3 Cross St, Gardner, MA 01440
Property image
Property image
SOLD
MAR 13, 2026

3 Cross St
Gardner, MA 01440

  • 2 Beds
  • 1 Bath
  • 853 sqft

$285,000

Last Sold: Mar 13, 2026
6% over list $270K
$334/sqft
Est. Refi. Payment $1,788/mo*
Refinance Your Home

$285,000

Last Sold: Mar 13, 2026
6% over list $270K
$334/sqft
Est. Refi. Payment $1,788/mo*
Refinance Your Home
2 Beds
1 Bath
853 sqft

Local Information

  • Map ViewExplore the area around 3 Cross St.
  • Schools1 Preschool School2 Elementary Schools2 Middle Schools1 High School
  • Shop & Eat
-- mins to
Commute Destination

Description

Looking for a house where you can move right in and build equity over time? 3 Cross Street is a sweet two bedroom single level bungalow style home in a neighborhood of classic and updated larger homes, conveniently located between Elm Street and Lawrence Street. The dining/living room and bedrooms have recently refinished hardwood flooring and fresh paint throughout. Built-in accents hint at the handiwork of the furniture craftsmen in Gardner’s history as the Chair City. You’ll see the easy potential for the entry mudroom area to be finished as additional square footage. Front porch and a single car garage. Open houses this weekend, both Saturday and Sunday 10am to noon.
3 Cross St, Gardner, MA 01440 is a 2 bedroom, 1 bathroom, 853 sqft single-family home built in 1952. It last sold for $285,000 on Mar 13, 2026 (6% above the $269,900 asking price). It is currently off market. The Trulia Estimate is $287,300, with a rent estimate of $1,913/month.

Home Highlights

Parking
1 Car Garage
Outdoor
Porch
A/C
Heating only
HOA
None
Price/Sqft
$334/sqft
Listed
139 days ago

Home Details for 3 Cross St

Interior Features

Interior Details
Basement: FullNumber of Rooms: 4Types of Rooms: Master Bedroom, Bedroom 2, Bathroom 1, Kitchen, Living Room
Beds & Baths
Number of Bedrooms: 2Number of Bathrooms: 1Number of Bathrooms (full): 1
Dimensions and Layout
Living Area: 853 Square Feet
Appliances & Utilities
Utilities: for Electric OvenAppliances: Range, RefrigeratorRefrigerator
Heating & Cooling
Heating: OilNo CoolingAir Conditioning: NoneHas HeatingHeating Fuel: Oil
Fireplace & Spa
Number of Fireplaces: 1Has a FireplaceNo Spa
Gas & Electric
Electric: Fuses
Windows, Doors, Floors & Walls
Flooring: Vinyl / VCT, Hardwood
Levels, Entrance, & Accessibility
Floors: Vinyl VCT, Hardwood

Exterior Features

Exterior Home Features
Roof: ShinglePatio / Porch: PorchExterior: PorchFoundation: Concrete Perimeter
Parking & Garage
Number of Garage Spaces: 1Number of Covered Spaces: 1Open Parking Spaces: 2No CarportHas a GarageHas an Attached GarageHas Open ParkingParking Spaces: 3Parking: Attached,Off Street,Paved
Frontage
Waterfront: Lake/Pond, 1 to 2 Mile To Beach, Beach Ownership(Public)Road Frontage: PublicResponsible for Road Maintenance: Public Maintained RoadRoad Surface Type: PavedNot on Waterfront
Water & Sewer
Sewer: Public Sewer
Farm & Range
Frontage Length: 60.00
Finished Area
Finished Area (above surface): 853

Property Information

Year Built
Year Built: 1952
Property Type / Style
Property Type: ResidentialProperty Subtype: Single Family ResidenceArchitecture: Bungalow
Building
Construction Materials: FrameNot Attached PropertyDoes Not Include Home Warranty
Property Information
Parcel Number: M:R27 B:24 L:3, 3538387

Price & Status

Price
List Price: $269,900Price Per Sqft: $334/sqft
Status Change & Dates
Off Market Date: Mon Dec 22 2025

