117 Greenwood Street, Gardner MA 01440

Gardner, MA 01440
$499,900
$495,000
Est. $2,983/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
1,668
Sq Ft
$297
Price/Sq Ft
0.25
Acres
1900
Year Built
4
Parking
21
Days on Market
For Sale Price Drop -$4,900 Listed Sep 17, 2026 • MLS# 73578771 Copied! • Updated Oct 6, 2026

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About this home

*Seller is offering $5000 for closing costs and prepaids* Nestled in the heart of Gardner, MA, this charming 2-family home offers a large backyard and features both a cozy front porch and inviting deck, offering ample space to enjoy the changing seasons. Freshly painted throughout, each unit is thoughtfully designed with modern comforts in mind, showcasing two spacious bedrooms and updated full bath both with tile flooring. Each kitchen gleams with stainless steel appliances, seamlessly blending with the new bath and shower updates, contemporary vanities, and new laminate flooring throughout both units. Heat and hot water are included, for year-round comfort. A washer and dryer in the basement are available for the convenience of both units, while electric meters are separate. Whether you're looking for a family home with rental potential or an investment property, this meticulously updated two-family residence is sure to impress you. Schedule showing time now.

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Property History

Market Insights

1
Price Changes
1%
Price Range

Property Timeline

↓
Price Reduced
Oct 6, 2026
$495,000 $4,900 (-0.98%)
From $499,900 to $495,000 (-1.0%)
🏠
Listed for Sale
Sep 17, 2026
$499,900
Original listing
Office: Castinetti Realty Group

Tax History

Year Taxes Assessment
2025 $3,363 $234,200

Financial Details

Annual Property Tax
$3,363
Tax Year 2025
Assessed Value
$234,200

Facts & Features

Home Facts

Type Residential Income
Style 2 Family - 2 Units Up/Down
Year Built 1900
Living Area 1,668 sq ft
Lot Size 0.25 acres
Stories 2
Bedrooms 4
Full Baths 2
Total Rooms 4

Investment Metrics

Units 2
Unit 1 Rent $2,050/mo · Y
Unit 2 Rent $1,950/mo · Y
Total Monthly Rent $4,000/mo
Gross Income $48,000
Net Operating Income $48,000
Cap Rate 9.70%
Heating Baseboard, Oil
Cooling None
Flooring Wood, Hardwood
Appliances Range, Dishwasher, Microwave, Refrigerator, Freezer
Fireplace None
Basement Concrete, Unfinished
Laundry Electric Dryer Hookup
Features Pantry, Lead Certification Available, Upgraded Cabinets, Upgraded Countertops, Bathroom With Tub, Living Room, Kitchen, Family Room, Living Rm/dining Rm Combo
Construction Frame
Architecture None
Roof Shingle
Features None
Pool None
Spa None
Fencing None
Patio/Porch Deck - Vinyl
Features Paved Drive, Off Street, Unpaved
Total Spaces 4
Electric 110 Volts, 200+ Amp Service
Water Public
Sewer Public Sewer
Gas None
Other For Electric Range, For Electric Oven, For Electric Dryer

Financial

Annual Tax $3,363
Assessed Value $234,200
Fee Includes None
Amenities None
Optional Fee Includes None
Down Payment Resource Eligible
Lead Paint Certified Treated, Unknown
Seller Disclosures Seller Has Never Lived In Property. Building Will Be Sold With Tenants In Both Apartments.
Exclusions Property Sold In An As Is Condition.
Possession None
Accepted Financing None
Structure Type []
House Color Blue
Sq Ft Source Appraiser
Sq Ft Disclosures Measurements are approx and should be verified.
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
4
Full Bathrooms
2
Living Area
1,668 sq ft
Total Rooms
4
Stories
2
Levels
2

Floor Layout

Interior Features

Flooring: Wood, Hardwood
Appliances: Range, Dishwasher, Microwave, Refrigerator, Freezer
Interior Features: Pantry, Lead Certification Available, Upgraded Cabinets, Upgraded Countertops, Bathroom With Tub, Living Room, Kitchen, Family Room, Living RM/Dining RM Combo
Windows: Insulated Windows
Basement: Concrete, Unfinished
Laundry: Electric Dryer Hookup
Security:

Construction & Materials

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

Heating, Cooling & Utilities

Heating: Baseboard, Oil
Cooling: None
Hot Water: Oil, Electric
Water Source: Public
Sewer: Public Sewer
Energy Features:

Exterior & Lot

Exterior Features:
Patio & Porch: Deck - Vinyl
Fencing:
Other Structures:
Lot Features: Cleared, Level
Road Surface:

Parking & Garage

Total Parking Spaces: 4
Parking Features: Paved Drive, Off Street, Unpaved
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
2.8 mi
Grades K-08
C-
Gardner Elementary School
1.5 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
1.6 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
1.5 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
0.9 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
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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 $280
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

117 Greenwood Street, Gardner MA 01440

Gardner, MA 01440

Listing Information

Listing Agent Elie Karak
Listing Office Castinetti Realty Group
Office Phone 508-719-8804
Agent MLS ID CN245500
Office MLS ID AN4508
Listing Data Updated Oct 6, 2026 10:08 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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