101 S Main St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 101 S Main St, Gardner, MA 01440

Property Summary

Property Type	Residential Multi-Family (5+ Units)
Details	3 bd · 1 ba · 1,413 sqft · built 1880
Lot Size	0.12 acres (5,227 sqft)
Owner	Company Name on File
Last Sale	$240,000 (Jun 2021)
Tax Bill	$5,332 (2026)
Deeds & Mortgages	Jan 2026 Mortgage Jun 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`M:S-16 B:0042 L:0020`

Property Details

APN / Parcel Number

Primary APN	`M:S-16 B:0042 L:0020`
Alternative APN	`GARD M:R17 B:19 L:20`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Building Area	1,413 sqft Living Area
Gross Area	2,808 sqft
Basement Area	984 sqft
Unfinished Basement	984 sqft

Exterior

Year Built	Built 1880
Effective Year Built	Effective 1880
Architectural Style	Conventional
Lot Area	5,227 sqft (0.12 acres)
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Heating System	Steam

Location & Zoning

Street Address	101 S MAIN ST
City	GARDNER
State	MA
Zip	01440-3323
Property Category	Residential
Property Type	Residential > Multi-Unit > Residential Multi-Family (5+ Units)
Local Zoning Code	C2
Legal Block	19
Legal Lot Number	20
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	2
Census Block	2041
Census Tract	707100

Owner

101 S Main St, a residential property, is owned by a company that bought it in June 2021.

Source: Worcester County and Gardner City records, as of October 20, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Company Name on File
Mailing Address	98 PLEASANT ST, 1, LEOMINSTER, MA 01453-3546
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Jan 27, 2026	Deed of Trust, Mortgage RFLF 4 LLC
Jun 29, 2021	Quit Claim Deed, Transfer · Commercial Mortgage AVIDIA BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 29, 2021 · Amount on File
Deed Sale	Jun 29, 2021 · Amount on File
Prior Sale	Mar 7, 2014
Deed Document Number	202190810
Deed Book / Page	65506 / 186
Record Updated	Oct 29, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	101 S MAIN ST, GARDNER, MA 01440-3323
Transaction Type	Mortgage
Record Updated	Feb 18, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0073127-58
Date	Jan 27, 2026
Book Page	73127/58
Instrument	6513

Lender

Name	RFLF 4 LLC

Agreement

Amount	Amount on Record

June 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Jun 29, 2021
Property Address	101 S MAIN ST, GARDNER, MA 01440-3323
Document Number	065506-186
Book / Page	65506 / 186
Instrument Date	Jun 29, 2021
Instrument	90810
Transaction Type	Transfer
Record Updated	Jan 17, 2022

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	90 CHERRY ST, HUDSON, MA 01749-2977

Mortgage

Document Number	0000090930
Date	Jun 29, 2021
Instrument	90930

Lender

Name	AVIDIA BANK

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 101 S Main St was $5,332, up 14,711.1% from the year before.

Source: Worcester County and Gardner City assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Worcester County
Municipality	Gardner City
Unified School District	Gardner School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$5,332.00 (+14,711.11%)	$387,200 (+52.8%) Land $72,300 Building $314,900	$330,751 (+3.71%)
2025	$36.00 (-98.98%)	$253,400 (+7.92%) Land $65,700 Building $187,700	$318,915
2024	$3,520.00 (-8.14%)	$234,800 (-1.18%) Land $59,800 Building $175,000
2023	$3,832.00	$237,600 Land $58,900 Building $178,700

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 101 S Main St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective November 30, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 101 S Main St is low, with a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · above 57% of Massachusetts
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	GARDNER WATER DEPARTMENT serves 21,381 people · EPA ID MA2103000
Water Source	Surface water
Last State Inspection	Oct 2024
Lead	3 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Treatment failure resolved · Jan 2022
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 252 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on S Main St

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