Worcester County and Gardner City property record for 132 Ash St, Gardner, MA 01440
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,578 sqft · built 1948 |
| Lot Size | 0.22 acres (9,570 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $4,028 (2026) |
| Deeds & Mortgages | Aug 2023 Refinance |
| Flood Zone | Zone X (minimal risk) |
| APN | M:M-26 B:0015 L:0015 |
| Primary APN | M:M-26 B:0015 L:0015 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,578 sqft Living Area |
| Gross Area | 3,575 sqft |
| Basement Area | 867 sqft |
| Unfinished Basement | 867 sqft |
| Year Built | Built 1948 |
|---|---|
| Effective Year Built | Effective 1948 |
| Architectural Style | Cape Cod |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 9,570 sqft (0.22 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Street Address | 132 ASH ST |
|---|---|
| City | GARDNER |
| State | MA |
| Zip | 01440-2130 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Block | 18 |
| Legal Lot Number | 15 |
| Jurisdiction | GARDNER MA |
| Township / Civil Division | GARDNER |
| Census Block Group | 2 |
| Census Block | 2004 |
| Census Tract | 707400 |
132 Ash St is owned and occupied by two individuals who acquired it in December 2006.
Source: Worcester County and Gardner City records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 132 ASH ST, GARDNER, MA 01440-2130 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 14, 2006 |
| Deed Sale | Dec 14, 2006 |
| Deed Document Number | 2006113221 |
| Deed Book / Page | 6331 / 243 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARDNER MA |
| Property Address | 132 ASH ST, GARDNER, MA 01440-2130 |
| Transaction Type | Mortgage |
| Record Updated | Aug 25, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0069506-93 |
|---|---|
| Date | Aug 11, 2023 |
| Book Page | 69506/93 |
| Instrument | 66032 |
| Name | RCAP SOLUTIONS FINANCIAL SVCS CO |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 601 Months |
| Due | Sep 1, 2073 |
The 2026 property tax bill for 132 Ash St was $4,028, up 9,724.4% from the year before.
Source: Worcester County and Gardner City assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Worcester County |
| Municipality | Gardner City |
| Unified School District | Gardner School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $4,028.00 (+9,724.39%) | $292,500 (+1.56%) Land $75,100 Building $217,400 | $351,339 (+0.96%) |
| 2025 | $41.00 (-99.02%) | $288,000 (+3.34%) Land $68,300 Building $219,700 | $347,985 |
| 2024 | $4,178.00 (+7.88%) | $278,700 (+16.08%) Land $62,100 Building $216,600 | |
| 2023 | $3,873.00 | $240,100 Land $61,200 Building $178,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 132 Ash St in Zone X, an area of minimal flood risk.
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 risk around 132 Ash St 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 | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
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.
5G (outdoors only) and 4G LTE
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