20 Washington St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 20 Washington St, Gardner, MA 01440

Property Summary

Property Type	Duplex
Details	4 bd · 2.5 ba · 2,638 sqft · built 1905
Lot Size	0.204 acres (8,875 sqft)
Owner	Individual Name on Record
Last Sale	$148,000 (Aug 2008)
Tax Bill	$4,512 (2026)
Deeds & Mortgages	Mar 2022 Mortgage Mar 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`GARD M:R22 B:6 L:35`

Property Details

APN / Parcel Number

Primary APN	`GARD M:R22 B:6 L:35`
Alternative APN	`M:P-23 B:0001 L:0035`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Units	2 Units
Stories	2 Stories
Building Area	2,638 sqft Living Area
Gross Area	4,636 sqft
Basement Area	1,288 sqft
Unfinished Basement	1,288 sqft

Exterior

Year Built	Built 1905
Effective Year Built	Effective 1905
Architectural Style	Duplex Single
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,875 sqft (0.204 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Street Address	20 WASHINGTON ST
City	GARDNER
State	MA
Zip	01440-2732
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	R1
Legal Subdivision	GEORGE J BOUDREAU
Legal Block	6
Legal Lot Number	35
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	1
Census Block	1009
Census Tract	707200

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	20 WASHINGTON ST, GARDNER, MA 01440-2732
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 2, 2022	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Mar 12, 2021	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 19, 2008 · Amount on Record
Deed Sale	Aug 19, 2008 · Amount on Record
Prior Sale	Oct 29, 1999 · Amount on Record
Deed Document Number	200893375
Deed Book / Page	43217 / 27
Record Updated	Oct 29, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	20 WASHINGTON ST, GARDNER, MA 01440-2732
Transaction Type	Mortgage
Record Updated	Mar 18, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	067199-313
Date	Mar 2, 2022
Book Page	67199/313
Instrument	23931

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2052

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	20 WASHINGTON ST, GARDNER, MA 01440-2732
Transaction Type	Mortgage
Record Updated	Mar 26, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	64664-263
Date	Mar 12, 2021
Book Page	64664/263
Instrument	34347

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	301 Months
Due	Apr 1, 2046

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	$4,512.00 (+10,904.88%)	$327,700 (+12.34%) Land $74,700 Building $253,000	$372,562
2025	$41.00 (-98.97%)	$291,700 (+9.62%) Land $67,800 Building $223,900
2024	$3,989.00 (+1.01%)	$266,100 (+8.7%) Land $61,700 Building $204,400
2023	$3,949.00	$244,800 Land $60,800 Building $184,000

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 388 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
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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