112 Ash St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 112 Ash St, Gardner, MA 01440

Property Summary

Property Type	Triplex
Details	5 bd · 3 ba · 1,656 sqft · built 1900
Lot Size	0.125 acres (5,445 sqft)
Owner	Individual Name on Record
Last Sale	$430,000 (May 2026)
Tax Bill	$5,325 (2026)
Deeds & Mortgages	May 2026 Sale & Mortgage Jun 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`M:M-26 B:0013 L:0013`

Property Details

APN / Parcel Number

Primary APN	`M:M-26 B:0013 L:0013`
Alternative APN	`GARD M:M27 B:18 L:50`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Total Rooms	11 Rooms
Units	3 Units
Stories	2 Stories
Building Area	1,656 sqft Living Area
Gross Area	3,576 sqft
Basement Area	842 sqft
Unfinished Basement	842 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	5,445 sqft (0.125 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	112 ASH ST
City	GARDNER
State	MA
Zip	01440-2159
Property Category	Residential
Property Type	Residential > Multi-Unit > Triplex
Local Zoning Code	R1
Legal Block	18
Legal Lot Number	50
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	2
Census Block	2004
Census Tract	707400

Owner

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	Individual Name on Record
Mailing Address	112 ASH ST, GARDNER, MA 01440-2159
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Individual(s)

Deeds, Mortgages & Sale History

Date	Document
May 28, 2026	Quit Claim Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
Jun 1, 2021	Quit Claim Deed, Transfer · Commercial Mortgage LOWELL FIVE CENTS SAVINGS BANK
Aug 17, 2020	Quit Claim Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 28, 2026 · Amount on Record
Deed Sale	May 28, 2026 · Amount on Record
Prior Sale	Jun 1, 2021 · Amount on Record
Deed Document Number	202642313
Deed Book / Page	73635 / 150
Record Updated	Oct 29, 2026

May 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	May 28, 2026
Property Address	112 ASH ST, GARDNER, MA 01440-2159
Document Number	073635-150
Book / Page	73635 / 150
Instrument Date	May 28, 2026
Instrument	202642313
Transaction Type	Transfer
Record Updated	Jun 17, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
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	112 ASH ST, GARDNER, MA 01440-2159
Investor	Possibly a Property Investor

Mortgage

Date	May 28, 2026

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate	6.3%
Max Rate	-1%

June 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Jun 1, 2021
Property Address	112 ASH ST, GARDNER, MA 01440-2159
Document Number	65293-7
Book / Page	65293 / 7
Instrument Date	Jun 1, 2021
Instrument	75692
Transaction Type	Transfer
Record Updated	Jun 18, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
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	137 INTERVALE ST APT 3, 3, DORCHESTER, MA 02121-2166

Mortgage

Document Number	75693
Date	Jun 1, 2021
Instrument	75693

Lender

Name	LOWELL FIVE CENTS SAVINGS BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

August 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Aug 17, 2020
Property Address	112 ASH ST, GARDNER, MA 01440-2159
Document Number	63040-390
Book / Page	063040 / 000390
Instrument Date	Aug 17, 2020
Instrument	92031
Transaction Type	Transfer
Record Updated	Sep 8, 2020
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Tax	$399.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	77 HICKORY RD LEOMINSTER MA 014534615, LEOMINSTER, MA 01453-4615

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	$5,325.00 (+11,229.79%)	$386,700 (+15.88%) Land $72,400 Building $314,300
2025	$47.00 (-98.78%)	$333,700 (+29.44%) Land $65,900 Building $267,800
2024	$3,864.00 (+6.24%)	$257,800 (+14.32%) Land $59,900 Building $197,900
2023	$3,637.00	$225,500 Land $59,000 Building $166,500

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	Direct burnable vegetation

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 519 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.

Cell Coverage

5G (outdoors only) and 4G LTE

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