
96 Washington St Gardner — Photo 1 of 42
Recent Drop: $20,000
$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.
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
Parking
Interior Specifications
Climate & Utilities
Building & Exterior
Property & 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
Living Room
Lvl Main,FirstFlooring - Hardwood, Beadboard, Decorative Molding
Dining Room
Lvl Main,FirstCeiling Fan(s), Closet, Flooring - Hardwood, Chair Rail, Decorative Molding
Kitchen
Lvl Main,FirstFlooring - Vinyl, Country Kitchen, Lighting - Overhead
Primary Bedroom
Lvl SecondCloset, Flooring - Vinyl, Lighting - Sconce
Bedroom 2
Lvl SecondBedroom 3
Lvl SecondCloset, Flooring - Vinyl, Lighting - Overhead, Decorative Molding
Bathroom 1
Lvl Main,FirstBathroom - Half, Flooring - Vinyl, Lighting - Overhead
Bathroom 2
Lvl SecondBathroom - Full, Bathroom - Tiled With Tub & Shower, Decorative Molding
Property History
$430,000
Was $450,000
Aug 3, 2026
MLS® 73543987
$450,000
Jul 1, 2026
MLS® 73543987
$364,000
Nov 14, 2024
MLS® 73294753
$320,000
Sep 25, 2024
MLS® 73294753
Listing Agent: Erica Swallow
Listing Office: Swallow Real Estate, Inc.
MLS® Number: 73543987