84 Catherine St, Gardner, MA, 01440
About This Home
FRESHLY RENOVATED SPLIT-LEVEL in a great neighborhood, yet close to Routes 2, 140 and 101. The main level features a new Kitchen with granite countertops and new flooring and dining area. The living room, hallway and three nice sized bedrooms all have hardwood flooring. The lower level is completely finished, offering three rooms with wall to wall carpeting and a half bath. Lots of options and flexibility to add to the bedroom count or remote work. The back yard is shaded, fully fenced-in (and previously had an above ground pool) and has two storage sheds. With a new roof done in July and the tremendous amount of living space, this home will give it's new owner years of worry-free living for an expanding family. Located minutes from Dunn Park!
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 1993
Materials
- Foundation: Concrete Perimeter
- Roof: Shingle
- Construction materials: Frame
Type & Style
- Home type: SingleFamily
- Architectural style: Split Entry
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Water Heater,Range,Dishwasher,Microwave,Refrigerator
Basement
- Has basement: Yes
- Basement: Full,Finished,Walk-Out Access
Bedrooms & Bathrooms
- Bedrooms: 3
- Bathrooms: 2
- Full bathrooms: 1
- 1/2 bathrooms: 1
Features
- Window features: Insulated Windows
- Flooring: Vinyl,Carpet
- Finished area below ground: 970
- Finished area above ground: 1,130
Heating & Cooling
- Heating features: Baseboard,Oil
- Cooling features: None
Interior Area
- Total structure area: 2,100
- Total interior livable area: 2,100 sqft
Master Bathroom
- Features: No
Property
Details
- Parcel number: M:0R27 B:0015 L:004E,3538791
- Zoning: R1
Features
- Patio & porch: Deck
- Exterior features: Deck,Storage
- Fencing: Fenced/Enclosed
- Waterfront features: Lake/Pond,Direct Access,Walk to,3/10 to 1/2 Mile To Beach,Beach Ownership(Public)
Lot
- Lot size: 9,402 sqft
- Features: Wooded,Level
Parking
- Total spaces: 4
- Parking features: Paved Drive,Off Street
- 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 | $2,149 | $25,788 |
| Home Insurance * | $183 | $2,196 |
| Property Taxes | $502 | $6,024 |
| Electricity | $414 | $4,969 |
| Total | $3,248 | $38,976 |
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 |
|---|---|---|
| 2026-08-14 | Price change | $425,000 |
| 2026-05-13 | Listed for sale | $399,900 |
| 2021-11-01 | Sold | $300,000 |
| 2021-09-08 | Pending sale | $319,000 |
| 2021-08-14 | Listed for sale | $319,000 |
| 2012-07-05 | Sold | $101,600 |
| 2012-04-03 | Listing removed | $89,900 |
| 2012-03-16 | Price change | $89,900 |
| 2011-11-19 | Listed for sale | $99,900 |
| 2010-06-18 | Listing removed | $150,000 |
| 2009-05-16 | Listed for sale | $195,000 |
| 2009-04-09 | Listing removed | $195,000 |
| 2009-03-13 | Price change | $195,000 |
| 2008-06-24 | Listed for sale | $230,000 |
| 2008-03-11 | Listing removed | $189,000 |
| 2008-01-25 | Listed for sale | $189,000 |
| 2007-07-18 | Sold | $180,000 |
For Sale by Agent
View on Zillow