6 Church St, Gardner MA 01440

Gardner, MA 01440
$450,000
Est. $2,890/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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6
Beds
2
Baths
2,456
Sq Ft
$183
Price/Sq Ft
0.16
Acres
1920
Year Built
6
Parking
New today
Time on Market
For Sale Open House Listed Oct 14, 2026 • MLS# 73590873 Copied! • Updated Oct 14, 2026

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Open House Schedule

18
Oct
Sunday, October 18
10:30 AM - 12:00 PM EDT

About this home

Welcome to this well-maintained two-family property in a great Gardner location, proudly owned by the same family for over 50 years! Situated on a corner lot, this property offers a wonderful opportunity for owner-occupants, investors, or those looking to expand their real estate portfolio. Each unit features 3 bedrooms, with its own exterior access, offering flexibility and convenience for a variety of living arrangements. The kitchen and dining area are conveniently combined, creating a functional layout with space for everyday meals, gathering, and entertaining. Both units offer comfortable living spaces with plenty of potential to make them your own. Additional features include a sun porch, perfect for enjoying your morning coffee or relaxing at the end of the day, along with a fenced-in backyard area offering outdoor space to enjoy. A walk-up attic provides excellent additional storage, while new electrical panels are a valuable recent improvement. With its long history of family ownership, well-maintained condition, and versatile two-family layout, this property is full of opportunity and ready for its next chapter. Showings begin at the Open House on Sunday, October 18, 2026, from 10:30 AM to 12:00 PM. Come explore the possibilities this Gardner property has to offer!

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Recently Sold Nearby

Price & Status History

Property Timeline

🏠
Listed for Sale
Oct 14, 2026
$450,000
Original listing
Agent: Kelly LaGrassa Office: LAER Realty Partners

Tax History

Year Taxes Assessment
2026 $4,975 $361,300

Financial Details

Annual Property Tax
$4,975
Tax Year 2026
Assessed Value
$361,300

Facts & Features

Home Facts

Type Residential Income
Style 2 Family - 2 Units Up/Down
Year Built 1920
Living Area 2,456 sq ft
Lot Size 0.16 acres
Stories 2
Bedrooms 6
Full Baths 2
Total Rooms 10

Investment Metrics

Units 2
Unit 1 Rent $2,000/mo · N
Unit 2 Rent $2,000/mo · N
Total Monthly Rent $4,000/mo
Gross Income $48,000
Net Operating Income $48,000
Cap Rate 10.67%
Heating Oil
Cooling Window Unit(s), None
Flooring Hardwood
Appliances Range, Dishwasher, Refrigerator
Fireplace None
Basement Full, Unfinished
Laundry None
Features Ceiling Fan(s), Walk-up Attic, Bathroom With Tub, Living Room, Dining Room, Kitchen
Construction Frame
Architecture None
Roof Shingle
Features None
Pool None
Spa None
Fencing None
Patio/Porch Enclosed
Features Paved Drive, Off Street
Total Spaces 6
Electric None
Water Public
Sewer Public Sewer
Gas None
Other None

Financial

Annual Tax $4,975
Assessed Value $361,300
Fee Includes None
Amenities None
Optional Fee Includes None
Lead Paint Unknown
Seller Disclosures Please Provide 24 Hours Notice For All Showings As There Are Animals On The Property. Subject To Seller Relocation.
Exclusions Personal Belongings.
Possession None
Accepted Financing None
Structure Type []
House Color Gray
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
1920
Bedrooms
6
Full Bathrooms
2
Living Area
2,456 sq ft
Total Rooms
10
Stories
2
Levels
2

Floor Layout

Interior Features

Flooring: Hardwood
Appliances: Range, Dishwasher, Refrigerator
Interior Features: Ceiling Fan(s), Walk-Up Attic, Bathroom With Tub, Living Room, Dining Room, Kitchen
Windows:
Basement: Full, Unfinished
Laundry:
Security:

Construction & Materials

Year Built: 1920
Structure Type:
Exterior Materials: Frame
Roof: Shingle
Foundation: Concrete Perimeter
Stories: 2

Utilities & Systems

Heating: Oil
Cooling: Window Unit(s), None
Hot Water:
Water Source: Public
Sewer: Public Sewer
Energy Features:

Exterior & Lot

Exterior Features:
Patio & Porch: Enclosed
Fencing:
Other Structures:
Lot Features: Corner Lot
Road Surface:

Parking & Garage

Total Parking Spaces: 6
Parking Features: Paved Drive, Off Street
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
3.2 mi
Grades K-08
C-
Gardner Elementary School
1.7 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
1.7 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
1.7 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
1.2 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 $415
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

6 Church St, Gardner MA 01440

Gardner, MA 01440

Listing Information

Listing Agent Kelly LaGrassa
Listing Office LAER Realty Partners
Office Phone 978-249-8800
Agent MLS ID NB115279
Office MLS ID AN7393
Listing Data Updated Oct 14, 2026 7:59 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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