FeaturesFlooring - Laminate
LevelSecond
104 Sawyer St, Gardner MA 01440
Gardner, MA 01440
$480,000
Est. $3,123/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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Open House Schedule
09
Oct
Friday, October 9
4:30 PM - 6:00 PM EDT
About this home
Nestled on a private 1.38-acre lot, this 3-bedroom, 2-bath Cape offers the perfect blend of comfort, updates, and outdoor enjoyment. The inviting first floor features a spacious primary bedroom, full bath, and an open-concept layout with a remodeled kitchen, dining area, and living room centered around a cozy fireplace. Step outside to the expansive composite deck (2020) overlooking the heated above-ground pool, creating the ideal space for entertaining and relaxing.The second floor offers two additional bedrooms, a full bath, a convenient office nook, and an abundance of storage and closet space. The lower level provides additional flexible living space with a heated bonus room, playroom area, laundry, and ample storage. Recent updates include a new septic system (2023), roof (2017) and replacement windows (2020). Solar panels installed in 2017 help offset energy costs. Enjoy peaceful surroundings, versatile living space, and a backyard retreat, all within convenient access to local amenities and commuter routes. Move-in ready and waiting for its next owner!
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Recently Sold Nearby
Property History
Property Timeline
Listed for Sale
Oct 7, 2026
$480,000
Original listing
Agent: Lana Kopsala
Office: Coldwell Banker Realty - Leominster
| Date | Event | Price | Change | $/sqft | Details |
|---|---|---|---|---|---|
| 10/07/2026 | 🏠 Listed for Sale | $480,000 | - | - | Original listing |
Tax History
| Year | Taxes | Assessment |
|---|---|---|
| 2026 | $5,951 | $432,200 |
Financial Details
Annual Property Tax
$5,951
Tax Year 2026
Assessed Value
$432,200
Facts & Features
Home Facts
Type
Residential
Style
Single Family Residence
Year Built
1992
Living Area
1,697 sq ft
Lot Size
1.38 acres
Bedrooms
3
Full Baths
2
Total Rooms
6
Interior
Heating
Baseboard, Oil, Electric
Cooling
None
Flooring
Laminate
Appliances
Water Heater, Range, Dishwasher, Refrigerator, Washer, Dryer
Fireplace
Living Room
Fireplaces
1
Basement
Partially Finished, Interior Entry, Bulkhead, Concrete
Laundry
In Basement
Features
Office, Bonus Room, Play Room
Exterior
Construction
Frame
Architecture
Cape
Roof
Shingle
Features
Deck - Composite, Pool - Above Ground Heated, Rain Gutters, Storage
Pool
Heated
Spa
None
Fencing
None
Patio/Porch
Deck - Composite
Parking
Features
Paved Drive, Off Street, Paved
Total Spaces
6
Utilities
Electric
Circuit Breakers
Water
Private
Sewer
Private Sewer
Gas
None
Other
None
Financial
Annual Tax
$5,951
Assessed Value
$432,200
HOA & Community
Fee Includes
None
Amenities
None
Optional Fee Includes
None
Down Payment Resource
Eligible
MA Disclosures
Lead Paint
Unknown
Seller Disclosures
Buyer To Assume Solar Panel Lease (sunrun 2017) $94.44 P/month; Roof (2017); Septic New (2023); Replace Back Deck To Composite (2020); Heated Above Ground Pool; Windows (2020)
Additional Details
Possession
None
Accepted Financing
None
Structure Type
[]
Sq Ft Source
Public Record
Sq Ft Disclosures
Partially finished lower level (need measurement ... heated)
Documents
None
County
Worcester
Total market time (incl. prior listings)
1 days
Property Overview
Property Type
Single Family Residence
Listing Type
For Sale
Year Built
1992
Bedrooms
3
Full Bathrooms
2
Living Area
1,697 sq ft
Total Rooms
6
Floor Layout
Interactive room guide
Floor Layout
Finished Area
1,697 sq ft above grade
FeaturesFlooring - Laminate, Attic Access
LevelSecond
FeaturesFlooring - Laminate, Closet - Double
LevelSecond
FeaturesBathroom - Full, Bathroom - With Tub & Shower, Closet - Linen, Flooring - Stone/Ceramic Tile
LevelSecond
FeaturesFlooring - Wood, Countertops - Stone/Granite/Solid, Kitchen Island, Remodeled, Stainless Steel Appliances
LevelFirst
FeaturesBathroom - Full, Bathroom - With Shower Stall, Flooring - Stone/Ceramic Tile, Jacuzzi / Whirlpool Soaking Tub
LevelFirst
FeaturesFlooring - Wood, Deck - Exterior, Exterior Access, Open Floorplan, Slider
LevelFirst
FeaturesWood / Coal / Pellet Stove, Flooring - Wood
LevelFirst
FeaturesBathroom - Full, Walk-In Closet(s), Flooring - Wood
LevelFirst
FeaturesYes
Display Options
Outdoor Areas
PoolHeated
Patio & porchDeck - Composite
Room Markers
OOffice (1)
KKitchen (1)
BRBedroom (3)
BABathroom (3)
DDining (1)
LLiving (1)
Conceptual diagram based on MLS room data. It is not to scale and is not a substitute for architectural plans or on-site measurements.
Interior Features
Flooring:
Laminate
Appliances:
Water Heater, Range, Dishwasher, Refrigerator, Washer, Dryer
Interior Features:
Office, Bonus Room, Play Room
Windows:
Basement:
Partially Finished, Interior Entry, Bulkhead, Concrete
Laundry:
In Basement
Security:
Construction & Materials
Style:
Cape
Year Built:
1992
Structure Type:
Exterior Materials:
Frame
Roof:
Shingle
Foundation:
Concrete Perimeter
Heating, Cooling & Utilities
Heating:
Baseboard, Oil, Electric
Cooling:
None
Hot Water:
Water Source:
Private
Sewer:
Private Sewer
Energy Features:
Exterior & Lot
Exterior Features:
Deck - Composite, Pool - Above Ground Heated, Rain Gutters, Storage
Patio & Porch:
Deck - Composite
Fencing:
Other Structures:
Lot Features:
Wooded
Road Surface:
Paved
Parking & Garage
Total Parking Spaces:
6
Parking Features:
Paved Drive, Off Street, Paved
Special Features
Fireplaces:
1
Fireplace Type:
Living Room
Pool:
Private Pool
Pool Features:
Heated
Community Amenities:
Nearby Schools
School information not available for this location.
Monthly Payment Calculator
Monthly Payment
$0
Principal, interest, taxes & insurance
Loan Amount
$0
After down payment
Total Interest
$0
Over life of loan
Total Cost
$0
Including down payment
%
Down: $0
%
Monthly Payment Breakdown
Principal & Interest
$0
Property Tax
$496
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
-0.5% Rate
$0/mo
Save $0/mo
Current Rate
$0/mo
+0.5% Rate
$0/mo
Cost $0/mo
Payment Over Time
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
104 Sawyer St, Gardner MA 01440
Gardner, MA 01440
Listing Information
Listing Agent
Lana Kopsala
Listing Office
Coldwell Banker Realty - Leominster
Office Phone
978-840-4014
Agent MLS ID
H9500342
Office MLS ID
AN6215
Listing Data Updated
Oct 8, 2026 3:30 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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