173 Minott St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 173 Minott St, Gardner, MA 01440

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,478 sqft · built 1951
Lot Size	0.289 acres (12,610 sqft)
Owner	Individual Name on Record
Tax Bill	$4,164 (2026)
Deeds & Mortgages	Feb 2020 Mortgage Mar 2020 Transfer
Flood Zone	Zone X (minimal risk)
APN	`GARD M:W07 B:3 L:1`

Property Details

APN / Parcel Number

Primary APN	`GARD M:W07 B:3 L:1`
Alternative APN	`M:W-09 B:0015 L:0001`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	2 Stories
Building Area	1,478 sqft Living Area
Gross Area	3,140 sqft
Basement Area	896 sqft
Unfinished Basement	896 sqft

Exterior

Year Built	Built 1951
Effective Year Built	Effective 1951
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	12,610 sqft (0.289 acres)

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Oil

Location & Zoning

Street Address	173 MINOTT ST
City	GARDNER
State	MA
Zip	01440-3623
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Block	3
Legal Lot Number	1
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	2
Census Block	2047
Census Tract	707100

Owner

Source: Worcester County and Gardner City records, as of October 20, 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 Record
Mailing Address	173 MINOTT ST, GARDNER, MA 01440-3623
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Life Estate

Deeds, Mortgages & Sale History

Date	Document
Feb 10, 2020	Deed of Trust, Mortgage · Balloon Mortgage TD BANK NA
Mar 16, 2020	Quit Claim Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Mar 11, 2020
Transfer Doc	62045-192
Record Updated	Oct 29, 2026

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	173 MINOTT ST, GARDNER, MA 01440-3623
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	61868-378
Date	Feb 10, 2020
Book Page	61868/378
Instrument	13761

Lender

Name	TD BANK NA
Type	Bank

Agreement

Type	Balloon Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2050

March 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Mar 16, 2020
Property Address	173 MINOTT ST, GARDNER, MA 01440-3623
Document Number	62045-192
Book / Page	062045 / 000192
Instrument Date	Mar 11, 2020
Instrument	27099
Transaction Type	Transfer
Record Updated	Mar 31, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	173 MINOTT ST GARDNER MA 014403623, GARDNER, MA 01440-3623

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	Assessed Market Value
2026	$4,164.00 (+10,056.1%)	$302,400 (+4.2%) Land $77,100 Building $225,300	$341,462 (-13.31%)
2025	$41.00 (-99.02%)	$290,200 (+4.5%) Land $70,100 Building $220,100	$393,870
2024	$4,163.00 (+5.53%)	$277,700 (+13.53%) Land $63,800 Building $213,900
2023	$3,945.00	$244,600 Land $62,900 Building $181,700

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

Flood

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 A, 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

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 66 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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