180 Oak St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 180 Oak St, Gardner, MA 01440

Property Summary

Property Type	Single Family Home
Details	5 bd · 1 ba · 2,477 sqft · built 1900
Lot Size	0.273 acres (11,880 sqft)
Owner	Trust Name on File
Last Sale	$145,000 (Apr 2020)
Tax Bill	$4,179 (2026)
Deeds & Mortgages	Sep 2023 Transfer Apr 2020 Sale
Flood Zone	Zone X (minimal risk)
APN	`M:O-26 B:0021 L:0048`

Property Details

APN / Parcel Number

Primary APN	`M:O-26 B:0021 L:0048`
Alternative APN	`GARD M:M27 B:20 L:48`

Interior

Bedrooms	5 Beds
Full Baths	1 Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,477 sqft Living Area
Gross Area	4,552 sqft
Basement Area	1,083 sqft
Unfinished Basement	1,083 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Conventional
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Slate
Lot Area	11,880 sqft (0.273 acres)

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Oil

Location & Zoning

Street Address	180 OAK ST
City	GARDNER
State	MA
Zip	01440-3820
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Block	20
Legal Lot Number	48
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	2
Census Block	2007
Census Tract	707400

Owner

180 Oak St is owner-occupied and held in a trust since August 2023.

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

Owner of Record	Trust Name on File
Mailing Address	180 OAK ST, GARDNER, MA 01440-3820
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

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
Sep 11, 2023	Quit Claim Deed, Transfer Quitclaim
Apr 23, 2020	Quit Claim Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 23, 2020 · Amount on File
Deed Sale	Apr 23, 2020 · Amount on File
Prior Sale	May 12, 1987 · Amount on File
Deed Document Number	202040590
Deed Book / Page	62260 / 172
Last Transfer Date	Aug 4, 2023
Transfer Doc	069625-260
Record Updated	Oct 29, 2026

September 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Sep 11, 2023
Property Address	180 OAK ST, GARDNER, MA 01440-3820
Document Number	069625-260
Book / Page	69625 / 260
Instrument Date	Aug 4, 2023
Instrument	75249
Transaction Type	Transfer
Record Updated	Sep 29, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	180 OAK ST, GARDNER, MA 01440-3820

April 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Apr 23, 2020
Property Address	180 OAK ST, GARDNER, MA 01440-3820
Document Number	62260-172
Book / Page	062260 / 000172
Instrument Date	Apr 21, 2020
Instrument	40590
Transaction Type	Transfer
Record Updated	May 12, 2020
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Tax	$661.00
Amount Accuracy	Confirmed
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	180 OAK ST GARDNER MA 014403820, GARDNER, MA 01440-3820

Tax Assessment & Valuation

The 2026 property tax bill for 180 Oak St was $4,179, up 10,347.5% 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	$4,179.00 (+10,347.5%)	$303,500 (+8.39%) Land $76,700 Building $226,800	$365,562 (+27.29%)
2025	$40.00 (-99.03%)	$280,000 (+2.3%) Land $69,600 Building $210,400	$287,185
2024	$4,103.00 (+2.06%)	$273,700 (+9.83%) Land $63,400 Building $210,300
2023	$4,020.00	$249,200 Land $62,500 Building $186,700

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

Flood

FEMA maps place 180 Oak 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 180 Oak 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	None beyond ember reach

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.

Nearby Properties on Oak St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures