173 Pine St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 173 Pine St, Gardner, MA 01440 · Last verified April 2026

Property Highlights

Property Type	Residential > Multi-Unit > Duplex
Bedrooms	4 Beds
Bathrooms	2 Baths
Year Built	Built 1910
Square Footage	1,787 sqft Living Area
Lot Size	8,167 sqft (0.187 acres)
Occupancy	Owner Occupied
Last Sale	$26,110 (1998)
Tax Bill	$39.00 (2025)

Owner

Source: Worcester County and Gardner City records · APN GARD M:R22 B:6 L:7

Assessment roll updated April 14, 2026 · Last verified April 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on File
Mailing Address	173 PINE ST, GARDNER, MA 01440-2777
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jun 12, 1998 · Amount on Record
Deed Sale	Jun 12, 1998 · Amount on Record
Prior Sale	Sep 03, 1997 · Amount on Record
Deed Book / Page	20057 / 117
Record Refreshed	Jun 08, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	173 PINE ST, GARDNER, MA 01440-2777
Transaction Type	Mortgage
Record Updated	Jun 04, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	65199-81
Date	May 19, 2021
Book Page	65199/81
Instrument	69133

Lender

Name	ROLLSTONE BANK & TRUST

Agreement

Type	Stand Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Jun 01, 2051

Tax Assessment & Valuation

Source: Worcester County and Gardner City records · Assessment roll updated April 14, 2026 · Last verified April 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

Assessed value is set for property tax purposes and is not a market price estimate.

Year	Tax Bill	Assessed Value
2025	$39.00 (-99.02%)	$272,700 (+2.6%) Land $67,400 Building $205,300
2024	$3,984.00 (+5.09%)	$265,800 (+13.11%) Land $61,300 Building $204,500
2023	$3,791.00	$235,000 Land $60,400 Building $174,600

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Worcester County (25027C), updated November 30, 2025 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified: October 2026

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

Values are read at the parcel center point; lenders make the official flood determination.

Property Details

APN / Parcel Number

Primary APN	`GARD M:R22 B:6 L:7`
Alternative APN	`M:P-23 B:0060 L:0007`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Units	2 Units
Building Area	1,787 sqft Living Area
Gross Area	3,336 sqft Gross Area
Stories	2 Stories

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Architectural Style	Duplex Single Style
Exterior Material	Aluminum/Vinyl Exterior
Roof Construction	Gable Roof Construction
Roof Material	Asphalt Roof
Lot Area	8,167 sqft (0.187 acres)

Utilities and HVAC

Heating System	Steam Heating
Heating Fuel	Oil Heating Fuel

Location & Zoning

Street Address	173 PINE ST
City	GARDNER
State	MA
Zip	01440-2777
Property Usage	Residential Property Usage
Type	Residential > Multi-Unit > Duplex
Legal Block	6
Legal Lot Number	7
Jurisdiction	GARDNER MA
Minor Civil Division	GARDNER
Census Blockgroup	3
Census Block	3005
Census Tract	707300