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32 Winter Street Gardner — Photo 1 of 40

32 Winter Street Gardner — Photo 1 of 40

$450,000

Investment Analysis — 32 Winter Street

Gardner, MA 01440

Based on HUD Small Area Fair Market Rent for Fitchburg-Leominster, MA HUD Metro FMR Area, a 4-bedroom in 01440 carries an estimated $2,350/mo in gross rent — about a 3.77% cap rate and $16,972/yr in estimated NOI at the $450,000 list price. Adjust every assumption in the calculator below.

View Standard Listing

Beds

4

Baths

1.5

SqFt

2,851

Style

Single Family

Built

1870

1870 VICTORIAN CHARM, IMPRESSIVE SPACE & THOUGHTFUL UPDATES! Step inside this distinctive Victorian offering 2,851 sq. ft. of living space, where period character meets the comfort and functionality of today’s lifestyle. Generous room sizes, hardwood floors, abundant natural light and architectural details create warmth and personality throughout. The refreshed kitchen features new countertops, repainted cabinetry and additional storage, while the renovated first-floor laundry offers new cabinetry and workspace. NOW FEATURING AN UPDATED 200-AMP ELECTRICAL SERVICE, adding another significant improvement to this classic home. Other updates include custom radiator enclosures, built-in cabinetry, organized bedroom closets and fresh interior paint throughout most rooms. The renovated full bath features a double vanity and new tile flooring. A large walk-up attic offers exceptional storage and potential for additional finished space, subject to permits and approvals. Outside, enjoy approximately half an acre with a fenced yard, patio and plenty of room to relax, garden and entertain. A full walk-out basement and expansive paved driveway provide even more flexibility. Classic Victorian character, impressive space and meaningful updates—come discover everything this unique Gardner home has to offer!

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: 900 sq ft (the lesser of 900 sq ft or half the 2,851 sq ft principal dwelling). Lot size: 21,785 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.

Immersive Experience

Property Details

Financials

Original Price$450,000
Annual Taxes$4,460

Parking

Garage0
Off-Street11

Interior Specifications

Total Rooms9
FireplacesNone
FlooringTile, Hardwood, Flooring - Hardwood
BasementFull, Walk-Out Access, Interior Entry

Climate & Utilities

HeatingSteam, Oil
CoolingNone
WaterPublic
SewerPublic Sewer

Building & Exterior

Construction--
Roof--
FoundationStone
ZoningR1

Property & Lot

Acres0.5
SqFt Lot21,785
Lot Features--

Amenities & Appliances

Tankless Water Heater • Range • Dishwasher • Refrigerator • Washer • Dryer

Neighborhood

Sidewalks

Geography

Floorplan Breakdown

Structural Layout

Second
Primary BedroomBedroom 2Bedroom 3Bedroom 4Bathroom 2
First
Living RoomDining RoomKitchenFamily RoomBathroom 1
Living Room
Lvl First

13 x 16

Ceiling Fan(s), Flooring - Hardwood, Crown Molding, Decorative Molding

Dining Room
Lvl First

15 x 18

Ceiling Fan(s), Flooring - Hardwood, Window(s) - Bay/Bow/Box, French Doors, Exterior Access, Slider, Lighting - Overhead, Crown Molding, Decorative Molding

Kitchen
Lvl First

14 x 12

Ceiling Fan(s), Beamed Ceilings, Flooring - Vinyl, Window(s) - Bay/Bow/Box, Lighting - Overhead, Crown Molding, Decorative Molding

Family Room
Lvl First

14 x 14

Flooring - Hardwood, Window(s) - Bay/Bow/Box, Lighting - Overhead, Crown Molding, Decorative Molding

Primary Bedroom
Lvl Second

15 x 27

Ceiling Fan(s), Walk-In Closet(s), Flooring - Vinyl, Window(s) - Bay/Bow/Box, Lighting - Overhead, Decorative Molding

Bedroom 2
Lvl Second

13 x 14

Bedroom 3
Lvl Second

12 x 14

Closet, Flooring - Vinyl, Window(s) - Bay/Bow/Box, Lighting - Overhead

Bedroom 4
Lvl Second

13 x 14

Ceiling Fan(s), Closet, Window(s) - Bay/Bow/Box, Lighting - Overhead

Bathroom 1
Lvl First

5 x 4

Bathroom - Half

Bathroom 2
Lvl Second

7 x 11

Bathroom - Full, Bathroom - Double Vanity/Sink, Bathroom - With Tub & Shower, Window(s) - Bay/Bow/Box, Lighting - Overhead, Decorative Molding

Listing Provided By

Listing Agent: Miller Real Estate Group

Listing Office: Keller Williams Pinnacle Central

MLS® Number: 73566180