205 Pine St, Gardner MA 01440

Gardner, MA 01440
$525,000
$515,000
Est. $3,293/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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5
Beds
3
Baths
1,816
Sq Ft
$284
Price/Sq Ft
0.26
Acres
1910
Year Built
6
Parking
86
Days on Market
For Sale Price Drop -$10,000 Listed Jul 14, 2026 • MLS# 73549176 Copied! • Updated Sep 16, 2026

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About this home

This well maintained three family property presents an excellent investment opportunity in a convenient location close to shopping, schools, major highways, and a variety of local amenities.The basement unit features a one bedroom apartment with electric heat. The first floor unit offers two bedrooms and is heated by a gas on gas heating system with separate electric service. The third floor unit also includes two bedrooms, gas on gas heat, and separate electric service. All tenants are responsible for paying their own utilities, making this an attractive income producing property.Additional features include two tandem parking spaces assigned to each unit and a spacious shared backyard, providing ample outdoor space for residents to enjoy.

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Recently Sold Nearby

Property History

Market Insights

1
Price Changes
1.9%
Price Range

Property Timeline

↓
Price Reduced
Aug 11, 2026
$515,000 $10,000 (-1.9%)
From $525,000 to $515,000 (-1.9%)
🏠
Listed for Sale
Jul 14, 2026
$525,000
Original listing
Agent: Daiana Diaz Office: Coldwell Banker Realty - Leominster

Tax History

Year Taxes Assessment
2026 $5,869 $426,200

Financial Details

Annual Property Tax
$5,869
Tax Year 2026
Assessed Value
$426,200

Facts & Features

Home Facts

Type Residential Income
Style 3 Family
Year Built 1910
Living Area 1,816 sq ft
Lot Size 0.26 acres
Stories 3
Bedrooms 5
Full Baths 3
Total Rooms 17

Investment Metrics

Units 3
Unit 1 Rent $1,750/mo · N
Unit 2 Rent $1,785/mo · N
Unit 3 Rent $1,200/mo
Total Monthly Rent $4,735/mo
Gross Income $38,400
Net Operating Income $38,400
Cap Rate 7.46%
Heating Natural Gas, Electric
Cooling None
Flooring Wood, Carpet
Appliances Range, Refrigerator
Fireplace None
Basement Partial, Finished, Walk-out Access, Interior Entry
Laundry Washer & Dryer Hookup, Washer Hookup
Features Ceiling Fan(s), Bathroom With Tub, Living Room, Kitchen, Sunroom, Mudroom
Construction Frame
Architecture None
Roof None
Features None
Pool None
Spa None
Fencing None
Patio/Porch Enclosed
Features Paved Drive, Assigned
Total Spaces 6
Electric 200+ Amp Service
Water Public
Sewer Public Sewer
Gas None
Other For Gas Range, Washer Hookup

Financial

Annual Tax $5,869
Assessed Value $426,200
Fee Includes None
Amenities None
Optional Fee Includes None
Down Payment Resource Eligible
Lead Paint Unknown
Seller Disclosures None
Possession None
Accepted Financing Contract
Structure Type []
House Color White
Sq Ft Source Public Record
Documents None
County Worcester
Total market time (incl. prior listings) 64 days

Property Overview

Property Type
3 Family
Listing Type
For Sale
Year Built
1910
Bedrooms
5
Full Bathrooms
3
Living Area
1,816 sq ft
Total Rooms
17
Stories
3
Levels
3

Floor Layout

Interior Features

Flooring: Wood, Carpet
Appliances: Range, Refrigerator
Interior Features: Ceiling Fan(s), Bathroom With Tub, Living Room, Kitchen, Sunroom, Mudroom
Windows:
Basement: Partial, Finished, Walk-Out Access, Interior Entry
Laundry: Washer & Dryer Hookup, Washer Hookup
Security:

Construction & Materials

Year Built: 1910
Structure Type:
Exterior Materials: Frame
Roof:
Foundation: Concrete Perimeter
Stories: 3

Heating, Cooling & Utilities

Heating: Natural Gas, Electric
Cooling:
Hot Water: Natural Gas, Electric
Water Source: Public
Sewer: Public Sewer
Energy Features:

Exterior & Lot

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

Parking & Garage

Total Parking Spaces: 6
Parking Features: Paved Drive, Assigned

Nearby Schools

School information not available for this location.

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
Total Cost
$0
Including down payment
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Down: $0
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Monthly Payment Breakdown

Principal & Interest $0
Property Tax $489
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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+0.5% 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.

Location

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Neighborhood

205 Pine St, Gardner MA 01440

Gardner, MA 01440

Listing Information

Listing Agent Daiana Diaz
Listing Office Coldwell Banker Realty - Leominster
Office Phone 978-840-4014
Agent MLS ID CN261006
Office MLS ID AN6215
Listing Data Updated Sep 16, 2026 9:43 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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