220 Park St, Gardner, MA 01440 Property Records

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

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 952 sqft · built 1950
Lot Size	0.301 acres (13,090 sqft)
Owner	2 Trust Names on File
Tax Bill	$4,120 (2026)
Deeds & Mortgages	Jun 2023 Refinance Jul 2018 Transfer
Flood Zone	Zone X (minimal risk)
APN	`GARD M:M27 B:9 L:38`

Property Details

APN / Parcel Number

Primary APN	`GARD M:M27 B:9 L:38`
Alternative APN	`M:N-28 B:0012 L:0038`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	952 sqft Living Area
Gross Area	2,292 sqft
Basement Area	666 sqft
Unfinished Basement	666 sqft

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	13,090 sqft (0.301 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	220 PARK ST
City	GARDNER
State	MA
Zip	01440-1639
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Block	9
Legal Lot Number	38
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	2
Census Block	2000
Census Tract	707400

Owner

220 Park St is held in a trust since July 2024.

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

Owner of Record	2 Trust Names on File
Mailing Address	258 PETERSHAM RD, PHILLIPSTON, MA 01331-9824
Owner Type	Company
Vesting	Trust, Irrevocable Trust

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
Jun 20, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance LEOMINSTER CU
Jul 26, 2018	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Jul 24, 2024
Transfer Doc	070843-205
Record Updated	Oct 29, 2026

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	220 PARK ST, GARDNER, MA 01440-1639
Transaction Type	Mortgage
Record Updated	Jul 7, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	069271-239
Date	Jun 20, 2023
Book Page	69271/239
Instrument	47882

Lender

Name	LEOMINSTER CU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	181 Months
Due	Jul 1, 2038

July 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Jul 26, 2018
Property Address	220 PARK ST, GARDNER, MA 01440-1639
Document Number	59153-268
Book / Page	059153 / 000268
Instrument Date	Jul 24, 2018
Instrument	76270
Transaction Type	Transfer
Record Updated	Aug 14, 2018

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	220 PARK ST GARDNER MA 014401639, GARDNER, MA 01440-1639

Tax Assessment & Valuation

The 2026 property tax bill for 220 Park St was $4,120, up 10,2% 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	$4,120.00 (+10,2%)	$299,200 (+5.02%) Land $77,500 Building $221,700	$310,326 (+22.67%)
2025	$40.00 (-98.97%)	$284,900 (+9.62%) Land $70,400 Building $214,500	$252,985
2024	$3,896.00 (+8.13%)	$259,900 (+16.34%) Land $64,000 Building $195,900
2023	$3,603.00	$223,400 Land $63,100 Building $160,300

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

Flood

FEMA maps place 220 Park St in Zone X, an area of minimal flood risk.

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

Wildfire risk around 220 Park 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	Indirect within ember reach
Adjoins Burnable Land	Yes

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.

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