Worcester County and Gardner City property record for 191 Union St, Gardner, MA 01440
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,413 sqft · built 1910 |
| Lot Size | 0.294 acres (12,823 sqft) |
| Owner | Individual Name on File |
| Last Sale | $75,000 (Jun 1997) |
| Tax Bill | $5,117 (2026) |
| Flood Zone | Zone X (minimal risk) |
| APN | GARD M:R12 B:7 L:5 |
| Primary APN | GARD M:R12 B:7 L:5 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 2,413 sqft Living Area |
| Gross Area | 5,300 sqft |
| Basement Area | 1,350 sqft |
| Unfinished Basement | 1,350 sqft |
| Year Built | Built 1910 |
|---|---|
| Effective Year Built | Effective 1910 |
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 12,823 sqft (0.294 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Street Address | 191 UNION ST |
|---|---|
| City | GARDNER |
| State | MA |
| Zip | 01440-3423 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Block | 7 |
| Legal Lot Number | 5 |
| Jurisdiction | GARDNER MA |
| Township / Civil Division | GARDNER |
| Census Block Group | 1 |
| Census Block | 1023 |
| Census Tract | 707100 |
191 Union St is owned and occupied by an individual who bought it in June 1997.
Source: Worcester County and Gardner City records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 191 UNION ST, GARDNER, MA 01440-3423 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
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 | Jun 10, 1997 · Amount on File |
| Deed Sale | Jun 10, 1997 · Amount on File |
| Deed Book / Page | 18896 / 375 |
| Record Updated | Oct 29, 2026 |
The 2026 property tax bill for 191 Union St was $5,117, up 10,134% 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 | $5,117.00 (+10,134%) | $371,600 (+6.32%) Land $77,300 Building $294,300 | $389,605 (-14.18%) |
| 2025 | $50.00 (-99.01%) | $349,500 (+4.17%) Land $70,200 Building $279,300 | $454,005 |
| 2024 | $5,029.00 (+2.55%) | $335,500 (+10.36%) Land $63,900 Building $271,600 | |
| 2023 | $4,904.00 | $304,000 Land $63,000 Building $241,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 191 Union St in Zone X, an area of minimal flood risk.
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 | 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 risk around 191 Union 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 | Direct burnable vegetation |
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 66 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
5G (outdoors only) and 4G LTE
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