Active Status

MLS Status: Sold

Media

Location

Direction & Address
City: Gardner

Building

Building Area
Building Area: 853 Square Feet

Community

Community Features: Public Transportation, Shopping, Pool, Park, Golf, Medical Facility, Bike Path, Conservation Area, Highway AccessNot Senior Community

HOA

No HOA

Lot Information

Lot Area: 8338 sqft

Offer

Contingencies: Pending P&S

Miscellaneous

BasementMls Number: 73459634Above Grade Unfinished Area: 853

Additional Information

Public TransportationShoppingPoolParkGolfMedical FacilityBike PathConservation AreaHighway Access
Last check for updates: about 4 hours ago
Listed by Jennifer Shenk, (978) 870-9260
Keller Williams Realty North Central, (978) 840-9000
Bought with: Renata Pinto, (508) 740-7455, eXp Realty, (888) 854-7493
Source: MLS PIN, MLS#73459634

Price History for 3 Cross St

DatePriceEventSource
03/13/2026$285,000Sold
MLS PIN #73459634
12/09/2025$269,900ContingentMLS PIN #73459634
12/04/2025$269,900Listed For SaleMLS PIN #73459634

Market trends in Gardner

Last updated June 2026
Buyer'sMarketSeller'sMarket
Avg. sale price
—
Sale-to-List Price
—
Price per sq ft
—
Available listings
56
4MoM
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Property Tax and Assessment

Year2025
Tax$3,623
Assessment$252,300
Home facts updated by county records

Comparable Sales for 3 Cross St

Address
Distance
Property Type
Sold Price
Sold Date
Bed
Bath
Sqft
20 Becky Ave, Gardner, MA
0.46
Single-Family Home
$330,000
09/25/25
2
1
1,096
46 Bickford Hill Rd, Gardner, MA
0.19
Single-Family Home
$395,000
02/12/26
3
1.5
1,035
28 Lennon St, Gardner, MA
0.55
Single-Family Home
$299,999
03/11/26
2
1
1,070
8 Grace Ct, Gardner, MA
0.30
Single-Family Home
$350,000
07/09/26
3
2
1,164
93 Cross St, Gardner, MA
0.23
Single-Family Home
$347,000
12/30/25
3
1.5
1,487
135 Temple St, Gardner, MA
0.41
Single-Family Home
$370,000
03/27/26
3
1
1,228
29 Nelson St, Gardner, MA
0.27
Single-Family Home
$390,000
10/31/25
4
2
1,761
104 Temple St, Gardner, MA
0.34
Single-Family Home
$420,000
04/16/26
3
2
1,327

Nearby homes

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Assigned Schools

These are the assigned schools for 3 Cross St.
View nearby schools on GreatSchools
The GreatSchools Rating compares schools on a variety of school quality indicators including test scores, college readiness, equity and more. Learn more.

What Locals Say about Gardner

At least 150 Trulia users voted on each feature.

