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186 Summer St, Gardner MA 01440

Gardner, MA 01440 • South Gardner
$370,000
$360,000
Est. $2,372/month
3
Beds
2
Baths
1,847
Sq Ft
$195
Price/Sq Ft
0.28
Acres
1880
Year Built
2
Garage Spaces
30
Days on Market
Active Price Drop -$10,000 Listed Jun 10, 2026 • MLS# 73533562 Copied! • Updated Jun 28, 2026

About this home

Welcome to this charming and well-loved home on Summer Street in one of Gardner’s most desirable neighborhoods. Spacious and meticulously maintained, this 4-bedroom, 2-bath property offers comfort, character, and room to grow. The former owners cherished this home for over 50 years, and it shows in the care and warmth throughout. The first floor offers an easy, functional layout featuring: A bright office, bathroom, bedroom with it's own bathroom. The kitchen is thoughtfully designed with generous counter space, a brand-new dishwasher, and a charming built-in pull-out butcher block. The laundry area is conveniently located here as well. From the kitchen, the home flows into a welcoming dining area and then into the main living space, creating a natural gathering spot for family and friends. The charm continues outdoors with a spacious backyard and 2 car garage. Many possibilities with this home!

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Recently Sold Nearby

Property History

Market Insights

1
Price Changes
2.7%
Price Range

Property Timeline

Price Reduced
Jun 24, 2026
$360,000 $10,000 (-2.7%)
From $370,000 to $360,000 (-2.7%)
👁️
Showing Instructions Updated
Jun 17, 2026
New showing requirements
👁️
Showing Instructions Updated
Jun 11, 2026
New showing requirements
🏠
Listed for Sale
Jun 10, 2026
$370,000
Original listing
Office: LAER Realty Partners

Tax History

Year Taxes Assessment
2025 $4,222 $294,000

Financial Details

Annual Property Tax
$4,222
Tax Year 2025
Assessed Value
$294,000

Facts & Features

2 Car Garage

Home Facts

Type Residential
Style Single Family Residence
Year Built 1880
Living Area 1,847 sq ft
Lot Size 0.28 acres
Bedrooms 3
Full Baths 2
Total Rooms 6

Interior

Heating Forced Air, Oil
Cooling Window Unit(s)
Flooring Tile, Vinyl, Carpet, Laminate, Hardwood
Appliances Water Heater, Range, Dishwasher, Refrigerator, Washer
Fireplace None
Basement Walk-out Access, Unfinished
Laundry First Floor, Washer Hookup
Features Home Office

Exterior

Construction None
Architecture Contemporary
Roof Shingle
Features Porch - Enclosed, Balcony, Fenced Yard
Pool None
Spa None
Fencing Fenced
Patio/Porch Porch - Enclosed
Garage Spaces 2
Has Garage Yes
Features Attached, Paved
Total Spaces 4
Electric 100 Amp Service, Knob & Tube Wiring
Water Public
Sewer Public Sewer
Gas None
Other Washer Hookup
Annual Tax $4,222
Assessed Value $294,000
Fee Includes None
Amenities None
Optional Fee Includes None
Down Payment Resource Eligible
Seller Disclosures Knob & Tube Electric On Second Floor Only, 1st Floor Updated. New Harvey Windows 10 Years Young!
Possession None
Accepted Financing Lender Approval Required
Structure Type []
House Color Green
Sq Ft Source Public Record
Sq Ft Disclosures Sizes are approximate
Documents None
County Worcester
Total market time (incl. prior listings) 18 days

Property Overview

Property Type
Single Family Residence
Listing Type
For Sale
Year Built
1880
Bedrooms
3
Full Bathrooms
2
Living Area
1,847 sq ft
Total Rooms
6

Room Details

First Floor

Bathroom1
5 x 10
Bedroom4
16 x 16
Bedroom3
12 x 14
Dining Room
16 x 18
Kitchen
16 x 20
Bathroom2
5 x 8
Bedroom2
14 x 16
Living Room
16 x 20
Master Bedroom
18 x 18
Office
8 x 10
Family Room
16 x 20

Other Floor

Bedroom5
Bathroom3
Master Bathroom

Interior Features

Flooring: Tile, Vinyl, Carpet, Laminate, Hardwood
Appliances: Water Heater, Range, Dishwasher, Refrigerator, Washer
Interior Features: Home Office
Windows: Insulated Windows
Basement: Walk-Out Access, Unfinished
Laundry: First Floor, Washer Hookup
Security:

Construction & Materials

Style: Contemporary
Year Built: 1880
Structure Type:
Exterior Materials:
Roof: Shingle
Foundation: Concrete Perimeter

Heating, Cooling & Utilities

Heating: Forced Air, Oil
Heating Zones: 2
Cooling: Window Unit(s)
Hot Water:
Water Source: Public
Sewer: Public Sewer
Energy Features:

Exterior & Lot

Exterior Features: Porch - Enclosed, Balcony, Fenced Yard
Patio & Porch: Porch - Enclosed
Fencing: Fenced
Other Structures:
Lot Features: Cleared, Gentle Sloping, Level
Road Surface:

Parking & Garage

Garage Spaces: 2
Garage Type: Attached
Total Parking Spaces: 4
Parking Features: Attached, Paved
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
1.8 mi
Grades K-08
C-
Gardner Elementary School
1.2 mi | #669 of 824 | Score: 37.5
Improved 96 spots from last year
-20.7 below state avg
1,087 students Diverse
Rising School Diverse Student Body
Grades PK-04
M

Middle Schools

1 school
F
Gardner Middle School
1.7 mi | #338 of 352 | Score: 26.8
Dropped 7 spots from last year
-31.4 below state avg
514 students Diverse
Grades 05-07
H

High Schools

2 schools
C+
Gardner High School
1.5 mi | #239 of 346 | Score: 47.5
Improved 74 spots from last year
-10.7 below state avg
808 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
0.9 mi | #331 of 346 | Score: 26.7
Improved 48 spots from last year
-31.6 below state avg
123 students Diverse
Early College Program Rising School Career Tech Programs
Grades 09-12
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Monthly Payment Calculator

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Over life of loan
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Including down payment
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Down: $0
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Monthly Payment Breakdown

Principal & Interest $0
Property Tax $352
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

South Gardner

186 Summer St, Gardner MA 01440

Gardner, MA 01440

Listing Information

Listing Agent Danielle Sargent
Listing Office LAER Realty Partners
Office Phone 978-827-4018
Agent MLS ID CN241746
Office MLS ID AN7660
Listing Data Updated Jun 28, 2026 4:05 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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