220 Ash St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 220 Ash St, Gardner, MA 01440

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,260 sqft · built 1961
Lot Size	0.266 acres (11,585 sqft)
Owner	Individual Name on Record
Last Sale	$325,000 (Oct 2021)
Tax Bill	$4,679 (2026)
Deeds & Mortgages	Oct 2021 Sale & Mortgage Oct 2018 Sale
Flood Zone	Zone X (minimal risk)
APN	`GARD M:M27 B:8 L:48`

Property Details

APN / Parcel Number

Primary APN	`GARD M:M27 B:8 L:48`
Alternative APN	`M:M-28 B:0025 L:0027`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,260 sqft Living Area
Gross Area	3,052 sqft
Basement Area	1,260 sqft
Unfinished Basement	1,260 sqft

Exterior

Year Built	Built 1961
Effective Year Built	Effective 1961
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	11,585 sqft (0.266 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	220 ASH ST
City	GARDNER
State	MA
Zip	01440-1928
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Subdivision	LEO A COHEN
Legal Block	8
Legal Lot Number	48
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	2
Census Block	2003
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	Individual Name on Record
Mailing Address	47 CRO SHEE LN, LEOMINSTER, MA 01453-3934
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 29, 2021	Quit Claim Deed, Transfer · Stand-Alone First Mortgage TOTAL MORTGAGE SERVICES LLC
Oct 29, 2018	Personal Representative Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 29, 2021 · Amount on Record
Deed Sale	Oct 29, 2021 · Amount on Record
Deed Document Number	2021152279
Deed Book / Page	66411 / 396
Record Updated	Oct 29, 2026

October 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Oct 29, 2021
Property Address	220 ASH ST, GARDNER, MA 01440-1928
Document Number	66411-396
Book / Page	66411 / 396
Instrument Date	Oct 29, 2021
Instrument	152279
Transaction Type	Transfer
Record Updated	Nov 19, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
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
Address	47 CRO SHEE LN, LEOMINSTER, MA 01453-3934

Mortgage

Document Number	152280
Date	Oct 29, 2021
Instrument	152280

Lender

Name	TOTAL MORTGAGE SERVICES LLC
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

October 2018: Personal Representative Deed, Transfer

Document Type	Personal Representative Deed
Jurisdiction	GARDNER MA
Recording Date	Oct 29, 2018
Property Address	220 ASH ST, GARDNER, MA 01440-1928
Document Number	59610-285
Book / Page	059610 / 000285
Instrument Date	Oct 9, 2018
Instrument	114578
Transaction Type	Transfer
Record Updated	Nov 22, 2018

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	220 ASH ST GARDNER MA 014401928, GARDNER, MA 01440-1928

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	$4,679.00 (+10,071.74%)	$339,800 (+4.81%) Land $76,500 Building $263,300	$379,399 (-0.8%)
2025	$46.00 (-99%)	$324,200 (+5.53%) Land $69,500 Building $254,700	$382,470
2024	$4,605.00 (+5.79%)	$307,200 (+13.82%) Land $63,200 Building $244,000
2023	$4,353.00	$269,900 Land $62,300 Building $207,600

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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