175 Ash St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 175 Ash St, Gardner, MA 01440

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,504 sqft · built 2004
Lot Size	1.2 acres (52,272 sqft)
Owner	Individual Name on File
Last Sale	$278,900 (Apr 2019)
Tax Bill	$6,264 (2026)
Deeds & Mortgages	Dec 2021 Refinance Jun 2020 Refinance + 3 more
Flood Zone	Zone X (minimal risk)
APN	`M:M-27 B:0006A L:0007A`

Property Details

APN / Parcel Number

Primary APN	`M:M-27 B:0006A L:0007A`
Alternative APN	`GARD M:M27 B:13 L:7A`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,504 sqft Living Area
Gross Area	2,742 sqft
Basement Area	672 sqft
Unfinished Basement	672 sqft

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	52,272 sqft (1.2 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	175 ASH ST
City	GARDNER
State	MA
Zip	01440-1925
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Subdivision	BETRAN J DAIGLE
Legal Block	13
Legal Lot Number	7A
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	2
Census Block	2001
Census Tract	707400

Owner

175 Ash St is owned and occupied by an individual who bought it in April 2019.

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

Owner of Record	Individual Name on File
Mailing Address	175 ASH ST, GARDNER, MA 01440-1925
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
Dec 23, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance SALEM FIVE CENTS SAVINGS BANK
Jun 29, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance SALEM FIVE MORTGAGE CORP
Apr 12, 2019	Quit Claim Deed, Transfer · Stand-Alone First Mortgage SALEM FIVE MORTGAGE CORP
Oct 20, 2018	Deed of Trust, Mortgage · Line of Credit LEOMINSTER CU
Jun 26, 2017	Quit Claim Deed, Transfer · FHA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 12, 2019 · Amount on File
Deed Sale	Apr 12, 2019 · Amount on File
Prior Sale	Jun 26, 2017 · Amount on File
Deed Book / Page	60270 / 11
Record Updated	Oct 29, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	175 ASH ST, GARDNER, MA 01440-1925
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	066815-171
Date	Dec 23, 2021
Book Page	66815/171
Instrument	179499

Lender

Name	SALEM FIVE CENTS SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	175 ASH ST, GARDNER, MA 01440-1925
Transaction Type	Mortgage
Record Updated	Mar 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	62692-260
Date	Jun 29, 2020
Book Page	62692/260
Instrument	68941

Lender

Name	SALEM FIVE MORTGAGE CORP
Type	Mortgage Company

Agreement

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

April 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Apr 12, 2019
Property Address	175 ASH ST, GARDNER, MA 01440-1925
Document Number	60270-11
Book / Page	60270 / 11
Instrument Date	Apr 12, 2019
Instrument	32430
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	175 ASH ST, GARDNER, MA 01440-1925

Mortgage

Document Number	32431
Date	Apr 12, 2019
Instrument	32431

Lender

Name	SALEM FIVE MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	175 ASH ST, GARDNER, MA 01440-1925
Document Number	59591-121
Instrument Date	Oct 20, 2018
Transaction Type	Mortgage
Record Updated	Nov 21, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	175 ASH ST GARDNER MA 014401925, GARDNER, MA 01440-1925

Mortgage

Document Number	59591-121
Date	Oct 25, 2018
Book Page	059591/000121
Instrument	113078

Lender

Name	LEOMINSTER CU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Oct 24, 2038

Interest

Rate Type	Adjustable Rate

June 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Jun 26, 2017
Property Address	175 ASH ST, GARDNER, MA 01440-1925
Document Number	57320-48
Book / Page	57320 / 48
Instrument	66573
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	$45.26
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	175 ASH ST, GARDNER, MA 01440-1925

Mortgage

Document Number	573200051
Date	Jun 26, 2017
Instrument	57320/0051

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 26, 2047

Tax Assessment & Valuation

The 2026 property tax bill for 175 Ash St was $6,264, up 10,889.5% 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	$6,264.00 (+10,889.47%)	$454,900 (+13.95%) Land $94,100 Building $360,800	$460,461 (+13.01%)
2025	$57.00 (-99.02%)	$399,200 (+2.52%) Land $85,500 Building $313,700	$407,455
2024	$5,837.00 (+5.9%)	$389,400 (+13.96%) Land $77,900 Building $311,500
2023	$5,512.00	$341,700 Land $76,800 Building $264,900

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

Flood

FEMA maps place 175 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 175 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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