103 Ash Street, Gardner MA 01440

Gardner, MA 01440
$389,900
Est. $2,555/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
2
Baths
2,177
Sq Ft
$179
Price/Sq Ft
0.56
Acres
1900
Year Built
2
Garage Spaces
28
Days on Market
For Sale Listed Sep 10, 2026 • MLS# 73575073 Copied! • Updated Oct 8, 2026

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About this home

This generous size two family offers 2177 square feet of living area and over a half acre of land. The first floor boasts 3 bedrooms, an oversized eat in kitchen, a laundry room, full bath with walk in tub, and a living room adorned with vaulted ceiling complemented with a ceiling fan and skylights. There is also a large deck off the kitchen for enjoying the nice weather. The second floor offers 2 or 3 bedrooms, a full bath with laundry hookups, and a large eat in kitchen with a peninsula overlooking the living room with it's vaulted ceiling with skylight and ceiling fan. Completely separate entrances are a nice feature, as well as the garage, used for one car and a workshop/storage area.

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Property History

Market Insights

Property Timeline

•
Back On Market
Oct 4, 2026
Active
⏳
Pending Sale
Sep 25, 2026
Offer accepted, sale pending
🏠
Listed for Sale
Sep 10, 2026
$389,900
Original listing
Agent: Brenda Cormier Office: RE/MAX Vision

Tax History

Year Taxes Assessment
2026 $4,607 $334,600

Financial Details

Annual Property Tax
$4,607
Tax Year 2026
Assessed Value
$334,600

Facts & Features

2 Car Garage

Home Facts

Type Residential Income
Style 2 Family - 2 Units Up/Down
Year Built 1900
Living Area 2,177 sq ft
Lot Size 0.56 acres
Stories 2
Bedrooms 5
Full Baths 2
Total Rooms 11

Investment Metrics

Units 2
Unit 1 Rent — · N
Unit 2 Rent — · N
Heating Baseboard, Natural Gas, Floor Furnace
Cooling None
Flooring Tile, Vinyl, Carpet, Laminate
Appliances Range, Disposal, Refrigerator, Other, Dishwasher
Fireplace None
Basement Full, Interior Entry, Concrete
Laundry Washer Hookup, Dryer Hookup, Electric Dryer Hookup
Features Ceiling Fan(s), Bathroom With Tub & Shower, Open Floorplan, Living Room, Kitchen, Laundry Room, Office/den
Construction Frame
Architecture None
Roof Shingle
Features None
Pool None
Spa None
Fencing None
Patio/Porch Deck
Garage Spaces 2
Has Garage Yes
Features Paved Drive, Off Street
Total Spaces 4
Electric Circuit Breakers
Water Public
Sewer Public Sewer
Gas None
Other For Electric Range, For Electric Dryer, Washer Hookup

Financial

Annual Tax $4,607
Assessed Value $334,600
Fee Includes None
Amenities None
Optional Fee Includes None
Down Payment Resource Eligible
Lead Paint Unknown
Seller Disclosures None
Possession None
Accepted Financing None
Structure Type []
Sq Ft Source Public Record
Documents None
County Worcester
Total market time (incl. prior listings) 19 days

Property Overview

Property Type
2 Family - 2 Units Up/Down
Listing Type
For Sale
Year Built
1900
Bedrooms
5
Full Bathrooms
2
Living Area
2,177 sq ft
Total Rooms
11
Stories
2
Levels
2

Floor Layout

Interior Features

Flooring: Tile, Vinyl, Carpet, Laminate
Appliances: Range, Disposal, Refrigerator, Other, Dishwasher
Interior Features: Ceiling Fan(s), Bathroom With Tub & Shower, Open Floorplan, Living Room, Kitchen, Laundry Room, Office/Den
Windows: Skylight(s)
Basement: Full, Interior Entry, Concrete
Laundry: Washer Hookup, Dryer Hookup, Electric Dryer Hookup
Security:

Construction & Materials

Year Built: 1900
Structure Type:
Exterior Materials: Frame
Roof: Shingle
Foundation: Block, Stone, Brick/Mortar
Stories: 2

Heating, Cooling & Utilities

Heating: Baseboard, Natural Gas, Floor Furnace
Cooling:
Hot Water: Natural Gas, Tank
Water Source: Public
Sewer: Public Sewer
Energy Features:

Exterior & Lot

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

Parking & Garage

Garage Spaces: 2
Total Parking Spaces: 4
Parking Features: Paved Drive, Off Street

Nearby Schools

School information not available for this location.

Monthly Payment Calculator

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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
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Down: $0
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Monthly Payment Breakdown

Principal & Interest $0
Property Tax $384
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

103 Ash Street, Gardner MA 01440

Gardner, MA 01440

Listing Information

Listing Agent Brenda Cormier
Listing Office RE/MAX Vision
Office Phone 978-847-0800
Agent MLS ID H7520747
Office MLS ID AN8091
Listing Data Updated Oct 8, 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.

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