Worcester County and Gardner City property record for 102 Washington St, Gardner, MA 01440
| Property Type | Duplex |
|---|---|
| Details | 4 bd · 2 ba · 2,176 sqft · built 1890 |
| Lot Size | 0.162 acres (7,048 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $4,446 (2026) |
| Deeds & Mortgages | Aug 2026 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | GARD M:R22 B:11 L:9 |
| Primary APN | GARD M:R22 B:11 L:9 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 10 Rooms |
| Units | 2 Units |
| Stories | 2 Stories |
| Building Area | 2,176 sqft Living Area |
| Gross Area | 5,106 sqft |
| Basement Area | 1,154 sqft |
| Unfinished Basement | 1,154 sqft |
| Year Built | Built 1890 |
|---|---|
| Effective Year Built | Effective 1890 |
| Architectural Style | Duplex Single |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 7,048 sqft (0.162 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Street Address | 102 WASHINGTON ST |
|---|---|
| City | GARDNER |
| State | MA |
| Zip | 01440-2734 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Local Zoning Code | R3 |
| Legal Block | 11 |
| Legal Lot Number | 9 |
| Jurisdiction | GARDNER MA |
| Township / Civil Division | GARDNER |
| Census Block Group | 1 |
| Census Block | 1008 |
| Census Tract | 707200 |
102 Washington St, a duplex, is owned by an individual.
Source: Worcester County and Gardner City records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 15 OREILLY LN, KITTERY, ME 03904-5443 |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARDNER MA |
| Recording Date | Aug 4, 2026 |
| Property Address | 102 WASHINGTON ST, GARDNER, MA 01440-2734 |
| Document Number | 0000066855 |
| Book / Page | 73983 / 135 |
| Instrument Date | Aug 3, 2026 |
| Instrument | 202666855 |
| Transaction Type | Mortgage |
| Record Updated | Sep 9, 2026 |
| Name | Verified Name |
|---|---|
| Address | 102 WASHINGTON ST, GARDNER, MA 01440-2734 |
| Document Number | 0000066855, |
|---|---|
| Date | Aug 4, 2026 |
| Book Page | 73983/135 |
| Instrument | 202666855 |
| Name | BLUE WATER MORTGAGE |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 1, 2056 |
| Max Rate | -1% |
|---|
The 2026 property tax bill for 102 Washington St was $4,446, up 11,015% from the year before.
Source: Worcester County and Gardner City assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Worcester County |
| Municipality | Gardner City |
| Unified School District | Gardner School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $4,446.00 (+11,015%) | $322,900 (+13.62%) Land $73,500 Building $249,400 | $389,259 |
| 2025 | $40.00 (-98.98%) | $284,200 (+8.23%) Land $66,800 Building $217,400 | |
| 2024 | $3,936.00 (+1.39%) | $262,600 (+9.1%) Land $60,700 Building $201,900 | |
| 2023 | $3,882.00 | $240,700 Land $59,800 Building $180,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 102 Washington St in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective November 30, 2025
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 102 Washington 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 | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 388 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 2,000 |
| Gateway Fiber Fiber | 2,000 / 2,000 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: Verizon.
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