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282 Charles St, Fitchburg MA 01420

Fitchburg, MA 01420
$524,900
Est. $3,424/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
Beds
3
Baths
2,196
Sq Ft
$239
Price/Sq Ft
0.11
Acres
1897
Year Built
5
Parking
3 Family
Type
7
Days on Market
For Sale Listed Oct 1, 2026 • MLS# 73585512 Copied! • Updated Oct 8, 2026

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About this home

Don't miss this exceptional value and rare investment opportunity in Fitchburg! Nestled on a peaceful, quiet residential street, this three-family property offers the timeless curb appeal with the feel of a single-family home. Not your standard triple decker! This property features two ample sized one bed apartments and a large 2 level 2nd floor apartment with four bedrooms! Positioned just a short distance from the popular Fitchburg Rock Walk, the location provides the perfect balance of tranquil neighborhood living and easy access to scenic outdoor recreation, downtown amenities, and the MBTA Commuter Rail. Property also features separated gas and electric, off street parking, and a fenced in back yard! Recent updates include new boiler, cosmetic updates to units and recent rubber roof off back of property. Priced To Sell!... don't wait or you may miss the opportunity!

BMN Estimate

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A free agent CMA factors in condition, upgrades, and the street — the things comps alone can't see.

Recently Sold Nearby

Property History

Property Timeline

🏠
Listed for Sale
Oct 1, 2026
$524,900
Original listing
Agent: Nicholas L. Pelletier Office: Keller Williams Realty North Central

Tax History

Year Taxes Assessment
2026 $6,840 $428,700

Financial Details

Annual Property Tax
$6,840
Tax Year 2026
Assessed Value
$428,700

Facts & Features

Home Facts

Type Residential Income
Style 3 Family
Year Built 1897
Living Area 2,196 sq ft
Lot Size 0.11 acres
Stories 4
Bedrooms 6
Full Baths 3
Total Rooms 12

Investment Metrics

Units 3
Unit 1 Rent $1,250/mo · N
Unit 2 Rent $1,800/mo · N
Unit 3 Rent $1,000/mo · N
Total Monthly Rent $4,050/mo
Gross Income $48,600
Net Operating Income $48,600
Cap Rate 9.26%
Heating None
Cooling None
Flooring Wood, Vinyl
Appliances None
Fireplace None
Basement Full, Unfinished
Laundry None
Features Living Room, Kitchen
Construction Frame
Architecture None
Roof Slate
Features None
Pool None
Spa None
Fencing Fenced
Patio/Porch Porch, Deck
Features Off Street
Total Spaces 5
Electric Circuit Breakers, Individually Metered
Water Public
Sewer Public Sewer
Gas None
Other None

Financial

Annual Tax $6,840
Assessed Value $428,700
Fee Includes None
Amenities None
Optional Fee Includes None
Down Payment Resource Eligible
Lead Paint Certified Treated, Unknown
Seller Disclosures One Of The Coin Op Washer/dryer Units In Basement Is Not Operational And Can Be Removed Prior To Closing If Desired
Possession None
Accepted Financing None
Structure Type []
House Color White
Sq Ft Source Public Record
Documents None
County Worcester
Total market time (incl. prior listings) 7 days

Property Overview

Property Type
3 Family
Listing Type
For Sale
Year Built
1897
Bedrooms
6
Full Bathrooms
3
Living Area
2,196 sq ft
Total Rooms
12
Stories
4
Levels
4

Floor Layout

Interior Features

Flooring: Wood, Vinyl
Appliances:
Interior Features: Living Room, Kitchen
Windows:
Basement: Full, Unfinished
Laundry:
Security:

Construction & Materials

Year Built: 1897
Structure Type:
Exterior Materials: Frame
Roof: Slate
Foundation: Granite, Irregular
Stories: 4

Heating, Cooling & Utilities

Heating:
Heating Zones: 3
Cooling:
Hot Water:
Water Source: Public
Sewer: Public Sewer
Energy Features:

Exterior & Lot

Exterior Features:
Patio & Porch: Porch, Deck
Fencing: Fenced
Other Structures:
Lot Features: Level
Road Surface:

Parking & Garage

Total Parking Spaces: 5
Parking Features: 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
Applewild School
1.0 mi
Grades K-09
St. Bernard Elementary School
1.4 mi
Grades PK-08
C-
South Street Early Learning Center
0.8 mi | #697 of 825 | Score: 48.1
Same rank as last year
Limited historical data for year-over-year comparison
569 students Diverse
Diverse Student Body
Grades PK-K
C
McKay Elementary School
1.4 mi | #658 of 825 | Score: 37.9
Improved 73 spots from last year
-20.3 below state avg
736 students Diverse
Rising School
Grades 01-05
C
Reingold Elementary School
1.4 mi | #606 of 825 | Score: 40.4
Improved 117 spots from last year
-17.8 below state avg
619 students Diverse
Rising School Diverse Student Body
Grades 01-05
M

Middle Schools

2 schools
D
Arthur M Longsjo Middle School
0.6 mi | #328 of 352 | Score: 28.6
Improved 12 spots from last year
-29.6 below state avg
577 students Diverse
Grades 06-08
C
Memorial Middle School
0.6 mi | #280 of 352 | Score: 33.8
Dropped 10 spots from last year
-24.4 below state avg
620 students Diverse
Diverse Student Body
Grades 06-08
H

High Schools

6 schools
C+
Sizer School: A North Central Charter Essential School
1.6 mi | #221 of 346 | Score: 50.3
Improved 25 spots from last year
-8 below state avg
270 students Diverse
Strong AP Program Early College Program Rising School College Ready Curriculum
Grades 07-12
Notre Dame Preparatory High School
0.4 mi
Grades 09-12
St. Bernard's Central Catholic High School
1.1 mi
Grades 09-12
C-
Goodrich Academy
1.3 mi | #23 of 25 | Score: 22.0
Improved 363 spots from last year
-36.2 below state avg
101 students Diverse
Rising School
Grades 09-12
C
Fitchburg High School
2.9 mi | #263 of 346 | Score: 46.3
Improved 29 spots from last year
-11.9 below state avg
1,305 students Diverse
15 sports • 1,110 athletes
Early College Program Rising School Career Tech Programs College Ready Curriculum
Grades 09-12
A
Montachusett Regional Vocational Technical School
3.0 mi | #66 of 346 | Score: 65.0
Improved 9 spots from last year
+6.8 above state avg
1,403 students Moderate
High Graduation Rate Career Tech Programs College Ready Curriculum Strong Attendance
Grades 09-12
Learn about these ratings
School data provided by BMN Schools

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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 $570
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

282 Charles St, Fitchburg MA 01420

Fitchburg, MA 01420

Listing Information

Listing Agent Nicholas L. Pelletier
Listing Office Keller Williams Realty North Central
Office Phone 978-840-9000
Agent MLS ID CN200544
Office MLS ID K95580
Listing Data Updated Oct 8, 2026 9:36 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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