25 Main St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 25 Main St, Gardner, MA 01440

Property Summary

Property Type	Office Building
Details	2 ba · 14,877 sqft · built 1916
Lot Size	0.121 acres (5,265 sqft)
Owner	Company Name on Record
Last Sale	$750,000 (Jul 2023)
Tax Bill	$5,368 (2026)
Deeds & Mortgages	Feb 2024 Refinance Jul 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`GARD M:M22 B:5 L:44`

Property Details

APN / Parcel Number

Primary APN	`GARD M:M22 B:5 L:44`
Alternative APN	`M:O-24 B:0099 L:0044`

Interior

Full Baths	2 Baths
Units	3 Units
Stories	3 Stories
Building Area	14,877 sqft Total Area
Gross Area	20,068 sqft
Basement Area	4,811 sqft
Unfinished Basement	4,811 sqft

Exterior

Year Built	Built 1916
Effective Year Built	Effective 1916
Architectural Style	High Rise
Exterior Material	Brick
Construction Type	Masonry / Concrete Block
Roof Type	Flat
Roof Material	Tar & Gravel
Lot Area	5,265 sqft (0.121 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Steam
Heating Fuel	Oil

Location & Zoning

Street Address	25 MAIN ST
City	GARDNER
State	MA
Zip	01440-2685
Property Category	Commercial
Property Type	Commercial > Office > Office Building
Local Zoning Code	C1
Legal Block	5
Legal Lot Number	44
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	3
Census Block	3004
Census Tract	707300

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	165 THORNDIKE ST, 2002, LOWELL, MA 01852-3485
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Feb 27, 2024	Deed of Trust, Mortgage · Stand-Alone Refinance NORTH CENTRAL MASS DEV
Jul 27, 2023	Quit Claim Deed, Transfer · Stand-Alone First Mortgage JEANNE D ARC CU
May 13, 2022	Quit Claim Deed, Transfer · Stand-Alone First Mortgage JEANNE D ARC CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 27, 2023 · Amount on Record
Deed Sale	Jul 27, 2023 · Amount on Record
Prior Sale	May 13, 2022 · Amount on Record
Deed Book / Page	69439 / 173
Record Updated	Oct 29, 2026

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	25 MAIN ST, GARDNER, MA 01440-2685
Transaction Type	Mortgage
Record Updated	Nov 20, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	070231-182
Date	Feb 27, 2024
Book Page	70231/182
Instrument	14161

Lender

Name	NORTH CENTRAL MASS DEV

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded

July 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Jul 27, 2023
Property Address	25 MAIN ST, GARDNER, MA 01440-2685
Document Number	069439-173
Book / Page	69439 / 173
Instrument Date	Jul 27, 2023
Instrument	60855
Transaction Type	Transfer
Record Updated	Nov 20, 2025

Transaction

Amount	Amount Recorded
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	0000060856
Date	Jul 27, 2023
Instrument	60856

Lender

Name	JEANNE D ARC CU
Type	Credit Union

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

May 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	May 13, 2022
Property Address	25 MAIN ST, GARDNER, MA 01440-2685
Document Number	067587-100
Book / Page	67587 / 100
Instrument Date	May 12, 2022
Instrument	52419
Transaction Type	Transfer
Record Updated	Nov 20, 2025

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	145 THORNDIKE ST # STE20, STE20, LOWELL, MA 01852-3490
Investor	Possibly a Property Investor

Mortgage

Document Number	0000052420
Date	May 13, 2022
Instrument	52420

Lender

Name	JEANNE D ARC CU
Type	Credit Union

Agreement

Type	Stand-Alone First 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
2026	$5,368.00 (+9,66%)	$389,800 (+0.44%) Land $87,900 Building $301,900
2025	$55.00 (-99.09%)	$388,100 (-3.53%) Land $86,200 Building $301,900
2024	$6,030.00 (-2.35%)	$402,300 (+5.09%) Land $84,200 Building $318,100
2023	$6,175.00	$382,800 Land $82,000 Building $300,800

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

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 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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