243 West St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 243 West St, Gardner, MA 01440

Property Summary

Property Type	Duplex
Details	4 bd · 2 ba · 2,418 sqft · built 1900
Lot Size	0.404 acres (17,613 sqft)
Owner	Individual Name on Record
Last Sale	$280,000 (Jul 2021)
Tax Bill	$4,808 (2026)
Deeds & Mortgages	Jul 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`M:L-26 B:0109 L:0051`

Property Details

APN / Parcel Number

Primary APN	`M:L-26 B:0109 L:0051`
Alternative APN	`GARD M:M27 B:17 L:51`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	10 Rooms
Units	2 Units
Stories	2 Stories
Building Area	2,418 sqft Living Area
Gross Area	5,263 sqft
Basement Area	1,209 sqft
Unfinished Basement	1,209 sqft

Exterior

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	17,613 sqft (0.404 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	243 WEST ST
City	GARDNER
State	MA
Zip	01440-1968
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	R1
Legal Subdivision	GREENWOOD PARK
Legal Block	17
Legal Lot Number	51
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	1
Census Block	1034
Census Tract	707400

Owner

Source: Worcester County and Gardner City records, as of October 20, 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	243 WEST ST, GARDNER, MA 01440-1968
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 9, 2021 · Amount on Record
Deed Sale	Jul 9, 2021 · Amount on Record
Prior Sale	Aug 1, 2011 · Amount on Record
Deed Document Number	202196324
Deed Book / Page	65587 / 191
Record Updated	Oct 29, 2026

July 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Jul 9, 2021
Property Address	243 WEST ST, GARDNER, MA 01440-1968
Document Number	065587-191
Book / Page	65587 / 191
Instrument Date	Jul 9, 2021
Instrument	96324
Transaction Type	Transfer
Record Updated	Jan 17, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Venture
Address	243 WEST ST, GARDNER, MA 01440-1968

Mortgage

Document Number	0000096325
Date	Jul 9, 2021
Instrument	96325

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

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	$4,808.00 (+10,584.44%)	$349,200 (+11.25%) Land $80,400 Building $268,800	$376,289
2025	$45.00 (-98.95%)	$313,900 (+9.41%) Land $73,100 Building $240,800
2024	$4,301.00 (+0.42%)	$286,900 (+8.06%) Land $66,500 Building $220,400
2023	$4,283.00	$265,500 Land $65,600 Building $199,900

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 Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force
Nearby Flood Claims	1 (2016)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Feb 2016 · rainfall accumulation

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 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 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