248 Central St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 248 Central St, Gardner, MA 01440

Property Summary

Property Type	Charitable / Fraternal Organization
Details	4 bd · 4 ba · 2,400 sqft · built 1900
Lot Size	0.087 acres (3,806 sqft)
Owner	Company Name on Record
Last Sale	$202,500 (Dec 2019)
Tax Bill	$2,033 (2020)
Deeds & Mortgages	Dec 2019 Sale & Mortgage Nov 2019 Sale
Flood Zone	Zone X (minimal risk)
APN	`M:O-25 B:0011 L:0002`

Property Details

APN / Parcel Number

Primary APN	`M:O-25 B:0011 L:0002`
Alternative APN	`GARD M:M27 B:25 L:24`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Units	7 Units
Stories	2 Stories
Building Area	2,400 sqft Total Area
Gross Area	7,400 sqft
Basement Area	2,400 sqft
Unfinished Basement	2,400 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Condo/Apartment
Exterior Material	Brick
Construction Type	Masonry / Concrete Block
Roof Type	Flat
Roof Material	Tar & Gravel
Lot Area	3,806 sqft (0.087 acres)

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Gas

Location & Zoning

Street Address	248 CENTRAL ST
City	GARDNER
State	MA
Zip	01440-3970
Property Category	Commercial
Property Type	Commercial > Retail > Charitable / Fraternal Organization
Local Zoning Code	C1
Legal Block	25
Legal Lot Number	24
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	2
Census Block	2008
Census Tract	707200

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the West Gardner Square Historic District listed 1985 · 35 contributing resources · NRIS 85003185

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

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	Company Name on Record
Mailing Address	268 CENTRAL ST, GARDNER, MA 01440-8312
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Dec 13, 2019	Quit Claim Deed, Transfer · Commercial Mortgage GFA FEDERAL CREDIT UNION
Nov 26, 2019	Quit Claim Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 13, 2019 · Amount on Record
Deed Sale	Dec 13, 2019 · Amount on Record
Prior Sale	Nov 26, 2019 · Amount on Record
Deed Document Number	2019135299
Deed Book / Page	61583 / 371
Prior Transfer Date	Dec 12, 2019
Prior Transfer Doc	61583-371
Record Updated	Oct 29, 2026

December 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Dec 13, 2019
Property Address	248 CENTRAL ST, GARDNER, MA 01440-3970
Document Number	61583-371
Book / Page	61583 / 371
Instrument Date	Dec 12, 2019
Instrument	135299
Transaction Type	Transfer
Record Updated	May 12, 2021

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
Address	268 CENTRAL ST, GARDNER, MA 01440-8312

Mortgage

Document Number	135300
Date	Dec 13, 2019
Instrument	135300

Lender

Name	GFA FEDERAL CREDIT UNION

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

November 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Nov 26, 2019
Property Address	248 CENTRAL ST, GARDNER, MA 01440-3970
Document Number	61491-269
Book / Page	061491 / 000269
Instrument Date	Oct 25, 2019
Instrument	128030
Transaction Type	Transfer
Record Updated	Dec 10, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Tax	$114.00
Amount Accuracy	Confirmed
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	470 MAIN ST FITCHBURG MA 014208173, FITCHBURG, MA 01420-8173

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
2026		$325,700 (+122.47%) Land $47,600 Building $278,100
2025		$146,400 (+6.78%) Land $46,600 Building $99,800
2024		$137,100 (+10.39%) Land $55,000 Building $82,100
2023		$124,200 Land $44,300 Building $79,900
2020	$2,033.00

Assessed value is set for property tax purposes and is not a market price estimate.

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	1 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 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 519 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
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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