Worcester County and Gardner City property record for 190 Pine St, Gardner, MA 01440 · Last verified April 2026
| Property Type | Residential > Multi-Unit > Duplex |
|---|---|
| Bedrooms | 4 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 1905 |
| Square Footage | 2,702 sqft Living Area |
| Lot Size | 6,530 sqft (0.15 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $212,000 (2019) |
| Tax Bill | $47.00 (2025) |
| Primary APN | GARD M:R22 B:6 L:22 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 10 Rooms |
| Units | 2 Units |
| Building Area | 2,702 sqft Living Area |
| Gross Area | 5,838 sqft Gross Area |
| Stories | 2 Stories |
| Year Built | Built 1905 |
|---|---|
| Effective Year Built | Effective 1905 |
| Architectural Style | Duplex Single Style |
| Exterior Material | Aluminum/Vinyl Exterior |
| Roof Construction | Gable Roof Construction |
| Roof Material | Asphalt Roof |
| Lot Area | 6,530 sqft (0.15 acres) |
| Heating System | Hot Water Heating |
|---|---|
| Heating Fuel | Oil Heating Fuel |
| Street Address | 190 PINE ST |
|---|---|
| City | GARDNER |
| State | MA |
| Zip | 01440-2778 |
| Property Usage | Residential Property Usage |
| Type | Residential > Multi-Unit > Duplex |
| Legal Block | 6 |
| Legal Lot Number | 22 |
| Jurisdiction | GARDNER MA |
| Minor Civil Division | GARDNER |
| Census Blockgroup | 1 |
| Census Block | 1010 |
| Census Tract | 707200 |
Source: Worcester County and Gardner City records · APN GARD M:R22 B:6 L:22
Assessment roll updated April 14, 2026 · Last verified April 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 File |
|---|---|
| Mailing Address | 190 PINE ST, GARDNER, MA 01440-2778 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Vesting | Husband And Wife |
| Date | Document |
|---|---|
| Sep 11, 2019 | Quit Claim Arm's Length for NE States, Transfer · Federal Housing Administration (FHA) Mortgage UNITED WHOLESALE MORTGAGE |
| Jun 25, 2018 | Quit Claim Arm's Length for NE States, Transfer · Federal Housing Administration (FHA) Mortgage VILLAGE MORTGAGE CORPORATION |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Sep 11, 2019 · Amount on Record |
| Deed Sale | Sep 11, 2019 · Amount on Record |
| Prior Sale | Jun 25, 2018 · Amount on Record |
| Deed Doc Number | 201993247 |
| Deed Book / Page | 61034 / 102 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Quit Claim Arm's Length for NE States |
|---|---|
| Jurisdiction | GARDNER MA |
| Recording Date | Sep 11, 2019 |
| Property Address | 190 PINE ST, GARDNER, MA 01440-2778 |
| Document Number | 61034-102 |
| Book / Page | 61034 / 102 |
| Instrument Date | Sep 05, 2019 |
| Instrument | 93247 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 190 PINE ST, GARDNER, MA 01440-2778 |
| Document Number | 93248 |
|---|---|
| Date | Sep 11, 2019 |
| Instrument | 93248 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Quit Claim Arm's Length for NE States |
|---|---|
| Jurisdiction | GARDNER MA |
| Recording Date | Jun 25, 2018 |
| Property Address | 190 PINE ST, GARDNER, MA 01440-2778 |
| Document Number | 58997-129 |
| Book / Page | 58997 / 129 |
| Instrument | 62977 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $28.76 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 190 PINE ST, GARDNER, MA 01440-2778 |
| Document Number | 589970133 |
|---|---|
| Date | Jun 25, 2018 |
| Instrument | 58997/0133 |
| Name | VILLAGE MORTGAGE CORPORATION |
|---|---|
| Type | Mortgage Company |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 25, 2048 |
Source: Worcester County and Gardner City records · Assessment roll updated April 14, 2026 · Last verified April 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Worcester County |
| Municipality | Gardner City |
| Unified School District | Gardner School District (PK - 12) |
Assessed value is set for property tax purposes and is not a market price estimate.
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2025 | $47.00 (-98.96%) | $332,700 (+10.86%) Land $66,500 Building $266,200 |
| 2024 | $4,498.00 (+0.13%) | $300,100 (+7.76%) Land $60,500 Building $239,600 |
| 2023 | $4,492.00 | $278,500 Land $59,600 Building $218,900 |
190 Pine St is in FEMA Zone X, outside the Special Flood Hazard Area, with no wildfire exposure.
Source: FEMA National Flood Hazard Layer · Worcester County (25027C), updated November 30, 2025
| FEMA Flood Zone | Zone X minimal flood hazard · outside the 0.2% annual chance floodplain |
|---|---|
| Special Flood Hazard Area | No |
Source: USDA Forest Service Wildfire Risk to Communities · 2nd edition (2024), fuels as of 2020
| Wildfire Risk to Homes | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach of burnable land |
Values are read at the parcel center point; lenders make the official flood determination.
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