Worcester County and Gardner City property record for 137 Mechanic St, Gardner, MA 01440
| Property Type | Duplex |
|---|---|
| Details | 4 bd · 2 ba · 1,864 sqft · built 1915 |
| Lot Size | 0.31 acres (13,504 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $135,000 (Jan 2018) |
| Tax Bill | $4,723 (2026) |
| Deeds & Mortgages | Dec 2019 Refinance Jan 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | GARD M:R17 B:1 L:3 |
| Primary APN | GARD M:R17 B:1 L:3 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 8 Rooms |
| Units | 2 Units |
| Stories | 2 Stories |
| Building Area | 1,864 sqft Living Area |
| Gross Area | 4,246 sqft |
| Basement Area | 932 sqft |
| Unfinished Basement | 932 sqft |
| Year Built | Built 1915 |
|---|---|
| Effective Year Built | Effective 1915 |
| Architectural Style | Duplex Single |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Slate |
| Lot Area | 13,504 sqft (0.31 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Street Address | 137 MECHANIC ST |
|---|---|
| City | GARDNER |
| State | MA |
| Zip | 01440-3123 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Local Zoning Code | R1 |
| Legal Block | 1 |
| Legal Lot Number | 3 |
| Jurisdiction | GARDNER MA |
| Township / Civil Division | GARDNER |
| Census Block Group | 2 |
| Census Block | 2014 |
| Census Tract | 707100 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 137 MECHANIC ST, GARDNER, MA 01440-3123 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 6, 2019 | Deed of Trust, Mortgage · Stand-Alone Refinance WORKERS CU |
| Jan 18, 2018 | Quit Claim Deed, Transfer · FHA Mortgage VILLAGE MORTGAGE CORPORATION |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 18, 2018 · Amount on Record |
| Deed Sale | Jan 18, 2018 · Amount on Record |
| Deed Book / Page | 58332 / 394 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARDNER MA |
| Property Address | 137 MECHANIC ST, GARDNER, MA 01440-3123 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 61542-164 |
|---|---|
| Date | Dec 6, 2019 |
| Book Page | 61542/164 |
| Instrument | 131923 |
| Name | WORKERS CU |
|---|---|
| Type | Credit Union |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Jan 1, 2040 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | GARDNER MA |
| Recording Date | Jan 18, 2018 |
| Property Address | 137 MECHANIC ST, GARDNER, MA 01440-3123 |
| Document Number | 58332-394 |
| Book / Page | 58332 / 394 |
| Instrument | 5638 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $25.80 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 137 MECHANIC ST, GARDNER, MA 01440-3123 |
| Document Number | 583330001 |
|---|---|
| Date | Jan 18, 2018 |
| Instrument | 58333/0001 |
| Name | VILLAGE MORTGAGE CORPORATION |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 18, 2048 |
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 | $4,723.00 (+11,707.5%) | $343,000 (+20.56%) Land $77,700 Building $265,300 | $364,818 |
| 2025 | $40.00 (-99.03%) | $284,500 (+3.27%) Land $70,600 Building $213,900 | |
| 2024 | $4,130.00 (+4.21%) | $275,500 (+12.13%) Land $64,300 Building $211,200 | |
| 2023 | $3,963.00 | $245,700 Land $63,400 Building $182,300 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 500 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.
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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures