$579,900
PENDING

99 Washington St Gardner, MA 01440

Estimated payment $3,378/month

Total Views 299
5 Beds
3 Baths
2,412 Sq Ft
$240 Price per Sq Ft

Highlights

  • Marina
  • Community Stables
  • Property is near public transit and schools
  • Golf Course Community
  • Medical Services
  • Solid Surface Countertops

About This Home

Welcome to this fantastic opportunity for investors or owner-occupants in Gardner! This beautifully updated 2-unit home was completely renovated in 2024 and features two spacious units with modern finishes throughout. Each unit offers stainless steel appliances, granite countertops, laminate flooring, stylish tile showers, recessed lighting, in-unit laundry, and separate utilities for added convenience. The 3rd floor provides additional living space with a potential in-law setup, complete with a kitchenette, large living area, and full bathroom, and is connected to the 2nd-floor unit—offering flexibility for extended family or additional living space. A two-car garage provides ample room for parking, storage, or potential additional rental income. Whether you're looking to expand your investment portfolio or live in one unit while renting the other, this property offers incredible versatility and value. Group Showing: Wednesday, March 11th at 5:15pm.

Listing Agent

Joseph Paoletti

Keller Williams Realty North Central Listed on: 03/09/2026

Keller Williams Realty North Central

Property Details

Home Type

  • Multi-Family

Est. Annual Taxes

  • $3,349

Year Built

  • Built in 1910

Lot Details

  • 5,800 Sq Ft Lot
  • Sloped Lot

Parking

  • 2 Car Garage
  • Shared Driveway
  • 5 Open Parking Spaces
  • Off-Street Parking
  • Assigned Parking

Home Design

  • Duplex
  • Studio
  • Block Foundation
  • Stone Foundation
  • Frame Construction
  • Shingle Roof

Interior Spaces

  • 2,412 Sq Ft Home
  • Insulated Windows
  • Insulated Doors
  • Living Room
  • Laminate Flooring
  • Washer and Electric Dryer Hookup

Kitchen

  • Range
  • Solid Surface Countertops

Bedrooms and Bathrooms

  • 5 Bedrooms
  • 3 Full Bathrooms
  • Separate Shower

Partially Finished Basement

  • Walk-Out Basement
  • Basement Fills Entire Space Under The House
  • Block Basement Construction

Schools

  • Gardner Public Schools Elementary And Middle School
  • Gardner High School

Utilities

  • No Cooling
  • Heating System Uses Natural Gas
  • Individual Controls for Heating
  • Baseboard Heating
  • Separate Meters
  • 100 Amp Service

Additional Features

  • Porch
  • Property is near public transit and schools

Listing and Financial Details

  • Rent includes unit 1(water), unit 2(water)
  • Assessor Parcel Number M:R22 B:11 L:28,3536731

Community Details

Overview

  • 2 Units
  • Near Conservation Area
  • Property has 1 Level

Amenities

  • Medical Services
  • Shops
  • Coin Laundry

Recreation

  • Marina
  • Golf Course Community
  • Tennis Courts
  • Community Pool
  • Park
  • Community Stables
  • Jogging Path
  • Bike Trail

Building Details

  • Electric Expense $300
  • Insurance Expense $2,000
  • Water Sewer Expense $1,200
  • Operating Expense $2,400
  • Net Operating Income $61,200

Property Details

Home Type

Multi-Family

Est. Annual Taxes

$3,349

Year Built

Built in 1910

Lot Details

5,800 Sq Ft Lot

Parking

2

Listing Details

  • Property Type: Residential Income
  • Property Sub Type: 2 Family - 2 Units Up/Down
  • Year Built: 1910
  • Levels: 6
  • Year Built Details: Actual
  • Year Round: Yes
  • APOD AVAILABLE: Yes
  • Special Features: None
  • Stories: 6

Interior Features

  • Flooring: Laminate, Stone/Ceramic Tile
  • Interior Amenities: Lead Certification Available, Stone/Granite/Solid Counters, Upgraded Cabinets, Upgraded Countertops, Bathroom with Shower Stall, Remodeled, Studio, Other, Living Room, Kitchen, Laundry Room
  • Door Features: Insulated Doors
  • Fireplace YN: No
  • Appliances: Range, Refrigerator
  • Total Bedrooms: 5
  • Basement YN: Yes
  • Full Bathrooms: 3
  • Total Bathrooms: 3
  • Laundry Features: Electric Dryer Hookup, Washer Hookup
  • Basement: Full, Partially Finished, Walk-Out Access, Concrete, Unfinished
  • Above Grade Finished Sq Ft: 2412
  • Living Area: 2412
  • Spa YN: No
  • Stories Total: 6
  • Window Features: Insulated Windows
  • MAIN LO: K95580

