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$465,000

Listing Price

3beds

1.5baths

1,715sqft

15,993sqft lot

40 Mill St, Gardner, MA 01440

Member Features

Find Real Estate Bargain!

  • Full foreclosure details

  • Home value, equity and ownership info

  • Find homes priced below market

  • Get full access with a FREE Account

Already a member?

For Sale

Off Market

Single Family

Home type

271.14

Price / sqft

1961

Year built

Home Details

Tucked away just off West Broadway, this spacious ranch offers a surprisingly private setting with beautiful pond views while keeping you close to Gardners 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.

Interior Details

Square Feet
  • 1715

Bedrooms
  • 3

Bathrooms
  • 1.5

Heating
  • Has Heating:

    Yes

  • Heating Type:

    Hot Water

Cooling
  • Has Cooling:

    No

  • Cooling Type:

    N/A

Fuel
  • Has Fuel:

    Yes

  • Fuel Type:

    Oil

Basement
  • Has Basement:

    No

  • Basement Type:

    Basement (unspecified)

Flooring
  • Has Flooring:

    No

  • Flooring Type:

    N/A

Fireplace
  • Has Fireplace:

    Yes

  • Fireplace Type:

    N/A

Property Details

Lot Size
  • 15993

Water
  • No

Sewer
  • No

Parking
  • Type:

    N/A

  • Location:

    N/A

  • Status:

    N/A

  • Number of Spaces:

    N/A

Deck
  • N/A

Patio
  • N/A

Fence
  • N/A

Pool
  • N/A

Porch
  • N/A

Stoop
  • N/A

Breezeway
  • N/A

Construction Details

Number of Stories
  • 1

Style
  • Ranch

Exterior
  • Aluminum/vinyl

Foundation
  • N/A

Roof
  • Gable

Roofing Material
  • Asphalt

Tax History

Year

Amount

Land

Improvement

Percent Change

Assessment

2020

$4,745

$42,600

$197,800

--%

$240,400

2019

$4,439

$42,600

$177,800

--%

$220,400

2018

$4,184

$42,600

$163,800

--%

$206,400

2017

$4,065

$42,600

$155,900

--%

$198,500

2016

$3,852

$42,600

$145,600

--%

$188,200

2014

$3,582

$54,400

$135,400

--%

$189,800

2013

$3,529

$54,400

$147,700

--%

$202,100

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Average Home Price in 01440

Nearby Properties

Zip Code

Price

Bed

Bath

Sqft

Lot

Sold Date

$437,237

3 Beds

1.5 Baths

1,536 Sqft

19,012 Lot (sqft)

Sold 10/26/2026

$405,260

2 Beds

1.5 Baths

1,530 Sqft

36,013 Lot (sqft)

Sold 10/26/2026

$470,681

4 Beds

1.5 Baths

1,652 Sqft

10,019 Lot (sqft)

Sold 10/27/2026

$399,900

3 Beds

3 Baths

1,890 Sqft

23,897 Lot (sqft)

Sold 10/05/2026

$319,900

3 Beds

2 Baths

1,768 Sqft

13,750 Lot (sqft)

Sold 11/15/2025

$337,956

3 Beds

2 Baths

1,847 Sqft

12,020 Lot (sqft)

Sold 10/26/2026

$460,000

4 Beds

2 Baths

1,702 Sqft

20,150 Lot (sqft)

Sold 10/26/2026

$465,000

3 Beds

1.5 Baths

1,715 Sqft

15,993 Lot (sqft)

Sold 10/27/2026

percent-home-icon

Calculators

Mortgage

Mortgage Calculator

Calculate your monthly mortgage payments.
Household Income
70,000
$
Home price
465,000
$
Down payment
93,000
$
Mortgage Rate
6.5
%
Loan Term
Property Tax Rate
1.1
%
Homeowner's Insurance (Annual)
2,790
$
HOA (Monthly)
0
$
PMI
0
$
$3,010
Your Payment
Total Monthly Payment:$3,010
Percent of Income:52%
Affordable:No

Details for 40 MILL ST

Property Debt

Foreclosure Contact Details