  • 82 % Say parking is easy

  • 80 % Say car is needed

  • 78 % Say it's dog friendly

  • 78 % Say there are sidewalks

  • 74 % Say there's holiday spirit

  • 70 % Say yards are well-kept

  • 67 % Say people would walk alone at night

  • 61 % Say it's walkable to restaurants

  • 61 % Say kids play outside

  • 58 % Say it's walkable to grocery stores

  • 53 % Say there's wildlife

  • 51 % Say streets are well-lit

  • 48 % Say it's quiet

  • 46 % Say neighbors are friendly

  • 40 % Say they plan to stay for at least 5 years

  • 29 % Say there are community events

Sourced by Trulia users. Learn more about our methodology.
  • Haley Cwalina
    "Easy access to highway and plenty of stores around don’t have to commute far to get necessities . The roads are not bad either "
    0
    Flag
  • Karen Reynoso
    "I don’t have dogs but I see people walking on the street because there is not side walk spaces available "
    0
    Flag
  • Savivsauga
    "Great Neighborhood and really great town to live in. Also have good plazas and restaurants around. You can go hiking and visits different parks"
    0
    Flag
  • Tanyahiner
    "Easy access to downtown Gardner and to route 2. A commute to Worcester or Boston would be feasible at this location ."
    4
    Flag
  • Bjmaher
    "Close to all major schools , including college and hospital . neighborhood friendly, dog walking is frequent . Well kept front yards, "
    1
    Flag
  • Aquino L.
    "It is very dog oriented of a town. People are generally cordial and most dogs are well trained with ample walking paths and trails."
    5
    Flag
  • Carl C.
    "Movie night in the summer up the street at the park. Different bands in the summer time on Friday nights."
    3
    Flag
  • Colleen M.
    "Gardner is an awesome town to live in. You don't have to travel to go to the stores!! There is plenty of grocery stores in town. The people are nice!!! "
    3
    Flag
  • Mlpowers13
    "Our neighborhood is fairly quiet though you can sometimes hear the gun range at the rod and gun club if you are outside. People are friendly but most often keep to themselves. It's close to shopping and amenities but feels removed from town."
    1
    Flag
  • Send2tc
    "There are a lot of things to do in Gardner. We have a lot of community events, movie theater, bowling. We have a beautiful library. There are many parks and a city pool. We have a state park at Dunn pond where you can go swimming and have a BBQ."
    1
    Flag
  • Mlpowers13
    "I've lived in Gardner since 2003 and find it to be a nice area overall with lots of recreational areas both within the town itself and in the surrounding towns. Like most communities, some parts of town have aged a little better than others but it is generally a pleasant mid-sized town."
    2
    Flag
  • Barbiedoll93066
    "I have s car but there is a Mart bus (city bus) that stops here and has several destinations. It is reliable and not expensive for someone who doesn’t mind going when the schedule fits your needs. "
    0
    Flag
  • Send2tc
    "There’s a lot to do in Gardner. We have a State Park with swimming. Picnic tables with grills. Walking trails and playground."
    0
    Flag
  • Mlpowers13
    "They have regular "festivals" sidewalk sales and show movies in the park in summertime. There is a good extended day program for schoolkids."
    0
    Flag
  • Kristina S.
    "Halloween rocks in my neighborhood! 200 kids minimum every year 😊 Very safe, have never had any packages stolen and I get a delivery almost every other day."
    0
    Flag
  • Shianecordio
    "its very difficult to find places that except dogs. and if they do usually it is breed specific. "
    0
    Flag
  • Drfteclipse
    "good neighborhoods very kid friendly close to multiple amenities highway hospital stores very convenient "
    0
    Flag
  • Donastacia
    "Quick access to Route 2, short commute to NH cities or Worcester within 45 minutes with little traffic to work. Nearby mountain to ski wn 10 minutes. 50 miles to Boston "
    0
    Flag
  • Ajpisces30
    "I’ve lived in this neighborhood for 12 years and I just want to get away. It is a nightmare especially in the summer. A lot of drama and nonsense."
    1
    Flag
  • Ajpisces30
    "I live in my neighborhood for 12 years but I hate the drama and just want to move somewhere else. It is low income but the neighbors are trouble and I don’t want my kids here anymore."
    0
    Flag
  • Knee1
    "Friendly neighborhood of mixed ages, familes, couples and retirees."
    1
    Flag
  • Deb E.
    "Gardner is a small town which has everything, really. Town comes complete with a large park & some smaller ones; good schools, plenty of churches, shopping, an indoor & outdoor pool; a skating rink, 2 bowling alleys, some decent restaurants, a Wal-Mart, car repair shops, all major fast food type places, etc. For a little dot on the map, its got alot. If you live in town, you can walk to most of the major stuff. Public transportation is just adequate. Not a great hot spot for entertainment or nightlife; go to Worcester for that. A nice little family town; it needs to stay that way"
    3
    Flag

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Explore by feature - Pet Friendly

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Homes for sale near 3 Cross St

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Off Market Homes Near 3 Cross St

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The property listing data and information set forth herein were provided to MLS Property Information Network, Inc. from third party sources, including sellers, lessors and public records, and were compiled by MLS Property Information Network, Inc. The property listing data and information are for the personal, non commercial use of consumers having a good faith interest in purchasing or leasing listed properties of the type displayed to them and may not be used for any purpose other than to identify prospective properties which such consumers may have a good faith interest in purchasing or leasing. MLS Property Information Network, Inc. and its subscribers disclaim any and all representations and warranties as to the accuracy of the property listing data and information set forth herein.
The MLS listing information displayed is deemed reliable, but is not guaranteed accurate by the MLS.