Exterior Features

  • Construction Materials: Frame
  • Foundation Details: Block, Stone
  • Home Warranty YN: No
  • Patio And Porch Features: Porch
  • Road Frontage Type: Public
  • Road Surface Type: Paved
  • Roof: Shingle
  • Waterfront YN: No

Garage/Parking

  • Garage Spaces: 2
  • Covered Parking Spaces: 2
  • Garage YN: Yes
  • Open Parking Spaces: 5
  • Open Parking YN: Yes
  • Parking Features: Shared Driveway, Off Street, Assigned, Paved
  • Total Parking Spaces: 7

Utilities

  • Sewer: Public Sewer
  • Utilities: for Electric Range, for Electric Dryer, Washer Hookup
  • Cooling: None
  • Heating: Baseboard, Natural Gas, Individual
  • Cooling Y N: No
  • Electric: Circuit Breakers, 100 Amp Service, Individually Metered
  • Heating YN: Yes
  • Water Source: Public
  • Hot Water: Natural Gas

Condo/Co-op/Association

  • Community Features: Public Transportation, Shopping, Pool, Tennis Court(s), Park, Walk/Jog Trails, Stable(s), Golf, Medical Facility, Laundromat, Bike Path, Conservation Area, Highway Access, House of Worship, Marina, Private School, Public School, T-Station
  • Rent Includes: Unit 1(Water), Unit 2(Water)
  • Senior Community YN: No

Fee Information

  • Water Sewer Expenses: 1200

Lot Info

  • Parcel Number: M:R22 B:11 L:28,3536731
  • Zoning: R1
  • Farm Land Area Units: Square Feet
  • Lot Features: Sloped
  • Lot Size Acres: 0.13
  • Lot Size Sq Ft: 5800
  • Lot Size Units: Acres

Tax Info

  • Tax Year: 2025
  • Tax Annual Amount: 3349

Multi Family

  • Electric Expense: 300
  • Insurance Expense: 2000
  • Net Operating Income: 61200
  • Number Of Units Total: 2
  • Operating Expense: 2400
  • Total Actual Rent: 5700
  • LEVELS 1: 1
  • Basement Included Sq Ft: No
  • LEVELS 3: 3
  • LEASE 2: Y
  • LEASE 1: N
  • FLRS 3: 3

MLS Schools

  • High School: Gardner High School
  • Elementary School: Gardner Public Schools
  • Middle Or Junior School: Gardner Public Schools

Map

Range of Values:

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Value Increase
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Percent Increase
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Adjusted for Inflation
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Home Values in the Area

Source: Public Records

Average Home Value in this Area





Source: Public Records

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 $33 $233,200 $66,100 $167,100
2024 $4,014 $267,800 $60,100 $207,700
2023 $3,808 $236,100 $59,200 $176,900
2022 $3,344 $179,900 $44,800 $135,100
2021 $3,100 $154,700 $39,000 $115,700
2020 $2,789 $141,300 $39,000 $102,300
2019 $2,697 $133,900 $39,000 $94,900
2018 $2,532 $124,900 $39,000 $85,900
2017 $2,439 $119,100 $39,000 $80,100
2016 $2,438 $119,100 $39,000 $80,100
2015 $2,837 $142,000 $39,000 $103,000
2014 $2,706 $143,400 $43,300 $100,100
Source: Public Records

Property History

Date Event Price List to Sale Price per Sq Ft Prior Sale
03/12/2026 03/12/26 Pending -- -- --
03/09/2026 03/09/26 For Sale $579,900 +182.9% $240 / Sq Ft
06/23/2023 06/23/23 Sold $205,000 +2.5% $79 / Sq Ft View Prior Sale
06/07/2023 06/07/23 Pending -- -- --
05/30/2023 05/30/23 For Sale $200,000 +60.0% $77 / Sq Ft
04/05/2016 04/05/16 Sold $125,000 -7.4% $72 / Sq Ft View Prior Sale
03/08/2016 03/08/16 Pending -- -- --
02/24/2016 02/24/16 For Sale $135,000 -- $78 / Sq Ft
Source: MLS Property Information Network (MLS PIN)

Purchase History

Date Type Sale Price Title Company
Quit Claim Deed $205,000 None Available
Quit Claim Deed $125,000 --
Deed $109,000 --
Deed $109,000 --
Source: Public Records

Mortgage History

Date Status Loan Amount Loan Type
Open $279,500 Purchase Money Mortgage
Previous Owner $112,000 New Conventional
Previous Owner $93,925 No Value Available
Previous Owner $103,374 No Value Available
Source: Public Records

Source: MLS Property Information Network (MLS PIN)

MLS Number: 73484382

MLS Property Information Network (MLS PIN)

APN: GARD-000022R-000011-000028

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