Worcester County and Gardner City property record for 258 West St, Gardner, MA 01440
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,824 sqft · built 1920 |
| Lot Size | 0.278 acres (12,126 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $410,000 (Jul 2023) |
| Tax Bill | $5,496 (2026) |
| Deeds & Mortgages | Sep 2022 Refinance Jul 2023 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | GARD M:M27 B:17 L:9 |
| Primary APN | GARD M:M27 B:17 L:9 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,824 sqft Living Area |
| Gross Area | 4,028 sqft |
| Basement Area | 912 sqft |
| Unfinished Basement | 912 sqft |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1920 |
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Slate |
| Lot Area | 12,126 sqft (0.278 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Street Address | 258 WEST ST |
|---|---|
| City | GARDNER |
| State | MA |
| Zip | 01440-1970 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Block | 17 |
| Legal Lot Number | 9 |
| Jurisdiction | GARDNER MA |
| Township / Civil Division | GARDNER |
| Census Block Group | 3 |
| Census Block | 3015 |
| Census Tract | 707400 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 258 WEST ST, GARDNER, MA 01440-1970 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Sep 6, 2022 | Deed of Trust, Mortgage · Stand-Alone Refinance WORKERS CU |
| Jul 28, 2023 | Quit Claim Deed, Transfer · Stand-Alone First Mortgage NAVY FCU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 28, 2023 · Amount on Record |
| Deed Sale | Jul 28, 2023 · Amount on Record |
| Prior Sale | May 1, 2009 · Amount on Record |
| Deed Book / Page | 69449 / 105 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARDNER MA |
| Property Address | 258 WEST ST, GARDNER, MA 01440-1970 |
| Transaction Type | Mortgage |
| Record Updated | Nov 20, 2025 |
| Name | Verified Name |
|---|
| Document Number | 0068174-53 |
|---|---|
| Date | Sep 6, 2022 |
| Book Page | 68174/53 |
| Instrument | 97880 |
| Name | WORKERS CU |
|---|---|
| Type | Credit Union |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Oct 1, 2042 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | GARDNER MA |
| Recording Date | Jul 28, 2023 |
| Property Address | 258 WEST ST, GARDNER, MA 01440-1970 |
| Document Number | 069449-105 |
| Book / Page | 69449 / 105 |
| Instrument Date | Jul 28, 2023 |
| Instrument | 61624 |
| Transaction Type | Transfer |
| Record Updated | Nov 20, 2025 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 258 WEST ST, GARDNER, MA 01440-1970 |
| Document Number | 0000061625 |
|---|---|
| Date | Jul 28, 2023 |
| Instrument | 61625 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
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 | $5,496.00 (+10,269.81%) | $399,100 (+8.01%) Land $76,800 Building $322,300 | $404,405 (+5.37%) |
| 2025 | $53.00 (-98.64%) | $369,500 (+41.63%) Land $69,800 Building $299,700 | $383,800 |
| 2024 | $3,911.00 (+3.8%) | $260,900 (+11.69%) Land $63,500 Building $197,400 | |
| 2023 | $3,768.00 | $233,600 Land $62,600 Building $171,000 |
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 380 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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