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35 Cedar St APT 6, Gardner, MA, 01440

2beds
2baths
1,652sqft
$264,999
$160price/sqft
$2,120/moest. monthly cost
$84,800/yrincome needed

About This Home

Welcome Home to This Stunning Multi-Level Condo in Gardner, MA! Discover modern living in this spacious 2-bedroom, 2-bathroom condo offering 1,658 sq. ft. of beautifully designed space. The tall ceilings and open-concept layout create an airy, inviting atmosphere perfect for both relaxing and entertaining. The updated kitchen features granite countertops, stainless steel appliances, and plenty of cabinet space — seamlessly flowing into the living area for effortless gatherings. Unwind in the luxurious spa tub, or enjoy the mix of laminate and carpeted flooring that brings both style and comfort throughout.An additional loft area offers flexible space — ideal for a home office, guest room, or cozy retreat and possibly a 3rd bedroom. Located in a convenient Gardner neighborhood close to Dunn Park, shops, restaurants, and major routes. HOA Association Fee is: $426.00 Monthly which Includes: Water, Sewer, Master Insurance, Landscaping, Snow Removal, and Refuse Removal.

Getting Around

60
WalkingSomewhat Walkable
0
TransitVery Limited Transit
35
BikeSomewhat Bikeable

Schools

2/10
Gardner Middle SchoolGrades 5-70.8 mi
4/10
Gardner High SchoolGrades 8-120.5 mi
2/10
Gardner Elementary SchoolGrades PK-40.8 mi

Construction

Condition

  • Year built: 1920

Materials

  • Roof: Shingle
  • Construction materials: Frame

Type & Style

  • Home type: Condo
  • Property subType: Condominium

Interior

Appliances

  • Appliances included: Range,Dishwasher,Refrigerator
  • Laundry features: In Basement,Common Area,In Building

Basement

  • Has basement: Yes

Bathroom1

  • Features: Bathroom - Full, Bathroom - With Tub & Shower, Flooring - Vinyl
  • Level: First
  • Area: 65.690999999

Bathroom2

  • Features: Bathroom - Full, Flooring - Laminate, Hot Tub / Spa, Countertops - Stone/Granite/Solid
  • Level: Second
  • Area: 182.81

Bedroom2

  • Features: Closet, Flooring - Wall to Wall Carpet
  • Level: First
  • Area: 199.68

Bedrooms & Bathrooms

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

Dining Room

  • Features: Closet, Flooring - Laminate
  • Level: First
  • Area: 106.190999999

Family Room

  • Features: Cathedral Ceiling(s), Flooring - Wall to Wall Carpet
  • Level: Second
  • Area: 162.56

Features

  • Window features: Insulated Windows
  • Flooring: Vinyl,Carpet,Laminate
  • Finished area above ground: 1,652
  • Common walls with other units/homes: Corner

Heating & Cooling

  • Heating features: Baseboard,Natural Gas
  • Cooling features: Window Unit(s)

Interior Area

  • Total structure area: 1,652
  • Total interior livable area: 1,652 sqft

Kitchen

  • Features: Flooring - Laminate, Countertops - Stone/Granite/Solid, Open Floorplan, Stainless Steel Appliances
  • Level: First
  • Area: 105.779999999

Living Room

  • Features: Flooring - Laminate, Open Floorplan
  • Level: First
  • Area: 150.765

Master Bathroom

  • Features: No

Master Bedroom

  • Features: Closet, Flooring - Wall to Wall Carpet
  • Level: Second
  • Area: 280.56

Property

Accessibility

  • Accessibility features: No

Details

  • Parcel number: M:R27 B:23 L:100 U:0106,3537684
  • Attached to another structure: Yes
  • Zoning: res
  • Exclusions: White Freezer Not Included.

Features

  • Entry location: Unit Placement(Upper,Front)
  • Waterfront features: Lake/Pond,1 to 2 Mile To Beach

Parking

  • Total spaces: 2
  • Parking features: Off Street
  • Has uncovered spaces: Yes
  • Uncovered spaces: 2

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 $1,339$16,068
Home Insurance *$114$1,368
Property Taxes $313$3,756
Electricity $354$4,259
Total$2,120$25,440
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$72,685/yr
40% on housing$63,600/yr
45% on housing$56,533/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

$160This listing

vs Other Active Listings

Avg $/sqft

ZIP 01440$553
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)

Price History

DateEventPrice
2026-08-12Price change$255,000
2026-08-04Price change$262,500
2026-06-28Listed for sale$264,999
2026-06-01Pending sale$264,999
2026-05-19Contingent$264,999
2026-04-13Price change$264,999
2026-03-24Price change$269,900
2026-02-08Price change$274,900
2025-12-16Price change$275,000
2025-11-03Price change$290,000
2025-10-28Listed for sale$300,000
2024-11-01Sold$255,000
2024-09-19Listed for sale$262,900
2021-05-14Sold$164,900
2021-01-15Price change$164,900
2020-04-09Listed for sale$149,900
2019-02-25Sold$112,100
2011-12-24Listing removed$109,900
2011-06-22Listed for sale$109,900
2010-09-27Sold$99,900
2010-06-13Listed for sale$99,900
2008-10-04Listing removed$152,000
2008-04-27Price change$152,000
2008-02-21Listed for sale$155,000
2003-04-03Sold$121,000
2001-05-01Sold$92,300

For Sale by Agent

AgentMichele Mathieu
BrokerageLAER Realty Partners

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