Worcester County and Gardner City property record for 132 Mechanic St, Gardner, MA 01440
| Property Type | Duplex |
|---|---|
| Details | 4 bd · 2 ba · 1,872 sqft · built 1920 |
| Lot Size | 0.171 acres (7,430 sqft) |
| Owner | Company Name on File |
| Last Sale | $133,000 (Apr 2014) |
| Tax Bill | $4,693 (2026) |
| Deeds & Mortgages | Jan 2023 Mortgage Oct 2022 Transfer + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | GARD M:R17 B:1 L:2 |
| Primary APN | GARD M:R17 B:1 L:2 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 8 Rooms |
| Units | 2 Units |
| Stories | 2 Stories |
| Building Area | 1,872 sqft Living Area |
| Gross Area | 4,148 sqft |
| Basement Area | 936 sqft |
| Unfinished Basement | 936 sqft |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1920 |
| Architectural Style | Duplex Single |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 7,430 sqft (0.171 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Street Address | 132 MECHANIC ST |
|---|---|
| City | GARDNER |
| State | MA |
| Zip | 01440-3124 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Local Zoning Code | R1 |
| Legal Block | 1 |
| Legal Lot Number | 2 |
| Jurisdiction | GARDNER MA |
| Township / Civil Division | GARDNER |
| Census Block Group | 2 |
| Census Block | 2012 |
| Census Tract | 707100 |
132 Mechanic St, a duplex, is owned by a company that acquired it in October 2022.
Source: Worcester County and Gardner City records, as of October 20, 2026
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 86 OLDE TAVERN RD, LEOMINSTER, MA 01453-2067 |
| Owner Type | Company |
| Vesting | Company |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jan 4, 2023 | Deed of Trust, Mortgage · Commercial Mortgage TD BANK NA |
| Oct 27, 2022 | Quit Claim Deed, Transfer Quitclaim |
| May 23, 2017 | Deed of Trust, Mortgage MILLBURY NATIONAL BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 16, 2014 · Amount on File |
| Deed Sale | Apr 16, 2014 · Amount on File |
| Prior Sale | Jun 1, 2007 · Amount on File |
| Deed Document Number | 201431175 |
| Deed Book / Page | 52222 / 312 |
| Last Transfer Date | Oct 25, 2022 |
| Transfer Doc | 0068406-62 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARDNER MA |
| Property Address | 132 MECHANIC ST, GARDNER, MA 01440-3124 |
| Transaction Type | Mortgage |
| Record Updated | Jan 20, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0068681-42 |
|---|---|
| Date | Jan 4, 2023 |
| Book Page | 68681/42 |
| Instrument | 396 |
| Name | TD BANK NA |
|---|---|
| Type | Bank |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | GARDNER MA |
| Recording Date | Oct 27, 2022 |
| Property Address | 132 MECHANIC ST, GARDNER, MA 01440-3124 |
| Document Number | 0068406-62 |
| Book / Page | 68406 / 62 |
| Instrument Date | Oct 25, 2022 |
| Instrument | 116105 |
| Transaction Type | Transfer |
| Record Updated | Nov 11, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 86 OLDE TAVERN RD, LEOMINSTER, MA 01453-2067 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARDNER MA |
| Property Address | 132 MECHANIC ST, GARDNER, MA 01440-3124 |
| Transaction Type | Mortgage |
| Record Updated | Jun 22, 2021 |
| Name | Verified Name |
|---|
| Document Number | 57152-194 |
|---|---|
| Date | May 23, 2017 |
| Book Page | 57152/194 |
| Instrument | 52154 |
| Name | MILLBURY NATIONAL BANK |
|---|---|
| Type | Bank |
| Amount | Amount on Record |
|---|
The 2026 property tax bill for 132 Mechanic St was $4,693, up 11,632.5% 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 | $4,693.00 (+11,632.5%) | $340,800 (+20.59%) Land $73,700 Building $267,100 | $357,452 |
| 2025 | $40.00 (-99.02%) | $282,600 (+3.78%) Land $67,000 Building $215,600 | |
| 2024 | $4,082.00 (+4.24%) | $272,300 (+12.15%) Land $60,900 Building $211,400 | |
| 2023 | $3,916.00 | $242,800 Land $60,000 Building $182,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 132 Mechanic St in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 2 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 risk around 132 Mechanic 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 | None beyond ember reach |
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 178 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 2,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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