Worcester County and Gardner City property record for 277 West St, Gardner, MA 01440
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,297 sqft · built 1930 |
| Lot Size | 0.133 acres (5,800 sqft) |
| Owner | Individual Name on File |
| Last Sale | $101,000 (Mar 2019) |
| Tax Bill | $3,827 (2026) |
| Deeds & Mortgages | Feb 2022 Mortgage Mar 2019 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | M:L-26 B:0106 L:0046 |
| Primary APN | M:L-26 B:0106 L:0046 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,297 sqft Living Area |
| Gross Area | 2,587 sqft |
| Basement Area | 672 sqft |
| Unfinished Basement | 672 sqft |
| Year Built | Built 1930 |
|---|---|
| Effective Year Built | Effective 1930 |
| Architectural Style | Bungalow |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 5,800 sqft (0.133 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Street Address | 277 WEST ST |
|---|---|
| City | GARDNER |
| State | MA |
| Zip | 01440-1969 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Block | 17 |
| Legal Lot Number | 46 |
| Jurisdiction | GARDNER MA |
| Township / Civil Division | GARDNER |
| Census Block Group | 1 |
| Census Block | 1035 |
| Census Tract | 707400 |
277 West St is owned and occupied by an individual who bought it in March 2019.
Source: Worcester County and Gardner City records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 277 WEST ST, GARDNER, MA 01440-1969 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Feb 3, 2022 | Deed of Trust, Mortgage · Second Mortgage (Down Payment) SECRETARY HOUSING URBAN DEVELOPMENT |
| Mar 5, 2019 | Quit Claim Deed, Transfer · FHA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP |
| Jun 12, 2018 | Foreclosure |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 5, 2019 · Amount on File |
| Deed Sale | Mar 5, 2019 · Amount on File |
| Prior Sale | Jun 12, 2018 · Amount on File |
| Deed Document Number | 2019646 |
| Deed Book / Page | 60116 / 25 |
| Prior Transfer Date | Feb 28, 2019 |
| Prior Transfer Doc | 60116-25 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARDNER MA |
| Property Address | 277 WEST ST, GARDNER, MA 01440-1969 |
| Transaction Type | Mortgage |
| Record Updated | Aug 10, 2023 |
| Name | Verified Name |
|---|
| Document Number | 067061-245 |
|---|---|
| Date | Feb 3, 2022 |
| Book Page | 67061/245 |
| Instrument | 13739 |
| Name | SECRETARY HOUSING URBAN DEVELOPMENT |
|---|---|
| Type | Government Agency |
| Type | Second Mortgage (Down Payment) |
|---|---|
| Amount | Amount on Record |
| Term | 349 Months |
| Due | Mar 1, 2051 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | GARDNER MA |
| Recording Date | Mar 5, 2019 |
| Property Address | 277 WEST ST, GARDNER, MA 01440-1969 |
| Document Number | 60116-25 |
| Book / Page | 60116 / 25 |
| Instrument Date | Feb 28, 2019 |
| Instrument | 19646 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2021 |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 277 WEST ST, GARDNER, MA 01440-1969 |
| Document Number | 19647 |
|---|---|
| Date | Mar 5, 2019 |
| Instrument | 19647 |
| Name | FAIRWAY INDEPENDENT MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Foreclosure |
|---|---|
| Jurisdiction | GARDNER MA |
| Recording Date | Jun 12, 2018 |
| Property Address | 277 WEST ST, GARDNER, MA 01440-1969 |
| Document Number | 58934-376 |
| Book / Page | 058934 / 000376 |
| Instrument Date | Jun 4, 2018 |
| Instrument | 57618 |
| Transaction Type | Foreclosure |
| Record Updated | Jul 3, 2018 |
| Amount | Amount on Record |
|---|---|
| Tax | $642.03 |
| Amount Accuracy | Confirmed |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 1600 S DOUGLASS RD #200-A ANAHEIM CA 928065948, 200-A, ANAHEIM, CA 92806-5948 |
The 2026 property tax bill for 277 West St was $3,827, up 9,971.1% from the year before.
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 | $3,827.00 (+9,971.05%) | $277,900 (+2.43%) Land $72,700 Building $205,200 | $323,181 (-4.87%) |
| 2025 | $38.00 (-99.03%) | $271,300 (+3.75%) Land $66,100 Building $205,200 | $339,720 |
| 2024 | $3,920.00 (+8.11%) | $261,500 (+16.33%) Land $60,100 Building $201,400 | |
| 2023 | $3,626.00 | $224,800 Land $59,200 Building $165,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 277 West St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2016.
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 3 in force |
| Nearby Flood Claims | 1 (2016) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Feb 2016 · rainfall accumulation |
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 risk around 277 West St is low, with a 0.01% annual chance of 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.
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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