Active
74 Days on market
96 Washington St Gardner — Photo 1 of 42

96 Washington St Gardner — Photo 1 of 42

Recent Drop: $20,000

$450,000
$430,000

$430,000

Investment Analysis — 96 Washington St

Gardner, MA 01440

Based on HUD Small Area Fair Market Rent for Fitchburg-Leominster, MA HUD Metro FMR Area, a 3-bedroom in 01440 carries an estimated $2,000/mo in gross rent — about a 3.23% cap rate and $13,875/yr in estimated NOI at the $430,000 list price. Adjust every assumption in the calculator below.

View Standard Listing

Beds

3

Baths

1.5

SqFt

1,661

Style

Single Family

Built

1920

Make your home in this welcoming and charming 3-bedroom, 1.5-bathroom home in historic Gardner, Mass, "The Chair City of the World." The home echoes its city's historical roots with architectural details of yesteryear, combined with contemporary conveniences. The home sits atop a tranquil, elevated corner, with a fully fenced-in, level backyard with a new pergola, patio, and fire pit area for relaxing and entertaining. A covered porch, additional patio, carport, storage shed, two driveways, professional landscaping/stonework, and a garden area add further exterior interest to the home. Inside, the first floor boasts a wrap-around sitting room, formal dining room, spacious kitchen, mudroom, living room, and open staircase. The second floor provides private quarters with a full bathroom and three spacious bedrooms with generous closets. Seller has made many improvements—see attached Upgrades & Improvements List on MLS. Showings deferred until Open House: Sun, 7/5, 11:00am-12:30pm.

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: 831 sq ft (the lesser of 900 sq ft or half the 1,661 sq ft principal dwelling). Lot size: 7,128 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.

Property Details

Financials

Original Price$450,000
Annual Taxes$4,365

Parking

Garage0
Off-Street6

Interior Specifications

Total Rooms7
FireplacesNone
FlooringWood, Vinyl, Hardwood, Flooring - Hardwood, Flooring - Vinyl
BasementFull, Interior Entry, Bulkhead, Concrete, Unfinished

Climate & Utilities

HeatingSteam, Oil
CoolingWindow Unit(s), None
WaterPublic
SewerPublic Sewer

Building & Exterior

ConstructionFrame
RoofShingle
FoundationStone, Brick/Mortar
ZoningR1

Property & Lot

Acres0.16
SqFt Lot7,128
Lot FeaturesCorner Lot

Amenities & Appliances

Water Heater • Range • Dishwasher • Microwave • Refrigerator • ENERGY STAR Qualified Dryer • ENERGY STAR Qualified Washer • Range Hood

Neighborhood

Sidewalks

Geography

Floorplan Breakdown

Structural Layout

Second
Primary BedroomBedroom 2Bedroom 3Bathroom 2
Main,First
Living RoomDining RoomKitchenBathroom 1
Living Room
Lvl Main,First

Flooring - Hardwood, Beadboard, Decorative Molding

Dining Room
Lvl Main,First

Ceiling Fan(s), Closet, Flooring - Hardwood, Chair Rail, Decorative Molding

Kitchen
Lvl Main,First

Flooring - Vinyl, Country Kitchen, Lighting - Overhead

Primary Bedroom
Lvl Second

Closet, Flooring - Vinyl, Lighting - Sconce

Bedroom 2
Lvl Second
Bedroom 3
Lvl Second

Closet, Flooring - Vinyl, Lighting - Overhead, Decorative Molding

Bathroom 1
Lvl Main,First

Bathroom - Half, Flooring - Vinyl, Lighting - Overhead

Bathroom 2
Lvl Second

Bathroom - Full, Bathroom - Tiled With Tub & Shower, Decorative Molding

Property History

Price Drop
$430,000

Was $450,000

Aug 3, 2026

MLS® 73543987

Listed
$450,000

Jul 1, 2026

MLS® 73543987

Sold
$364,000

Nov 14, 2024

MLS® 73294753

Listed
$320,000

Sep 25, 2024

MLS® 73294753

Listing Provided By

Listing Agent: Erica Swallow

Listing Office: Swallow Real Estate, Inc.

MLS® Number: 73543987