176 Ash St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 176 Ash St, Gardner, MA 01440

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 984 sqft · built 1960
Lot Size	0.25 acres (10,890 sqft)
Owner	2 Individual Names on Record
Last Sale	$50,000 (Dec 1983)
Tax Bill	$4,380 (2026)
Deeds & Mortgages	Apr 2021 Refinance Jan 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`M:M-27 B:0021 L:0014`

Property Details

APN / Parcel Number

Primary APN	`M:M-27 B:0021 L:0014`
Alternative APN	`GARD M:M27 B:13 L:14`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	984 sqft Living Area
Gross Area	1,908 sqft
Basement Area	864 sqft
Unfinished Basement	864 sqft

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,890 sqft (0.25 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	176 ASH ST
City	GARDNER
State	MA
Zip	01440-1926
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Subdivision	SMYRNA BANCROFT
Legal Block	13
Legal Lot Number	14
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	2
Census Block	2004
Census Tract	707400

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	2 Individual Names on Record
Mailing Address	176 ASH ST, GARDNER, MA 01440-1926
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 14, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance FREEDOM MORTGAGE CORP
Jan 30, 2019	Deed of Trust, Mortgage · VA Mortgage MERIDIAN HOME MORTGAGE CORP
Dec 2, 2019	Deed of Trust, Mortgage · VA Mortgage BAYSHORE MORTGAGE FUNDING

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 29, 1983 · Amount on Record
Deed Sale	Dec 29, 1983 · Amount on Record
Deed Book / Page	8038 / 399
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	176 ASH ST, GARDNER, MA 01440-1926
Transaction Type	Mortgage
Record Updated	Apr 30, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	64931-78
Date	Apr 14, 2021
Book Page	64931/78
Instrument	51312

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2051

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	176 ASH ST, GARDNER, MA 01440-1926
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	59990-115
Date	Jan 30, 2019
Book Page	59990/115
Instrument	8823

Lender

Name	MERIDIAN HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Feb 1, 2039

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	176 ASH ST, GARDNER, MA 01440-1926
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	61514-355
Date	Dec 2, 2019
Book Page	61514/355
Instrument	129781

Lender

Name	BAYSHORE MORTGAGE FUNDING

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2050

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	$4,380.00 (+10,086.05%)	$318,100 (+4.81%) Land $76,000 Building $242,100	$362,035 (+13.76%)
2025	$43.00 (-98.98%)	$303,500 (+8.2%) Land $69,000 Building $234,500	$318,250
2024	$4,205.00 (+8.07%)	$280,500 (+16.29%) Land $62,800 Building $217,700
2023	$3,891.00	$241,200 Land $61,900 Building $179,300

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

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

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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