223 Ash St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 223 Ash St, Gardner, MA 01440

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 936 sqft · built 1952
Lot Size	0.498 acres (21,704 sqft)
Owner	Individual Name on File
Last Sale	$100,000 (Sep 2012)
Tax Bill	$3,908 (2026)
Deeds & Mortgages	Mar 2021 Refinance Mar 2026 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`GARD M:M27 B:8 L:46`

Property Details

APN / Parcel Number

Primary APN	`GARD M:M27 B:8 L:46`
Alternative APN	`M:M-28 B:0034 L:0046`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	936 sqft Living Area
Gross Area	2,180 sqft
Basement Area	936 sqft
Unfinished Basement	936 sqft

Exterior

Year Built	Built 1952
Effective Year Built	Effective 1952
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	21,704 sqft (0.498 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	223 ASH ST
City	GARDNER
State	MA
Zip	01440-1927
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Block	8
Legal Lot Number	46
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	2
Census Block	2001
Census Tract	707400

Owner

223 Ash St is owned and occupied by an individual who bought it in September 2012.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	223 ASH ST, GARDNER, MA 01440-1927
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 10, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance QUICKEN LOANS INC
Mar 10, 2026	Deed of Trust, Mortgage ROCKET MORTGAGE LLC
Jan 31, 2020	Deed of Trust, Mortgage · VA Mortgage QUICKEN LOANS INC
Sep 4, 2018	Deed of Trust, Mortgage · VA Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 4, 2012 · Amount on File
Deed Sale	Sep 4, 2012 · Amount on File
Deed Book / Page	49558 / 23
Record Updated	Oct 29, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	223 ASH ST, GARDNER, MA 01440-1927
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	064645-355
Date	Mar 10, 2021
Book Page	64645/355
Instrument	32973

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2051

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	223 ASH ST, GARDNER, MA 01440-1927
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	073293-253
Date	Mar 10, 2026
Book Page	73293/253
Instrument	18182

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2056

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	223 ASH ST, GARDNER, MA 01440-1927
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	61828-312
Date	Jan 31, 2020
Book Page	61828/312
Instrument	10667

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2050

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	223 ASH ST, GARDNER, MA 01440-1927
Document Number	59384-1
Instrument Date	Sep 4, 2018
Transaction Type	Mortgage
Record Updated	Oct 2, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	223 ASH ST GARDNER MA 014401927, GARDNER, MA 01440-1927

Mortgage

Document Number	59384-1
Date	Sep 11, 2018
Book Page	059384/000001
Instrument	95633

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 10, 2048

Tax Assessment & Valuation

The 2026 property tax bill for 223 Ash St was $3,908, up 10,184.2% 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	$3,908.00 (+10,184.21%)	$283,800 (+5.23%) Land $83,000 Building $200,800	$316,099 (+2.25%)
2025	$38.00 (-99.02%)	$269,700 (+3.93%) Land $75,500 Building $194,200	$309,130
2024	$3,890.00 (+7.97%)	$259,500 (+16.16%) Land $68,600 Building $190,900
2023	$3,603.00	$223,400 Land $67,600 Building $155,800

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

Flood

FEMA maps place 223 Ash 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 223 Ash 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	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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