164 Washington St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 164 Washington St, Gardner, MA 01440

Property Summary

Property Type	Duplex
Details	5 bd · 3 ba · 2,545 sqft · built 1910
Lot Size	0.096 acres (4,200 sqft)
Owner	Individual Name on Record
Last Sale	$450,000 (Dec 2021)
Tax Bill	$75 (2025)
Deeds & Mortgages	Sep 2022 Transfer Jul 2017 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`M:P-22 B:0019 L:0017`

Property Details

APN / Parcel Number

Primary APN	`M:P-22 B:0019 L:0017`
Alternative APN	`GARD M:R22 B:11 L:17`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Total Rooms	10 Rooms
Units	2 Units
Stories	2 Stories
Building Area	2,545 sqft Living Area
Gross Area	4,924 sqft

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Architectural Style	Duplex Single
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	4,200 sqft (0.096 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Street Address	164 WASHINGTON ST
City	GARDNER
State	MA
Zip	01440-2995
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Legal Block	11
Legal Lot Number	17
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	1
Census Block	1008
Census Tract	707200

Owner

Source: Worcester County and Gardner City records, as of April 14, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	18 WRENDALE CT, LEOMINSTER, MA 01453-3067
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 6, 2022	Quit Claim Deed, Transfer Quitclaim
Jul 28, 2017	Deed of Trust, Mortgage WEBSTER FIRST FCU
Dec 10, 2021	Quit Claim Deed, Transfer · FHA Mortgage ENVOY MORTGAGE LTD

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 10, 2021 · Amount on Record
Deed Sale	Dec 10, 2021 · Amount on Record
Prior Sale	May 31, 2017 · Amount on Record
Deed Document Number	2021173369
Deed Book / Page	66725 / 185
Last Transfer Date	Sep 6, 2022
Transfer Doc	068174-153
Record Updated	Oct 29, 2026

September 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Sep 6, 2022
Property Address	164 WASHINGTON ST, GARDNER, MA 01440-2995
Document Number	068174-153
Book / Page	68174 / 153
Instrument Date	Sep 6, 2022
Instrument	97900
Transaction Type	Transfer
Record Updated	Nov 15, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	164 WASHINGTON ST, GARDNER, MA 01440-2995
Transaction Type	Mortgage
Record Updated	Jun 24, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	057500-173
Date	Jul 28, 2017
Book Page	57500/173
Instrument	81688

Lender

Name	WEBSTER FIRST FCU
Type	Credit Union

Agreement

Amount	Amount Recorded

December 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Dec 10, 2021
Property Address	164 WASHINGTON ST, GARDNER, MA 01440-2995
Document Number	066725-185
Book / Page	66725 / 185
Instrument Date	Dec 10, 2021
Instrument	173369
Transaction Type	Transfer
Record Updated	Dec 24, 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	164 WASHINGTON ST, GARDNER, MA 01440-2995

Mortgage

Document Number	0000173370
Date	Dec 10, 2021
Instrument	173370

Lender

Name	ENVOY MORTGAGE LTD
Type	Mortgage Company

Agreement

Type	FHA 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
2025	$75.00 (-98.94%)	$525,200 (+11.55%) Land $64,400 Building $460,800
2024	$7,057.00 (+2.71%)	$470,800 (+10.52%) Land $58,500 Building $412,300
2023	$6,871.00	$426,000 Land $57,700 Building $368,300

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

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

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 388 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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