168 Pine St, #172, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 168 Pine St, #172, Gardner, MA 01440

Property Summary

Property Type	Apartments (5+ Units)
Details	8 bd · 4 ba · 4,077 sqft · built 1910
Lot Size	0.311 acres (13,526 sqft)
Owner	Company Name on File
Last Sale	$283,000 (Apr 2021)
Tax Bill	$63 (2025)
Deeds & Mortgages	Feb 2022 Transfer Apr 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`GARD M:R22 B:6 L:20`

Property Details

APN / Parcel Number

Primary APN	`GARD M:R22 B:6 L:20`
Alternative APN	`M:P-23 B:0006 L:0020`

Interior

Bedrooms	8 Beds
Full Baths	4 Baths
Total Rooms	19 Rooms
Units	4 Units
Stories	2 Stories
Building Area	4,077 sqft Living Area
Gross Area	7,428 sqft

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	13,526 sqft (0.311 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	168 PINE ST, 172
City	GARDNER
State	MA
Zip	01440-2778
Property Category	Residential
Property Type	Residential > Multi-Unit > Apartments (5+ Units)
Legal Block	6
Legal Lot Number	20
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	1
Census Block	1010
Census Tract	707200

Owner

168 Pine St, #172 is owned by a company that acquired it in February 2022.

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	Company Name on File
Mailing Address	98 PLEASANT ST, 1, LEOMINSTER, MA 01453-3546
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Feb 14, 2022	Quit Claim Deed, Transfer Quitclaim
Apr 9, 2021	Quit Claim Deed, Transfer · Stand-Alone First Mortgage AVIDIA BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 9, 2021 · Amount on File
Deed Sale	Apr 9, 2021 · Amount on File
Prior Sale	Nov 19, 1985 · Amount on File
Last Transfer Date	Feb 7, 2022
Transfer Doc	067109-162
Record Updated	Oct 29, 2026

February 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Feb 14, 2022
Property Address	168-172 PINE ST, GARDNER, MA 01440
Document Number	067109-162
Book / Page	67109 / 162
Instrument Date	Feb 7, 2022
Instrument	17263
Transaction Type	Transfer
Record Updated	Mar 4, 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
Address	90 CHERRY ST, HUDSON, MA 01749-2977

April 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Apr 9, 2021
Property Address	168-172 PINE ST, GARDNER, MA 01440
Document Number	64896-329
Book / Page	64896 / 329
Instrument Date	Apr 9, 2021
Instrument	49111
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount on Record
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	90 CHERRY ST, HUDSON, MA 01749-2977

Mortgage

Document Number	49112
Date	Apr 9, 2021
Instrument	49112

Lender

Name	AVIDIA BANK

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 168 Pine St, #172 was $63, down 98.9% from the year before.

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	Assessed Market Value
2025	$63.00 (-98.88%)	$444,400 (+18.51%) Land $70,700 Building $373,700	$382,660
2024	$5,621.00 (+0.75%)	$375,000 (+8.41%) Land $64,300 Building $310,700
2023	$5,579.00	$345,900 Land $63,400 Building $282,500

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

Flood

FEMA maps place 168 Pine St, #172 in Zone X, an area of minimal flood risk.

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

Wildfire risk around 168 Pine St, #172 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.

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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