113 Ash St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 113 Ash St, Gardner, MA 01440

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,499 sqft · built 1900
Lot Size	0.562 acres (24,502 sqft)
Owner	2 Individual Names on Record
Last Sale	$249,900 (Apr 2020)
Tax Bill	$4,921 (2026)
Deeds & Mortgages	Jul 2018 Mortgage Apr 2020 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`GARD M:M27 B:18 L:4`

Property Details

APN / Parcel Number

Primary APN	`GARD M:M27 B:18 L:4`
Alternative APN	`M:M-26 B:0043 L:0004`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,499 sqft Living Area
Gross Area	4,662 sqft
Basement Area	1,088 sqft
Unfinished Basement	1,088 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	24,502 sqft (0.562 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	113 ASH ST
City	GARDNER
State	MA
Zip	01440-2126
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Block	18
Legal Lot Number	4
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	2
Census Block	2001
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	113 ASH ST, GARDNER, MA 01440-2126
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 25, 2018	Deed of Trust, Mortgage ENVOY MORTGAGE LTD
Apr 30, 2020	Quit Claim Deed, Transfer · Stand-Alone First Mortgage DIGITAL FCU
Nov 22, 2017	Quit Claim Deed, Transfer
Nov 22, 2017	Quit Claim Deed, Foreclosure
Mar 6, 2017	Foreclosure

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 30, 2020 · Amount on Record
Deed Sale	Apr 30, 2020 · Amount on Record
Prior Sale	Nov 22, 2017 · Amount on Record
Deed Document Number	202043387
Deed Book / Page	62306 / 165
Prior Transfer Date	Apr 22, 2020
Prior Transfer Doc	62306-165
Record Updated	Oct 29, 2026

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	113 ASH ST, GARDNER, MA 01440-2126
Transaction Type	Mortgage
Record Updated	Jun 24, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00059151-2
Date	Jul 25, 2018
Book Page	59151/2
Instrument	76041

Lender

Name	ENVOY MORTGAGE LTD
Type	Mortgage Company

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2048

April 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Apr 30, 2020
Property Address	113 ASH ST, GARDNER, MA 01440-2126
Document Number	62306-165
Book / Page	62306 / 165
Instrument Date	Apr 22, 2020
Instrument	43387
Transaction Type	Transfer
Record Updated	May 12, 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	113 ASH ST, GARDNER, MA 01440-2126

Mortgage

Document Number	43388
Date	Apr 30, 2020
Instrument	43388

Lender

Name	DIGITAL FCU
Type	Credit Union

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

November 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Nov 22, 2017
Property Address	113 ASH ST, GARDNER, MA 01440-2126
Document Number	58080-94
Book / Page	058080 / 000094
Instrument Date	Nov 14, 2017
Instrument	1
Transaction Type	Transfer
Record Updated	Dec 12, 2017

Transaction

Amount	Amount Recorded
Tax	$412.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	113 ASH ST GARDNER MA 014402126, GARDNER, MA 01440-2126

November 2017: Quit Claim Deed, Foreclosure

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Nov 22, 2017
Property Address	113 ASH ST, GARDNER, MA 01440-2126
Document Number	58080-91
Book / Page	058080 / 000091
Instrument Date	Nov 14, 2017
Transaction Type	Foreclosure
Record Updated	Dec 12, 2017

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	3560 PENTAGON BLVD #301 BEAVERCREEK OH 454311706, 301, BEAVERCREEK, OH 45431-1706

March 2017: Foreclosure

Document Type	Foreclosure
Jurisdiction	GARDNER MA
Recording Date	Mar 6, 2017
Property Address	113 ASH ST, GARDNER, MA 01440-2126
Document Number	56817-100
Book / Page	056817 / 000100
Instrument Date	Jan 24, 2017
Instrument	23116
Transaction Type	Foreclosure
Record Updated	Mar 28, 2017

Transaction

Amount	Amount Recorded
Tax	$742.89
Amount Accuracy	Confirmed
Additional	Lis Pendens

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	PO BOX 7704 TRENTON NJ 086280704, TRENTON, NJ 08628-0704

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	$4,921.00 (+10,370.21%)	$357,400 (+8.2%) Land $84,700 Building $272,700	$426,004 (+3.06%)
2025	$47.00 (-99.02%)	$330,300 (+3.03%) Land $77,000 Building $253,300	$413,345
2024	$4,806.00 (+2.08%)	$320,600 (+9.83%) Land $70,000 Building $250,600
2023	$4,708.00	$291,900 Land $69,000 Building $222,900

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

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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