1017 West St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 1017 West St, Gardner, MA 01440

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,296 sqft · built 1980
Lot Size	0.7 acres (30,510 sqft)
Owner	2 Individual Names on Record
Last Sale	$151,000 (Nov 2015)
Tax Bill	$4,614 (2026)
Deeds & Mortgages	Aug 2021 Refinance Aug 2021 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`GARD M:C32 B:9 L:12`

Property Details

APN / Parcel Number

Primary APN	`GARD M:C32 B:9 L:12`
Alternative APN	`M:C-32 B:0060A L:0012`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,296 sqft Living Area
Gross Area	2,256 sqft
Basement Area	960 sqft
Unfinished Basement	960 sqft

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	30,510 sqft (0.7 acres)

Utilities, Heating & Cooling

Heating System	Baseboard
Heating Fuel	Electric

Location & Zoning

Street Address	1017 WEST ST
City	GARDNER
State	MA
Zip	01440-1521
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Subdivision	PREPARED PANDISCIO CONST CO IN
Legal Block	9
Legal Lot Number	12
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	1
Census Block	1008
Census Tract	707400

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	1017 WEST ST, GARDNER, MA 01440-1521
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 18, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance BANK OF ENGLAND
Aug 18, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance BANK OF ENGLAND
Nov 30, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance BANK OF ENGLAND

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 25, 2015 · Amount on Record
Deed Sale	Nov 25, 2015 · Amount on Record
Prior Sale	Feb 26, 2010 · Amount on Record
Deed Book / Page	54624 / 41
Transfer Doc	0054624-41
Record Updated	Oct 29, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	1017 WEST ST, GARDNER, MA 01440-1521
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	065863-349
Date	Aug 18, 2021
Book Page	65863/349
Instrument	115964

Lender

Name	BANK OF ENGLAND

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2051

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	1017 WEST ST, GARDNER, MA 01440-1521
Transaction Type	Mortgage
Record Updated	Sep 3, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	65863-349
Date	Aug 18, 2021
Book Page	65863/349
Instrument	115964

Lender

Name	BANK OF ENGLAND

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2051

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	1017 WEST ST, GARDNER, MA 01440-1521
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	63850-108
Date	Nov 30, 2020
Book Page	63850/108
Instrument	146222

Lender

Name	BANK OF ENGLAND

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2050

Tax Assessment & Valuation

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	$4,614.00 (+10,153.33%)	$335,100 (+5.11%) Land $88,700 Building $246,400	$389,536 (+49.92%)
2025	$45.00 (-99%)	$318,800 (+5.91%) Land $80,600 Building $238,200	$259,825
2024	$4,512.00	$301,000 Land $73,400 Building $227,600

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

Flood

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 A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force
Nearby Flood Claims	1 (2016)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Feb 2016 · rainfall accumulation

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

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	Direct burnable vegetation

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

Internet Providers

Source: FCC Broadband Data Collection, based on 29 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35

Cell Coverage

5G (outdoors only) and 4G LTE

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