110 S Main St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 110 S Main St, Gardner, MA 01440

Property Summary

Property Type	Charitable / Fraternal Organization
Details	2 ba · 5,920 sqft · built 1925
Lot Size	0.422 acres (18,370 sqft)
Owner	Company Name on Record
Last Sale	$305,000 (Nov 2020)
Tax Bill	$4,657 (2026)
Deeds & Mortgages	Mar 2023 Transfer Jun 2021 Refinance + 2 more
Flood Zone	Zone X (minimal risk)
APN	`M:S-16 B:0008 L:0026`

Property Details

APN / Parcel Number

Primary APN	`M:S-16 B:0008 L:0026`
Alternative APN	`GARD M:R17 B:18 L:26`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	5,920 sqft Total Area
Gross Area	7,672 sqft
Basement Area	500 sqft
Unfinished Basement	500 sqft

Exterior

Year Built	Built 1925
Effective Year Built	Effective 1925
Exterior Material	Brick
Construction Type	Masonry / Concrete Block
Roof Type	Flat
Roof Material	Other
Lot Area	18,370 sqft (0.422 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Street Address	110 S MAIN ST
City	GARDNER
State	MA
Zip	01440-3324
Property Category	Commercial
Property Type	Commercial > Retail > Charitable / Fraternal Organization
Local Zoning Code	I1
Legal Block	18
Legal Lot Number	26
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	2
Census Block	2040
Census Tract	707100

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	227 LUNENBURG ST, FITCHBURG, MA 01420-4564
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Mar 28, 2023	Quit Claim Deed, Transfer Quitclaim
Jun 11, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance RICHARD STRAIGHT
Nov 4, 2020	Quit Claim Deed, Transfer NOT AVAILABLE
Apr 1, 2020	Quit Claim Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 4, 2020 · Amount on Record
Deed Sale	Nov 4, 2020 · Amount on Record
Prior Sale	Apr 1, 2020 · Amount on Record
Deed Document Number	2020133525
Deed Book / Page	63668 / 277
Last Transfer Date	Mar 16, 2023
Transfer Doc	068960-198
Record Updated	Oct 29, 2026

March 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Mar 28, 2023
Property Address	110 S MAIN ST, GARDNER, MA 01440-3324
Document Number	068960-198
Book / Page	68960 / 198
Instrument Date	Mar 16, 2023
Instrument	23792
Transaction Type	Transfer
Record Updated	Apr 14, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	227 LUNENBURG ST, FITCHBURG, MA 01420-4564

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	110 S MAIN ST, GARDNER, MA 01440-3324
Transaction Type	Mortgage
Record Updated	Jan 17, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	065364-272
Date	Jun 11, 2021
Book Page	65364/272
Instrument	80927

Lender

Name	RICHARD STRAIGHT

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded

November 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Nov 4, 2020
Property Address	110 S MAIN ST, GARDNER, MA 01440-3324
Document Number	63668-277
Book / Page	063668 / 000277
Instrument Date	Oct 27, 2020
Instrument	133525
Transaction Type	Transfer
Record Updated	Nov 24, 2020
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Tax	$1,391.00
Amount Accuracy	Confirmed
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	227 LUNENBURG ST FITCHBURG MA 014204564, FITCHBURG, MA 01420-4564

April 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Apr 1, 2020
Property Address	110 S MAIN ST, GARDNER, MA 01440-3324
Document Number	62139-1
Book / Page	062139 / 000001
Instrument Date	Mar 31, 2020
Instrument	33231
Transaction Type	Transfer
Record Updated	Apr 21, 2020
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Tax	$775.00
Amount Accuracy	Confirmed
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	216 E EMERSON RD LEXINGTON MA 024202134, LEXINGTON, MA 02420-2134

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	$4,657.00 (+9,602.08%)	$338,200 (+0.45%) Land $81,700 Building $256,500
2025	$48.00 (-99.02%)	$336,700 (+2.68%) Land $80,200 Building $256,500
2024	$4,915.00 (-3.23%)	$327,900 (+4.13%) Land $76,400 Building $251,500
2023	$5,079.00	$314,900 Land $53,800 Building $261,100

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 · 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

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

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures