104-108 Parker St, Gardner, MA, 01440
About This Home
Exceptional mixed-use investment opportunity in the heart of Gardner! Fully occupied and generating $75,180 in annual gross income, this turnkey property features two commercial units and two residential apartments, offering a diversified mix of income streams. The first-floor commercial space is occupied by a medical spa, while the third-floor commercial space is home to an art studio. Situated between them are two residential apartments, creating a well-balanced layout. A detached 3-car garage with a spacious second level provides valuable storage and future potential. Benefit from a high-visibility downtown location with a mix of ample off-street, metered on-street, and nearby municipal parking. Centrally located within walking distance to shops, restaurants, public transportation, services, and other everyday conveniences. Ideal for investors seeking strong in-place income, full occupancy, turnkey condition, and future upside potential.
Getting Around
Very Walkable
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 1888
Materials
- Foundation: Block,Stone,Brick/Mortar
- Roof: Shingle
Type & Style
- Home type: MultiFamily
- Property subType: 4 Family
Interior
Basement
- Has basement: Yes
- Basement: Full,Walk-Out Access
Bedrooms & Bathrooms
- Bedrooms: 3
- Bathrooms: 5
- Full bathrooms: 2
- 1/2 bathrooms: 3
Features
- Flooring: Tile,Varies,Hardwood
- Finished area above ground: 6,958
Interior Area
- Total structure area: 6,958
- Total interior livable area: 6,958 sqft
Property
Details
- Parcel number: M:M22 B:4 L:3,3535617
- Zoning: C1
Features
- Fencing: Fenced/Enclosed
Lot
- Lot size: 6,358 sqft
- Features: Cleared,Gentle Sloping
Parking
- Total spaces: 7
- Parking features: Paved Drive,Off Street
- Has garage: Yes
- Attached garage spaces: 3
- Covered spaces: 3
- Has uncovered spaces: Yes
- Uncovered spaces: 4
Climate Risk is Financial Risk
Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.
Biggest Threats for This Home
- Cold Wave
- Hurricane
- Ice Storm
- Strong Wind
How This Home’s Risks Compare
FEMA Declared Disasters Across Massachusetts Counties
Understanding the Costs
Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.
Estimated Costs Today
| Monthly | Annual | |
|---|---|---|
| Mortgage | $2,927 | $35,124 |
| Home Insurance * | $249 | $2,988 |
| Property Taxes | $603 | $7,236 |
| Electricity | $1,372 | $16,464 |
| Total | $5,151 | $61,812 |
Income You'd Need if You Spent...
Massachusetts FAIR Plan Programs
How Costs Could Change Over Time
Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-06-23 | Listed for sale | $579,000 |
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