LevelSecond
55 Cottage Street, Fitchburg MA 01420
Fitchburg, MA 01420
$445,000
$416,500
Est. $2,683/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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Open House Schedule
10
Oct
Saturday, October 10
11:00 AM - 12:30 PM EDT
About this home
BUYER INCENTIVE - $5K CLOSING COST CREDIT TO THE BUYER or will consider renting also. This home is in move-in condition with gas heat. Colonial style home with 1,536 sq. ft. of living area with generous sized rooms of 4 bedrooms on 2nd floor and one first floor or home office, living room and dining room. Recent improvements are architectural roof (Jan/2017), gutters, freshly painted rooms & re-finished deck plus a remodeled full bathroom & half bath. The eat-in kitchen has Corian counters, new stove, large pantry, kitchen bar open to dining room. Option for laundry to be on first floor (pantry hook-up) is currently in the basement. Paved driveway for 4-5 cars and a shed. Enjoy the large private two-tiered yard that gives you distinct zones for different outdoor activities. Close to Rte. 2 and Great Wolf Lodge, Fitchburg University, MWC College and Wachusett Mountain Ski area.
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Public Records & Permits
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Recently Sold Nearby
Property History
Market Insights
3
Price Changes
6.4%
Price Range
Property Timeline
Price Reduced
Sep 8, 2026
$416,500
$3,500
(-0.83%)
From $420,000 to $416,500 (-0.8%)
Price Reduced
Jul 26, 2026
$420,000
$14,500
(-3.34%)
From $434,500 to $420,000 (-3.3%)
Price Reduced
Jul 14, 2026
$434,500
$10,500
(-2.36%)
From $445,000 to $434,500 (-2.4%)
Listed for Sale
Jun 20, 2026
$445,000
Original listing
Office: Coldwell Banker Realty - Leominster
| Date | Event | Price | Change | $/sqft | Details |
|---|---|---|---|---|---|
| 09/08/2026 | ↓ Price Reduced | $416,500 | $3,500 | - | From $420,000 to $416,500 (-0.8%) |
| 07/26/2026 | ↓ Price Reduced | $420,000 | $14,500 | - | From $434,500 to $420,000 (-3.3%) |
| 07/14/2026 | ↓ Price Reduced | $434,500 | $10,500 | - | From $445,000 to $434,500 (-2.4%) |
| 06/20/2026 | 🏠 Listed for Sale | $445,000 | - | - | Original listing |
Tax History
| Year | Taxes | Assessment |
|---|---|---|
| 2026 | $4,520 | $340,100 |
Financial Details
Annual Property Tax
$4,520
Tax Year 2026
Assessed Value
$340,100
Facts & Features
Home Facts
Type
Residential
Style
Single Family Residence
Year Built
1908
Living Area
1,536 sq ft
Lot Size
0.27 acres
Bedrooms
4
Full Baths
1
Half Baths
1
Total Rooms
8
Interior
Heating
Steam, Natural Gas
Cooling
Window Unit(s)
Flooring
Wood Laminate
Appliances
Gas Water Heater, Leased Water Heater, Oven, Dishwasher, Refrigerator
Fireplace
None
Basement
Full, Partially Finished, Walk-out Access
Laundry
In Basement, Electric Dryer Hookup, Washer Hookup
Features
None
Exterior
Construction
Frame
Architecture
Colonial
Roof
Shingle
Features
Deck - Wood
Pool
None
Spa
None
Fencing
None
Patio/Porch
Deck - Wood
Parking
Features
Paved Drive, Tandem, Paved
Total Spaces
4
Utilities
Electric
Circuit Breakers, 100 Amp Service
Water
Public
Sewer
Public Sewer
Gas
None
Other
For Electric Range, For Electric Oven, For Electric Dryer, Washer Hookup
Financial
Annual Tax
$4,520
Assessed Value
$340,100
HOA & Community
Fee Includes
None
Amenities
None
Optional Fee Includes
None
Down Payment Resource
Eligible
MA Disclosures
Lead Paint
Unknown
Seller Disclosures
Leased Hot Water-- New One Just Installed. Fha & Conventional & Quick Closing Available.
Exclusions
Washer & Dryer (Negotiable).
Additional Details
Possession
None
Accepted Financing
Lender Approval Required
Structure Type
[]
House Color
White
Sq Ft Source
Public Record
Documents
None
County
Worcester
Total market time (incl. prior listings)
108 days
Property Overview
Property Type
Single Family Residence
Listing Type
For Sale
Year Built
1908
Bedrooms
4
Full Bathrooms
1
Half Bathrooms
1
Living Area
1,536 sq ft
Total Rooms
8
Floor Layout
Interactive room guide
Floor Layout
Finished Area
1,536 sq ft above grade
922 sq ft below grade
LevelSecond
LevelSecond
LevelSecond
LevelSecond
LevelFirst
LevelFirst
LevelFirst
LevelFirst
LevelFirst
FeaturesNo
Display Options
Outdoor Areas
Patio & porchDeck - Wood
Room Markers
KKitchen (1)
BRBedroom (5)
BABathroom (3)
DDining (1)
LLiving (1)
Conceptual diagram based on MLS room data. It is not to scale and is not a substitute for architectural plans or on-site measurements.
Interior Features
Flooring:
Wood Laminate
Appliances:
Gas Water Heater, Leased Water Heater, Oven, Dishwasher, Refrigerator
Interior Features:
Windows:
Basement:
Full, Partially Finished, Walk-Out Access
Laundry:
In Basement, Electric Dryer Hookup, Washer Hookup
Security:
Security System
Construction & Materials
Style:
Colonial
Year Built:
1908
Structure Type:
Exterior Materials:
Frame
Roof:
Shingle
Foundation:
Stone
Heating, Cooling & Utilities
Heating:
Steam, Natural Gas
Heating Zones:
1
Cooling:
Window Unit(s)
Hot Water:
Water Source:
Public
Sewer:
Public Sewer
Energy Features:
Exterior & Lot
Exterior Features:
Deck - Wood
Patio & Porch:
Deck - Wood
Fencing:
Other Structures:
Lot Features:
Gentle Sloping
Road Surface:
Paved
Parking & Garage
Total Parking Spaces:
4
Parking Features:
Paved Drive, Tandem, Paved
Nearby Schools
School information not available for this location.
Monthly Payment Calculator
Monthly Payment
$0
Principal, interest, taxes & insurance
Loan Amount
$0
After down payment
Total Interest
$0
Over life of loan
Total Cost
$0
Including down payment
%
Down: $0
%
Monthly Payment Breakdown
Principal & Interest
$0
Property Tax
$377
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
-0.5% Rate
$0/mo
Save $0/mo
Current Rate
$0/mo
+0.5% Rate
$0/mo
Cost $0/mo
Payment Over Time
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
55 Cottage Street, Fitchburg MA 01420
Fitchburg, MA 01420
Listing Information
Listing Agent
Linda Zichelle
Listing Office
Coldwell Banker Realty - Leominster
Office Phone
978-840-4014
Agent MLS ID
BB923636
Office MLS ID
AN6215
Listing Data Updated
Oct 6, 2026 6:19 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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