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42 photos

$465,000

40 Mill St, Gardner MA 01440

Gardner, MA 01440

Listed by Kristen Dodge

Bedrooms

Bathrooms

Living area

2,581 sqft

Year built

1961

About this home

Tucked away just off West Broadway, this spacious ranch offers a surprisingly private setting with beautiful pond views while keeping you close to Gardner’s restaurants, shopping, highway access & new development. Step inside to an inviting layout filled with hardwood floors & natural light. The spacious kitchen features an oversized island, upgraded cabinetry & pantry storage and opens to the dining area with a propane stove & exposed brick. One of the home's standout spaces is the sunroom, where walls of windows frame peaceful views of the pond. The main level offers 3 bedrooms, 2 full baths & convenient laundry, including a generous primary suite with private bath & walk-in closet. Downstairs, approximately 620 sq ft of finished space with a 3rd full bath & walkout offers flexibility for a family room, home office or guests. Outside, enjoy a spacious yard overlooking the water, plus an attached tow car garage and two additional bays out back for vehicles, hobbies & storage.

Highlights

Waterfront

Property details

MLS #: 73568690
Property type: Single Family Residence
Subdivision: N/A
Status: Active
Days on market: 29
On market date: August 26, 2026
Stories: N/A
Total bathrooms: 3
Garage spaces: 3
Parking spaces: 5
Lot size: 0.37 acres

Location

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Nearby schools

Within 10 miles · public school directory data (NCES)

Elementary

Elm Street School

1.21 mi away · Grades 2-4

Nearest school -- attendance-zone data not available here

5.0

Local Score (student-teacher ratio only (preliminary -- will incorporate state test-score data once available)) -- not an official state rating

Enrollment: 462
Student:teacher ratio: 11.8:1
District: Gardner

Middle

Gardner Middle School

2.02 mi away · Grades 5-7

Nearest school -- attendance-zone data not available here

4.0

Local Score (student-teacher ratio only (preliminary -- will incorporate state test-score data once available)) -- not an official state rating

Enrollment: 518
Student:teacher ratio: 12.6:1
District: Gardner

High

Gardner Academy for Learning and Technology

1.28 mi away · Grades 9-12

Nearest school -- attendance-zone data not available here

5.0

Local Score (student-teacher ratio only (preliminary -- will incorporate state test-score data once available)) -- not an official state rating

Enrollment: 96
Student:teacher ratio: 12.0:1
District: Gardner

Walkability

Blended score for Gardner's center: EPA's National Walkability Index (street network, transit, land-use mix) combined with nearby-amenity density. 60% EPA National Walkability Index + 40% nearby-amenity density (Google Places).

Walkable

out of 100

EPA National Walkability Index

10.8 / 20 -- Above average walkable

Nearby-amenity density

70 / 100

Restaurants & cafes17

Grocery stores2

Parks3

Schools0

Transit stops13

Pharmacies1

Mortgage calculator

Estimate only - actual rate and payment depend on your lender, credit, and loan program.

Home price

Down payment

Interest rate

Loan term

Adjust tax / insurance estimates

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% / yr

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/mo

Est. monthly payment

$2,950/mo

$93,000 down

$372,000 loan

Principal & interest$2,413

Property tax (est.)$388

Home insurance (est.)$150

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Data source: Listing information provided by MLS Property Information Network via Trestle/CoreLogic. Last updated 28 days ago.

Information herein deemed reliable but not guaranteed; all measurements, school assignments, HOA fees, taxes, and feature lists are approximate and should be independently verified. Equal Housing Opportunity.