181 Park St, Gardner, MA 01440 Property Records

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

Property Summary

Property Type	Triplex
Details	7 bd · 3 ba · 2,192 sqft · built 1920
Lot Size	0.404 acres (17,600 sqft)
Owner	2 Individual Names on Record
Last Sale	$530,000 (Sep 2026)
Tax Bill	$6,758 (2026)
Deeds & Mortgages	Sep 2026 Sale & Mortgage Mar 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`GARD M:M27 B:15 L:4`

Property Details

APN / Parcel Number

Primary APN	`GARD M:M27 B:15 L:4`
Alternative APN	`M:O-27 B:0088 L:0004`

Interior

Bedrooms	7 Beds
Full Baths	3 Baths
Total Rooms	12 Rooms
Units	3 Units
Stories	2 Stories
Building Area	2,192 sqft Living Area
Gross Area	5,821 sqft
Basement Area	1,608 sqft
Unfinished Basement	1,608 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	17,600 sqft (0.404 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Street Address	181 PARK ST
City	GARDNER
State	MA
Zip	01440-1664
Property Category	Residential
Property Type	Residential > Multi-Unit > Triplex
Local Zoning Code	R1
Legal Subdivision	MICHAEL S SZOC
Legal Block	15
Legal Lot Number	4
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	1
Census Block	1032
Census Tract	707400

Owner

Source: Worcester County and Gardner City records, as of October 21, 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	19 LITTLE BEAR HILL RD, WESTFORD, MA 01886-3938
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Sep 30, 2026	Quit Claim Deed, Transfer · Conventional Mortgage JPMORGAN CHASE BANK
Mar 1, 2021	Quit Claim Deed, Transfer · Stand-Alone First Mortgage EQUITY PRIME MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 30, 2026 · Amount on Record
Deed Sale	Sep 30, 2026 · Amount on Record
Prior Sale	Mar 1, 2021 · Amount on Record
Deed Document Number	202685955
Deed Book / Page	74241 / 333
Prior Transfer Date	Sep 25, 2026
Prior Transfer Doc	0000085955
Record Updated	Oct 29, 2026

September 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Sep 30, 2026
Property Address	181 PARK ST, GARDNER, MA 01440-1664
Document Number	0000085955
Book / Page	74241 / 333
Instrument Date	Sep 25, 2026
Instrument	202685955
Transaction Type	Transfer
Record Updated	Oct 21, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	19 LITTLE BEAR HILL RD, WESTFORD, MA 01886-3938

Mortgage

Date	Sep 30, 2026

Lender

Name	JPMORGAN CHASE BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Max Rate	-1%

March 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Mar 1, 2021
Property Address	181 PARK ST, GARDNER, MA 01440-1664
Document Number	64586-94
Book / Page	64586 / 94
Instrument Date	Mar 1, 2021
Instrument	29014
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount Recorded
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	18 NORTH ST, HAVERHILL, MA 01830-4931

Mortgage

Document Number	29015
Date	Mar 1, 2021
Instrument	29015

Lender

Name	EQUITY PRIME MTG

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

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
2026	$6,758.00 (+10,626.98%)	$490,800 (+10.47%) Land $80,400 Building $410,400
2025	$63.00 (-98.78%)	$444,300 (+29.34%) Land $73,100 Building $371,200
2024	$5,149.00 (+2.77%)	$343,500 (+10.59%) Land $66,500 Building $277,000
2023	$5,010.00	$310,600 Land $65,600 Building $245,000

Assessed value is set for property tax purposes and is not a market price estimate.

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force
Nearby Flood Claims	1 (2016)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Feb 2016 · rainfall accumulation

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	Indirect within ember reach
Adjoins Burnable Land	Yes

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 272 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

May also be available: Verizon.

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