CCertihomes
12 Water St, Gardner, MA 01440

$434,900

3 beds 2 baths 2,173 sqft Built 1900103 days on marketActive

About this home

MOTIVATED SELLER!!! This house has the best of both worlds with two heating systems.Giving a homeowner the right to exercise the cheapest market (Oil versus electric) with a new forced hot water furnace and mini splits. This home ensures optimal control and efficiency by having spray foam insulation. Total renovation including new wiring, plumbing, water, and sewer lines, you can enjoy peace of mind knowing that the essential components of the home have been updated. The open-concept kitchen and dining room are a highlight, boasting brand-new cabinets and stunning granite countertops, creating an ideal space for cooking and entertaining. Situated on a dead-end road near Route 2, this residence offers tranquility and privacy while remaining conveniently close to Mount Wachusett Community College. Experience the perfect blend of comfort, modern upgrades, and a prime location.

Affordability — calculate your monthly payment

Adjust your budget to see what's left after housing, utilities and transportation. Numbers below assume a 5% down, 30YrFixed at 7.2% APR.

Your estimated payment
$4,066/mo

Real estate (PITI + HOA + PMI)
$3,742
Principal + interest$2,804
Property tax + insurance$775
PMI / 2nd mortgage$163
Utilities
$553
Heating + cooling$115
Internet + TV + phone$157
Water + sewer + garbage$58
Transportation
$107
Car insurance + maintenance$107
Other (entertainment)
$157
$4,066/mo TLC
Budget$5,000/mo
Remaining after TLC$934/mo
Purchase price
$434,900
Down payment
$21,745 (5%)
Loan amount
$413,155
APR
7.2%

Quick facts

Type
Single Family Residence
Style
Colonial
Year built
1900
Lot size
0.24 ac
Stories
0
Heating
Baseboard, Oil, Ductless
Cooling
Ductless
Water
Public
HOA
Annual tax
$3,549
MLS #
73152922
County
Worcester

At a glance

Basement
Dishwasher

Home features

Appliances
Tankless Water HeaterRangeDishwasherRefrigerator
Exterior
Deck - Wood
Community
Public TransportationShoppingMedical FacilityPublic School
Parking
Off Street
Kitchen
Flooring - LaminateCountertops - Stone/Granite/SolidRecessed LightingStainless Steel Appliances
Flooring
Carpet, Laminate
Roof
Shingle
Sewer
Public Sewer

Lot features

Gentle Sloping

Schools

Elementary
Elm
Middle
Gardner
High
Gardner

Neighborhood — 01440

MetricThis ZIPCountyUSA
Population28,6786,444,931299,088,112
Population Change Since19909.00%7.00%20.00%
Population Density1,056786
Male14,7643,127,134147,432,321
Female13,9153,317,797151,655,844
Never Married5,8861,612,88563,775,926
Married11,2492,586,314123,120,365
Separated1,669247,85712,639,686
Widowed1,828363,59415,467,586
Divorced2,456436,88823,075,029
Number Of House Hold10,9142,431,591111,826,380
Average House Hold Size2.522.562.60
Medial Age37.3137.2535.46
Median House Hold Income$47,640$57,698$48,276
Average House Hold Income$55,220$75,023$63,629
P C I$22,403$29,196$24,529
M D I$40,690$48,105$41,133
A T H E$46,651$57,083$50,898
S T R5.00%5.00%
W C J80.01%81.38%77.74%
(Zip) Code
1440

Data via Certihomes neighborhood index. Comparisons across this ZIP, county and the United States.

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MLSPIN

Listing information last refreshed 8/27/2023. Provided courtesy of the listing office via MLSPIN. Information deemed reliable but not guaranteed.