144 Central St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 144 Central St, Gardner, MA 01440

Property Summary

Property Type	Office Building
Details	2 ba · 4,894 sqft · built 1900
Lot Size	0.146 acres (6,352 sqft)
Owner	Company Name on Record
Last Sale	$255,000 (Jan 2019)
Tax Bill	$4,112 (2026)
Deeds & Mortgages	Jan 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`GARD M:R27 B:21 L:9`

Property Details

APN / Parcel Number

Primary APN	`GARD M:R27 B:21 L:9`
Alternative APN	`M:P-25 B:0007 L:0009`

Interior

Full Baths	2 Baths
Units	12 Units
Stories	2 Stories
Building Area	4,894 sqft Total Area
Gross Area	10,009 sqft
Basement Area	2,412 sqft
Unfinished Basement	2,412 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	High Rise
Exterior Material	Brick
Construction Type	Masonry / Concrete Block
Roof Type	Gable
Roof Material	Slate
Lot Area	6,352 sqft (0.146 acres)

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Oil

Location & Zoning

Street Address	144 CENTRAL ST
City	GARDNER
State	MA
Zip	01440-1633
Property Category	Commercial
Property Type	Commercial > Office > Office Building
Local Zoning Code	R3
Legal Block	21
Legal Lot Number	9
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	2
Census Block	2001
Census Tract	707200

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	144 CENTRAL ST, 202, GARDNER, MA 01440-1633
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 31, 2019 · Amount on Record
Deed Sale	Jan 31, 2019 · Amount on Record
Prior Sale	Apr 10, 2001 · Amount on Record
Deed Document Number	20199697
Deed Book / Page	60000 / 204
Prior Transfer Date	Jan 29, 2019
Prior Transfer Doc	0000009697
Record Updated	Oct 29, 2026

January 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Jan 31, 2019
Property Address	144 CENTRAL ST, GARDNER, MA 01440-1633
Document Number	60000-204
Book / Page	60000 / 204
Instrument Date	Jan 29, 2019
Instrument	9697
Transaction Type	Transfer
Record Updated	May 12, 2021

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	144 CENTRAL ST # STE20, STE20, GARDNER, MA 01440-1633

Mortgage

Document Number	9698
Date	Jan 31, 2019
Instrument	9698

Lender

Name	FIDELITY COOPERATIVE BANK
Type	Bank

Agreement

Type	Stand-Alone First 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
2026	$4,112.00 (+9,690.48%)	$298,600 (+0.34%) Land $50,700 Building $247,900
2025	$42.00 (-99.09%)	$297,600 (-3.6%) Land $49,700 Building $247,900
2024	$4,627.00	$308,700 Land $47,300 Building $261,400

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 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

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.

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 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.

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