November 14
11:00 AM - 12:30 PM EST

About this home

This two-family presents a rare opportunity featuring a private, wooded 0.33-acre lot! The second-floor 3 bedroom unit will be delivered vacant at closing, making this the perfect scenario for an owner-occupant looking to let a tenant help pay their mortgage, or an investor ready to optimize market rents right out of the gate. Both spacious units offer functional, light-filled layouts with generous room sizes and comfortable living areas. Outside, the unexpectedly wooded backyard provides rare privacy, mature shade, and endless possibilities for outdoor entertaining, gardening, or simple relaxation. Complete with dedicated off-street parking and a commuter-friendly location with quick access to the MBTA Commuter Rail and Fitchburg State University, this property offers an exceptional blend of privacy, passive income potential, and long-term value. Properties like this don't come on the market often! Don't miss it!

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Recently Sold Nearby

Price & Status History

Property Timeline

🏠
Listed for Sale
Nov 11, 2026
$475,000
Original listing
Agent: Nicholas L. Pelletier Office: Keller Williams Realty North Central

Tax History

Year Taxes Assessment
2026 $5,176 $389,500

Financial Details

Annual Property Tax
$5,176
Tax Year 2026
Assessed Value
$389,500

Facts & Features

Home Facts

Type Residential Income
Style 2 Family - 2 Units Up/Down
Year Built 1926
Living Area 2,100 sq ft
Lot Size 0.33 acres
Stories 2
Bedrooms 5
Full Baths 2
Total Rooms 10

Investment Metrics

Units 2
Unit 1 Rent $800/mo · N
Unit 2 Rent — · N
Total Monthly Rent $800/mo
Gross Income $12,000
Net Operating Income $12,000
Cap Rate 2.53%
Heating Forced Air, Natural Gas, Steam
Cooling None
Flooring Wood, Vinyl, Carpet
Appliances Range, Refrigerator, Microwave, Washer, Dryer
Fireplace None
Basement Full, Unfinished
Laundry None
Features None
Construction Frame
Architecture None
Roof Shingle
Features None
Pool None
Spa None
Fencing None
Patio/Porch Deck
Features Off Street
Total Spaces 4
Electric Circuit Breakers
Water Public
Sewer Public Sewer
Gas None
Other None

Financial

Annual Tax $5,176
Assessed Value $389,500
Fee Includes None
Amenities None
Optional Fee Includes None
Lead Paint Unknown
Seller Disclosures Hot Water Tanks Rented From Unitil.
Possession None
Accepted Financing None
Structure Type []
House Color Grey
Sq Ft Source Public Record
Documents None
County Worcester

Property Overview

Property Type
2 Family - 2 Units Up/Down
Listing Type
For Sale
Year Built
1926
Bedrooms
5
Full Bathrooms
2
Living Area
2,100 sq ft
Total Rooms
10
Stories
2
Levels
2

Floor Layout

Interior Features

Flooring: Wood, Vinyl, Carpet
Appliances: Range, Refrigerator, Microwave, Washer, Dryer
Interior Features:
Windows:
Basement: Full, Unfinished
Laundry:
Security:

Construction & Materials

Year Built: 1926
Structure Type:
Exterior Materials: Frame
Roof: Shingle
Foundation: Concrete Perimeter, Stone
Stories: 2

Utilities & Systems

Heating: Forced Air, Natural Gas, Steam
Heating Zones: 2
Cooling:
Hot Water: Natural Gas
Water Source: Public
Sewer: Public Sewer
Energy Features:

Exterior & Lot

Exterior Features:
Patio & Porch: Deck
Fencing:
Other Structures: Shed(s)
Lot Features: Wooded
Road Surface:

Parking & Garage

Total Parking Spaces: 4
Parking Features: Off Street
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
E

Elementary Schools

5 schools
St. Bernard Elementary School
1.3 mi
Grades PK-08
Applewild School
1.6 mi
Grades K-09
C
McKay Elementary School
0.7 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
C-
South Street Early Learning Center
1.8 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
Reingold Elementary School
3.2 mi | #606 of 825 | Score: 40.4
Improved 117 spots from last year
-17.8 below state avg
619 students Diverse
Rising School Diverse Student Body
Grades 01-05
M

Middle Schools

2 schools
D
Arthur M Longsjo Middle School
1.3 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
2.3 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
H

High Schools

6 schools
C+
Sizer School: A North Central Charter Essential School
1.5 mi | #221 of 346 | Score: 50.3
Improved 25 spots from last year
-8 below state avg
270 students Diverse
Strong AP Program Early College Program Rising School College Ready Curriculum
Grades 07-12
C-
Goodrich Academy
1.0 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
1.1 mi
Grades 09-12
Notre Dame Preparatory High School
1.6 mi
Grades 09-12
C
Fitchburg High School
2.6 mi | #263 of 346 | Score: 46.3
Improved 29 spots from last year
-11.9 below state avg
1,305 students Diverse
15 sports • 1,110 athletes
Early College Program Rising School Career Tech Programs College Ready Curriculum
Grades 09-12
A
Montachusett Regional Vocational Technical School
4.8 mi | #66 of 346 | Score: 65.0
Improved 9 spots from last year
+6.8 above state avg
1,403 students Moderate
High Graduation Rate Career Tech Programs College Ready Curriculum Strong Attendance
Grades 09-12
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Monthly Payment Breakdown

Principal & Interest $0
Property Tax $431
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

560 Pearl St, Fitchburg MA 01420

Fitchburg, MA 01420

Listing Information

Listing Agent Nicholas L. Pelletier
Listing Office Keller Williams Realty North Central
Office Phone 978-840-9000
Agent MLS ID CN200544
Office MLS ID K95580
Listing Data Updated Nov 11, 2026 8:57 AM EST
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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