217 Ash St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 217 Ash St, Gardner, MA 01440

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 978 sqft · built 1954
Lot Size	0.174 acres (7,577 sqft)
Owner	2 Individual Names on Record
Last Sale	$300,000 (Jul 2023)
Tax Bill	$3,908 (2026)
Deeds & Mortgages	Jul 2023 Sale & Mortgage Oct 2018 Transfer
Flood Zone	Zone X (minimal risk)
APN	`M:M-28 B:0035 L:0047`

Property Details

APN / Parcel Number

Primary APN	`M:M-28 B:0035 L:0047`
Alternative APN	`GARD M:M27 B:13 L:47`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	978 sqft Living Area
Gross Area	2,608 sqft
Basement Area	936 sqft
Unfinished Basement	936 sqft

Exterior

Year Built	Built 1954
Effective Year Built	Effective 1954
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,577 sqft (0.174 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	217 ASH ST
City	GARDNER
State	MA
Zip	01440-1927
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Block	13
Legal Lot Number	47
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 shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	217 ASH ST, GARDNER, MA 01440-1927
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Jul 21, 2023	Quit Claim Deed, Transfer · Stand-Alone First Mortgage BERKSHIRE BANK
Oct 15, 2018	Quit Claim Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 21, 2023 · Amount on Record
Deed Sale	Jul 21, 2023 · Amount on Record
Prior Sale	Oct 15, 2018
Deed Document Number	202359037
Deed Book / Page	69416 / 187
Record Updated	Oct 29, 2026

July 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Jul 21, 2023
Property Address	217 ASH ST, GARDNER, MA 01440-1927
Document Number	069416-187
Book / Page	69416 / 187
Instrument Date	Jul 21, 2023
Instrument	59037
Transaction Type	Transfer
Record Updated	Aug 4, 2023

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	217 ASH ST, GARDNER, MA 01440-1927

Mortgage

Document Number	0000059038
Date	Jul 21, 2023
Instrument	59038

Lender

Name	BERKSHIRE BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Mortgage

Document Number	069416-210
Date	Jul 21, 2023
Book Page	69416/210
Instrument	59039

Lender

Name	BERKSHIRE BANK
Type	Bank

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount Recorded
Term	181 Months
Due	Aug 1, 2038

October 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Oct 15, 2018
Property Address	217 ASH ST, GARDNER, MA 01440-1927
Document Number	59544-38
Book / Page	059544 / 000038
Instrument Date	Oct 5, 2018
Instrument	108961
Transaction Type	Transfer
Record Updated	Nov 16, 2018

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	35 LAWRENCE ST LITTLETON MA 014601218, LITTLETON, MA 01460-1218

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	$3,908.00 (+10,184.21%)	$283,800 (+5.07%) Land $73,800 Building $210,000	$326,796 (+16.21%)
2025	$38.00 (-99%)	$270,100 (+6.42%) Land $67,100 Building $203,000	$281,200
2024	$3,804.00 (+7.58%)	$253,800 (+15.78%) Land $61,000 Building $192,800
2023	$3,536.00	$219,200 Land $60,100 Building $159,100

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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