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122 Main St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 122 Main St, Gardner, MA 01440

Property Summary

Property TypeExempt (Full or Partial)
Details4 bd · 4 ba · 2,125 sqft · built 1947
Lot Size0.098 acres (4,277 sqft)
OwnerCompany Name on Record
Last Sale$125,000 (Nov 2017)
Tax Bill$2,530 (2018)
Deeds & MortgagesNov 2017 Sale
Aug 2017 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APNM:O-23 B:0016 L:0038

Property Details

APN / Parcel Number

Primary APNM:O-23 B:0016 L:0038
Alternative APN
  • GARD M:M22 B:10 L:38

Interior

Bedrooms4 Beds
Full Baths4 Baths
Total Rooms10 Rooms
Units8 Units
Stories2 Stories
Building Area2,125 sqft Total Area

Exterior

Year BuiltBuilt 1947
Effective Year BuiltEffective 1947
Architectural StyleOther
Exterior MaterialAluminum/Vinyl
Roof TypeGable
Roof MaterialSlate
Lot Area4,277 sqft (0.098 acres)

Utilities, Heating & Cooling

Heating SystemHot Water
Heating FuelGas

Location & Zoning

Street Address122 MAIN ST
CityGARDNER
StateMA
Zip01440-2660
Property CategoryOther
Property TypeOther > Exempt (Full or Partial)
Local Zoning CodeC1
Legal Block10
Legal Lot Number38
JurisdictionGARDNER MA
Township / Civil DivisionGARDNER
Census Block Group3
Census Block3005
Census Tract707300

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 RecordCompany Name on Record
Mailing Address115 PLEASANT ST, GARDNER, MA 01440-2610
Owner TypeCompany

Deeds, Mortgages & Sale History

DateDocument
Nov 21, 2017Quit Claim Deed, Transfer
Aug 3, 2017Quit Claim Deed, Transfer · Commercial Mortgage
LOWELL FIVE CENTS SAVINGS BANK

Assessor's Deed Record

Deed NamesName on Deed
Last SaleNov 21, 2017 · Amount on Record
Deed SaleNov 21, 2017 · Amount on Record
Prior SaleAug 3, 2017 · Amount on Record
Deed Book / Page58077 / 6
Transfer Doc58077-6
Record UpdatedOct 29, 2026

November 2017: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionGARDNER MA
Recording DateNov 21, 2017
Property Address122 MAIN ST, GARDNER, MA 01440-2660
Document Number58077-6
Book / Page058077 / 000006
Instrument DateNov 9, 2017
Instrument714
Transaction TypeTransfer
Record UpdatedDec 12, 2017

Transaction

AmountAmount Recorded
Tax$570.00
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address115 PLEASANT ST GARDNER MA 014402610, GARDNER, MA 01440-2610

August 2017: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionGARDNER MA
Recording DateAug 3, 2017
Property Address122 MAIN ST, GARDNER, MA 01440-2660
Document Number57530-120
Book / Page57530 / 120
Instrument84180
Transaction TypeTransfer
Record UpdatedMay 12, 2021

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$25.56
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number575300123
DateAug 3, 2017
Instrument57530/0123
Lender
NameLOWELL FIVE CENTS SAVINGS BANK
TypeBank
Agreement
TypeCommercial Mortgage
AmountAmount Recorded

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateMassachusetts
CountyWorcester County
MunicipalityGardner City
Unified School DistrictGardner School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed Value
2026$70,900 (+9.92%) Land $70,900
2025$64,500 (+10.07%) Land $64,500
2024$58,600 (+1.38%) Land $58,600
2023$57,800 Land $57,800
2018$2,530.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective November 30, 2025

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot 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 RiskLow
lower than 80% of the US · above 57% of Massachusetts
Wildfire Likelihood0.01% annual chance
ExposureNone
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 SystemGARDNER WATER DEPARTMENT
serves 21,381 people · EPA ID MA2103000
Water SourceSurface water
Last State InspectionOct 2024
Lead3 ppb (2025)
action level 15 ppb

Violations Reported to EPA

Water QualityTreatment failure
resolved · Jan 2022
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 446 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Xfinity
Cable		2,000 / 2,000
Gateway Fiber
Fiber		2,000 / 2,000
Verizon
Fixed Wireless		300 / 20
T-Mobile
Fixed Wireless		100 / 20

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