Multi Family at 190 Pine St, Gardner MA 01440
Multi Family at 190 Pine St, Gardner MA 01440, photo 2 of 13
Multi Family at 190 Pine St, Gardner MA 01440, photo 3 of 13
Multi Family at 190 Pine St, Gardner MA 01440, photo 4 of 13
Multi Family at 190 Pine St, Gardner MA 01440, photo 5 of 13
Multi Family at 190 Pine St, Gardner MA 01440, photo 6 of 13
Multi Family at 190 Pine St, Gardner MA 01440, photo 7 of 13
Multi Family at 190 Pine St, Gardner MA 01440, photo 8 of 13
Multi Family at 190 Pine St, Gardner MA 01440, photo 9 of 13
Multi Family at 190 Pine St, Gardner MA 01440, photo 10 of 13
Multi Family at 190 Pine St, Gardner MA 01440, photo 11 of 13
Multi Family at 190 Pine St, Gardner MA 01440, photo 12 of 13
Multi Family at 190 Pine St, Gardner MA 01440, photo 13 of 13
13 photos

$408,000

190 Pine St, Gardner MA 01440
Gardner, MA 01440
Listed by Harold J. Salant
Bedrooms
4
Bathrooms
2
Living area
2,702 sqft
Year built
1905

About this home

Well maintained 2 family with large unfinished attic 1st floor unit has a pellet stove in the middle of the unit. 2nd floor unit has a heatpump but the seller has no information about the condition. Both units have the same floor plan and both have 2 bedrooms, 1 bath, large kitchen with separate galley. All appliances will be included as shown. Further enhancing the property's functionality is a single garage space, providing convenient parking and storage solutions. The generous 6530 square foot lot size offers ample outdoor space for various potential uses. To explore the potential of this compelling multi-family property, we encourage you to schedule a private viewing.

Property details

MLS
MLS Property Information Network
MLS #
73571436
Property type
Multi Family
Subdivision
N/A
Status
Active
Days on market
52
On market date
September 1, 2026
Stories
2
Total bathrooms
2
Garage spaces
1
Parking spaces
5
Lot size
0.15 acres
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Nearby schools

Within 10 miles. School directory data from the National Center for Education Statistics (NCES), accessed via the Urban Institute Education Data API. Local Score is calculated by INNOVATE Real Estate; where a state rating is shown, it comes from that state's own official school report card.

Elementary
Elm Street School
0.51 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
1.18 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
0.52 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, calculated by INNOVATE Real Estate from two sources: the EPA's National Walkability Index (street network, transit, land-use mix) and Google Places amenity data (what's actually reachable on foot from this point). 60% EPA National Walkability Index + 40% nearby-amenity density (Google Places).

86
Highly walkable
out of 100
EPA National Walkability Index
15.3 / 20 -- Most walkable
Google Places amenity density
100 / 100
Restaurants & cafes20
Grocery stores7
Parks15
Schools8
Transit stops20
Pharmacies6

Market position

How this listing compares to current activity in Gardner, from live MLS data.

On the market 52 days -- 40 fewer days than Gardner's current average of 92 days.
For reference, the median list price across 163 active listings in Gardner right now is $385,000.

Mortgage calculator

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

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Est. monthly payment
$2,607/mo
$81,600 down
$326,400 loan
Principal & interest$2,117
Property tax (est.)$340
Home insurance (est.)$150

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Data source: Listing information provided by MLS Property Information Network via Trestle/CoreLogic. Last updated 5 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.