136 Chapel St, Gardner MA 01440 - Preview 1 136 Chapel St, Gardner MA 01440 - Preview 2 136 Chapel St, Gardner MA 01440 - Preview 3 136 Chapel St, Gardner MA 01440 - Preview 4 136 Chapel St, Gardner MA 01440 - Preview 5 136 Chapel St, Gardner MA 01440 - Preview 6
136 Chapel St, Gardner MA 01440 - Preview 1 136 Chapel St, Gardner MA 01440 - Preview 2 136 Chapel St, Gardner MA 01440 - Preview 3 136 Chapel St, Gardner MA 01440 - Preview 4 136 Chapel St, Gardner MA 01440 - Preview 5 136 Chapel St, Gardner MA 01440 - Preview 6

136 Chapel St, Gardner MA 01440

Gardner, MA 01440
$625,000
Est. $3,746/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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6.74
Acres
Residential
Type
38
Days on Market
For Sale Listed Aug 31, 2026 • MLS# 73570032 Copied! • Updated Sep 4, 2026

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About this home

Country Cottage on Chapel in Chair City set on a FIELD OF DREAMS - so much to love! Situated on a corner lot near the junction of 140 and 101 with Rt 2 access within minutes, this property offers so many options to explore! With almost 600 ft of street frontage on Smith and 6+ acres of LAND, the possibilities seem endless for those exploring sub-dividing, ADU, homesteading, barndominium, pool oasis, or your very own football field! The existing cape home allows for single level living with a 1st flr bdrm and bath w/WI shower, hardwood floors, gas fp, DR & LR. Upstairs you'll find two more bedrooms, original built in drawers, walk through closet, hardwood floors, and the cutest windows w/original folding shutters including a mini greenhouse window for those with a green thumb! A private back deck is perfect to enjoy morning coffee or dinner with friends while overlooking your HUGE backyard complete with sheds & greenhouse, carports, fruit trees, garden beds, perennials, and loads of wildlife!

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Recently Sold Nearby

Property History

Property Timeline

🏠
Listed for Sale
Aug 31, 2026
$625,000
Original listing
Agent: Heather Carbone Office: Central Mass Real Estate

Tax History

Year Taxes Assessment
2026 $4,627 $336,000

Financial Details

Annual Property Tax
$4,627
Tax Year 2026
Assessed Value
$336,000

Facts & Features

Home Facts

Type Land
Style Residential
Lot Size 6.74 acres

Exterior

Construction None
Architecture None
Roof None
Features None
Pool None
Spa None
Fencing None
Patio/Porch None

Utilities

Electric On-site
Water Public
Sewer Public Sewer
Gas None
Other None
Annual Tax $4,627
Assessed Value $336,000
Seller Disclosures Subject To Satisfactory Seller Relocation. Corner Street Frontage: Chapel Approx 168ft, Smith Approx 592ft. Buyers And Bas To Perform All Due Diligence. Propane Tank For Fp. Wood Stove In Basement. 2nd Driveway Off Smith St, Unpaved. Property Abuts North County Land Trust
Possession None
Accepted Financing None
Structure Type []
Documents None
County Worcester
Total market time (incl. prior listings) 7 days

Property Overview

Property Type
Residential
Listing Type
For Sale

Floor Layout

Interior Features

Flooring:
Appliances:
Interior Features:
Windows:
Basement:
Laundry:
Security:

Construction & Materials

Structure Type:
Exterior Materials:
Roof:
Foundation:

Heating, Cooling & Utilities

Heating:
Cooling:
Hot Water:
Water Source: Public
Sewer: Public Sewer
Energy Features:

Exterior & Lot

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

Parking & Garage

Parking Features:
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
1.1 mi
Grades K-08
C-
Gardner Elementary School
0.8 mi | #677 of 825 | Score: 37.1
Improved 88 spots from last year
-21.1 below state avg
1,071 students Diverse
Rising School Diverse Student Body
Grades PK-04
M

Middle Schools

1 school
D
Gardner Middle School
1.0 mi | #335 of 352 | Score: 27.0
Dropped 4 spots from last year
-31.2 below state avg
528 students Diverse
Grades 05-07
H

High Schools

2 schools
C+
Gardner High School
0.9 mi | #230 of 346 | Score: 49.5
Improved 83 spots from last year
-8.7 below state avg
797 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
1.4 mi | #325 of 346 | Score: 30.7
Improved 54 spots from last year
-27.5 below state avg
74 students Diverse
Early College Program Rising School Career Tech Programs
Grades 09-12
Learn about these ratings
School data provided by BMN Schools

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
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Including down payment
%
Down: $0
%

Monthly Payment Breakdown

Principal & Interest $0
Property Tax $386
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

136 Chapel St, Gardner MA 01440

Gardner, MA 01440

Listing Information

Listing Agent Heather Carbone
Listing Office Central Mass Real Estate
Office Phone 877-537-9997
Agent MLS ID H9500261
Office MLS ID H80011
Listing Data Updated Sep 4, 2026 3:05 AM EDT
Listing information is deemed reliable but not guaranteed. Data provided by MLS Property Information Network, Inc. All information should be independently verified.

Contact Us

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(617) 955-2224 contact@bmnboston.com
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