Worcester County and Gardner City property record for 250 Smith St, Gardner, MA 01440 · Last verified April 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 4 Beds |
| Bathrooms | 2.5 Baths |
| Year Built | Built 1930 |
| Square Footage | 2,108 sqft Living Area |
| Lot Size | 22,760 sqft (0.522 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $410,000 (2022) |
| Tax Bill | $55.00 (2025) |
| Primary APN | GARD M:W27 B:9 L:5 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Partial Baths | 1 Partial Baths |
| Total Rooms | 9 Rooms |
| Building Area | 2,108 sqft Living Area |
| Gross Area | 4,734 sqft Gross Area |
| Stories | 2 Stories |
| Year Built | Built 1930 |
|---|---|
| Effective Year Built | Effective 1930 |
| Architectural Style | Conventional Style |
| Exterior Material | Aluminum/Vinyl Exterior |
| Roof Construction | Gable Roof Construction |
| Roof Material | Asphalt Roof |
| Lot Area | 22,760 sqft (0.522 acres) |
| Heating System | Hot Water Heating |
|---|---|
| Heating Fuel | Oil Heating Fuel |
| Street Address | 250 SMITH ST |
|---|---|
| City | GARDNER |
| State | MA |
| Zip | 01440-2438 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Block | 9 |
| Legal Lot Number | 5 |
| Jurisdiction | GARDNER MA |
| Minor Civil Division | GARDNER |
| Census Blockgroup | 2 |
| Census Block | 2008 |
| Census Tract | 707500 |
Source: Worcester County and Gardner City records · APN GARD M:W27 B:9 L:5
Assessment roll updated April 14, 2026 · Last verified April 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 File |
|---|---|
| Mailing Address | 250 SMITH ST, GARDNER, MA 01440-2438 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Jul 07, 2022 | Quit Claim Arm's Length for NE States, Transfer · Stand Alone First Mortgage UNITED WHOLESALE MORTGAGE |
| Jan 13, 2020 | Deed of Trust, Mortgage · Line of Credit ATHOL SAVINGS BANK |
| Aug 10, 2020 | Quit Claim Arm's Length for NE States, Transfer · Federal Housing Administration (FHA) Mortgage OCMBC INC |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jul 07, 2022 · Amount on Record |
| Deed Sale | Jul 07, 2022 · Amount on Record |
| Prior Sale | Aug 10, 2020 · Amount on Record |
| Deed Doc Number | 202274102 |
| Deed Book / Page | 67871 / 207 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Quit Claim Arm's Length for NE States |
|---|---|
| Jurisdiction | GARDNER MA |
| Recording Date | Jul 07, 2022 |
| Property Address | 250 SMITH ST, GARDNER, MA 01440-2438 |
| Document Number | 067871-207 |
| Book / Page | 67871 / 207 |
| Instrument Date | Jul 07, 2022 |
| Instrument | 74102 |
| Transaction Type | Transfer |
| Record Updated | Jul 22, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenant By Entirety |
| Address | 250 SMITH ST, GARDNER, MA 01440-2438 |
| Document Number | 0000074103 |
|---|---|
| Date | Jul 07, 2022 |
| Instrument | 74103 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Stand Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARDNER MA |
| Property Address | 250 SMITH ST, GARDNER, MA 01440-2438 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 61735-151 |
|---|---|
| Date | Jan 13, 2020 |
| Book Page | 61735/151 |
| Instrument | 3565 |
| Name | ATHOL SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Feb 01, 2040 |
| Document Type | Quit Claim Arm's Length for NE States |
|---|---|
| Jurisdiction | GARDNER MA |
| Recording Date | Aug 10, 2020 |
| Property Address | 250 SMITH ST, GARDNER, MA 01440-2438 |
| Document Number | 62987-39 |
| Book / Page | 62987 / 39 |
| Instrument Date | Jul 30, 2020 |
| Instrument | 88394 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 250 SMITH ST, GARDNER, MA 01440-2438 |
| Document Number | 88395 |
|---|---|
| Date | Aug 10, 2020 |
| Instrument | 88395 |
| Name | OCMBC INC |
|---|
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
Source: Worcester County and Gardner City records · Assessment roll updated April 14, 2026 · Last verified April 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Worcester County |
| Municipality | Gardner City |
| Unified School District | Gardner School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $55.00 (-99.01%) | $384,300 (+4.06%) Land $76,100 Building $308,200 | $484,405 |
| 2024 | $5,536.00 (+2.63%) | $369,300 (+10.44%) Land $69,200 Building $300,100 | |
| 2023 | $5,394.00 | $334,400 Land $68,200 Building $266,200 |
Source: FEMA National Flood Hazard Layer, Worcester County (25027C), updated November 30, 2025 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Low above 20% of the US · above 58% of Massachusetts |
|---|---|
| Wildfire Likelihood | About 1 in 10,000 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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