52 Bancroft St, Gardner, MA, 01440
About This Home
Whether you're looking to expand your investment portfolio or searching for an owner-occupied opportunity, this two-family home is full of potential. Owned by the same family for many years, this property offers spacious apartments featuring large living rooms, oversized kitchens, two bedrooms in each unit, and enclosed porches that provide additional space. Enjoy a rear deck overlooking the backyard, off-street parking, and a garage for added convenience. The walk-up attic offers excellent storage. With generous room sizes and solid bones, this is a wonderful opportunity to add your personal touches and build equity. Conveniently located near downtown Gardner, shopping, restaurants, parks, and major commuter routes.
Getting Around
Somewhat Walkable
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 1925
Materials
- Foundation: Concrete Perimeter
- Roof: Shingle
- Construction materials: Frame
Type & Style
- Home type: MultiFamily
- Property subType: Multi Family
Interior
Appliances
- Appliances included: Range,Dishwasher,Refrigerator,Washer,Dryer
- Laundry features: Electric Dryer Hookup,Washer Hookup
Basement
- Has basement: Yes
- Basement: Full,Walk-Out Access,Garage Access,Concrete
Bedrooms & Bathrooms
- Bedrooms: 4
- Bathrooms: 2
- Full bathrooms: 2
Features
- Ceiling Fan(s),Walk-Up Attic
- Flooring: Carpet,Hardwood
- Finished area above ground: 2,608
Heating & Cooling
- Heating features: Baseboard
- Cooling features: Window Unit(s)
Interior Area
- Total structure area: 2,608
- Total interior livable area: 2,608 sqft
Property
Details
- Parcel number: 3535769
- Zoning: R1
Features
- Patio & porch: Enclosed,Deck
Lot
- Lot size: 7,680 sqft
- Features: Sloped
Parking
- Total spaces: 7
- Parking features: Off Street
- Has garage: Yes
- Attached garage spaces: 2
- Covered spaces: 2
- Uncovered spaces: 5
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
- 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 | $1,972 | $23,664 |
| Home Insurance * | $168 | $2,016 |
| Property Taxes | $461 | $5,532 |
| Electricity | $514 | $6,171 |
| Total | $3,115 | $37,380 |
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)
No zestimate history available
Price History
| Date | Event | Price |
|---|---|---|
| 2026-08-13 | Pending sale | $390,000 |
| 2026-08-10 | Contingent | $390,000 |
| 2026-07-29 | Listed for sale | $390,000 |
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