253 Ash St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 253 Ash St, Gardner, MA 01440

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,176 sqft · built 1956
Lot Size	0.201 acres (8,770 sqft)
Owner	Individual Name on Record
Last Sale	$136,500 (Jul 2016)
Tax Bill	$4,343 (2026)
Deeds & Mortgages	Jun 2021 Refinance Oct 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`GARD M:M27 B:8 L:42`

Property Details

APN / Parcel Number

Primary APN	`GARD M:M27 B:8 L:42`
Alternative APN	`M:M-28 B:0030 L:0042`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,176 sqft Living Area
Gross Area	2,688 sqft
Basement Area	1,176 sqft
Unfinished Basement	1,176 sqft

Exterior

Year Built	Built 1956
Effective Year Built	Effective 1956
Architectural Style	Ranch
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,770 sqft (0.201 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	253 ASH ST
City	GARDNER
State	MA
Zip	01440-1927
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Block	8
Legal Lot Number	42
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	2
Census Block	2001
Census Tract	707400

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	253 ASH ST, GARDNER, MA 01440-1927
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 23, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance FEDERAL SAVINGS BANK
Oct 16, 2020	Deed of Trust, Mortgage · FHA Mortgage EMBRACE HOME LOANS INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 1, 2016 · Amount on Record
Deed Sale	Jul 1, 2016 · Amount on Record
Prior Sale	Aug 19, 2014 · Amount on Record
Deed Book / Page	55585 / 125
Transfer Doc	055585-125
Record Updated	Oct 29, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	253 ASH ST, GARDNER, MA 01440-1927
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	065456-173
Date	Jun 23, 2021
Book Page	65456/173
Instrument	87339

Lender

Name	FEDERAL SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	301 Months
Due	Jul 1, 2046

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	253 ASH ST, GARDNER, MA 01440-1927
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	EQUITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	63510-282
Date	Oct 16, 2020
Book Page	63510/282
Instrument	123156

Lender

Name	EMBRACE HOME LOANS INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2050

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	$4,343.00 (+10,%)	$315,400 (+4.92%) Land $74,600 Building $240,800	$357,118 (+16.27%)
2025	$43.00 (-99%)	$300,600 (+4.81%) Land $67,800 Building $232,800	$307,135
2024	$4,299.00 (+6.28%)	$286,800 (+14.35%) Land $61,600 Building $225,200
2023	$4,045.00	$250,800 Land $60,700 Building $190,100

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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 272 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

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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