202 Union St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 202 Union St, Gardner, MA 01440

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,312 sqft · built 1900
Lot Size	0.228 acres (9,931 sqft)
Owner	Individual Name on File
Tax Bill	$3,879 (2026)
Deeds & Mortgages	Apr 2020 Refinance Oct 2019 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`GARD M:R12 B:7 L:9`

Property Details

APN / Parcel Number

Primary APN	`GARD M:R12 B:7 L:9`
Alternative APN	`M:Q-13 B:0019 L:0009`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,312 sqft Living Area
Gross Area	2,396 sqft
Basement Area	656 sqft
Unfinished Basement	656 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Conventional
Exterior Material	Wood Siding
Roof Type	Flat
Roof Material	Tar & Gravel
Lot Area	9,931 sqft (0.228 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	202 UNION ST
City	GARDNER
State	MA
Zip	01440-3446
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Block	7
Legal Lot Number	9
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	1
Census Block	1022
Census Tract	707100

Owner

202 Union St is owned and occupied by an individual who acquired it in October 2019.

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

Owner of Record	Individual Name on File
Mailing Address	202 UNION ST, GARDNER, MA 01440-3446
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
Apr 8, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance WORKERS CU
Oct 1, 2019	Quit Claim Deed, Transfer NOT AVAILABLE
Sep 30, 2019	Quit Claim Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Oct 1, 2019
Transfer Doc	61159-300
Record Updated	Oct 29, 2026

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	202 UNION ST, GARDNER, MA 01440-3446
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	62175-63
Date	Apr 8, 2020
Book Page	62175/63
Instrument	35481

Lender

Name	WORKERS CU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	241 Months
Due	May 1, 2040

October 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Oct 1, 2019
Property Address	202 UNION ST, GARDNER, MA 01440-3446
Document Number	61159-300
Book / Page	061159 / 000300
Instrument Date	Oct 1, 2019
Instrument	102779
Transaction Type	Transfer
Record Updated	Oct 15, 2019
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	202 UNION ST GARDNER MA 014403446, GARDNER, MA 01440-3446

September 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Sep 30, 2019
Property Address	202 UNION ST, GARDNER, MA 01440-3446
Document Number	61150-137
Book / Page	061150 / 000137
Instrument Date	Sep 30, 2019
Instrument	102159
Transaction Type	Transfer
Record Updated	Oct 15, 2019
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	202 UNION ST GARDNER MA 014403446, GARDNER, MA 01440-3446

Tax Assessment & Valuation

The 2026 property tax bill for 202 Union St was $3,879, up 10,383.8% 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	$3,879.00 (+10,383.78%)	$281,700 (+8.39%) Land $75,400 Building $206,300	$305,695 (+19.31%)
2025	$37.00 (-98.98%)	$259,900 (+7.84%) Land $68,500 Building $191,400	$256,215
2024	$3,613.00 (+2.38%)	$241,000 (+10.15%) Land $62,300 Building $178,700
2023	$3,529.00	$218,800 Land $61,400 Building $157,400

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

Flood

FEMA maps place 202 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 202 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

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