162 Smith St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 162 Smith St, Gardner, MA 01440 · Last verified April 2026

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,544 sqft · built 1940
Lot Size	2 acres (87,120 sqft)
Owner	Individual Name on File
Last Sale	$267,000 (Oct 2005)
Tax Bill	$45 (2025)
Deeds & Mortgages	Jun 2021 Refinance
Flood Zone	Zone X (minimal risk)
APN	`GARD M:W27 B:8 L:4`

Property Details

APN / Parcel Number

Primary APN	`GARD M:W27 B:8 L:4`
Alternative APN	`M:W-28 B:0011 L:0004`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,544 sqft Living Area
Gross Area	2,948 sqft

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	87,120 sqft (2 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	162 SMITH ST
City	GARDNER
State	MA
Zip	01440-2436
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	8
Legal Lot Number	4
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	2
Census Block	2008
Census Tract	707500

Owner

Source: Worcester County and Gardner City records · APN GARD M:W27 B:8 L:4

Assessment roll updated April 14, 2026 · Last verified April 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 File
Mailing Address	162 SMITH ST, GARDNER, MA 01440-2436
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Oct 05, 2005 · Amount on Record
Deed Sale	Oct 05, 2005 · Amount on Record
Prior Sale	Jun 30, 1998 · Amount on Record
Deed Document Number	2005169275
Deed Book / Page	37495 / 198
Record Updated	Jun 08, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	162 SMITH ST, GARDNER, MA 01440-2436
Transaction Type	Mortgage
Record Updated	Jan 17, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	065422-346
Date	Jun 18, 2021
Book Page	65422/346
Instrument	84969

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	Jul 01, 2036

Tax Assessment & Valuation

Source: Worcester County and Gardner City records · Assessment roll updated April 14, 2026 · Last verified April 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

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$45.00 (-99.02%)	$316,700 (+3.6%) Land $89,600 Building $227,100	$392,065
2024	$4,582.00 (+7.08%)	$305,700 (+15.23%) Land $82,000 Building $223,700
2023	$4,279.00	$265,300 Land $79,900 Building $185,400

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Worcester County (25027C), updated November 30, 2025 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No

Wildfire

Wildfire Risk	Low above 20% of the US · above 58% of Massachusetts
Wildfire Likelihood	About 1 in 10,000 per year
Exposure	Direct burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.