
22 Bluff Ave Fitchburg — Photo 1 of 42
Recent Drop: $40,999
$439,000
Investment Analysis — 22 Bluff Ave
Fitchburg, MA 01420 — Fitchburg
Based on HUD Small Area Fair Market Rent for Fitchburg-Leominster, MA HUD Metro FMR Area, a 3-bedroom in 01420 carries an estimated $2,130/mo in gross rent — about a 3.29% cap rate and $14,454/yr in estimated NOI at the $439,000 list price. Adjust every assumption in the calculator below.
Beds
3
Baths
1.5
SqFt
2,568
Style
Single Family
Built
1940
Space, character, flexibility—and room for the things you love to do! This beautifully maintained 3-bedroom Craftsman-style home offers 2,568 sq. ft. of living space, a detached 2-car garage with electrical service, bright sunroom/home office, exceptional storage, established gardening areas, and the Fitchburg commuter rail approximately a 10-minute walk away. Inside, hardwood floors, high ceilings and original architectural details create warmth and character. The living room features a brick fireplace and original French doors, while the spacious kitchen offers granite countertops, stainless steel appliances and a convenient adjacent laundry area. The dining room is made for gathering, with an inviting built-in bar and beautiful built-in cabinetry creating a distinctive entertaining area. Upstairs are 3 generously sized bedrooms, each with at least 2 closets, a full bath, and access to additional spacious storage areas. The basement provides even more room for hobbies, projects and storage, with a sink, workshop space and unusual cold room—ideal for wine or beverage cellaring, garden produce, home-canned goods, overflow food storage or overwintering bulbs and plants. Outside, established growing areas have been developed for fruits, vegetables, herbs and flowers, complemented by attractive landscaping and outdoor lighting. The detached 2-car garage is a substantial structure with electrical service, offering parking, storage, workshop or hobby possibilities and potential future ADU use under Massachusetts' statewide Accessory Dwelling Unit law, subject to buyer due diligence, permitting and applicable requirements. Originally constructed in the 1880s as the stable for the H.M. Francis-designed E.F. Belding mansion, the home was extensively remodeled into a residence in 1926. Original French doors, hardware and lighting remain, and the Fitchburg Historical Society holds the original 1926 blueprints. Major updates include mini-split A/C and heat pump (2025), water heater (2025), boiler (2021) and roof (2016). Located on a quiet road close to downtown, the Rail Trail, Fitchburg State University, Route 2 and area amenities. Devens is approximately a 20-minute drive and can also be reached via commuter rail plus shuttle. A distinctive home with space to work, garden, entertain, create and pursue your hobbies.
ADU Potential
Massachusetts allows one accessory dwelling unit by right in single-family zoning districts statewide (M.G.L. c. 40A §3; 760 CMR 71.00, effective Feb 2025). Estimated maximum ADU size for this property: 900 sq ft (the lesser of 900 sq ft or half the 2,568 sq ft principal dwelling). Lot size: 8,677 sq ft.
Based on listing data, which indicates the property type — not the zoning district. Local dimensional, septic (Title 5), and historic-district requirements still apply. Not legal advice — verify with the municipality.
Estimates — not financial advice
These figures are illustrative estimates for informational purposes only — not an appraisal, valuation, or guarantee of rent, income, or returns, and not financial, tax, or investment advice. Rent is either the figure reported on the MLS listing — in-place rent that may differ from market and is not verified against the actual leases — or, where the listing reports none, an estimate from HUD Small Area Fair Market Rents, a government benchmark that may differ from actual market rent. Each figure is labelled with its source. Cap rate, NOI, and returns depend on the assumptions shown, which you can change. MLS and other third-party data may be inaccurate or out of date. Verify all figures independently and consult your own financial, tax, and legal advisors before making any investment decision.
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Range • Microwave • Refrigerator • Washer • Dryer
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Living Room
Lvl FirstDining Room
Lvl FirstKitchen
Lvl FirstPrimary Bedroom
Lvl SecondBedroom 2
Lvl SecondBedroom 3
Lvl SecondProperty History
$439,000
Was $464,500
Sep 3, 2026
MLS® 73556217
$464,500
Was $479,999
Aug 25, 2026
MLS® 73556217
$479,999
Aug 12, 2026
MLS® 73556217
Listing Agent: Angela Godin
Listing Office: Tammy Morrison Real Estate
MLS® Number: 73556217