1220 Water Street, Fitchburg MA 01420

Fitchburg, MA 01420
$369,900
$359,900
Est. $2,311/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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4
Beds
1
Baths
1,195
Sq Ft
$301
Price/Sq Ft
0.13
Acres
1880
Year Built
2
Parking
45
Days on Market
For Sale Price Drop -$10,000 Listed Aug 24, 2026 • MLS# 73567405 Copied! • Updated Sep 29, 2026

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About this home

SELLER WANTS TO HELP LOWER YOUR MONTHLY MORTGAGE PAYMENT with a 1-1 seller-paid interest-rate buydown*Nicely updated during the current ownership, this inviting 4-bedroom Colonial offers modern updates, a versatile floor plan and plenty of space to make your own! The kitchen features NEW Acadia White cabinetry, stainless-steel electric range, dishwasher,microwave, modern fixtures, Cementino Gray tile flooring, plenty of storage and counter space. The main level offers a large living room with new Edward Oak luxury vinyl plank flooring & recessed lighting, plus a spacious first-floor bedroom with new carpeting. The upgraded full bathroom features a 30-inch oak vanity, Cementino Gray tile flooring, an elongated toilet, a beautifully tiled Bianco Dolomite tub & shower surround.Upstairs, you’ll find two additional bedrooms with new carpeting, along with a separate bonus room that would make a great home office, nursery, or creative space. Additional improvements include all-new windows, interior/ exterior doors, & new white vinyl siding accented by black board-and-batten details. The previous owner replaced the roof, porch in 2022 & upgraded the electrical service. Relax on the welcoming farmer’s porch with your morning coffee, or step outside and enjoy the paved Twin Cities Rail Trail, which abuts the backyard and offers convenient access for walking, running, biking and other outdoor activities.Conveniently located near major highways, shopping and the MBTA commuter rail. This move-in-ready home combines modern improvements with everyday convenience. Invest in yourself through homeownership and start your next chapter today!

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Property History

Market Insights

2
Price Changes
2.7%
Price Range

Property Timeline

↓
Price Reduced
Sep 23, 2026
$359,900 $5,000 (-1.37%)
From $364,900 to $359,900 (-1.4%)
↓
Price Reduced
Sep 6, 2026
$364,900 $5,000 (-1.35%)
From $369,900 to $364,900 (-1.4%)
🏠
Listed for Sale
Aug 24, 2026
$369,900
Original listing
Agent: Kelle O'Keefe Office: Keller Williams Realty North Central

Tax History

Year Taxes Assessment
2026 $3,491 $0

Financial Details

Annual Property Tax
$3,491
Tax Year 2026
Assessed Value
$0

Facts & Features

Home Facts

Type Residential
Style Single Family Residence
Year Built 1880
Living Area 1,195 sq ft
Lot Size 0.13 acres
Bedrooms 4
Full Baths 1
Total Rooms 7

Interior

Heating Forced Air, Natural Gas, Electric
Cooling None
Flooring Flooring - Wall To Wall Carpet
Appliances Gas Water Heater, Range, Dishwasher
Fireplace None
Basement Full, Walk-out Access, Interior Entry, Dirt Floor, Concrete, Unfinished
Laundry None
Features Office

Exterior

Construction Frame
Architecture Contemporary
Roof Shingle
Features Porch
Pool None
Spa None
Fencing None
Patio/Porch Porch
Features Paved Drive, Off Street
Total Spaces 2
Electric Circuit Breakers, 200+ Amp Service
Water Public
Sewer Public Sewer
Gas None
Other For Electric Range
Annual Tax $3,491
Assessed Value 0.00
Fee Includes None
Amenities None
Optional Fee Includes None
Down Payment Resource Eligible
Lead Paint Unknown
Seller Disclosures Seller Temporary-paid Buydown Is Subject To Lender Approval, Buyer Qualification, Loan-program Eligibility, & Agreed-upon Terms.flat Rate Of $6, 000.00. Buyer Can Opt To Utilize For Credit At Close. See Attached Info Example Flyer On Mls. Check With Buyers Lender For Details.
Possession None
Accepted Financing None
Structure Type []
Sq Ft Source Public Record
Documents None
County Worcester
Total market time (incl. prior listings) 36 days

Property Overview

Property Type
Single Family Residence
Listing Type
For Sale
Year Built
1880
Bedrooms
4
Full Bathrooms
1
Living Area
1,195 sq ft
Total Rooms
7

Floor Layout

Interior Features

Flooring: Flooring - Wall to Wall Carpet
Appliances: Gas Water Heater, Range, Dishwasher
Interior Features: Office
Windows:
Basement: Full, Walk-Out Access, Interior Entry, Dirt Floor, Concrete, Unfinished
Laundry:
Security:

Construction & Materials

Style: Contemporary
Year Built: 1880
Structure Type:
Exterior Materials: Frame
Roof: Shingle
Foundation: Block, Stone, Brick/Mortar

Heating, Cooling & Utilities

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

Exterior & Lot

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

Parking & Garage

Total Parking Spaces: 2
Parking Features: Paved Drive, Off Street

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
%

Monthly Payment Breakdown

Principal & Interest $0
Property Tax $291
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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Cost $0/mo

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

1220 Water Street, Fitchburg MA 01420

Fitchburg, MA 01420

Listing Information

Listing Agent Kelle O'Keefe
Listing Office Keller Williams Realty North Central
Office Phone 978-840-9000
Agent MLS ID G8002001
Office MLS ID K95580
Listing Data Updated Sep 29, 2026 3:31 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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