115 Maple St, #117, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 115 Maple St, #117, Gardner, MA 01440

Property Summary

Property Type	Apartments (5+ Units)
Details	8 bd · 4 ba · 4,536 sqft · built 1900
Lot Size	0.117 acres (5,087 sqft)
Owner	2 Individual Names on File
Last Sale	$640,000 (Oct 2024)
Tax Bill	$6,973 (2025)
Deeds & Mortgages	Feb 2024 Refinance Jun 2023 Sale
Flood Zone	Zone X (minimal risk)
APN	`GARD M:R22 B:1 L:10`

Property Details

APN / Parcel Number

Primary APN	`GARD M:R22 B:1 L:10`

Interior

Bedrooms	8 Beds
Full Baths	4 Baths
Total Rooms	20 Rooms
Units	4 Units
Stories	2 Stories
Building Area	4,536 sqft Living Area
Gross Area	7,712 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	5,087 sqft (0.117 acres)

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Oil

Location & Zoning

Street Address	115 MAPLE ST, 117
City	GARDNER
State	MA
Zip	01440-2295
Property Category	Residential
Property Type	Residential > Multi-Unit > Apartments (5+ Units)
Legal Block	1
Legal Lot Number	10
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	2
Census Block	2004
Census Tract	707200

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Individually Listed	Heywood-Wakefield Company Complex listed 1983 · 5 contributing resources · NRIS 83000610

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

115 Maple St, #117 is owned and occupied by two individuals who bought it in October 2024.

Source: Worcester County and Gardner City records, as of April 14, 2026

Owner of Record	2 Individual Names on File
Mailing Address	115 MAPLE ST, 117, GARDNER, MA 01440-2295
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants with Right of Survivorship

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Feb 21, 2024	Deed of Trust, Mortgage · Stand-Alone Refinance JMAC LENDING INC
Jun 13, 2023	Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 9, 2024 · Amount on File
Deed Sale	Oct 9, 2024 · Amount on File
Prior Sale	Jun 13, 2023 · Amount on File
Record Updated	Jun 8, 2026

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	115-117 MAPLE ST, GARDNER, MA 01440
Transaction Type	Mortgage
Record Updated	Mar 8, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00070215-1
Date	Feb 21, 2024
Book Page	70215/1
Instrument	12851

Lender

Name	JMAC LENDING INC

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2054

June 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	GARDNER MA
Recording Date	Jun 13, 2023
Property Address	115-117 MAPLE ST, GARDNER, MA 01440
Document Number	069249-148
Book / Page	69249 / 148
Instrument Date	Jun 13, 2023
Instrument	46078
Transaction Type	Transfer
Record Updated	Jul 3, 2023

Transaction

Amount	Amount 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	406 STONE ST, GARDNER, MA 01440-1150

Tax Assessment & Valuation

The 2025 property tax bill for 115 Maple St, #117 was $6,973, up 13.8% from the year before.

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
2025	$6,973.00 (+13.79%)	$485,600 (+18.79%) Land $65,700 Building $419,900	$593,180
2024	$6,128.00 (+0.99%)	$408,800 (+8.67%) Land $59,700 Building $349,100
2023	$6,068.00	$376,200 Land $58,800 Building $317,400

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 115 Maple St, #117 in Zone X, an area of minimal flood risk.

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 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

Wildfire risk around 115 Maple St, #117 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.

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 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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