Overview Property Details Payment Calculator Walkability

Add to favorites

Remove from favorites
Send to Friend
Watch changes on this property

Active

20 Cross St., Fitchburg MA 01420

$419,000

Estimated $1,038/month Calculator

Multi Family

Total Units: 2

Price Per Unit: $209,500

Total Rent: 37200/year

Estimated CAP Rate:

4 Bedrooms

Baths

2108

Total Parking: 6 (1 Garage)

4,278 (0.10)

Centrally located two family house,good opportunity for first-time buyers. Easy access to Main St businesses,schools and local services, MBTA commuter rail to Boston. Both units offer flexible plans.

This home has been viewed 11 times

Last Checked: June 16th, 2026 at 9:18am (Source: MLS PIN #73529530)

Gross Income: $37,200

Gross Expenses: $4,300

Net Income Calc: $32,900

Water Views

Annual Expenses for 20 Cross St., Fitchburg MA 01420

Total Gross Expenses (Calculated)$4,300/year

APOD AvailableNo

Heating

Electricity

Water

Gas

Insurance

Sewer

Trash Removal

Repair & Maintenance

Management

Miscellaneous

Real Estate Tax4300.64

Annual Income & Unit Breakdown for 20 Cross St., Fitchburg MA 01420

Total Gross Income (Calculated)$37,200

Unit 1

Rental Income$0

LeaseN

Bedrooms2

Bathrooms1 Full

Floor1

Levels in Unit1

Rent Includes

Unit 2

Rental Income$0

LeaseN

Bedrooms2

Bathrooms1 Full

Floor2

Levels in Unit1

Rent Includes

General Information for 20 Cross St., Fitchburg MA 01420

Listing ID73529530

Property TypeMulti Family

Price419000 ($198.77/SqFt)

StyleMulti Family

CityFitchburg

CountyWorcester

MLS AreaFitchburg

Neighborhood(s)

Approximate Living Area Total2108

Approximate Lot Size (Acres)0.1

Total Parking6 (1 Garage)

Garage Parking1

Year Built1920

Year Built SourcePublic Records

Year Built DetailsActual

WaterPublic

SewerPublic Sewer

Electric

Hot Water

Roof MaterialAsphalt/fiberglass Shingles

BasementFull

Construction MaterialsFrame

Lot Features

Foundation Description

Accessible Features

Outdoor Space

ZoningRe

Water ViewsNo

Water Views Features

Waterfront0

Waterfront Features

Terms

Disclosures for 20 Cross St., Fitchburg MA 01420

Lead PaintNone

UFFI

Living Area Includes BasementYes

Living Area Disclosure

Building Area SourcePublic Records

ExclusionsRefrigerator And Some Personal Belongings

Financial Data Source

Total Gross Expenses By Broker

Total Gross Income By Broker

Total Net Income By Broker

Short Sale / Forclosure (Bank Owned)

Compensation Based On

Financial Information for 20 Cross St., Fitchburg MA 01420

Real Estate Taxes4300.64

Tax Year2025

Assessed Value$295,900

Financial Data Source

Total Gross Expenses By Broker

BostonRealEstate.com Gross Expenses

Total Gross Income By Broker

BostonRealEstate.com Gross Income

Total Net Income By Broker

BostonRealEstate.com Gross NOI

CAP Rate (based on Broker info)

Location Information for 20 Cross St., Fitchburg MA 01420

Neighborhood(s)

MLS AreaFitchburg

Area AmenitiesWalk/jog Trails

Contact Information for 20 Cross St., Fitchburg MA 01420

Agent

Name: Carlos Suarez

Office

Name: Hacienda Realty

Phone: 617-568-9590

Payment Calculator

, Interest

Property Taxes 358.39

Principal & Interest 2581.74

HOA Dues

Term

Interest

Home Price

Down Payment

Exclusive Listing Agent

Hacienda Realty

Carlos Suarez

Agent Phone

Office Phone

(617) 568-9590

Text Agent Call Agent Call Office

Array
(
    [acres] => Approx. 0.1 acres (4,278 SqFt)
    [add_date] => 2026-06-04 11:28:35
    [address] => Cross St.
    [agent] => Array
        (
            [address] => 
            [city] => 
            [id] => BB600050
            [name] => Carlos Suarez
            [national_association] => 449505292
            [office] => BB9790
            [state] => 
            [zip] => 
        )

[apod_available] => Array
        (
            [0] => No
        )

[appliances] => Array
        (
        )

[approx_living_area_total] => 2108
    [approx_lot_size_acres] => 0.1
    [approx_lot_size_sqft] => 4278
    [assessed_value] => $295,900
    [association] => 
    [association_fee] => Array
        (
        )

[association_fee_frequency] => Array
        (
        )

[association_fee_includes] => Array
        (
        )

