182 S Main St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 182 S Main St, Gardner, MA 01440

Property Summary

Property Type	Triplex
Details	6 bd · 3 ba · 3,018 sqft · built 1880
Lot Size	0.282 acres (12,303 sqft)
Owner	2 Individual Names on Record
Last Sale	$307,000 (Oct 2022)
Tax Bill	$5,380 (2026)
Deeds & Mortgages	Oct 2022 Sale & Mortgage Apr 2021 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`M:R-17 B:0014 L:0025`

Property Details

APN / Parcel Number

Primary APN	`M:R-17 B:0014 L:0025`
Alternative APN	`GARD M:R17 B:13 L:25`

Interior

Bedrooms	6 Beds
Full Baths	3 Baths
Total Rooms	12 Rooms
Units	3 Units
Stories	3 Stories
Building Area	3,018 sqft Living Area
Gross Area	5,148 sqft
Basement Area	1,386 sqft
Unfinished Basement	1,386 sqft

Exterior

Year Built	Built 1880
Effective Year Built	Effective 1880
Architectural Style	Other
Exterior Material	Other
Roof Type	Gable
Roof Material	Asphalt
Lot Area	12,303 sqft (0.282 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	182 S MAIN ST
City	GARDNER
State	MA
Zip	01440-3460
Property Category	Residential
Property Type	Residential > Multi-Unit > Triplex
Local Zoning Code	R1
Legal Block	13
Legal Lot Number	25
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	2
Census Block	2037
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 Individual Names on Record
Mailing Address	31 MILL ST, PEPPERELL, MA 01463-1591
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 17, 2022	Quit Claim Deed, Transfer · Stand-Alone First Mortgage UNITED WHOLESALE MORTGAGE
Apr 1, 2021	Quit Claim Deed, Transfer · Commercial Mortgage COREVEST AMERICAN FINANCE
Apr 1, 2021	Quit Claim Deed, Transfer Quitclaim
Jul 19, 2017	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 17, 2022 · Amount on Record
Deed Sale	Oct 17, 2022 · Amount on Record
Prior Sale	Apr 1, 2021 · Amount on Record
Deed Book / Page	68360 / 261
Prior Transfer Date	Oct 14, 2022
Prior Transfer Doc	068360-261
Record Updated	Oct 29, 2026

October 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Oct 17, 2022
Property Address	182 S MAIN ST, GARDNER, MA 01440-3460
Document Number	068360-261
Book / Page	68360 / 261
Instrument Date	Oct 14, 2022
Instrument	112559
Transaction Type	Transfer
Record Updated	Nov 20, 2025

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
Relationship	Joint Venture
Address	31 MILL ST, PEPPERELL, MA 01463-1591

Mortgage

Document Number	0000112560
Date	Oct 17, 2022
Instrument	112560

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

April 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Apr 1, 2021
Property Address	182 S MAIN ST, GARDNER, MA 01440-3460
Document Number	064834-359
Book / Page	64834 / 359
Instrument Date	Mar 31, 2021
Instrument	44996
Transaction Type	Transfer
Record Updated	Jul 11, 2023

Transaction

Amount	Amount Recorded
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	242 RANDALL RD, BERLIN, MA 01503-1009

Mortgage

Document Number	0000044997
Date	Apr 1, 2021
Instrument	44997

Lender

Name	COREVEST AMERICAN FINANCE

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

April 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Apr 1, 2021
Property Address	182 S MAIN ST, GARDNER, MA 01440-3460
Document Number	64834-355
Book / Page	64834 / 355
Instrument Date	Feb 27, 2021
Instrument	44995
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	182 S MAIN ST, GARDNER, MA 01440-3460

July 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Jul 19, 2017
Property Address	182 S MAIN ST, GARDNER, MA 01440-3460
Document Number	57439-148
Book / Page	057439 / 000148
Instrument Date	Jul 17, 2017
Instrument	76473
Transaction Type	Transfer
Record Updated	Aug 8, 2017

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	182 S MAIN ST GARDNER MA 014403326, GARDNER, MA 01440-3326

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	$5,380.00 (+10,66%)	$390,700 (+11.56%) Land $76,900 Building $313,800
2025	$50.00 (-98.79%)	$350,200 (+26.65%) Land $69,900 Building $280,300
2024	$4,145.00 (+2.35%)	$276,500 (+10.12%) Land $63,600 Building $212,900
2023	$4,050.00	$251,100 Land $62,700 Building $188,400

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
Nearest Special Flood Hazard Area	Zone AE, 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	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 252 locations within half a mile, as of December 31, 2025

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

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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