Worcester County and Gardner City property record for 187 Ash St, Gardner, MA 01440
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,008 sqft · built 1971 |
| Lot Size | 0.19 acres (8,255 sqft) |
| Owner | Individual Name on File |
| Last Sale | $120,000 (Jan 2014) |
| Tax Bill | $4,073 (2026) |
| Deeds & Mortgages | Oct 2020 Refinance |
| Flood Zone | Zone X (minimal risk) |
| APN | GARD M:M27 B:13 L:3 |
| Primary APN | GARD M:M27 B:13 L:3 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,008 sqft Living Area |
| Gross Area | 2,408 sqft |
| Basement Area | 1,008 sqft |
| Unfinished Basement | 1,008 sqft |
| Year Built | Built 1971 |
|---|---|
| Effective Year Built | Effective 1971 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 8,255 sqft (0.19 acres) |
| Heating System | Baseboard |
|---|---|
| Heating Fuel | Electric |
| Street Address | 187 ASH ST |
|---|---|
| City | GARDNER |
| State | MA |
| Zip | 01440-1925 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Block | 13 |
| Legal Lot Number | 3 |
| Jurisdiction | GARDNER MA |
| Township / Civil Division | GARDNER |
| Census Block Group | 2 |
| Census Block | 2001 |
| Census Tract | 707400 |
187 Ash St is owned by an individual who acquired it in May 2024.
Source: Worcester County and Gardner City records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 5 RILEY SWITCH RD, PHILLIPSTON, MA 01331-9498 |
| Owner Type | Individual |
| Vesting | Individual(s) |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 17, 2014 · Amount on File |
| Deed Sale | Jan 17, 2014 · Amount on File |
| Deed Book / Page | 51953 / 392 |
| Last Transfer Date | May 6, 2024 |
| Transfer Doc | 00070479-8 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARDNER MA |
| Property Address | 187 ASH ST, GARDNER, MA 01440-1925 |
| Transaction Type | Mortgage |
| Record Updated | May 26, 2022 |
| Name | Verified Name |
|---|
| Document Number | 063632-228 |
|---|---|
| Date | Oct 30, 2020 |
| Book Page | 63632/228 |
| Instrument | 131200 |
| Name | WORKERS CU |
|---|---|
| Type | Credit Union |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2050 |
The 2026 property tax bill for 187 Ash St was $4,073, up 10,082.5% from the year before.
Source: Worcester County and Gardner City assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Worcester County |
| Municipality | Gardner City |
| Unified School District | Gardner School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $4,073.00 (+10,082.5%) | $295,800 (+5.04%) Land $74,300 Building $221,500 | $337,422 (+12.26%) |
| 2025 | $40.00 (-98.99%) | $281,600 (+6.67%) Land $67,500 Building $214,100 | $300,580 |
| 2024 | $3,957.00 (+5.52%) | $264,000 (+13.55%) Land $61,400 Building $202,600 | |
| 2023 | $3,750.00 | $232,500 Land $60,500 Building $172,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 187 Ash 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 risk around 187 Ash 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.
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 |
| 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.
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.
5G (outdoors only) and 4G LTE
Search by:
By searching, you agree to: Terms • Privacy • Disclosures