190 Pine St, Gardner MA 01440

Gardner, MA 01440

$408,000

Est. $2,682/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

2

Baths

2,702

Sq Ft

$151

Price/Sq Ft

0.15

Acres

1905

Year Built

1

Garage Space

Multi Family

Type

36

Days on Market

For Sale Listed Sep 2, 2026 • MLS# 73571436 Copied! • Updated Sep 6, 2026

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About this home

Well maintained 2 family with large unfinished attic 1st floor unit has a pellet stove in the middle of the unit. 2nd floor unit has a heatpump but the seller has no information about the condition. Both units have the same floor plan and both have 2 bedrooms, 1 bath, large kitchen with separate galley. All appliances will be included as shown. Further enhancing the property's functionality is a single garage space, providing convenient parking and storage solutions. The generous 6530 square foot lot size offers ample outdoor space for various potential uses. To explore the potential of this compelling multi-family property, we encourage you to schedule a private viewing.

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Recently Sold Nearby

Property History

Property Timeline

🏠

Listed for Sale

Sep 3, 2026

$408,000

Original listing

Agent: Harold J. Salant Office: One Call Realty

Detailed History Table ▼

Date	Event	Price	Change	$/sqft	Details
09/03/2026	🏠 Listed for Sale	$408,000	-	-	Original listing

Tax History

Year	Taxes	Assessment
2026	$5,026	$365,000

Financial Details

Annual Property Tax

$5,026

Tax Year 2026

Assessed Value

$365,000

Facts & Features

1 Car Garage

Home Facts

Type Residential Income

Style Multi Family

Year Built 1905

Living Area 2,702 sq ft

Lot Size 0.15 acres

Stories 2

Bedrooms 4

Full Baths 2

Total Rooms 10

Investment Metrics

Units 2

Unit 1 Rent — · N

Unit 2 Rent — · N

Interior

Heating Central, Natural Gas

Cooling None

Flooring None

Appliances None

Fireplace None

Basement Full, Walk-out Access, Interior Entry, Garage Access

Laundry None

Features Living Room, Dining Room, Kitchen

Exterior

Construction Frame

Architecture None

Roof Shingle

Features None

Pool None

Spa None

Fencing None

Patio/Porch Porch

Parking

Garage Spaces 1

Has Garage Yes

Features Shared Driveway, Off Street, Paved

Total Spaces 5

Utilities

Electric None

Water Public

Sewer Public Sewer

Gas None

Other None

Financial

Annual Tax $5,026

Assessed Value $365,000

HOA & Community

Fee Includes None

Amenities None

Optional Fee Includes None

MA Disclosures

Lead Paint Unknown

Seller Disclosures 2nd Floor Furnace Broke And Is Now Tied Into 1st Floor Unit. 2nd Floor Heatpump But Owner Has No Knowledge If Working. Solar Panels Were Installed When Roof Was Replaced Around 2019, And Owner Stopped Making Payments When Installment Increased.

Additional Details

Possession None

Accepted Financing None

Structure Type []

Sq Ft Source Public Record

Sq Ft Disclosures LIVING AREA IS FROM PUBLIC RECORD. BUYER AND BUYERS AGENT TO CONFIRM. L.A. MAKES NO WARRANTY

Documents None

County Worcester

Total market time (incl. prior listings) 5 days

Property Overview

Property Type

Multi Family

Listing Type

For Sale

Year Built

1905

Bedrooms

4

Full Bathrooms

2

Living Area

2,702 sq ft

Total Rooms

10

Stories

2

Levels

2

Floor Layout

Interior Features

Flooring:

Appliances:

Interior Features: Living Room, Dining Room, Kitchen

Windows:

Basement: Full, Walk-Out Access, Interior Entry, Garage Access

Laundry:

Security:

Construction & Materials

Year Built: 1905

Structure Type:

Exterior Materials: Frame

Roof: Shingle

Foundation: Concrete Perimeter

Stories: 2

Heating, Cooling & Utilities

Heating: Central, Natural Gas

Cooling:

Hot Water:

Water Source: Public

Sewer: Public Sewer

Energy Features:

Exterior & Lot

Exterior Features:

Patio & Porch: Porch

Fencing:

Other Structures:

Lot Features: Gentle Sloping

Road Surface:

Parking & Garage

Garage Spaces: 1

Total Parking Spaces: 5

Parking Features: Shared Driveway, Off Street, Paved

Nearby Schools

School information not available for this location.

Monthly Payment Calculator

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After down payment

Total Interest

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Over life of loan

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Including down payment

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Down Payment

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Down: $0

Interest Rate

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Loan Term 30 years 15 years

Monthly Payment Breakdown

Principal & Interest $0

Property Tax $419

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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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

190 Pine St, Gardner MA 01440

Gardner, MA 01440

Listing Information

Listing Agent Harold J. Salant

Listing Office One Call Realty

Office Phone 617-782-2255

Agent MLS ID E9500648

Office MLS ID E95078

Listing Data Updated Sep 6, 2026 3:07 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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