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287 Pine St, Gardner MA 01440

Gardner, MA 01440
$399,000
Est. $2,592/month
3
Beds
2
Baths
1,738
Sq Ft
$230
Price/Sq Ft
0.18
Acres
1910
Year Built
1
Garage Space
16
Days on Market
Active Listed Jun 24, 2026 • MLS# 73540960 Copied! • Updated Jun 28, 2026

About this home

This well-maintained two-family property presents an excellent opportunity for investors or owner-occupants seeking rental income. The first-floor unit features a comfortable 1-bedroom layout with the option of adding a second bedroom. As well as the convenience of laundry located in the basement. The second-floor unit offers 2 bedrooms and a functional floor plan designed for comfortable living, with laundry hookups in unit. Both units showcase beautiful hardwood floors, adding warmth and character throughout. With separate living spaces and strong rental appeal, this property is ideal for expanding your investment portfolio or generating supplemental income. Off street parking. Detached garage for potential additional income. One unit potentially delivered empty. Conveniently located and full of potential, this multi-family home is a fantastic opportunity you won't want to miss. Schedule your showing today!

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Property History

Property Timeline

🏠
Listed for Sale
Jun 24, 2026
$399,000
Original listing
Agent: Team Molet Office: Keller Williams Realty North Central

Tax History

Year Taxes Assessment
2026 $4,495 $326,400

Financial Details

Annual Property Tax
$4,495
Tax Year 2026
Assessed Value
$326,400

Facts & Features

1 Car Garage

Home Facts

Type Residential Income
Style 2 Family - 2 Units Up/Down
Year Built 1910
Living Area 1,738 sq ft
Lot Size 0.18 acres
Bedrooms 3
Full Baths 2
Total Rooms 10

Investment Metrics

Units 2
Unit 1 Rent $1,600/mo · Y
Unit 2 Rent $1,750/mo · Y
Total Monthly Rent $3,350/mo
Gross Income $39,600
Net Operating Income $39,600
Cap Rate 9.92%
Heating Baseboard, Natural Gas
Cooling None
Flooring Hardwood
Appliances Range, Dishwasher, Refrigerator, Washer, Dryer
Fireplace None
Basement Full, Walk-out Access, Concrete, Unfinished
Laundry Electric Dryer Hookup, Washer Hookup
Features Bathroom With Tub & Shower, Internet Available - Unknown, Ceiling Fan(s), Living Room, Kitchen, Laundry Room
Construction Frame
Architecture None
Roof Shingle
Features None
Pool None
Spa None
Fencing None
Patio/Porch None
Garage Spaces 1
Has Garage Yes
Features Off Street
Total Spaces 5
Electric 200+ Amp Service
Water Public
Sewer Public Sewer
Gas None
Other For Electric Range, For Electric Dryer, Washer Hookup

Financial

Annual Tax $4,495
Assessed Value $326,400
Fee Includes None
Amenities None
Optional Fee Includes None
Down Payment Resource Eligible
Seller Disclosures Rear Fire Escape Functional But In Need Of Some Repair. Driveway Easement With The Neighbor.
Exclusions 2nd Floor Washer And Dryer. Tenants Personal Property.
Possession None
Accepted Financing Contract
Structure Type []
House Color blue
Sq Ft Source Public Record
Sq Ft Disclosures 2nd floor storage room with laundry hook-ups, 1st floor could be 2 bedroom
Documents None
County Worcester
Total market time (incl. prior listings) 4 days

Property Overview

Property Type
2 Family - 2 Units Up/Down
Listing Type
For Sale
Year Built
1910
Bedrooms
3
Full Bathrooms
2
Living Area
1,738 sq ft
Total Rooms
10
Stories
2
Levels
2

Room Details

Other Floor

Bathroom1
Bedroom5
Bedroom4
Bedroom3
Dining Room
Kitchen
Bathroom2
Bedroom2
Living Room
Bathroom3
Master Bedroom
Office
Family Room
Master Bathroom

Interior Features

Flooring: Hardwood
Appliances: Range, Dishwasher, Refrigerator, Washer, Dryer
Interior Features: Bathroom With Tub & Shower, Internet Available - Unknown, Ceiling Fan(s), Living Room, Kitchen, Laundry Room
Windows:
Basement: Full, Walk-Out Access, Concrete, Unfinished
Laundry: Electric Dryer Hookup, Washer Hookup
Security:

Construction & Materials

Year Built: 1910
Structure Type:
Exterior Materials: Frame
Roof: Shingle
Foundation: Concrete Perimeter
Stories: 2

Heating, Cooling & Utilities

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

Exterior & Lot

Exterior Features:
Patio & Porch:
Fencing:
Other Structures:
Lot Features: Gentle Sloping
Road Surface: Paved

Parking & Garage

Garage Spaces: 1
Total Parking Spaces: 5
Parking Features: 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
2.4 mi
Grades K-08
C-
Gardner Elementary School
1.1 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
1.3 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
1.2 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
0.6 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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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 $375
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

287 Pine St, Gardner MA 01440

Gardner, MA 01440

Listing Information

Listing Agent Team Molet
Listing Office Keller Williams Realty North Central
Office Phone 978-840-9000
Agent MLS ID TM341770
Office MLS ID K95580
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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