$512,500
SOLD JUN 2, 2026

149 Cross St Gardner, MA 01440

6 Beds
3 Baths
2,648 Sq Ft
7,548 Sq Ft Lot

Sale Details

Date Sold: June 2, 2026

$194 Per Sq Ft

7% Below List Price

6 Days on Market

Highlights

  • Deck
  • Corner Lot
  • Ceiling Fan
  • Wood Flooring
  • Living Room
  • 2-minute walk to Jackson Playground and Skate Park

About This Home

As of June 2026

Well-maintained three-family property offering a fantastic opportunity for both investors and owner-occupants alike. The home has been cared for over the years, showcasing pride of ownership throughout. Each unit offers comfortable living space with practical layouts that appeal to a wide range of tenants. Plenty of off-street parking provides added convenience, a highly sought-after feature that enhances rental appeal. With solid condition and consistent upkeep, this property is ready for its next owner to step in and benefit from its income potential. Conveniently located near local amenities, shopping, and major routes, making it an easy choice for tenants and homeowners alike.

Last Agent to Sell the Property

Nancy Rogers

LAER Realty Partners Listed on: 04/14/2026

LAER Realty Partners

Last Buyer's Agent

Lana Kopsala

Coldwell Banker Realty - Leominster

Coldwell Banker Realty - Leominster

Property Details

Home Type

  • Multi-Family

Est. Annual Taxes

  • $5,882

Year Built

  • Built in 1900

Lot Details

  • 7,548 Sq Ft Lot
  • Corner Lot

Parking

  • 2 Car Garage
  • Driveway
  • On-Street Parking
  • 10 Open Parking Spaces
  • Off-Street Parking

Home Design

  • Triplex
  • Brick Foundation
  • Stone Foundation
  • Frame Construction
  • Shingle Roof

Interior Spaces

  • 2,648 Sq Ft Home
  • Property has 1 Level
  • Ceiling Fan
  • Living Room
  • Basement Fills Entire Space Under The House

Kitchen

  • Range
  • Microwave

Flooring

  • Wood
  • Carpet
  • Vinyl

Bedrooms and Bathrooms

  • 6 Bedrooms
  • 3 Full Bathrooms

Additional Features

  • Deck
  • 100 Amp Service

Community Details

  • 3 Units

Listing and Financial Details

  • Assessor Parcel Number 3537170

Property Details

Home Type

Multi-Family

Est. Annual Taxes

$5,882

Year Built

Built in 1900

Lot Details

7,548 Sq Ft Lot

Parking

2

Listing Details

  • Property Type: Residential Income
  • Property Sub Type: 3 Family - 3 Units Up/Down
  • Year Built: 1900
  • Levels: 3
  • Year Built Details: Actual
  • APOD AVAILABLE: No
  • MLSPIN_BEACHFRONT_FLAG: No
  • Special Features: None
  • Stories: 3

Interior Features

  • Flooring: Wood, Vinyl, Carpet
  • Interior Amenities: Ceiling Fan(s), Living Room, Kitchen, Laundry Room
  • Fireplace YN: No
  • Appliances: Range, Microwave, Refrigerator
  • Total Bedrooms: 6
  • Basement YN: Yes
  • Full Bathrooms: 3
  • Total Bathrooms: 3
  • Basement: Full
  • Above Grade Finished Sq Ft: 2648
  • Living Area: 2648
  • Spa YN: No
  • Stories Total: 3
  • MAIN LO: AN1199
  • MAIN SO: AN6181

Exterior Features

  • Construction Materials: Frame
  • Foundation Details: Stone, Brick/Mortar
  • Home Warranty YN: No
  • Patio And Porch Features: Deck - Wood
  • Road Frontage Type: Public
  • Roof: Shingle
  • Waterfront YN: No
  • Waterview Flag: No

Garage/Parking

  • Garage Spaces: 2
  • Covered Parking Spaces: 2
  • Garage YN: Yes
  • Open Parking Spaces: 10
  • Open Parking YN: Yes
  • Parking Features: Off Street, On Street, Driveway
  • Total Parking Spaces: 12

Utilities

  • Sewer: Public Sewer
  • Electric: 100 Amp Service
  • Water Source: Public

Condo/Co-op/Association

  • Senior Community YN: No

Lot Info

  • Parcel Number: 3537170
  • Zoning: R
  • Farm Land Area Units: Square Feet
  • Lot Features: Corner Lot
  • Lot Size Acres: 0.17
  • Lot Size Sq Ft: 7548
  • Lot Size Units: Acres

Tax Info

  • Tax Year: 2025
  • Tax Annual Amount: 5882

Multi Family

  • Number Of Units Total: 3
  • LEVELS 1: 1
  • Basement Included Sq Ft: No
  • LEVELS 3: 1
  • LEASE 3: N
  • LEASE 2: N
  • LEASE 1: N
  • FLRS 3: 3

Ownership History

We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.

Date Name Owned For Owner Type

Purchase Details

Listed on
Apr 14, 2026
Closed on
May 18, 2026
Sold by
Bought by
Seller's Agent
Nancy Rogers
LAER Realty Partners
Buyer's Agent
Lana Kopsala
Coldwell Banker Realty - Leominster
List Price
$549,900
Sold Price
$512,500
Premium/Discount to List
-$37,400
-6.8%
Views
21

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Avg. Annual Appreciation
101.17%
Original Mortgage
$384,375
Outstanding Balance
$384,014
Interest Rate
6.3%
Mortgage Type
New Conventional
Estimated Equity
$150,436

Purchase Details

Listed on
Aug 14, 2024
Closed on
Sep 30, 2024
Sold by
Bought by
Seller's Agent
Edwin Ahearn
Lamacchia Realty, Inc.
Buyer's Agent
Nancy Rogers
LAER Realty Partners
List Price
$484,900
Sold Price
$510,000
Premium/Discount to List
$25,100
5.18%
Views
8

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Avg. Annual Appreciation
0.29%
Original Mortgage
$484,500
Interest Rate
6.49%
Mortgage Type
Purchase Money Mortgage

Purchase Details

Listed on
Aug 6, 2020
Closed on
Sep 7, 2020
Sold by
Bought by
Seller's Agent
Brenda Cormier
RE/MAX Vision
Buyer's Agent
Thomas Ruble
Keller Williams Realty North Central
List Price
$264,900
Sold Price
$239,900
Premium/Discount to List
-$25,000
-9.44%

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Avg. Annual Appreciation
20.86%
Original Mortgage
$179,900
Interest Rate
2.9%
Mortgage Type
New Conventional

Purchase Details

Closed on
Sep 1, 1998
Sold by
Bought by

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Original Mortgage
$98,752
Interest Rate
6.9%
Mortgage Type
Purchase Money Mortgage
Source: Public Records

Range of Values:

--
Value Increase
--
Percent Increase
--
Adjusted for Inflation
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List Price
Sold Price
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Home Values in the Area

Source: Public Records

Average Home Value in this Area





Source: Public Records

Purchase History

We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.

Date Type Sale Price Title Company
Quit Claim Deed $512,500 --
Quit Claim Deed $510,000 None Available
Quit Claim Deed $239,900 None Available
Deed $99,000 --
Deed $99,000 --
Source: Public Records

Mortgage History

We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.

Date Status Loan Amount Loan Type
Open $384,375 New Conventional
Previous Owner $484,500 Purchase Money Mortgage
Previous Owner $179,900 New Conventional
Previous Owner $105,000 No Value Available
Previous Owner $27,750 No Value Available
Previous Owner $98,752 Purchase Money Mortgage
Source: Public Records

Property History

We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.

Date Event Price List to Sale Price per Sq Ft Prior Sale
06/02/2026 06/02/26 Sold $512,500 -6.8% $194 / Sq Ft
04/20/2026 04/20/26 Pending -- -- --
04/14/2026 04/14/26 For Sale $549,900 +7.8% $208 / Sq Ft
09/30/2024 09/30/24 Sold $510,000 +5.2% $193 / Sq Ft View Prior Sale
08/19/2024 08/19/24 Pending -- -- --
08/14/2024 08/14/24 For Sale $484,900 +102.1% $183 / Sq Ft
10/08/2020 10/08/20 Sold $239,900 0.0% $78 / Sq Ft View Prior Sale
09/12/2020 09/12/20 Pending -- -- --
08/31/2020 08/31/20 Price Changed $239,900 -9.4% $78 / Sq Ft
08/06/2020 08/06/20 For Sale $264,900 -- $86 / Sq Ft
Source: MLS Property Information Network (MLS PIN)

Tax History

We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.

Year Tax Paid Tax Assessment Tax Assessment Total Assessment is a certain percentage of the fair market value that is determined by local assessors to be the total taxable value of land and additions on the property. Land Improvement
2025 $59 $409,600 $67,100 $342,500
2024 $4,719 $314,800 $61,000 $253,800
2023 $4,523 $280,400 $60,100 $220,300
2022 $3,978 $214,000 $45,500 $168,500
2021 $3,687 $184,000 $39,600 $144,400
2020 $3,303 $167,300 $39,600 $127,700
2019 $3,182 $158,000 $39,600 $118,400
2018 $2,939 $145,000 $39,600 $105,400
2017 $2,894 $141,300 $39,600 $101,700
2016 $2,892 $141,300 $39,600 $101,700
2015 $3,413 $170,800 $39,600 $131,200
2014 $3,236 $171,500 $44,000 $127,500
Source: Public Records

Agents Affiliated with this Home

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Map

Source: MLS Property Information Network (MLS PIN)

MLS Number: 73500982

MLS Property Information Network (MLS PIN)

APN: GARD-000022R-000002-000011

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