201 Union St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 201 Union St, Gardner, MA 01440

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,339 sqft · built 1900
Lot Size	0.144 acres (6,286 sqft)
Owner	2 Individual Names on File
Last Sale	$100,000 (Jul 2011)
Tax Bill	$4,101 (2026)
Deeds & Mortgages	Nov 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`GARD M:R12 B:7 L:12`

Property Details

APN / Parcel Number

Primary APN	`GARD M:R12 B:7 L:12`
Alternative APN	`M:Q-13 B:0045 L:0004`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,339 sqft Living Area
Gross Area	2,596 sqft
Basement Area	704 sqft
Unfinished Basement	704 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Conventional
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	6,286 sqft (0.144 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Street Address	201 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	12
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	1
Census Block	1023
Census Tract	707100

Owner

201 Union St is owned and occupied by two individuals who bought it in July 2011.

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

Owner of Record	2 Individual Names on File
Mailing Address	201 UNION ST, GARDNER, MA 01440-3423
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 8, 2011 · Amount on File
Deed Sale	Jul 8, 2011 · Amount on File
Prior Sale	Apr 22, 2010 · Amount on File
Deed Document Number	20116
Deed Book / Page	47579 / 326
Transfer Doc	45702-288
Record Updated	Oct 29, 2026

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	201 UNION ST, GARDNER, MA 01440-3423
Transaction Type	Mortgage
Record Updated	Dec 16, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0068539-25
Date	Nov 29, 2022
Book Page	68539/25
Instrument	126629

Lender

Name	GFA FEDERAL CREDIT UNION

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount on Record
Term	181 Months
Due	Dec 1, 2037

Tax Assessment & Valuation

The 2026 property tax bill for 201 Union St was $4,101, up 10,415.4% 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	$4,101.00 (+10,415.38%)	$297,800 (+8.37%) Land $73,000 Building $224,800	$287,737 (-13.46%)
2025	$39.00 (-98.99%)	$274,800 (+6.47%) Land $66,300 Building $208,500	$332,500
2024	$3,869.00 (+3.2%)	$258,100 (+11.06%) Land $60,300 Building $197,800
2023	$3,749.00	$232,400 Land $59,400 Building $173,000

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

Flood

FEMA maps place 201 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

Wildfire risk around 201 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.

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

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Union St

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