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280-280 Stone St, Gardner, MA, 01440

2beds
2baths
1,508sqft
$694,900
$461price/sqft
$4,889/moest. monthly cost
$195,560/yrincome needed

About This Home

Lovingly maintained in the same family for decades, this exquisite property is ready for its new owner. Contemporary design house consisting of open concept kitchen with eat in area, dining room, sundrenched living room, full bath and laundry room on first floor. Second floor has master bedroom with large walk-in closet and balcony access, provides panoramic views, picturesque sunsets, overlooks the lush greenery and breathtaking scenery. Second floor also has an additional spacious bedroom and full bath. Top to bottom this home has a truly welcoming atmosphere and offers complete privacy. Equestrian/Horse Enthusiasts? Additional bonuses include ample closet space throughout, bluestone patio, new roofs, newer artesian well, supplemental wood stove for heating, 3 car garage w/heated family room that also boasts a composite deck. Minutes from Heywood Hospital, Gardner golf course, MWCC and Wachusett Mt. Ski Area. Appreciate all 4 seasons of "stay-cation" at your very own pastoral oasis.

Getting Around

4
WalkingCar-Dependent
0
TransitVery Limited Transit
8
BikeSomewhat Bikeable

Schools

2/10
Gardner Middle SchoolGrades 5-71.6 mi
4/10
Gardner High SchoolGrades 8-121.5 mi
2/10
Gardner Elementary SchoolGrades PK-42.1 mi

Construction

Condition

  • Year built: 1900

Materials

  • Foundation: Stone,Brick/Mortar
  • Roof: Shingle
  • Construction materials: Frame

Type & Style

  • Home type: SingleFamily
  • Architectural style: Contemporary
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Water Heater,Range,Dishwasher,Microwave,Refrigerator,Washer,Dryer,Plumbed For Ice Maker
  • Laundry features: Flooring - Laminate,First Floor,Electric Dryer Hookup,Washer Hookup

Basement

  • Has basement: Yes
  • Basement: Full,Bulkhead,Concrete

Bathroom1

  • Features: Bathroom - Full, Bathroom - With Shower Stall, Flooring - Laminate
  • Level: First

Bathroom2

  • Features: Bathroom - Full, Bathroom - With Tub & Shower, Flooring - Stone/Ceramic Tile
  • Level: Second

Bedroom2

  • Features: Ceiling Fan(s), Closet, Flooring - Wall to Wall Carpet
  • Level: Second

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 2
  • Full bathrooms: 2

Dining Room

  • Features: Flooring - Wall to Wall Carpet
  • Level: First

Family Room

  • Features: Skylight, Ceiling Fan(s), Flooring - Wall to Wall Carpet, Balcony / Deck, Exterior Access, Gas Stove

Features

  • Door features: Insulated Doors
  • Window features: Insulated Windows
  • Flooring: Tile,Vinyl,Carpet
  • Number of fireplaces: 1
  • Fireplace features: Family Room
  • Fireplace: Yes
  • Finished area above ground: 1,508

Heating & Cooling

  • Heating features: Baseboard,Oil,Wood
  • Cooling features: None

Interior Area

  • Total structure area: 1,508
  • Total interior livable area: 1,508 sqft

Kitchen

  • Features: Ceiling Fan(s), Flooring - Stone/Ceramic Tile
  • Level: First

Living Room

  • Features: Skylight, Ceiling Fan(s), Flooring - Stone/Ceramic Tile
  • Level: First

Master Bedroom

  • Features: Ceiling Fan(s), Walk-In Closet(s), Flooring - Wall to Wall Carpet, Deck - Exterior, Slider
  • Level: Second

Property

Details

  • Parcel number: M:R42 B:7 L:8
  • Zoning: R2

Features

  • Patio & porch: Deck - Composite,Patio
  • Exterior features: Deck - Composite,Patio
  • Has view: Yes
  • View description: Scenic View(s)

Lot

  • Lot size: 7.56 Acres
  • Features: Wooded,Cleared

Parking

  • Total spaces: 13
  • Parking features: Detached,Storage,Oversized,Off Street
  • Has garage: Yes
  • Attached garage spaces: 3
  • Covered spaces: 3
  • Uncovered spaces: 10

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
    Cold WaveModerate
  • Hurricane
    HurricaneModerate
  • Ice Storm
    Ice StormModerate
  • Strong Wind
    Strong WindModerate

How This Home’s Risks Compare

Cold Wave
Hurricane
Ice Storm
Strong Wind

FEMA Declared Disasters Across Massachusetts Counties

Flood
Hurricane
Severe Storm

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

MonthlyAnnual
Mortgage $3,513$42,156
Home Insurance *$299$3,588
Property Taxes $723$8,676
Electricity $354$4,259
Total$4,889$58,668
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$167,622/yr
40% on housing$146,670/yr
45% on housing$130,373/yr

Massachusetts FAIR Plan Programs

Massachusetts Property Insurance Underwriting Association

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 213,928Commercial: 230
Total Premiums$400.85M
Total Exposure$115.57B

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.

Insurance Growth Rate5-year average: 7.8%
7.8%
0%30.0%
Electricity Growth Rate10-year average: 7.9%
7.9%
0%15.0%
Property Taxes Growth Rate2-year average: 1.3%
1.3%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$461This listing

vs Other Active Listings

Avg $/sqft

ZIP 01440$547
Worcester County$265

vs Homes Sold Last Month

Median $/sqft

ZIP 01440$248
Worcester County$281

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)

No zestimate history available

Price History

DateEventPrice
2026-04-16Price change$700,000
2026-04-14Price change$683,900
2026-02-02Price change$778,900
2025-12-22Listed for sale$799,900

For Sale by Agent

AgentWendy Poudrette
BrokerageFoster-Healey Real Estate

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