170 S Main St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 170 S Main St, Gardner, MA 01440

Property Summary

Property Type	Duplex
Details	6 bd · 2 ba · 3,324 sqft · built 1897
Lot Size	0.25 acres (10,890 sqft)
Owner	Individual Name on File
Last Sale	$180,000 (Jan 2015)
Tax Bill	$5,410 (2026)
Deeds & Mortgages	Apr 2022 Refinance Dec 2020 Refinance
Flood Zone	Zone X (minimal risk)
APN	`M:R-17 B:0013 L:0024`

Property Details

APN / Parcel Number

Primary APN	`M:R-17 B:0013 L:0024`
Alternative APN	`GARD M:R17 B:13 L:24`

Interior

Bedrooms	6 Beds
Full Baths	2 Baths
Total Rooms	11 Rooms
Units	2 Units
Stories	2 Stories
Building Area	3,324 sqft Living Area
Gross Area	5,914 sqft
Basement Area	1,176 sqft
Unfinished Basement	1,176 sqft

Exterior

Year Built	Built 1897
Effective Year Built	Effective 1897
Architectural Style	Duplex Single
Exterior Material	Aluminum/Vinyl
Roof Type	Flat
Roof Material	Rolled Roofing
Lot Area	10,890 sqft (0.25 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Street Address	170 S MAIN ST
City	GARDNER
State	MA
Zip	01440-3326
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	R1
Legal Block	13
Legal Lot Number	24
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	2
Census Block	2037
Census Tract	707100

Owner

170 S Main St, a duplex, is owned and occupied by an individual who acquired it in December 2020.

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

Owner of Record	Individual Name on File
Mailing Address	170 S MAIN ST, GARDNER, MA 01440-3326
Occupancy	Owner Occupied
Owner Type	Individual

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
Apr 27, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance DIGITAL FCU
Dec 14, 2020	Quit Claim Deed, Transfer · Stand-Alone Refinance DIGITAL FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 15, 2015 · Amount on File
Deed Sale	Jan 15, 2015 · Amount on File
Prior Sale	Jan 15, 2013 · Amount on File
Deed Book / Page	53271 / 173
Last Transfer Date	Dec 8, 2020
Transfer Doc	063978-272
Record Updated	Oct 29, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	170 S MAIN ST, GARDNER, MA 01440-3326
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	067499-136
Date	Apr 27, 2022
Book Page	67499/136
Instrument	45951

Lender

Name	DIGITAL FCU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	481 Months
Due	May 1, 2062

December 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Dec 14, 2020
Property Address	170 S MAIN ST, GARDNER, MA 01440-3326
Document Number	63978-272
Book / Page	63978 / 272
Instrument Date	Dec 8, 2020
Instrument	155202
Transaction Type	Transfer
Record Updated	May 12, 2021

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	Tenants by the Entirety
Address	170 S MAIN ST, GARDNER, MA 01440-3326

Mortgage

Document Number	063978-275
Date	Dec 14, 2020
Book Page	63978/275
Instrument	155203

Lender

Name	DIGITAL FCU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	193 Months
Due	Jan 1, 2037

Tax Assessment & Valuation

The 2026 property tax bill for 170 S Main St was $5,410, up 9,918.5% 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	$5,410.00 (+9,918.52%)	$392,900 (+3.53%) Land $76,000 Building $316,900	$443,748
2025	$54.00 (-98.91%)	$379,500 (+14.83%) Land $69,000 Building $310,500
2024	$4,954.00 (-2.54%)	$330,500 (+4.89%) Land $62,800 Building $267,700
2023	$5,083.00	$315,100 Land $61,900 Building $253,200

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

Flood

FEMA maps place 170 S Main St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 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

Wildfire risk around 170 S Main 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 252 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000

May also be available: Verizon.

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