1220 Water Street, Fitchburg MA 01420

Fitchburg, MA 01420
$369,900
Est. $2,361/month
3
Beds
1
Baths
1,195
Sq Ft
$310
Price/Sq Ft
0.13
Acres
1880
Year Built
2
Parking
8 minutes
Time on Market
For Sale Listed Aug 24, 2026 • MLS# 73567405 Copied! • Updated Aug 24, 2026

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About this home

Nicely updated during the current ownership, this inviting 3-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

Property Timeline

🏠
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 3
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
Lead Paint Unknown
Seller Disclosures Seller Nor List Agent Make Any Warranties Or Guarantees. Buyer/agent To Perform Any Diligence They Require! Year Built Is With The City With An *. Oil Tank To Be Removed & Capped Prior To Close. More Pics To Come. Some Virtually Enhanced As Seller Completing Punch List!
Possession None
Accepted Financing None
Structure Type []
Sq Ft Source Public Record
Documents None
County Worcester

Property Overview

Property Type
Single Family Residence
Listing Type
For Sale
Year Built
1880
Bedrooms
3
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
School District
Fitchburg School District local
C+
School Safety 2024-25
8.1% Above Average
4.6% Suspensions 4.6% In-School 3.5% Emergency
2.6% above state avg
E

Elementary Schools

5 schools
St. Bernard Elementary School
0.9 mi
Grades PK-08
Applewild School
2.7 mi
Grades K-09
C-
South Street Early Learning Center
1.2 mi | #697 of 824 | Score: 48.1
Same rank as last year
Limited historical data for year-over-year comparison
570 students Diverse
Grades PK-K
C
McKay Elementary School
2.4 mi | #661 of 824 | Score: 38.0
Improved 70 spots from last year
-20.2 below state avg
754 students Diverse
Rising School
Grades 01-05
C
Reingold Elementary School
2.8 mi | #610 of 824 | Score: 40.4
Improved 113 spots from last year
-17.8 below state avg
679 students Diverse
Rising School Diverse Student Body
Grades 01-05
M

Middle Schools

2 schools
C
Memorial Middle School
1.8 mi | #274 of 352 | Score: 33.9
Dropped 4 spots from last year
-24.3 below state avg
601 students Diverse
Diverse Student Body
Grades 06-08
D
Arthur M Longsjo Middle School
2.1 mi | #323 of 352 | Score: 28.9
Improved 17 spots from last year
-29.3 below state avg
614 students Diverse
Grades 06-08
H

High Schools

6 schools
C+
Sizer School: A North Central Charter Essential School
3.1 mi | #221 of 346 | Score: 49.3
Improved 25 spots from last year
-8.9 below state avg
282 students Diverse
Early College Program Rising School College Ready Curriculum
Grades 07-12
St. Bernard's Central Catholic High School
1.2 mi
Grades 09-12
C-
Goodrich Academy
1.2 mi | #23 of 25 | Score: 20.5
Improved 363 spots from last year
-37.8 below state avg
186 students Diverse
Rising School
Grades 09-12
Notre Dame Preparatory High School
1.5 mi
Grades 09-12
A
Montachusett Regional Vocational Technical School
4.2 mi | #64 of 346 | Score: 65.1
Improved 11 spots from last year
+6.9 above state avg
1,417 students Moderate
High Graduation Rate Career Tech Programs College Ready Curriculum Strong Attendance
Grades 09-12
C
Fitchburg High School
4.4 mi | #255 of 346 | Score: 45.8
Improved 37 spots from last year
-12.4 below state avg
1,220 students Diverse
15 sports • 1,110 athletes
Early College Program High Graduation Rate Rising School Career Tech Programs
Grades 09-12
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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

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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

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 Aug 24, 2026 1:26 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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