117 Central St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 117 Central St, Gardner, MA 01440

Property Summary

Property Type	Mixed Use Commercial Office / Residential
Details	4 bd · 4 ba · 5,869 sqft · built 1880
Lot Size	0.48 acres (20,908 sqft)
Owner	Company Name on Record
Last Sale	$490,000 (Oct 2022)
Tax Bill	$3,384 (2026)
Deeds & Mortgages	Oct 2022 Sale & Mortgage Jul 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`GARD M:R27 B:16 L:8`

Property Details

APN / Parcel Number

Primary APN	`GARD M:R27 B:16 L:8`
Alternative APN	`M:P-26 B:0026 L:0008`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Total Rooms	16 Rooms
Units	6 Units
Stories	2 Stories
Building Area	5,869 sqft Total Area
Gross Area	9,136 sqft
Basement Area	1,870 sqft
Unfinished Basement	1,870 sqft

Exterior

Year Built	Built 1880
Effective Year Built	Effective 1880
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Slate
Lot Area	20,908 sqft (0.48 acres)

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Oil

Location & Zoning

Street Address	117 CENTRAL ST
City	GARDNER
State	MA
Zip	01440-1661
Property Category	Commercial
Property Type	Commercial > Office > Mixed Use Commercial Office / Residential
Local Zoning Code	R1
Legal Block	16
Legal Lot Number	8
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	1
Census Block	1018
Census Tract	707500

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	32 LONDON ST, 34, LOWELL, MA 01852-4523
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Oct 7, 2022	Quit Claim Deed, Transfer · Stand-Alone First Mortgage UNITED WHOLESALE MORTGAGE
Jul 26, 2017	Deed of Trust, Mortgage · Conventional Mortgage CITIZENS BK/MA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 7, 2022 · Amount on Record
Deed Sale	Oct 7, 2022 · Amount on Record
Prior Sale	Sep 22, 2003 · Amount on Record
Deed Book / Page	68328 / 93
Last Transfer Date	Apr 4, 2025
Transfer Doc	071967-282
Record Updated	Oct 29, 2026

October 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Oct 7, 2022
Property Address	117 CENTRAL ST, GARDNER, MA 01440-1661
Document Number	0068328-93
Book / Page	68328 / 93
Instrument Date	Oct 7, 2022
Instrument	110035
Transaction Type	Transfer
Record Updated	Nov 20, 2025

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	117 CENTRAL ST, GARDNER, MA 01440-1661

Mortgage

Document Number	0000110036
Date	Oct 7, 2022
Instrument	110036

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	117 CENTRAL ST, GARDNER, MA 01440-1661
Document Number	57480-189
Book / Page	057480 / 000189
Instrument Date	Jul 26, 2017
Transaction Type	Mortgage
Record Updated	Aug 15, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Corporate Trust

Mortgage

Document Number	57480-189
Date	Jul 26, 2017
Book Page	057480/000189
Instrument	80113

Lender

Name	CITIZENS BK/MA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

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	$3,384.00 (-51.89%)	$245,750 (-49.83%) Land $43,450 Building $202,300	$564,189 (-4.31%)
2025	$7,034.00 (-5.8%)	$489,800 (-1.67%) Land $85,200 Building $404,600	$589,570
2024	$7,467.00 (+5.69%)	$498,100 (+13.72%) Land $81,100 Building $417,000
2023	$7,065.00	$438,000 Land $55,100 Building $382,900

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 93% of the US · lower than 83% of Massachusetts
Wildfire Likelihood	Under 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 114 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20

May also be available: Gateway Fiber, T-Mobile.

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