109 Main St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 109 Main St, Gardner, MA 01440

Property Summary

Property Type	Retail Stores (Personal Services, Photography, Travel)
Details	2 ba · 3,570 sqft · built 1935
Lot Size	0.18 acres (7,841 sqft)
Owner	Company Name on Record
Last Sale	$90,000 (Dec 2021)
Tax Bill	$5,054 (2026)
Deeds & Mortgages	Dec 2021 Sale
Flood Zone	Zone X (minimal risk)
APN	`M:O-23 B:0095 L:0028`

Property Details

APN / Parcel Number

Primary APN	`M:O-23 B:0095 L:0028`
Alternative APN	`GARD M:M22 B:10 L:28`

Interior

Full Baths	2 Baths
Stories	2 Stories
Building Area	3,570 sqft Total Area
Gross Area	3,586 sqft

Exterior

Year Built	Built 1935
Effective Year Built	Effective 1935
Exterior Material	Stone
Construction Type	Masonry / Concrete Block
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,841 sqft (0.18 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Street Address	109 MAIN ST
City	GARDNER
State	MA
Zip	01440-2673
Property Category	Commercial
Property Type	Commercial > Retail > Retail Stores (Personal Services, Photography, Travel)
Local Zoning Code	C1
Legal Block	10
Legal Lot Number	28
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	3
Census Block	3006
Census Tract	707300

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

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 30, 2021 · Amount on Record
Deed Sale	Dec 30, 2021 · Amount on Record
Deed Document Number	2021182901
Prior Transfer Date	Dec 28, 2021
Prior Transfer Doc	066858-168
Record Updated	Oct 29, 2026

December 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Dec 30, 2021
Property Address	109 MAIN ST, BALDWINVILLE, MA 01436-1129
Document Number	066858-168
Book / Page	66858 / 168
Instrument Date	Dec 28, 2021
Instrument	182901
Transaction Type	Transfer
Record Updated	Jul 31, 2023

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	90 CHERRY ST, HUDSON, MA 01749-2977
Investor	Possibly a Property Investor

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
2026	$5,054.00 (-3.24%)	$367,000 (+0.91%) Land $96,300 Building $270,700
2025	$5,223.00 (+94.89%)	$363,700 (+103.41%) Land $94,400 Building $269,300
2024	$2,680.00 (+9.25%)	$178,800 (+17.55%) Land $89,900 Building $88,900
2023	$2,453.00	$152,100 Land $85,500 Building $66,600

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

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

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.

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 446 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
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20