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643 West Street, Gardner MA 01440

Gardner, MA 01440
$329,000
Est. $2,197/month
3
Beds
1
Baths
1,700
Sq Ft
$194
Price/Sq Ft
0.33
Acres
1959
Year Built
Single Family Residence
Type
37
Days on Market
Active Price Drop -$20,000 Listed Oct 31, 2025 • MLS# 73450094 Copied!

About this home

Home is leased through April, Investors only! Listing well under market value - reap the monthly income, then complete remaining cosmetic renovations for massive ROI or keep the cash flow! This income-generating property offers immediate returns with serious upside potential.Recent upgrades include: All-new quartz countertops, massive back deck, brand new front privacy fence, complete home security system (3 cameras + Ring doorbell), new 5" aluminum gutters with downspouts around entire house. Title V septic inspection completed April 2024, tank pumped and serviced.Partially finished basement ready for YOUR vision - convert to in-law apartment, add 2 bedrooms, create workshop, man cave, home gym, office, studio - the possibilities are endless. Washer/dryer in basement.Sitting on expansive 1/3-acre lot with huge yard - rare find at this price point!Location advantage: Great Route 2 access for easy commute to

Property Overview

Property Type
Single Family Residence
Listing Type
For Sale
Year Built
1959
Bedrooms
3
Full Bathrooms
1
Living Area
1,700 sq ft
Total Rooms
5

Facts & Features

Home Facts

Type Residential
Style Single Family Residence
Year Built 1959
Living Area 1,700 sq ft
Lot Size 0.33 acres
Bedrooms 3
Full Baths 1
Total Rooms 5

Interior

Heating Oil, Electric
Cooling Window Unit(s)
Flooring Tile, Carpet, Hardwood
Appliances Electric Water Heater, Range, Dishwasher, Disposal, Microwave, Refrigerator, Washer, Dryer
Fireplace None
Fireplaces 1
Basement Partially Finished
Laundry First Floor
Features None

Exterior

Construction None
Architecture Ranch
Roof Asphalt/composition Shingles
Features Patio, Patio - Enclosed
Pool None
Spa None
Fencing None
Patio/Porch Patio, Enclosed

Parking

Features Stone/gravel, Unpaved

Utilities

Electric None
Water Public
Sewer Other
Gas None
Other None

Financial

Annual Tax $4,000
Assessed Value $261,200

Interior Features

Flooring: Tile, Carpet, Hardwood
Appliances: Electric Water Heater, Range, Dishwasher, Disposal, Microwave, Refrigerator, Washer, Dryer
Interior Features:
Windows:
Basement: Partially Finished
Laundry: First Floor
Security:

Construction & Materials

Style: Ranch
Year Built: 1959
Structure Type:
Exterior Materials:
Roof: Asphalt/Composition Shingles
Foundation: Block

Heating, Cooling & Utilities

Heating: Oil, Electric
Cooling: Window Unit(s)
Hot Water:
Water Source: Public
Sewer: Other
Energy Features:

Exterior & Lot

Exterior Features: Patio, Patio - Enclosed
Patio & Porch: Patio, Enclosed
Fencing:
Other Structures:
Lot Features: Level
Road Surface: Paved

Parking & Garage

Parking Features: Stone/Gravel, Unpaved

Special Features

Fireplaces: 1
Fireplace Type:
Community Amenities:

Location

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Neighborhood

643 West Street, Gardner MA 01440

Gardner, MA 01440

Walkability

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Schools

School information not available

Monthly Payment Calculator

Monthly Payment
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Principal, interest, taxes & insurance
Loan Amount
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After down payment
Total Interest
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Over life of loan
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Including down payment
%
Down: $0
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Monthly Payment Breakdown

Principal & Interest $0
Property Tax $333
Homeowners Insurance $200
PMI (if <20% down) $0

Loan Summary

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

Rate Impact

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Current Rate
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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.

Property History

Property Timeline

🏠
Listed for Sale
Oct 31, 2025
$329,000
Original listing
Agent: Ralph M Harvey III Office: Listwithfreedom.com

Price & Status History

Date Event Price Change
Oct 31, 2025 New Listing Added $329,000 —

Market Statistics

Days on Market
37 days
Price per Sq Ft
$194
Total Price Drop
-$20,000

Tax History

Year Taxes Assessment
2025 $4,000 $261,200

Financial Details

Annual Property Tax
$4,000
Tax Year 2025
Assessed Value
$261,200

Listing Information

Listing Agent Ralph M Harvey III
Listing Office Listwithfreedom.com
Agent MLS ID CN245803
Office MLS ID AN8050
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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