Worcester County and Gardner City property record for 191 Washington St, Gardner, MA 01440
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,126 sqft · built 1910 |
| Lot Size | 0.148 acres (6,440 sqft) |
| Owner | Individual Name on File |
| Last Sale | $295,000 (Jul 2024) |
| Tax Bill | $3,575 (2026) |
| Deeds & Mortgages | Oct 2019 Mortgage Nov 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | M:P-21 B:0028 L:0032 |
| Primary APN | M:P-21 B:0028 L:0032 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,126 sqft Living Area |
| Gross Area | 1,972 sqft |
| Basement Area | 628 sqft |
| Unfinished Basement | 628 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 | 6,440 sqft (0.148 acres) |
| Heating System | Steam |
|---|---|
| Heating Fuel | Oil |
| Street Address | 191 WASHINGTON ST |
|---|---|
| City | GARDNER |
| State | MA |
| Zip | 01440-2735 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Block | 16 |
| Legal Lot Number | 32 |
| Jurisdiction | GARDNER MA |
| Township / Civil Division | GARDNER |
| Census Block Group | 1 |
| Census Block | 1011 |
| Census Tract | 707200 |
191 Washington St is owned and occupied by an individual who bought it in July 2024.
Source: Worcester County and Gardner City records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 191 WASHINGTON ST, GARDNER, MA 01440-2735 |
| Occupancy | Owner Occupied |
| 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.
| Date | Document |
|---|---|
| Oct 10, 2019 | Deed of Trust, Mortgage · Conventional with PMI GUARANTEED RATE |
| Nov 30, 2018 | Quit Claim Deed, Transfer · FHA Mortgage GUARANTEED RATE |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 12, 2024 · Amount on File |
| Deed Sale | Jul 12, 2024 · Amount on File |
| Prior Sale | Nov 30, 2018 · Amount on File |
| Deed Book / Page | 70751 / 238 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARDNER MA |
| Property Address | 191 WASHINGTON ST, GARDNER, MA 01440-2735 |
| Document Number | 61242-103 |
| Instrument Date | Oct 10, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Nov 5, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 191 WASHINGTON ST GARDNER MA 014402735, GARDNER, MA 01440-2735 |
| Document Number | 61242-103 |
|---|---|
| Date | Oct 16, 2019 |
| Book Page | 061242/000103 |
| Instrument | 109160 |
| Name | GUARANTEED RATE |
|---|
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 15, 2049 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | GARDNER MA |
| Recording Date | Nov 30, 2018 |
| Property Address | 191 WASHINGTON ST, GARDNER, MA 01440-2735 |
| Document Number | 59758-304 |
| Book / Page | 059758 / 000304 |
| Instrument Date | Nov 29, 2018 |
| Instrument | 126981 |
| Transaction Type | Transfer |
| Record Updated | Dec 18, 2018 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $613.32 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 24 MAIN ST #UT4E GARDNER MA 014402665, GARDNER, MA 01440-2665 |
| Document Number | 59758-306 |
|---|---|
| Date | Nov 30, 2018 |
| Book Page | 059758/000306 |
| Instrument | 126982 |
| Name | GUARANTEED RATE |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 29, 2048 |
The 2026 property tax bill for 191 Washington St was $3,575, up 10,414.7% 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 | $3,575.00 (+10,414.71%) | $259,600 (+8.48%) Land $73,100 Building $186,500 | $303,011 (+10.79%) |
| 2025 | $34.00 (-98.97%) | $239,300 (+8.33%) Land $66,400 Building $172,900 | $273,505 |
| 2024 | $3,311.00 (+2.32%) | $220,900 (+10.12%) Land $60,400 Building $160,500 | |
| 2023 | $3,236.00 | $200,600 Land $59,500 Building $141,100 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 191 Washington 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 191 Washington 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 446 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 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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