249 S Main St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 249 S Main St, Gardner, MA 01440

Property Summary

Property Type	Duplex
Details	5 bd · 2 ba · 1,440 sqft · built 1900
Lot Size	0.059 acres (2,550 sqft)
Owner	Individual Name on Record
Last Sale	$375,000 (Sep 2024)
Tax Bill	$4,515 (2026)
Deeds & Mortgages	Jan 2024 Sale & Construction Loan
Flood Zone	Zone X (minimal risk)
APN	`GARD M:R17 B:8 L:22`

Property Details

APN / Parcel Number

Primary APN	`GARD M:R17 B:8 L:22`
Alternative APN	`M:S-18 B:0027 L:0011`

Interior

Bedrooms	5 Beds
Full Baths	2 Baths
Total Rooms	9 Rooms
Units	2 Units
Stories	2 Stories
Building Area	1,440 sqft Living Area
Gross Area	2,600 sqft
Basement Area	640 sqft
Unfinished Basement	640 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	2,550 sqft (0.059 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	249 S MAIN ST
City	GARDNER
State	MA
Zip	01440-3327
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	R1
Legal Block	8
Legal Lot Number	22
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	2
Census Block	2038
Census Tract	707100

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	249 S MAIN ST, GARDNER, MA 01440-3327
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Individual(s)

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 18, 2024 · Amount on Record
Deed Sale	Sep 18, 2024 · Amount on Record
Prior Sale	Jan 17, 2024 · Amount on Record
Deed Document Number	202476237
Deed Book / Page	71042 / 159
Prior Transfer Date	Sep 17, 2024
Prior Transfer Doc	071042-159
Record Updated	Oct 29, 2026

January 2024: Quit Claim Deed, Construction Loan

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Jan 17, 2024
Property Address	249 S MAIN ST, GARDNER, MA 01440-3327
Document Number	070099-372
Book / Page	70099 / 372
Instrument Date	Jan 12, 2024
Instrument	3607
Transaction Type	Construction Loan
Record Updated	Feb 2, 2024

Transaction

Amount	Amount Recorded
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	165 THORNDIKE ST # STE20, STE20, LOWELL, MA 01852-3485

Mortgage

Document Number	0000003608
Date	Jan 17, 2024
Instrument	3608

Lender

Name	ABL RPC RESIDENTAL CR

Agreement

Type	Construction 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	$4,515.00 (+14,95%)	$327,900 (+56.22%) Land $68,000 Building $259,900	$359,395
2025	$30.00 (-99.07%)	$209,900 (-2.87%) Land $61,800 Building $148,100
2024	$3,239.00 (+10.58%)	$216,100 (+19%) Land $56,200 Building $159,900
2023	$2,929.00	$181,600 Land $55,400 Building $126,200

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 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	Direct burnable vegetation

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 248 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Gateway Fiber, Verizon.

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