Worcester County and Gardner City property record for 238B West St, Gardner, MA 01440
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,051 sqft · built 1900 |
| Lot Size | 0.095 acres (4,140 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $170,000 (Nov 2005) |
| Tax Bill | $3,442 (2025) |
| Deeds & Mortgages | Oct 2017 Mortgage Oct 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | M:L-26 B:0030 L:0006 |
| Primary APN | M:L-26 B:0030 L:0006 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,051 sqft Living Area |
| Gross Area | 2,333 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Architectural Style | Bungalow |
| Exterior Material | Wood Siding |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 4,140 sqft (0.095 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Street Address | 238B WEST ST |
|---|---|
| City | GARDNER |
| State | MA |
| Zip | 01440-2166 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Block | 22 |
| Legal Lot Number | 49 |
| Jurisdiction | GARDNER MA |
| Township / Civil Division | GARDNER |
| Census Block Group | 3 |
| Census Block | 3015 |
| Census Tract | 707400 |
Source: Worcester County and Gardner City records, as of April 14, 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 | 238 WEST ST, R, GARDNER, MA 01440 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 10, 2017 | Deed of Trust, Mortgage · Conventional Mortgage FITCHBURG COMM DEV |
| Oct 2, 2017 | Deed of Trust, Mortgage · Conventional Mortgage LOWELL CMNTY LOAN FND |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 1, 2005 · Amount on Record |
| Deed Sale | Nov 1, 2005 · Amount on Record |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARDNER MA |
| Property Address | 238R WEST ST, GARDNER, MA 01440-2129 |
| Document Number | 57932-226 |
| Instrument Date | Oct 10, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jan 11, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|
| Document Number | 57932-226 |
|---|---|
| Date | Oct 25, 2017 |
| Book Page | 057932/000226 |
| Instrument | 118399 |
| Name | FITCHBURG COMM DEV |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARDNER MA |
| Property Address | 238R WEST ST, GARDNER, MA 01440-2129 |
| Document Number | 57850-109 |
| Instrument Date | Oct 2, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Oct 24, 2017 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|
| Document Number | 57850-109 |
|---|---|
| Date | Oct 6, 2017 |
| Book Page | 057850/000109 |
| Instrument | 111180 |
| Name | LOWELL CMNTY LOAN FND |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
Source: Worcester County and Gardner City assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Worcester County |
| Municipality | Gardner City |
| Unified School District | Gardner School District (PK - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2025 | $3,442.00 (-0.72%) | $239,700 (+3.63%) Land $64,300 Building $175,400 |
| 2024 | $3,467.00 (+8.38%) | $231,300 (+16.64%) Land $58,400 Building $172,900 |
| 2023 | $3,199.00 | $198,300 Land $57,600 Building $140,700 |
Assessed value is set for property tax purposes and is not a market price estimate.
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.
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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 380 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 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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