197 S Main St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 197 S Main St, Gardner, MA 01440

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 1,903 sqft · built 1895
Lot Size	0.153 acres (6,670 sqft)
Owner	Individual Name on File
Tax Bill	$4,656 (2026)
Deeds & Mortgages	Oct 2021 Line of Credit Nov 2018 Transfer
Flood Zone	Zone X (minimal risk)
APN	`GARD M:R17 B:13 L:7`

Property Details

APN / Parcel Number

Primary APN	`GARD M:R17 B:13 L:7`
Alternative APN	`M:S-17 B:0034 L:0007`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	1,903 sqft Living Area
Gross Area	4,085 sqft
Basement Area	1,006 sqft
Unfinished Basement	1,006 sqft

Exterior

Year Built	Built 1895
Effective Year Built	Effective 1895
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Slate
Lot Area	6,670 sqft (0.153 acres)

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Gas

Location & Zoning

Street Address	197 S MAIN ST
City	GARDNER
State	MA
Zip	01440-3325
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Block	13
Legal Lot Number	7
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	2
Census Block	2038
Census Tract	707100

Owner

197 S Main St is owned and occupied by an individual.

Source: Worcester County and Gardner City records, as of October 20, 2026

Owner of Record	Individual Name on File
Mailing Address	197 S MAIN ST, GARDNER, MA 01440-3325
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.

Deeds, Mortgages & Sale History

Date	Document
Oct 6, 2021	Deed of Trust, Mortgage · Line of Credit GFA FEDERAL CREDIT UNION
Nov 27, 2018	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	197 S MAIN ST, GARDNER, MA 01440-3325
Transaction Type	Mortgage
Record Updated	Oct 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	66239-97
Date	Oct 6, 2021
Book Page	66239/97
Instrument	140805

Lender

Name	GFA FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	241 Months
Due	Nov 1, 2041

Interest

Rate Type	Adjustable Rate

November 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Nov 27, 2018
Property Address	197 S MAIN ST, GARDNER, MA 01440-3325
Document Number	59737-361
Book / Page	059737 / 000361
Instrument Date	Nov 22, 2018
Instrument	125262
Transaction Type	Transfer
Record Updated	Dec 18, 2018

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	197 S MAIN ST GARDNER MA 014403325, GARDNER, MA 01440-3325

Tax Assessment & Valuation

The 2026 property tax bill for 197 S Main St was $4,656, up 10,481.8% from the year before.

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	$4,656.00 (+10,481.82%)	$338,100 (+8.19%) Land $73,200 Building $264,900	$347,565 (-11.29%)
2025	$44.00 (-99.02%)	$312,500 (+4.24%) Land $66,600 Building $245,900	$391,780
2024	$4,494.00 (+2.84%)	$299,800 (+10.67%) Land $60,500 Building $239,300
2023	$4,370.00	$270,900 Land $59,600 Building $211,300

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 197 S Main St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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

Wildfire risk around 197 S Main 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.

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 252 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on S Main St

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