FeaturesCeiling Fan(s), Closet, Flooring - Wall to Wall Carpet
LevelSecond
76 Lake St # 76, Gardner MA 01440
Gardner, MA 01440
$270,000
Est. $2,083/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.
Adjust the payment calculatorTrack this home for price, status, and open-house alerts.
About this home
Looking for AFFORDABILITY, COMFORT, and CONVENIENCE? Welcome to 76 Lake Street, a lovely 2-bedroom, 1.5-bath condo conveniently located next to Crystal Lake. It’s within walking distance of town and near the hospital, golf course, and library. Plus, Route 2 is just minutes away—ideal for commuters.You’ll love the open-concept first floor, which features plenty of windows to let in natural light and is perfect for entertaining. Upstairs, you’ll find two generously sized bedrooms with ample closet space and a full bath. The basement is a blank slate, ready for your imagination. Finish it to create additional living space, such as a game room, TV room, man cave, or craft room—or leave it as is for storage. The back deck extends your living space during the summer months, and the small yard offers a place for the kids to play. Crystal Lake is just steps from your front door and offers opportunities for fishing, kayaking, walking, and jogging. Who needs a gym membership when you can enjoy the lake right outside? With low HOA fees of just $247 per month, this condo helps keep your budget in check. Don’t miss out—this condo is priced to sell!
View in the App
Save this property, schedule tours instantly, and get alerts when the price drops
Scan with phone
Public Records & Permits
Log in to view assessor & tax records, ownership history, and recent building permits for this property.
BMN Estimate
Get the number an algorithm can't give you
A free agent CMA factors in condition, upgrades, and the street — the things comps alone can't see.
Recently Sold Nearby
Price & Status History
Property Timeline
Listed for Sale
Oct 20, 2026
$270,000
Original listing
Office: Real Broker MA, LLC
| Date | Event | Price | Change | $/sqft | Details |
|---|---|---|---|---|---|
| 10/20/2026 | 🏠 Listed for Sale | $270,000 | - | - | Original listing |
Tax History
| Year | Taxes | Assessment |
|---|---|---|
| 2026 | $3,248 | $235,900 |
Financial Details
Annual Property Tax
$3,248
Tax Year 2026
HOA Fee
$247
Monthly
Assessed Value
$235,900
Facts & Features
Home Facts
Type
Residential
Style
Condominium
Year Built
2009
Living Area
1,008 sq ft
Stories
2
Bedrooms
2
Full Baths
1
Half Baths
1
Total Rooms
5
Interior
Heating
Baseboard, Natural Gas, Wall Furnace
Cooling
None
Flooring
Vinyl, Carpet, Laminate
Appliances
Range, Dishwasher, Microwave, Refrigerator
Fireplace
None
Basement
Y
Laundry
In Basement, Electric Dryer Hookup
Features
None
Exterior
Construction
Frame
Architecture
None
Roof
Asphalt/composition Shingles
Features
Deck - Wood
Pool
None
Spa
None
Fencing
None
Patio/Porch
Deck - Wood
Parking
Features
Assigned
Total Spaces
2
Utilities
Electric
100 Amp Service
Water
Public
Sewer
Public Sewer
Gas
None
Other
For Electric Range, For Electric Dryer
Financial
Annual Tax
$3,248
Assessed Value
$235,900
HOA & Community
HOA Fee
$247 Monthly
Fee Includes
Insurance, Snow Removal, Trash
Amenities
None
Optional Fee Includes
None
Pets
Yes w/ Restrictions
MA Disclosures
Lead Paint
Unknown
Seller Disclosures
None
Additional Details
Possession
None
Accepted Financing
Contract
Structure Type
["Townhouse"]
Unit/Building
76
Sq Ft Source
Public Record
Sq Ft Disclosures
unfinished space in basement that could be finished to create additional living space
Documents
Rules & Regs (1)
County
Worcester
Property Overview
Property Type
Condominium
Listing Type
For Sale
Year Built
2009
Bedrooms
2
Full Bathrooms
1
Half Bathrooms
1
Living Area
1,008 sq ft
Total Rooms
5
Stories
2
Entry Level
1
Floor Layout
Interactive room guide
Floor Layout
Finished Area
1,008 sq ft above grade
0 sq ft below grade
FeaturesBathroom - Full
LevelSecond
FeaturesCeiling Fan(s), Walk-In Closet(s), Flooring - Wall to Wall Carpet
LevelSecond
FeaturesBathroom - Half, Closet, Pantry, Deck - Exterior, Slider
LevelFirst
FeaturesBathroom - Half
LevelFirst
FeaturesLighting - Pendant
LevelFirst
FeaturesCeiling Fan(s), Closet, Flooring - Laminate, Window(s) - Picture
LevelFirst
Display Options
Outdoor Areas
Patio & porchDeck - Wood
Room Markers
KKitchen (1)
BRBedroom (2)
BABathroom (2)
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:
Vinyl, Carpet, Laminate
Appliances:
Range, Dishwasher, Microwave, Refrigerator
Interior Features:
Windows:
Insulated Windows
Basement:
Y
Laundry:
In Basement, Electric Dryer Hookup
Security:
Construction & Materials
Year Built:
2009
Structure Type:
Townhouse
Exterior Materials:
Frame
Roof:
Asphalt/Composition Shingles
Foundation:
Stories:
2
Utilities & Systems
Heating:
Baseboard, Natural Gas, Wall Furnace
Heating Zones:
2
Cooling:
None
Hot Water:
Water Source:
Public
Sewer:
Public Sewer
Energy Features:
Exterior & Lot
Exterior Features:
Deck - Wood
Patio & Porch:
Deck - Wood
Fencing:
Other Structures:
Lot Features:
Road Surface:
Parking & Garage
Total Parking Spaces:
2
Parking Features:
Assigned
Special Features
Waterfront:
Yes
Waterfront Type:
Waterfront, Lake
Community Amenities:
Public Transportation, Shopping, Pool, Park, Walk/Jog Trails, Golf, Medical Facility, Laundromat, Conservation Area, Highway Access, House of Worship, Private School, Public School
Nearby Schools
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
Elementary Schools
2 schools
Wachusett Hills Christian School
2.6 mi
Grades K-08
C-
Gardner Elementary School
1.1 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
Middle Schools
1 school
D
Gardner Middle School
1.0 mi
|
#335 of 352
|
Score: 27.0
Dropped 4 spots from last year
-31.2 below state avg
528 students
Diverse
Grades 05-07
High Schools
2 schools
C+
Gardner High School
1.0 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
0.6 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
Learn about these ratings
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
$271
Homeowners Insurance
$200
HOA Fee
$247/mo
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
Loading map...
Neighborhood
76 Lake St # 76, Gardner MA 01440
Gardner, MA 01440
Listing Information
Listing Agent
Ruth Truesdell
Listing Office
Real Broker MA, LLC
Office Phone
978-652-3092
Agent MLS ID
CN229010
Office MLS ID
AN8876
Listing Data Updated
Oct 20, 2026 4:56 PM EDT
Listing information is deemed reliable but not guaranteed. Data provided by MLS Property Information Network, Inc. All information should be independently verified.
Contact Us
Ask about this property — free, no obligation.
Similar Homes for Sale
Comparable Properties
Customize Comparable Search
Finding comparable properties...
Loading market insights for Gardner.