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236 S Main St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 236 S Main St, Gardner, MA 01440

Property Summary

Property TypeSingle Family Home
Details3 bd · 1 ba · 1,749 sqft · built 1910
Lot Size0.215 acres (9,380 sqft)
Owner2 Individual Names on Record
Last Sale$174,900 (Aug 2018)
Tax Bill$4,384 (2026)
Deeds & MortgagesJul 2020 Refinance
Aug 2018 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APNGARD M:R17 B:8 L:27

Property Details

APN / Parcel Number

Primary APNGARD M:R17 B:8 L:27
Alternative APN
  • M:S-17 B:0019 L:0001

Interior

Bedrooms3 Beds
Full Baths1 Bath
Total Rooms6 Rooms
Stories2 Stories
Building Area1,749 sqft Living Area
Gross Area2,921 sqft
Basement Area816 sqft
Unfinished Basement816 sqft

Exterior

Year BuiltBuilt 1910
Effective Year BuiltEffective 1910
Architectural StyleConventional
Exterior MaterialAluminum/Vinyl
Roof TypeGable
Roof MaterialAsphalt
Lot Area9,380 sqft (0.215 acres)

Utilities, Heating & Cooling

Heating SystemSteam
Heating FuelGas

Location & Zoning

Street Address236 S MAIN ST
CityGARDNER
StateMA
Zip01440-3328
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR1
Legal Block8
Legal Lot Number27
JurisdictionGARDNER MA
Township / Civil DivisionGARDNER
Census Block Group2
Census Block2012
Census Tract707100

Owner

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 Record2 Individual Names on Record
Mailing Address236 S MAIN ST, GARDNER, MA 01440-3328
OccupancyOwner Occupied
Owner TypeIndividual
VestingHusband and Wife

Deeds, Mortgages & Sale History

DateDocument
Jul 10, 2020Deed of Trust, Mortgage · Stand-Alone Refinance
DIGITAL FCU
Aug 31, 2018Quit Claim Deed, Transfer
DIGITAL FCU

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleAug 31, 2018 · Amount on Record
Deed SaleAug 31, 2018 · Amount on Record
Prior SaleJun 29, 2005 · Amount on Record
Deed Book / Page59344 / 88
Transfer Doc0059344-88
Record UpdatedOct 29, 2026

July 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionGARDNER MA
Property Address236 S MAIN ST, GARDNER, MA 01440-3328
Transaction TypeMortgage
Record UpdatedFeb 5, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number62769-345
DateJul 10, 2020
Book Page62769/345
Instrument74171
Lender
NameDIGITAL FCU
TypeCredit Union
Agreement
TypeStand-Alone Refinance
AmountAmount Recorded
Term241 Months
DueAug 1, 2040

August 2018: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionGARDNER MA
Recording DateAug 31, 2018
Property Address236 S MAIN ST, GARDNER, MA 01440-3328
Document Number59344-88
Book / Page59344 / 88
Instrument92246
Transaction TypeTransfer
Record UpdatedMay 12, 2021

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$28.80
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number593440091
DateAug 31, 2018
Instrument59344/0091
Lender
NameDIGITAL FCU
TypeCredit Union
Agreement
AmountAmount Recorded
Term361 Months
DueAug 31, 2048

Tax Assessment & Valuation

Source: Worcester County and Gardner City assessment roll, as of April 14, 2026

Property Jurisdictions

TypeName
StateMassachusetts
CountyWorcester County
MunicipalityGardner City
Unified School DistrictGardner School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$4,384.00 (+10,338.1%)$318,400 (+8.37%) Land $75,000 Building $243,400$338,527 (+9.64%)
2025$42.00 (-99.01%)$293,800 (+4.15%) Land $68,100 Building $225,700$308,750
2024$4,229.00 (+3.07%)$282,100 (+10.89%) Land $62,000 Building $220,100
2023$4,103.00$254,400 Land $61,100 Building $193,300

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies2 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskLow
lower than 80% of the US · above 57% of Massachusetts
Wildfire Likelihood0.01% annual chance
ExposureDirect
burnable vegetation

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 SystemGARDNER WATER DEPARTMENT
serves 21,381 people · EPA ID MA2103000
Water SourceSurface water
Last State InspectionOct 2024
Lead3 ppb (2025)
action level 15 ppb

Violations Reported to EPA

Water QualityTreatment failure
resolved · Jan 2022
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 248 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Xfinity
Cable		2,000 / 2,000
T-Mobile
Fixed Wireless		100 / 20

May also be available: Gateway Fiber, Verizon.

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