195 Ash St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 195 Ash St, Gardner, MA 01440

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,357 sqft · built 1925
Lot Size	0.534 acres (23,265 sqft)
Owner	Individual Name on File
Last Sale	$136,500 (Jan 2001)
Tax Bill	$4,194 (2026)
Deeds & Mortgages	Dec 2025 Line of Credit Dec 2021 Refinance
Flood Zone	Zone X (minimal risk)
APN	`GARD M:M27 B:13 L:2`

Property Details

APN / Parcel Number

Primary APN	`GARD M:M27 B:13 L:2`
Alternative APN	`M:M-27 B:0037 L:0002`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,357 sqft Living Area
Gross Area	3,060 sqft
Basement Area	936 sqft
Unfinished Basement	936 sqft

Exterior

Year Built	Built 1925
Effective Year Built	Effective 1925
Architectural Style	Bungalow
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	23,265 sqft (0.534 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	195 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	2
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	2
Census Block	2001
Census Tract	707400

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 File
Mailing Address	195 ASH ST, GARDNER, MA 01440-1925
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 24, 2025	Deed of Trust, Mortgage · Line of Credit US BANK NA
Dec 1, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance US BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 29, 2001 · Amount on File
Deed Sale	Jan 29, 2001 · Amount on File
Deed Book / Page	23471 / 391
Record Updated	Oct 29, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	195 ASH ST, GARDNER, MA 01440-1925
Transaction Type	Mortgage
Record Updated	Jan 14, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	073014-258
Date	Dec 24, 2025
Book Page	73014/258
Instrument	112664

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	337 Months
Due	Jan 1, 2054

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	195 ASH ST, GARDNER, MA 01440-1925
Transaction Type	Mortgage
Record Updated	Dec 17, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00066649-1
Date	Dec 1, 2021
Book Page	66649/1
Instrument	167759

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	181 Months
Due	Jan 1, 2037

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	$4,194.00 (+9,885.71%)	$304,600 (+2.59%) Land $84,000 Building $220,600	$351,762 (-5.13%)
2025	$42.00 (-99.02%)	$296,900 (+3.34%) Land $76,300 Building $220,600	$370,785
2024	$4,307.00 (+5.62%)	$287,300 (+13.65%) Land $69,400 Building $217,900
2023	$4,078.00	$252,800 Land $68,400 Building $184,400

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

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

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 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.

Cell Coverage

5G (outdoors only) and 4G LTE

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