181 High St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 181 High St, Gardner, MA 01440

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,096 sqft · built 1920
Lot Size	0.4 acres (17,425 sqft)
Owner	2 Company Names on Record
Last Sale	$150,000 (Dec 2013)
Tax Bill	$4,839 (2026)
Deeds & Mortgages	Sep 2020 Refinance
Flood Zone	Zone X (minimal risk)
APN	`M:U-11 B:0051 L:0011`

Property Details

APN / Parcel Number

Primary APN	`M:U-11 B:0051 L:0011`
Alternative APN	`GARD M:R12 B:15 L:11`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,096 sqft Living Area
Gross Area	2,032 sqft
Basement Area	600 sqft
Unfinished Basement	600 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	17,425 sqft (0.4 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	181 HIGH ST
City	GARDNER
State	MA
Zip	01440-3631
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Subdivision	LAND ROBERT T DUNCAN ET UX GAR
Legal Block	15
Legal Lot Number	11
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	2
Census Block	2050
Census Tract	707100

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 Company Names on Record
Mailing Address	181 HIGH ST, GARDNER, MA 01440-3631
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Trust

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 4, 2013 · Amount on Record
Deed Sale	Dec 4, 2013 · Amount on Record
Prior Sale	Dec 4, 2013 · Amount on Record
Deed Book / Page	51815 / 221
Last Transfer Date	Sep 10, 2024
Transfer Doc	071006-368
Record Updated	Oct 29, 2026

September 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Sep 21, 2020
Property Address	181 HIGH ST, GARDNER, MA 01440-3631
Document Number	63298-146
Book / Page	63298 / 146
Instrument Date	Sep 15, 2020
Instrument	109029
Transaction Type	Transfer
Record Updated	May 12, 2021

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
Relationship	Tenants by the Entirety
Address	HIGH ST, GARDNER, MA

Mortgage

Document Number	63298-149
Date	Sep 21, 2020
Book Page	63298/149
Instrument	109030

Lender

Name	WEBSTER FIVE CENTS SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Oct 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	$4,839.00 (+10,419.57%)	$351,400 (+8.22%) Land $80,300 Building $271,100	$342,664 (+18.57%)
2025	$46.00 (-99%)	$324,700 (+5.63%) Land $73,000 Building $251,700	$288,990
2024	$4,608.00 (+3.18%)	$307,400 (+11.01%) Land $66,400 Building $241,000
2023	$4,466.00	$276,900 Land $65,500 Building $211,400

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
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

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 237 locations within half a mile, as of December 31, 2025

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

May also be available: Verizon.

Cell Coverage

5G and 4G LTE (outdoors only)

Nearby Properties on High St

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