[association_required] => Array
        (
        )

[available_date] => 
    [available_now] => 0
    [basement] => Array
        (
            [0] => Full
        )

[bathrooms] => 
    [bedrooms] => 4
    [building_amenities] => Array
        (
        )

[building_area_source] => Array
        (
            [0] => Public Records
        )

[building_management] => Array
        (
        )

[building_debug] => 
    [building_id] => 
    [building_parent] => 0
    [building_name] => 
    [building_name_from_address] => 
    [building_url] => 
    [buyer_agent_compensation] => 
    [buyer_agent_id] => 
    [buyer_office_id] => 
    [c_style] => Array
        (
        )

[c_type] => Array
        (
            [0] => Multi Family
        )

[cap_rate] => 
    [city] => Fitchburg
    [community_features] => Array
        (
            [0] => Walk/jog Trails
        )

[compensation_based_on] => Array
        (
        )

[complex_complete] => Array
        (
        )

[construction_materials] => Array
        (
            [0] => Frame
        )

[construction_status] => 
    [cooling] => Array
        (
        )

[cooperating_agent_commission] => Array
        (
        )

[county] => Worcester
    [cultivation_acres] => 
    [date_available_note] => 
    [deposit_amount] => Array
        (
        )

[deposit_required] => Array
        (
        )

[deqe] => 
    [description] => Centrally located two family house,good opportunity for first-time buyers. Easy access to Main St businesses,schools and local services, MBTA commuter rail to Boston. Both units offer flexible plans.
    [disclosures] => 
    [documents_available] => Array
        (
        )

[electric] => Array
        (
        )

[electric_expense] => Array
        (
        )

[elementary_school] => 
    [en_suite_bath] => Array
        (
            [0] => Yes
        )

[energy_features] => 
    [entry_level] => Array
        (
        )

[estimated_monthly_payment] => 
    [exclusions] => Array
        (
            [0] => Refrigerator And Some Personal Belongings
        )

[exterior_features] => Array
        (
        )

[facilitator_compensation] => 
    [fee_paid_by_tennant] => 
    [financial_data_source] => Array
        (
        )

[fireplaces] => Array
        (
        )

[first_month_required] => Array
        (
        )

[floor_number] => 0
    [flooring] => Array
        (
            [0] => Tile
        )

[for_sale_by_owner] => 
    [foundation_area] => 
    [foundation_materials] => Array
        (
        )

[frontage_length] => 
    [full_baths] => 
    [garage_parking] => 1
    [gas] => Array
        (
        )

[gas_expense] => Array
        (
        )

[gross_income] => Array
        (
        )

[half_baths] => 
    [handicap_access] => 
    [heating] => 
    [heating_expense] => Array
        (
        )

[high_school] => 
    [horse_features] => Array
        (
        )

[horse_permitted] => 0
    [hot_water] => Array
        (
        )

[id] => 
    [insurance_expense] => Array
        (
        )

[insurance_required] => Array
        (
        )

[interior_features] => Array
        (
        )

[last_month_required] => Array
        (
        )

[last_sync_date] => 2026-06-16 09:18:36
    [laundry_features] => Array
        (
        )

[lead_paint] => Array
        (
            [0] => None
        )

[lease_term] => Array
        (
        )

[levels_in_unit] => 2
    [living_area] => 
    [living_area_disclosure] => Array
        (
        )

[living_area_includes_basement] => Array
        (
            [0] => Yes
        )

[lot_features] => Array
        (
        )

[management_expense] => Array
        (
        )

[middle_school] => 
    [miscellaneuos_expense] => Array
        (
        )

[mls_area] => Fitchburg
    [mls_id] => 73529530
    [neighborhoods] => 
    [net_income_calc] => 32900
    [net_operating_income] => Array
        (
        )

[number_of_lots] => Array
        (
        )

[number_of_units] => 2
    [office] => Array
        (
            [id] => BB9790
            [name] => Hacienda Realty
            [phone] => 617-568-9590
        )

[operating_expense] => Array
        (
        )

[optional_fee_includes] => Array
        (
        )

[optional_price] => 0
    [outdoor_space_available] => Array
        (
        )

[owner_occupancy_source] => 
    [parking_features] => Array
        (
            [0] => 1
        )

[pasture_area] => 
    [patio_and_porch] => Array
        (
        )

[perc_test] => Array
        (
        )

[perc_test_date] => 
    [pet_policy] => Array
        (
            [0] => Allowed
        )

[phone] => 
    [pool_features] => Array
        (
        )

[price] => 419000
    [price_per_sqft] => 198.77
    [price_per_unit] => 209500
    [private_pool] => 
    [property_sub_type] => Array
        (
            [0] => Multi Family
        )

[real_estate_tax] => 4300.64
    [references_required] => Array
        (
        )

[rent_includes] => Array
        (
        )

[repair_maintenance_expense] => Array
        (
        )

[road_frontage_type] => Array
        (
        )

[roof_material] => Array
        (
            [0] => Asphalt/fiberglass Shingles
        )

[rooms] => 12
    [schools] => 
    [senior_community] => 
    [sewer] => Array
        (
            [0] => Public Sewer
        )

[sewer_expense] => Array
        (
        )

[short_sale] => Array
        (
        )

[special_listing_conditions] => Array
        (
        )

[state] => Massachusetts
    [state_code] => MA
    [status] => Array
        (
            [0] => Active
        )

[street_number] => 20
    [structure_type] => Array
        (
        )

[style] => Array
        (
        )

[subagent_compensation] => 
    [tag_accessible_features] => 
    [tag_air_conditioning] => 
    [tag_association_pool] => 
    [tag_beach_access] => 
    [tag_beach_front] => 
    [tag_elevator] => 
    [tag_equestrian] => 
    [tag_garage_parking] => 1
    [tag_generator] => 
    [tag_green_features] => 
    [tag_laundry] => 
    [tag_lead_paint_free] => 1
    [tag_loft] => 
    [tag_pet_friendly] => 
    [tag_pre_construction] => 
    [tag_private_outdoor_space] => 
    [tag_private_pool] => 
    [tag_professional_management] => 
    [tag_recently_renovated] => 
    [tag_senior_community] => 
    [tag_townhouse] => 
    [tag_waterfront] => 
    [tag_waterview] => 1
    [tax_year] => 2025
    [team] => 
    [team_agents] => Array
        (
        )

[terms] => Array
        (
        )

[timber_acres] => 
    [title_5] => 
    [total_gross_expense] => 4300
    [total_gross_income] => 37200
    [total_parking] => 6 (1 Garage)
    [trash_expense] => Array
        (
        )

[travel_routes] => 
    [uffi] => Array
        (
        )

[unit_1_bathrooms] => 1 Full
    [unit_1_bedrooms] => 2
    [unit_1_floor] => 1
    [unit_1_lease] => Array
        (
            [0] => N
        )

[unit_1_levels] => 1
    [unit_1_rent] => Array
        (
        )

[unit_2_bathrooms] => 1 Full
    [unit_2_bedrooms] => 2
    [unit_2_floor] => 2
    [unit_2_lease] => Array
        (
            [0] => N
        )

[unit_2_levels] => 1
    [unit_2_rent] => Array
        (
        )

[unit_3_bathrooms] => 
    [unit_3_bedrooms] => 
    [unit_3_floor] => 
    [unit_3_lease] => Array
        (
        )

[unit_3_levels] => 
    [unit_3_rent] => Array
        (
        )

[unit_4_bathrooms] => 
    [unit_4_bedrooms] => 
    [unit_4_floor] => 
    [unit_4_lease] => Array
        (
        )

[unit_4_levels] => 
    [unit_4_rent] => Array
        (
        )

[unit_level] => 
    [unit_number] => 
    [units_owner_occupied] => 
    [unparsed] => 20 Cross St., Fitchburg MA 01420
    [utilities] => Array
        (
            [0] => 110 Volts
        )

[view] => Array
        (
        )

[water] => Array
        (
            [0] => Public
        )

[water_expense] => Array
        (
        )

[water_views] => Array
        (
            [0] => No
        )

[water_views_features] => Array
        (
        )

[waterfront] => 0
    [waterfront_features] => Array
        (
        )

[year_built] => 1920
    [year_built_details] => Actual
    [year_built_source] => Public Records
    [year_renovated] => 
    [zip] => 01420
    [zips] => 
    [zoning] => Re
    [zoning_details] => 
    [media] => Array
        (
            [0] => https://www.bostonrealestate.com/wp-content/uploads/WPL/782551/MLS1.jpg
            [1] => https://media.mlspin.com/photo.aspx?mls=73529530&w=1024&h=768&n=2
            [2] => https://media.mlspin.com/photo.aspx?mls=73529530&w=1024&h=768&n=3
            [3] => https://media.mlspin.com/photo.aspx?mls=73529530&w=1024&h=768&n=4
            [4] => https://media.mlspin.com/photo.aspx?mls=73529530&w=1024&h=768&n=5
            [5] => https://media.mlspin.com/photo.aspx?mls=73529530&w=1024&h=768&n=6
            [6] => https://media.mlspin.com/photo.aspx?mls=73529530&w=1024&h=768&n=7
            [7] => https://media.mlspin.com/photo.aspx?mls=73529530&w=1024&h=768&n=8
            [8] => https://media.mlspin.com/photo.aspx?mls=73529530&w=1024&h=768&n=9
        )

[raw] => 
)

EXIT

7 More Photos