176 Union St, Gardner, MA 01440 Property Records

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

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,658 sqft · built 1890
Lot Size	1.39 acres (60,871 sqft)
Owner	Individual Name on File
Last Sale	$72,000 (Oct 2016)
Tax Bill	$4,547 (2026)
Deeds & Mortgages	May 2023 Refinance May 2021 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`GARD M:R12 B:7 L:22`

Property Details

APN / Parcel Number

Primary APN	`GARD M:R12 B:7 L:22`
Alternative APN	`M:R-13 B:0016 L:0001`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,658 sqft Living Area
Gross Area	2,978 sqft
Basement Area	746 sqft
Unfinished Basement	746 sqft

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1890
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	60,871 sqft (1.39 acres)

Utilities, Heating & Cooling

Heating Fuel	Wood

Location & Zoning

Street Address	176 UNION ST
City	GARDNER
State	MA
Zip	01440-3424
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Block	7
Legal Lot Number	22
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	1
Census Block	1022
Census Tract	707100

Owner

176 Union St is owned and occupied by an individual who bought it in October 2016.

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

Owner of Record	Individual Name on File
Mailing Address	176 UNION ST, GARDNER, MA 01440-3424
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
May 30, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance LEOMINSTER CU
May 18, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance LEOMINSTER CU
Feb 14, 2018	Quit Claim Deed, Transfer · Conventional Mortgage LEOMINSTER CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 12, 2016 · Amount on File
Deed Sale	Oct 12, 2016 · Amount on File
Prior Sale	Mar 31, 2016 · Amount on File
Deed Document Number	2016116190
Deed Book / Page	56118 / 357
Transfer Doc	58436-62
Record Updated	Oct 29, 2026

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	176 UNION ST, GARDNER, MA 01440-3424
Transaction Type	Mortgage
Record Updated	Jun 16, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	069186-367
Date	May 30, 2023
Book Page	69186/367
Instrument	41257

Lender

Name	LEOMINSTER CU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	241 Months
Due	Jun 1, 2043

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	176 UNION ST, GARDNER, MA 01440-3424
Transaction Type	Mortgage
Record Updated	Jun 24, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	065191-343
Date	May 18, 2021
Book Page	65191/343
Instrument	68581

Lender

Name	LEOMINSTER CU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	181 Months
Due	Jun 1, 2036

February 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Feb 14, 2018
Property Address	176 UNION ST, GARDNER, MA 01440-3424
Document Number	58436-62
Book / Page	058436 / 000062
Instrument Date	Jan 29, 2018
Instrument	14703
Transaction Type	Transfer
Record Updated	Mar 8, 2018

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	176 UNION ST GARDNER MA 014403424, GARDNER, MA 01440-3424

Mortgage

Document Number	58436-66
Date	Feb 14, 2018
Book Page	058436/000066
Instrument	14704

Lender

Name	LEOMINSTER CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Feb 13, 2033

Interest

Rate Type	Adjustable Rate
Rate	3.63%

Tax Assessment & Valuation

The 2026 property tax bill for 176 Union St was $4,547, up 10,474.4% 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	$4,547.00 (+10,474.42%)	$330,200 (+8.44%) Land $96,100 Building $234,100	$362,457 (-1.67%)
2025	$43.00 (-99%)	$304,500 (+6.02%) Land $87,100 Building $217,400	$368,600
2024	$4,305.00 (+2.45%)	$287,200 (+10.25%) Land $79,300 Building $207,900
2023	$4,202.00	$260,500 Land $78,100 Building $182,400

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

Flood

FEMA maps place 176 Union St in Zone X, an area of minimal flood risk.

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

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

Cell Coverage

5G (outdoors only) and 4G LTE

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