61 Central Street, Fitchburg MA 01420

Fitchburg, MA 01420
$425,000
Est. $2,755/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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4
Beds
2.5
Baths
1,692
Sq Ft
$251
Price/Sq Ft
0.09
Acres
1830
Year Built
1
Garage Space
50
Days on Market
Sale Pending Listed Aug 21, 2026 • MLS# 73566824 Copied! • Updated Oct 12, 2026

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About this home

Charming sun-filled two-family home nestled in the heart of downtown Fitchburg! This exceptional investment or owner-occupant opportunity features hardwood floors, fireplaces and a whole lot of character! The lower unit moves easily from a defined entry into generous living and dining spaces, complete with 1.5 recently updated bathrooms, a kitchen featuring granite countertops and updated appliances, as well as 2 bedrooms. Upstairs, you are greeted with a deck nestled in the trees guiding you through to a spacious apartment. This unit boasts 2 bedrooms, a kitchen complete with an eat-in island, window seat and ample storage! Towards the front of the space you will find a generously sized living room as well as an updated full bath! This property is complete with a partial walk-out basement featuring laundry. Large stand alone 2 car garage allowing for driveway parking for both units. This multi-family home combines period charm, versatile occupancy, and an unbeatable location just minutes from dining, shopping, the commuter rail to Boston and Fitchburg State University! This property has recently undergone a MASS save audit; complete with updated insulation! Recent updates include: roof, water heater, bathrooms, upstairs kitchen, appliances top to bottom, and young furnace!

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Recently Sold Nearby

Price & Status History

Market Insights

Property Timeline

⏳
Pending Sale
Sep 24, 2026
Offer accepted, sale pending
🏠
Listed for Sale
Aug 21, 2026
$425,000
Original listing
Agent: Cyndi Deshaies Office: Lamacchia Realty, Inc.
🏠
Listed for Sale
Aug 21, 2026
$425,000
Original listing
Agent: Cyndi Deshaies Office: Lamacchia Realty, Inc.

Tax History

Year Taxes Assessment
2026 $4,868 $366,300

Financial Details

Annual Property Tax
$4,868
Tax Year 2026
Assessed Value
$366,300

Facts & Features

1 Car Garage

Home Facts

Type Residential Income
Style Multi Family
Year Built 1830
Living Area 1,692 sq ft
Lot Size 0.09 acres
Stories 2
Bedrooms 4
Full Baths 2
Half Baths 1
Total Rooms 9

Investment Metrics

Units 2
Unit 1 Rent — · N
Unit 2 Rent — · N
Heating Hot Water, Natural Gas
Cooling None
Flooring Wood, Vinyl, Concrete, Hardwood
Appliances Range, Dishwasher, Microwave, Refrigerator
Fireplace Wood Burning
Fireplaces 2
Basement Partial, Walk-out Access, Concrete, Unfinished
Laundry Electric Dryer Hookup, Washer Hookup
Features Stone/granite/solid Counters, Bathroom With Tub & Shower, Living Room, Dining Room, Kitchen
Construction Conventional (2x4-2x6)
Architecture None
Roof Shingle, Slate
Features Rain Gutters
Pool None
Spa None
Fencing None
Patio/Porch Deck, Deck - Wood
Garage Spaces 1
Has Garage Yes
Features Paved Drive, Paved
Total Spaces 5
Electric Circuit Breakers, 100 Amp Service
Water Public
Sewer Public Sewer
Gas None
Other For Gas Range, For Electric Dryer, Washer Hookup

Financial

Annual Tax $4,868
Assessed Value $366,300
Fee Includes None
Amenities None
Optional Fee Includes None
Lead Paint Unknown
Seller Disclosures Buyers And Buyers Agents To Perform Due Diligence. Some Photos May Be Virtually Enhanced.
Possession None
Accepted Financing None
Structure Type []
Sq Ft Source Public Record
Sq Ft Disclosures Measurements are approx.
Documents None
County Worcester
Total market time (incl. prior listings) 45 days

Property Overview

Property Type
Multi Family
Listing Type
Sale Pending
Year Built
1830
Bedrooms
4
Full Bathrooms
2
Half Bathrooms
1
Living Area
1,692 sq ft
Total Rooms
9
Stories
2
Levels
2

Floor Layout

Interior Features

Flooring: Wood, Vinyl, Concrete, Hardwood
Appliances: Range, Dishwasher, Microwave, Refrigerator
Interior Features: Stone/Granite/Solid Counters, Bathroom With Tub & Shower, Living Room, Dining Room, Kitchen
Windows: Storm Window(s)
Basement: Partial, Walk-Out Access, Concrete, Unfinished
Laundry: Electric Dryer Hookup, Washer Hookup
Security:

Construction & Materials

Year Built: 1830
Structure Type:
Exterior Materials: Conventional (2x4-2x6)
Roof: Shingle, Slate
Foundation: Stone, Brick/Mortar
Stories: 2

Utilities & Systems

Heating: Hot Water, Natural Gas
Heating Zones: 2
Cooling: None
Hot Water: Natural Gas, Tank
Water Source: Public
Sewer: Public Sewer
Energy Features:

Exterior & Lot

Exterior Features: Rain Gutters
Patio & Porch: Deck, Deck - Wood
Fencing:
Other Structures:
Lot Features:
Road Surface: Paved

Parking & Garage

Garage Spaces: 1
Total Parking Spaces: 5
Parking Features: Paved Drive, Paved

Special Features

Fireplaces: 2
Fireplace Type: Wood Burning
Community Amenities: Shopping, Park, Walk/Jog Trails, Medical Facility, Highway Access, Public School
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
Applewild School
0.6 mi
Grades K-09
St. Bernard Elementary School
1.4 mi
Grades PK-08
C
McKay Elementary School
0.9 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
1.0 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
1.8 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
0.1 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
1.1 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
1.2 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
Notre Dame Preparatory High School
0.7 mi
Grades 09-12
St. Bernard's Central Catholic High School
1.1 mi
Grades 09-12
C-
Goodrich Academy
1.2 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
C
Fitchburg High School
2.5 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
3.4 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 $406
Homeowners Insurance $200
PMI (if <20% down) $0

Loan Summary

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Payment Over Time

Interest
Principal
Year 1
95% Interest
Year 15
50/50
Year 30
95% Principal
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Location

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Neighborhood

61 Central Street, Fitchburg MA 01420

Fitchburg, MA 01420

Listing Information

Listing Agent Cyndi Deshaies
Listing Office Lamacchia Realty, Inc.
Office Phone 978-534-3400
Agent MLS ID CN221636
Office MLS ID AN5320
Listing Data Updated Oct 12, 2026 3:05 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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