186 Summer St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 186 Summer St, Gardner, MA 01440

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,847 sqft · built 1880
Lot Size	0.276 acres (12,020 sqft)
Owner	Individual Name on Record
Last Sale	$335,000 (Aug 2026)
Tax Bill	$4,384 (2026)
Deeds & Mortgages	Aug 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`M:S-17 B:0013 L:0022`

Property Details

APN / Parcel Number

Primary APN	`M:S-17 B:0013 L:0022`
Alternative APN	`GARD M:R17 B:14 L:22`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,847 sqft Living Area
Gross Area	3,665 sqft
Basement Area	1,182 sqft
Unfinished Basement	1,182 sqft

Exterior

Year Built	Built 1880
Effective Year Built	Effective 1880
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	12,020 sqft (0.276 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Street Address	186 SUMMER ST
City	GARDNER
State	MA
Zip	01440-6603
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Block	14
Legal Lot Number	22
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	2
Census Block	2008
Census Tract	707100

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	186 SUMMER ST, GARDNER, MA 01440-6603
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Individual(s)

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 25, 2026 · Amount on Record
Deed Sale	Aug 25, 2026 · Amount on Record
Deed Document Number	202674047
Deed Book / Page	74078 / 336
Prior Transfer Date	Aug 24, 2026
Prior Transfer Doc	0000074047
Record Updated	Oct 29, 2026

August 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Aug 25, 2026
Property Address	186 SUMMER ST, GARDNER, MA 01440-6603
Document Number	0000074047
Book / Page	74078 / 336
Instrument Date	Aug 24, 2026
Instrument	202674047
Transaction Type	Transfer
Record Updated	Sep 15, 2026

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	186 SUMMER ST, GARDNER, MA 01440-6603

Mortgage

Date	Aug 25, 2026

Lender

Name	METRO CREDIT UNION

Agreement

Type	ARM
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	6.13%
Initial Type	Adjustable Rate
Type Change Date	Sep 1, 2041
Margin	3
Max Rate	-1%

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	$4,384.00 (+10,338.1%)	$318,400 (+8.3%) Land $76,800 Building $241,600	$337,381 (-19.25%)
2025	$42.00 (-99.01%)	$294,000 (+4.29%) Land $69,700 Building $224,300	$417,810
2024	$4,226.00	$281,900 Land $63,400 Building $218,500

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 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

Nearby Properties on Summer St

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