247 Ash St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 247 Ash St, Gardner, MA 01440

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,176 sqft · built 1962
Lot Size	0.195 acres (8,500 sqft)
Owner	Individual Name on Record
Last Sale	$414,550 (Jan 2025)
Tax Bill	$4,441 (2026)
Deeds & Mortgages	Jun 2023 Mortgage May 2021 Refinance + 2 more
Flood Zone	Zone X (minimal risk)
APN	`GARD M:M27 B:8 L:43`

Property Details

APN / Parcel Number

Primary APN	`GARD M:M27 B:8 L:43`
Alternative APN	`M:M-28 B:0031 L:0043`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,176 sqft Living Area
Gross Area	3,152 sqft
Basement Area	1,176 sqft
Unfinished Basement	1,176 sqft

Exterior

Year Built	Built 1962
Effective Year Built	Effective 1962
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,500 sqft (0.195 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	247 ASH ST
City	GARDNER
State	MA
Zip	01440-1927
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Subdivision	LEO A COHEN
Legal Block	8
Legal Lot Number	43
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	2
Census Block	2001
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	247 ASH ST, GARDNER, MA 01440-1927
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants with Right of Survivorship

Deeds, Mortgages & Sale History

Date	Document
Jun 27, 2023	Deed of Trust, Mortgage · Second Mortgage (Down Payment) ROCKET MORTGAGE
May 11, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance QUICKEN LOANS INC
Dec 2, 2025	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Oct 18, 2018	Deed of Trust, Mortgage · Conventional Mortgage LEOMINSTER CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 6, 2025 · Amount on Record
Deed Sale	Jan 6, 2025 · Amount on Record
Prior Sale	Jul 23, 2012 · Amount on Record
Deed Document Number	20251022
Deed Book / Page	71499 / 376
Record Updated	Oct 29, 2026

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	247 ASH ST, GARDNER, MA 01440-1927
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00069308-8
Date	Jun 27, 2023
Book Page	69308/8
Instrument	50696

Lender

Name	ROCKET MORTGAGE

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount Recorded
Term	241 Months
Due	Jul 1, 2043

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	247 ASH ST, GARDNER, MA 01440-1927
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	065138-218
Date	May 11, 2021
Book Page	65138/218
Instrument	64878

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2051

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	247 ASH ST, GARDNER, MA 01440-1927
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0072905-16
Date	Dec 2, 2025
Book Page	72905/16
Instrument	104820

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	349 Months
Due	Jan 1, 2055

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	247 ASH ST, GARDNER, MA 01440-1927
Document Number	59580-39
Instrument Date	Oct 18, 2018
Transaction Type	Mortgage
Record Updated	Nov 21, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	247 ASH ST GARDNER MA 014401927, GARDNER, MA 01440-1927

Mortgage

Document Number	59580-39
Date	Oct 23, 2018
Book Page	059580/000039
Instrument	112104

Lender

Name	LEOMINSTER CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Oct 22, 2028

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	$4,441.00 (+0.5%)	$322,500 (+4.81%) Land $74,400 Building $248,100	$384,576 (+1.13%)
2025	$4,419.00 (-1.67%)	$307,700 (+2.64%) Land $67,600 Building $240,100	$380,285
2024	$4,494.00 (+9.42%)	$299,800 (+17.75%) Land $61,500 Building $238,300
2023	$4,107.00	$254,600 Land $60,600 Building $194,000

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

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.

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 272 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

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Ash St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures