Worcester County and Gardner City property record for 249 Main St, Gardner, MA 01440
| Property Type | Duplex |
|---|---|
| Details | 6 bd · 2 ba · 1,872 sqft · built 1900 |
| Lot Size | 0.179 acres (7,800 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $350,000 (Apr 2024) |
| Tax Bill | $4,318 (2026) |
| Deeds & Mortgages | May 2021 Refinance Oct 2025 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | M:O-22 B:0080 L:0068 |
| Primary APN | M:O-22 B:0080 L:0068 |
|---|---|
| Alternative APN |
|
| Bedrooms | 6 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 10 Rooms |
| Units | 2 Units |
| Stories | 2 Stories |
| Building Area | 1,872 sqft Living Area |
| Gross Area | 3,264 sqft |
| Basement Area | 936 sqft |
| Unfinished Basement | 936 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Architectural Style | Duplex Single |
| Exterior Material | Wood Siding |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 7,800 sqft (0.179 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Street Address | 249 MAIN ST |
|---|---|
| City | GARDNER |
| State | MA |
| Zip | 01440-2926 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Local Zoning Code | R1 |
| Legal Block | 15 |
| Legal Lot Number | 68 |
| Jurisdiction | GARDNER MA |
| Township / Civil Division | GARDNER |
| Census Block Group | 3 |
| Census Block | 3010 |
| Census Tract | 707300 |
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 | 249 MAIN ST, GARDNER, MA 01440-2926 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Individual(s) |
| Date | Document |
|---|---|
| May 17, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance I-C FCU |
| Oct 20, 2025 | Deed of Trust, Mortgage · FHA Mortgage IMPERIUM LENDING LLC |
| Apr 17, 2024 | Quit Claim Deed, Transfer · FHA Mortgage GUARANTEED RATE AFFINITY LLC |
| Mar 1, 2022 | Quit Claim Deed, Transfer · Stand-Alone First Mortgage TOTAL MORTGAGE SERVICES LLC |
| Mar 30, 2018 | Quit Claim Deed, Transfer VILLAGE MORTGAGE CORPORATION |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 17, 2024 · Amount on Record |
| Deed Sale | Apr 17, 2024 · Amount on Record |
| Prior Sale | Mar 1, 2022 · Amount on Record |
| Deed Book / Page | 70407 / 177 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARDNER MA |
| Property Address | 249 MAIN ST, GARDNER, MA 01440-2926 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 065179-304 |
|---|---|
| Date | May 17, 2021 |
| Book Page | 65179/304 |
| Instrument | 67793 |
| Name | I-C FCU |
|---|---|
| Type | Credit Union |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Jun 1, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARDNER MA |
| Property Address | 249 MAIN ST, GARDNER, MA 01440-2926 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 072699-376 |
|---|---|
| Date | Oct 20, 2025 |
| Book Page | 72699/376 |
| Instrument | 90537 |
| Name | IMPERIUM LENDING LLC |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2055 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | GARDNER MA |
| Recording Date | Apr 17, 2024 |
| Property Address | 249 MAIN ST, GARDNER, MA 01440-2926 |
| Document Number | 070407-177 |
| Book / Page | 70407 / 177 |
| Instrument Date | Apr 17, 2024 |
| Instrument | 27981 |
| Transaction Type | Transfer |
| Record Updated | May 3, 2024 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 249 MAIN ST, GARDNER, MA 01440-2926 |
| Document Number | 0000027982 |
|---|---|
| Date | Apr 17, 2024 |
| Instrument | 27982 |
| Name | GUARANTEED RATE AFFINITY LLC |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | GARDNER MA |
| Recording Date | Mar 1, 2022 |
| Property Address | 249 MAIN ST, GARDNER, MA 01440-2926 |
| Document Number | 067192-159 |
| Book / Page | 67192 / 159 |
| Instrument Date | Feb 24, 2022 |
| Instrument | 23372 |
| Transaction Type | Transfer |
| Record Updated | Nov 20, 2025 |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 249 MAIN ST, GARDNER, MA 01440-2926 |
| Document Number | 0000023373 |
|---|---|
| Date | Mar 1, 2022 |
| Instrument | 23373 |
| Name | TOTAL MORTGAGE SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | GARDNER MA |
| Recording Date | Mar 30, 2018 |
| Property Address | 249 MAIN ST, GARDNER, MA 01440-2926 |
| Document Number | 058611-293 |
| Book / Page | 58611 / 293 |
| Instrument | 30068 |
| Transaction Type | Transfer |
| Record Updated | Apr 11, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $27.61 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 249 MAIN ST, BALDWINVILLE, MA 01436 |
| Document Number | 0586110296 |
|---|---|
| Date | Mar 30, 2018 |
| Instrument | 58611/0296 |
| Name | VILLAGE MORTGAGE CORPORATION |
|---|---|
| Type | Mortgage Company |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Mar 30, 2048 |
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 | Assessed Market Value |
|---|---|---|---|
| 2026 | $4,318.00 (+24.26%) | $313,600 (+29.59%) Land $74,000 Building $239,600 | $381,188 |
| 2025 | $3,475.00 (+0.75%) | $242,000 (+5.17%) Land $67,200 Building $174,800 | |
| 2024 | $3,449.00 (+3.23%) | $230,100 (+11.11%) Land $61,100 Building $169,000 | |
| 2023 | $3,341.00 | $207,100 Land $60,200 Building $146,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 446 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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