Seller's Agent in 2026
Paul Clifford
The Neighborhood Realty Group
(774) 633-1844
1 in this area
51 Total Sales
20 Stephanie Dr Gardner, MA 01440
3
Beds
1.5
Baths
1,536
Sq Ft
19,166
Sq Ft Lot
Highlights
- Colonial Architecture
- Baseboard Heating
- Level Lot
- No HOA
About This Home
As of January 2026PLEASE SUBMIT HIGHEST & BEST OFFER BY TUESDAY at NOON. Opportunity is Knocking! MOVE-IN READY, ADORABLE & AFFORDABLE 3 Bedroom, 1 1/2 Bath Colonial in Gardner! The First floor includes a Formal Dining Room & Large Living Room, both featuring Beautiful Hardwood Floors! The Back Deck off the living room is perfect for barbecuing & relaxing! The Open Concept Kitchen features plenty of cabinet space & room for entertaining! A convenient half bath completes the first floor. Upstairs you'll find the nice sized Primary Bedroom featuring a huge Walk-In Closet! Two additional bedrooms with hardwood floors are located at the other end of the 2nd floor from the primary bedroom! A Full Bath completes the second floor. The nearly half acre of outdoor space is perfect for entertaining family & friends! The Reeds Ferry Shed is ideal for lawn equipment & storage. This Home has a Great Neighborhood feel, yet just 3 minutes to RT. 2 for easy & convenient commuting!
Home Details
Home Type
- Single Family
Est. Annual Taxes
- $5,200
Year Built
- Built in 1998
Lot Details
- 19,012 Sq Ft Lot
- Level Lot
Parking
- 4 Open Parking Spaces
Home Design
- Colonial Architecture
- Concrete Perimeter Foundation
Interior Spaces
- 1,536 Sq Ft Home
- Unfinished Basement
- Basement Fills Entire Space Under The House
Kitchen
- Range
- Microwave
- Dishwasher
Bedrooms and Bathrooms
- 3 Bedrooms
Laundry
- Dryer
- Washer
Utilities
- No Cooling
- Heating System Uses Oil
- Baseboard Heating
- 200+ Amp Service
Community Details
- No Home Owners Association
Listing and Financial Details
- Assessor Parcel Number M:R17 B:11 L:10B,3536548
Ownership History
Date
Name
Owned For
Owner Type
Purchase Details
Listed on
Dec 3, 2025
Closed on
Jan 21, 2026
Sold by
Achouham Abdellah
Bought by
Baha Larry and Baha Hawa
Seller's Agent
Paul Clifford
The Neighborhood Realty Group
Buyer's Agent
Nina Desmond
Lamacchia Realty, Inc.
List Price
$399,999
Sold Price
$420,000
Premium/Discount to List
$20,001
5%
Views
95
Home Financials for this Owner
Home Financials are based on the most recent Mortgage that was taken out on this home.
Avg. Annual Appreciation
31.86%
Original Mortgage
$407,400
Outstanding Balance
$407,400
Interest Rate
6.22%
Mortgage Type
New Conventional
Estimated Equity
$31,603
Purchase Details
Listed on
Oct 16, 2018
Closed on
Dec 12, 2018
Sold by
Guartafierro David T and Guartafierro Susan J
Bought by
Achouham Abdellah
Seller's Agent
Jennifer Banda
Coldwell Banker Realty - Leominster
Buyer's Agent
Paul Clifford
The Neighborhood Realty Group
List Price
$219,888
Sold Price
$219,888
Home Financials for this Owner
Home Financials are based on the most recent Mortgage that was taken out on this home.
Avg. Annual Appreciation
9.51%
Original Mortgage
$212,100
Interest Rate
4.8%
Mortgage Type
New Conventional
Purchase Details
Closed on
Nov 10, 2000
Sold by
Lillison Daniel R and Lilliosn Tracy J
Bought by
Guartafierro David T and Guartafierro Susan J
Home Financials for this Owner
Home Financials are based on the most recent Mortgage that was taken out on this home.
Original Mortgage
$117,000
Interest Rate
7.81%
Mortgage Type
Purchase Money Mortgage
Purchase Details
Closed on
Jul 13, 1998
Sold by
Morning Rt and Drouin
Bought by
Lillison Daniel R and Lillison Tracy
Home Financials for this Owner
Home Financials are based on the most recent Mortgage that was taken out on this home.
Original Mortgage
$113,550
Interest Rate
7.02%
Mortgage Type
Purchase Money Mortgage
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Home Values in the Area
Average Home Value in this Area
Purchase History
| Date | Type | Sale Price | Title Company |
|---|---|---|---|
| Quit Claim Deed | $420,000 | -- | |
| Quit Claim Deed | $219,888 | -- | |
| Deed | $155,000 | -- | |
| Deed | $110,275 | -- |
Source: Public Records
Mortgage History
| Date | Status | Loan Amount | Loan Type |
|---|---|---|---|
| Open | $407,400 | New Conventional | |
| Previous Owner | $212,100 | New Conventional | |
| Previous Owner | $117,400 | No Value Available | |
| Previous Owner | $117,500 | No Value Available | |
| Previous Owner | $117,000 | Purchase Money Mortgage | |
| Previous Owner | $113,550 | Purchase Money Mortgage |
Source: Public Records
Property History
| Date | Event | Price | List to Sale | Price per Sq Ft | Prior Sale |
|---|---|---|---|---|---|
| 01/21/2026 01/21/26 | Sold | $420,000 | +5.0% | $273 / Sq Ft | |
| 12/09/2025 12/09/25 | Pending | -- | -- | -- | |
| 12/03/2025 12/03/25 | For Sale | $399,999 | +81.9% | $260 / Sq Ft | |
| 12/12/2018 12/12/18 | Sold | $219,888 | 0.0% | $143 / Sq Ft | View Prior Sale |
| 10/17/2018 10/17/18 | Pending | -- | -- | -- | |
| 10/16/2018 10/16/18 | For Sale | $219,888 | -- | $143 / Sq Ft |
Source: MLS Property Information Network (MLS PIN)
Tax History
| 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 | $52 | $362,100 | $74,000 | $288,100 |
| 2024 | $5,249 | $350,200 | $67,300 | $282,900 |
| 2023 | $4,958 | $307,400 | $66,300 | $241,100 |
| 2022 | $4,586 | $246,700 | $50,200 | $196,500 |
| 2021 | $4,439 | $221,500 | $43,700 | $177,800 |
| 2020 | $4,224 | $214,000 | $43,700 | $170,300 |
| 2019 | $4,084 | $202,800 | $43,700 | $159,100 |
| 2018 | $3,807 | $187,800 | $43,700 | $144,100 |
| 2017 | $3,842 | $187,600 | $43,700 | $143,900 |
| 2016 | $3,685 | $180,000 | $43,700 | $136,300 |
| 2015 | $3,514 | $175,900 | $43,700 | $132,200 |
| 2014 | $3,263 | $172,900 | $48,400 | $124,500 |
Source: Public Records
Agents Affiliated with this Home
-
Paul Clifford
-
Nina Desmond
Buyer's Agent in 2026
Nina Desmond
Lamacchia Realty, Inc.
(508) 685-0223
1 in this area
39 Total Sales
-
J
Seller's Agent in 2018
Jennifer Banda
Coldwell Banker Realty - Leominster
Map
Source: MLS Property Information Network (MLS PIN)
MLS Number: 73459255
APN: GARD-000017R-000011-000010B
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