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77 Oak St, Gardner MA 01440

Gardner, MA 01440
$500,000
Est. $3,270/month
9
Beds
3
Baths
4,206
Sq Ft
$119
Price/Sq Ft
0.12
Acres
1900
Year Built
6
Parking
13 hours 17 minutes
Time on Market
Active Listed Jul 15, 2026 • MLS# 73550191 Copied! • Updated Jul 15, 2026

About this home

Don't miss this opportunity to own a well-sized turnkey three-family property in a convenient Gardner location. Whether you're looking to expand your investment portfolio or occupy one unit while generating rental income from the others, this property offers excellent potential. Each unit offers stainless steel appliances, dedicated in-unit laundry, 3 bedrooms and 1 bathroom, with units 2 & 3 having an additional bonus bedroom without a closet. The vinyl exterior offers low-maintenance appeal, while the generous layout provides flexibility for both investors and owner-occupants. Situated on a manageable lot with off-street parking & a first-floor walkout deck, the property enjoys easy access to downtown Gardner and major commuter routes. Its convenient location makes it attractive to both tenants and homeowners alike. Schedule your showing today and explore the possibilities this 3-family property has to offer. Free Home Warranty if buyer closes within 30 days from offer acceptance.

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Recently Sold Nearby

Property History

Property Timeline

🏠
Listed for Sale
Jul 15, 2026
$500,000
Original listing
Agent: Michael Yerardi Office: Oakridge Realty, LLC

Tax History

Year Taxes Assessment
2026 $6,498 $471,900

Financial Details

Annual Property Tax
$6,498
Tax Year 2026
Assessed Value
$471,900

Facts & Features

Home Facts

Type Residential Income
Style 3 Family
Year Built 1900
Living Area 4,206 sq ft
Lot Size 0.12 acres
Bedrooms 9
Full Baths 3
Total Rooms 20

Investment Metrics

Units 3
Unit 1 Rent — · N
Unit 2 Rent — · N
Heating None
Cooling None
Flooring Wood, Vinyl, Carpet
Appliances None
Fireplace None
Basement Full, Unfinished
Laundry Electric Dryer Hookup, Washer Hookup
Features None
Construction None
Architecture None
Roof Rubber
Features None
Pool None
Spa None
Fencing None
Patio/Porch Porch, Deck - Wood
Features Paved Drive, Off Street
Total Spaces 6
Electric None
Water Public
Sewer Public Sewer
Gas None
Other For Electric Dryer, Washer Hookup

Financial

Annual Tax $6,498
Assessed Value $471,900
Fee Includes None
Amenities None
Optional Fee Includes None
Seller Disclosures List Agent Is Part Owner. Seller Has Never Lived In The Property. Windows Are Functional But Near End Of Life So They Are Sold As-is. Floor Plan Measurements Are Estimated By Photographer. Buyer To Confirm All Measurements. Some Photos Virtually Staged. Deposits Shall Be Collected By Depositlink.
Possession None
Accepted Financing None
Structure Type []
House Color Light Blue
Sq Ft Source Public Record
Documents None
County Worcester

Property Overview

Property Type
3 Family
Listing Type
For Sale
Year Built
1900
Bedrooms
9
Full Bathrooms
3
Living Area
4,206 sq ft
Total Rooms
20
Stories
3
Levels
3

Room Details

Other Floor

Bathroom1
Bedroom5
Bedroom4
Bedroom3
Dining Room
Kitchen
Bathroom2
Bedroom2
Living Room
Bathroom3
Master Bedroom
Office
Family Room
Master Bathroom

Interior Features

Flooring: Wood, Vinyl, Carpet
Appliances:
Interior Features:
Windows:
Basement: Full, Unfinished
Laundry: Electric Dryer Hookup, Washer Hookup
Security:

Construction & Materials

Year Built: 1900
Structure Type:
Exterior Materials:
Roof: Rubber
Foundation: Stone
Stories: 3

Heating, Cooling & Utilities

Heating:
Cooling:
Hot Water: Oil
Water Source: Public
Sewer: Public Sewer
Energy Features:

Exterior & Lot

Exterior Features:
Patio & Porch: Porch, Deck - Wood
Fencing:
Other Structures:
Lot Features:
Road Surface:

Parking & Garage

Total Parking Spaces: 6
Parking Features: Paved Drive, Off Street

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 $542
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

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

77 Oak St, Gardner MA 01440

Gardner, MA 01440

Listing Information

Listing Agent Michael Yerardi
Listing Office Oakridge Realty, LLC
Office Phone 978-239-3017
Agent MLS ID CN216797
Office MLS ID AN7993
Listing Data Updated Jul 15, 2026 5:28 PM 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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