Worcester County and Gardner City property record for 243 Main St, Gardner, MA 01440
| Property Type | Duplex |
|---|---|
| Details | 3 bd · 2 ba · 1,749 sqft · built 1900 |
| Lot Size | 0.429 acres (18,700 sqft) |
| Owner | Individual Name on File |
| Last Sale | $270,000 (Nov 2022) |
| Tax Bill | $3,792 (2025) |
| Deeds & Mortgages | Apr 2021 Mortgage Nov 2022 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | M:O-22 B:0081 L:0069 |
| Primary APN | M:O-22 B:0081 L:0069 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 8 Rooms |
| Units | 2 Units |
| Stories | 2 Stories |
| Building Area | 1,749 sqft Living Area |
| Gross Area | 3,085 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Architectural Style | Duplex Single |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 18,700 sqft (0.429 acres) |
| Heating System | Steam |
|---|---|
| Heating Fuel | Oil |
| Street Address | 243 MAIN ST |
|---|---|
| City | GARDNER |
| State | MA |
| Zip | 01440-2926 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Legal Block | 15 |
| Legal Lot Number | 69 |
| Jurisdiction | GARDNER MA |
| Township / Civil Division | GARDNER |
| Census Block Group | 3 |
| Census Block | 3010 |
| Census Tract | 707300 |
Source: Worcester County and Gardner City records · APN M:O-22 B:0081 L:0069
Assessment roll updated April 14, 2026 · Last verified April 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 File |
|---|---|
| Mailing Address | 243 MAIN ST, GARDNER, MA 01440-2926 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 21, 2021 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Nov 21, 2022 | Quit Claim Deed, Transfer · Stand-Alone First Mortgage SHAMROCK HOME LOANS |
| May 27, 2020 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Jun 05, 2018 | Quit Claim Deed, Transfer · FHA Mortgage LYC MORTGAGE LLC |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Nov 21, 2022 · Amount on Record |
| Deed Sale | Nov 21, 2022 · Amount on Record |
| Prior Sale | Jun 05, 2018 · Amount on Record |
| Deed Book / Page | 68514 / 329 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARDNER MA |
| Property Address | 243 MAIN ST, GARDNER, MA 01440-2926 |
| Transaction Type | Mortgage |
| Record Updated | Apr 03, 2026 |
| Name | Verified Name |
|---|
| Document Number | 064980-315 |
|---|---|
| Date | Apr 21, 2021 |
| Book Page | 64980/315 |
| Instrument | 54532 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 349 Months |
| Due | May 01, 2050 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | GARDNER MA |
| Recording Date | Nov 21, 2022 |
| Property Address | 243 MAIN ST, GARDNER, MA 01440-2926 |
| Document Number | 068514-329 |
| Book / Page | 68514 / 329 |
| Instrument Date | Nov 21, 2022 |
| Instrument | 124740 |
| Transaction Type | Transfer |
| Record Updated | Nov 20, 2025 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 243 MAIN ST, GARDNER, MA 01440-2926 |
| Document Number | 0000124741 |
|---|---|
| Date | Nov 21, 2022 |
| Instrument | 124741 |
| Name | SHAMROCK HOME LOANS |
|---|
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Number | 068514-354 |
|---|---|
| Date | Nov 21, 2022 |
| Book Page | 68514/354 |
| Instrument | 124742 |
| Name | SHAMROCK HOME LOANS |
|---|
| Type | Second Mortgage (Down Payment) |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Dec 01, 2037 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARDNER MA |
| Property Address | 243 MAIN ST, GARDNER, MA 01440-2926 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 62466-1 |
|---|---|
| Date | May 27, 2020 |
| Book Page | 62466/1 |
| Instrument | 53655 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 01, 2050 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | GARDNER MA |
| Recording Date | Jun 05, 2018 |
| Property Address | 243 MAIN ST, GARDNER, MA 01440-2926 |
| Document Number | 58901-301 |
| Book / Page | 058901 / 000301 |
| Instrument Date | Jun 05, 2018 |
| Instrument | 54639 |
| Transaction Type | Transfer |
| Record Updated | Jun 26, 2018 |
| Title Company | NOT AVAILABLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $825.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3 BERKLEY CT LAWRENCE MA 01840, LAWRENCE, MA 01840 |
| Document Number | 58901-303 |
|---|---|
| Date | Jun 05, 2018 |
| Book Page | 058901/000303 |
| Instrument | 54640 |
| Name | LYC MORTGAGE LLC |
|---|---|
| Type | Bank |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 04, 2048 |
Source: Worcester County and Gardner City records · Assessment roll updated April 14, 2026 · Last verified April 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Worcester County |
| Municipality | Gardner City |
| Unified School District | Gardner School District (PK - 12) |
Assessed value is set for property tax purposes and is not a market price estimate.
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2025 | $3,792.00 (-2.97%) | $264,100 (+1.3%) Land $73,800 Building $190,300 |
| 2024 | $3,908.00 (+6.46%) | $260,700 (+14.54%) Land $67,100 Building $193,600 |
| 2023 | $3,671.00 | $227,600 Land $66,100 Building $161,500 |
Source: FEMA National Flood Hazard Layer, Worcester County (25027C), as of November 30, 2025 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| 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 are read at the parcel center point; lenders make the official flood determination.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 2,000 |
| Gateway Fiber Holdings Fiber | 2,000 / 2,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
Based on FCC filings for 446 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System, water system MA2103000, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | GARDNER WATER DEPARTMENT serves 21,381 people |
|---|---|
| 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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.
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