23 School St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 23 School St, Gardner, MA 01440

Property Summary

Property Type	Apartments (5+ Units)
Details	9 bd · 7 ba · 5,316 sqft · built 1920
Lot Size	0.263 acres (11,446 sqft)
Owner	Individual Name on File
Last Sale	$279,000 (Sep 2017)
Tax Bill	$9,145 (2026)
Deeds & Mortgages	Sep 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`GARD M:R27 B:22 L:4`

Property Details

APN / Parcel Number

Primary APN	`GARD M:R27 B:22 L:4`
Alternative APN	`M:Q-25 B:0026 L:0004`

Interior

Bedrooms	9 Beds
Full Baths	7 Baths
Total Rooms	16 Rooms
Units	5 Units
Stories	3 Stories
Building Area	5,316 sqft Living Area
Gross Area	7,993 sqft
Basement Area	1,980 sqft
Unfinished Basement	1,980 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Slate
Lot Area	11,446 sqft (0.263 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Street Address	23 SCHOOL ST
City	GARDNER
State	MA
Zip	01440-2216
Property Category	Residential
Property Type	Residential > Multi-Unit > Apartments (5+ Units)
Local Zoning Code	R3
Legal Block	22
Legal Lot Number	4
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	2
Census Block	2006
Census Tract	707200

Owner

23 School St, a residential property, is owned by an individual who bought it in September 2017.

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	PO BOX 642, ACTON, MA 01720-0642
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 8, 2017 · Amount on File
Deed Sale	Sep 8, 2017 · Amount on File
Prior Sale	Feb 14, 2002 · Amount on File
Deed Book / Page	57702 / 274
Transfer Doc	057702-274
Record Updated	Oct 29, 2026

September 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Sep 8, 2017
Property Address	23 SCHOOL ST, GARDNER, MA 01440-2216
Document Number	57702-274
Book / Page	057702 / 000274
Instrument Date	Sep 8, 2017
Instrument	98753
Transaction Type	Transfer
Record Updated	Sep 26, 2017

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,272.00
Amount Accuracy	Confirmed
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	26 CENTRAL ST ACTON MA 017203523, ACTON, MA 01720-3523

Mortgage

Document Number	57702-278
Date	Sep 8, 2017
Book Page	057702/000278
Instrument	98754

Lender

Name	ATHOL CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 23 School St was $9,145, up 11,052.4% 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
2026	$9,145.00 (+11,052.44%)	$664,100 (+15.34%) Land $76,400 Building $587,700
2025	$82.00 (-98.87%)	$575,800 (+18.94%) Land $69,400 Building $506,400
2024	$7,257.00 (+1.13%)	$484,100 (+8.81%) Land $63,100 Building $421,000
2023	$7,176.00	$444,900 Land $62,200 Building $382,700

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

FEMA maps place 23 School 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	1 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 23 School 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 388 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
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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