169 Ash St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 169 Ash St, Gardner, MA 01440

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,332 sqft · built 1980
Lot Size	0.966 acres (42,094 sqft)
Owner	2 Individual Names on File
Last Sale	$274,000 (Oct 2018)
Tax Bill	$6,165 (2026)
Deeds & Mortgages	Oct 2020 Refinance Oct 2018 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`GARD M:M27 B:13 L:8`

Property Details

APN / Parcel Number

Primary APN	`GARD M:M27 B:13 L:8`
Alternative APN	`M:M-27 B:0037A L:0008`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	9 Rooms
Stories	1 Story
Building Area	1,332 sqft Living Area
Gross Area	3,104 sqft
Basement Area	1,248 sqft
Unfinished Basement	1,248 sqft

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Architectural Style	Raised Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	42,094 sqft (0.966 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	169 ASH ST
City	GARDNER
State	MA
Zip	01440-1925
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Block	13
Legal Lot Number	8
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	2
Census Block	2001
Census Tract	707400

Owner

169 Ash St is owned and occupied by two individuals who bought it in October 2018.

Source: Worcester County and Gardner City records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	169 ASH ST, GARDNER, MA 01440-1925
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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

Deeds, Mortgages & Sale History

Date	Document
Oct 1, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance HOME POINT FINANCIAL CORPORATION
Oct 24, 2018	Quit Claim Deed, Transfer · FHA Mortgage VILLAGE MORTGAGE CORPORATION
Jul 14, 2017	Quit Claim Deed, Transfer HOMEBRIDGE FINANCIAL

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 24, 2018 · Amount on File
Deed Sale	Oct 24, 2018 · Amount on File
Prior Sale	Jul 14, 2017 · Amount on File
Deed Book / Page	59585 / 27
Transfer Doc	0059585-27
Record Updated	Oct 29, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	169 ASH ST, GARDNER, MA 01440-1925
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	63402-8
Date	Oct 1, 2020
Book Page	63402/8
Instrument	115896

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Government Agency

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2050

October 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Oct 24, 2018
Property Address	169 ASH ST, GARDNER, MA 01440-1925
Document Number	59585-27
Book / Page	59585 / 27
Instrument	112541
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	$46.82
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	595850032
Date	Oct 24, 2018
Instrument	59585/0032

Lender

Name	VILLAGE MORTGAGE CORPORATION
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 24, 2048

July 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Jul 14, 2017
Property Address	169 ASH ST, GARDNER, MA 01440-1925
Document Number	57419-380
Book / Page	57419 / 380
Instrument	74817
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	$40.04
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	169 ASH ST, GARDNER, MA 01440-1925

Mortgage

Document Number	574190385
Date	Jul 14, 2017
Instrument	57419/0385

Lender

Name	HOMEBRIDGE FINANCIAL

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jul 14, 2047

Tax Assessment & Valuation

The 2026 property tax bill for 169 Ash St was $6,165, up 10,175% 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
2026	$6,165.00 (+10,175%)	$447,700 (+7.05%) Land $92,900 Building $354,800	$406,207 (+4.42%)
2025	$60.00 (-98.98%)	$418,200 (+6.49%) Land $84,500 Building $333,700	$389,025
2024	$5,887.00 (+2.96%)	$392,700 (+10.78%) Land $76,900 Building $315,800
2023	$5,718.00	$354,500 Land $75,800 Building $278,700

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

Flood

FEMA maps place 169 Ash St 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 169 Ash St 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	Direct burnable vegetation

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.

Cell Coverage

5G (outdoors only) and 4G LTE

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