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323 Pearl St Gardner — Photo 1 of 32

323 Pearl St Gardner — Photo 1 of 32

$330,000

Investment Analysis — 323 Pearl St

Gardner, MA 01440

Based on HUD Small Area Fair Market Rent for Fitchburg-Leominster, MA HUD Metro FMR Area, a 2-bedroom in 01440 carries an estimated $1,560/mo in gross rent — about a 3.09% cap rate and $10,188/yr in estimated NOI at the $330,000 list price. Adjust every assumption in the calculator below.

View Standard Listing

Beds

2

Baths

1

SqFt

1,148

Style

Single Family

Built

1947

Charming character meets modern convenience in this beautifully updated home! From the moment you arrive, the inviting enclosed front porch sets the tone for a home that perfectly blends classic charm with thoughtful updates. Step inside to find gleaming hardwood floors throughout and a bright, comfortable layout with plenty of natural light. The renovated kitchen features crisp cabinetry with under cabinet lighting, granite countertops and newer black slate appliances, creating a stylish and functional space for everyday living and entertaining. The spacious first floor bathroom offers the added convenience of first floor laundry, making daily life just a little easier. Upstairs, you'll find two comfortable bedrooms. And the updates don't stop at the cosmetics Harvey windows, siding, gutters, insulation, water heater and oil tank have all been updated, giving buyers added peace of mind, Throughout the home, you'll appreciate the combination of updated finishes, classic details, and the warmth that makes this house feel like home. And don't overlook the enclosed front porch- the perfect spot for your morning coffee, relaxing with a book, or enjoying the changing seasons. Updated, move-in ready, and full of charm this is one you won't want to miss!

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: 574 sq ft (the lesser of 900 sq ft or half the 1,148 sq ft principal dwelling). Lot size: 10,901 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.

Open Houses

Property Details

Financials

Original Price$330,000
Annual Taxes$4,039

Parking

Garage0
Off-Street2

Interior Specifications

Total Rooms5
FireplacesNone
FlooringHardwood
BasementWalk-Out Access, Interior Entry, Unfinished

Climate & Utilities

HeatingSteam, Oil
CoolingWall Unit(s)
WaterPublic
SewerPublic Sewer

Building & Exterior

ConstructionFrame
RoofShingle
FoundationConcrete Perimeter
ZoningR1

Property & Lot

Acres0.25
SqFt Lot10,901
Lot Features--

Amenities & Appliances

Electric Water Heater • Range • Dishwasher • Disposal • Microwave • Refrigerator • Washer • Dryer • Plumbed For Ice Maker

Neighborhood

Park • Walk/Jog Trails • Highway Access • Public School

Geography

Floorplan Breakdown

Structural Layout

Second
Primary BedroomBedroom 2
First
Living RoomDining RoomKitchenBathroom 1
Living Room
Lvl First

13 x 11

Flooring - Hardwood

Dining Room
Lvl First

13 x 12

Flooring - Hardwood, Slider

Kitchen
Lvl First

14 x 9

Flooring - Hardwood, Exterior Access, Stainless Steel Appliances

Primary Bedroom
Lvl Second

13 x 9

Closet, Flooring - Hardwood

Bedroom 2
Lvl Second

10 x 9

Bathroom 1
Lvl First

14 x 10

Bathroom - Full, Bathroom - With Tub & Shower, Flooring - Stone/Ceramic Tile, Dryer Hookup - Electric, Washer Hookup

Listing Provided By

Listing Agent: Team Molet

Listing Office: Keller Williams Realty North Central

MLS® Number: 73580807