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I'm Andrew Goldberg, a Boston real estate advisor specializing in first-time buyers across Greater Boston. I guide you A to Z—from first search to closing day.

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Commonwealth Standard Realty Advisors

© 2026 Andrew Goldberg. All rights reserved.
Equal Housing Opportunity. Information deemed reliable but not guaranteed.

  1. Home
  2. Listings
  3. 40 Mill St, Gardner, MA 01440
Active
2 Days on market
40 Mill St Gardner — Photo 1 of 42

40 Mill St Gardner — Photo 1 of 42

$465,000

40 Mill St, Gardner, MA 01440

Gardner, MA 01440

Beds

3

Baths

3

SqFt

2,581

Style

Single Family

Built

1961

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 a rare 3-car garage with plenty of room for vehicles, hobbies & storage.

Open Houses

Market Value Analysis

This Property
Size (SqFt) →Price →
This Property$180/sqft
Local Avg (Gardner)$255/sqft
29% BelowMarket Average

* Analysis is based on 24 actively listed and recently sold comparable properties strictly within Gardner, MA.

Property Details

Financials

Original Price$465,000
Annual Taxes$5,569

Parking

Garage3
Off-Street5

Interior Specifications

Total Rooms5
FireplacesNone
FlooringVinyl, Hardwood, Flooring - Hardwood, Flooring - Vinyl
BasementFull, Finished, Walk-Out Access, Concrete, Unfinished

Climate & Utilities

HeatingBaseboard, Oil, Propane, Wood Stove
CoolingNone
WaterPublic
SewerPublic Sewer

Building & Exterior

Construction--
RoofShingle
FoundationConcrete Perimeter, Block
ZoningR1

Property & Lot

Acres0.37
SqFt Lot15,993
Lot FeaturesGentle Sloping

Amenities & Appliances

Water Heater • Oven • Dishwasher • Microwave • Range • Refrigerator

Neighborhood

Public Transportation • Shopping • Walk/Jog Trails • Stable(s) • Golf • Medical Facility

Geography

Floorplan Breakdown

Structural Layout

First
Master Bedroom
Basement
Bathroom 3
Main,First
Living RoomDining RoomKitchenBedroom 2Bedroom 3Bathroom 1Bathroom 2
Living Room
Lvl Main,First

Wood / Coal / Pellet Stove, Skylight, Ceiling Fan(s), Vaulted Ceiling(s), Flooring - Hardwood, Window(s) - Bay/Bow/Box, Attic Access, Exterior Access

Dining Room
Lvl Main,First

Wood / Coal / Pellet Stove, Flooring - Hardwood, Exterior Access, Open Floorplan, Slider

Kitchen
Lvl Main,First

Pantry, Kitchen Island, Cabinets - Upgraded, Country Kitchen, Recessed Lighting, Lighting - Pendant

Master Bedroom
Lvl First

Bathroom - Full, Walk-In Closet(s), Flooring - Vinyl, Recessed Lighting

Bedroom 2
Lvl Main,First
Bedroom 3
Lvl Main,First

Closet, Flooring - Hardwood, Lighting - Overhead

Bathroom 1
Lvl Main,First

Bathroom - Full, Bathroom - Double Vanity/Sink, Bathroom - With Tub, Closet, Flooring - Laminate, Lighting - Overhead

Bathroom 2
Lvl Main,First

Bathroom - Full, Bathroom - With Shower Stall, Lighting - Overhead, Pedestal Sink

Bathroom 3
Lvl Basement

Bathroom - Full, Bathroom - With Shower Stall

Population

21,276

U.S. Census Bureau, ACS 2024 5-Year Estimates (B01003)

Median Household Income

$67K

U.S. Census Bureau, ACS 2024 5-Year Estimates (B19013)

Renter-Occupied Homes

40.9%

U.S. Census Bureau, ACS 2024 5-Year Estimates (B25003)

New Construction Permits — Worcester County

1,806 housing units permitted in the last 12 months (-4% vs the prior 12 months) — 1,006 in 5+ unit buildings

U.S. Census Bureau, Building Permits Survey (through Jun '26)

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: 900 sq ft (the lesser of 900 sq ft or half the 2,581 sq ft principal dwelling). Lot size: 15,993 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.

Full Gardner, MA market report ZIP 01440 market data
Listing Provided By

Listing Agent: Kristen Dodge

Listing Office: LAER Realty Partners

MLS® Number: 73568690

Open Houses

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