280 West St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 280 West St, Gardner, MA 01440

Property Summary

Property Type	Duplex
Details	6 bd · 2 ba · 2,632 sqft · built 1920
Lot Size	0.132 acres (5,765 sqft)
Owner	2 Individual Names on File
Last Sale	$186,500 (Oct 2017)
Tax Bill	$4,653 (2026)
Deeds & Mortgages	Oct 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`M:L-26 B:0037 L:0013`

Property Details

APN / Parcel Number

Primary APN	`M:L-26 B:0037 L:0013`
Alternative APN	`GARD M:M27 B:17 L:13`

Interior

Bedrooms	6 Beds
Full Baths	2 Baths
Total Rooms	10 Rooms
Units	2 Units
Stories	2 Stories
Building Area	2,632 sqft Living Area
Gross Area	6,016 sqft
Basement Area	1,316 sqft
Unfinished Basement	1,316 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Duplex Single
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	5,765 sqft (0.132 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	280 WEST ST
City	GARDNER
State	MA
Zip	01440-1970
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	R1
Legal Block	17
Legal Lot Number	13
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	3
Census Block	3015
Census Tract	707400

Owner

280 West St, a duplex, is owned and occupied by two individuals who bought it in October 2017.

Source: Worcester County and Gardner City records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	280 WEST ST, GARDNER, MA 01440-1970
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 13, 2017 · Amount on File
Deed Sale	Oct 13, 2017 · Amount on File
Deed Book / Page	57877 / 390
Record Updated	Oct 29, 2026

October 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Oct 13, 2017
Property Address	280 WEST ST, GARDNER, MA 01440-1970
Document Number	57877-390
Book / Page	57877 / 390
Instrument	113599
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$27.46
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	280 WEST ST, GARDNER, MA 01440-1970

Mortgage

Document Number	578780001
Date	Oct 13, 2017
Instrument	57878/0001

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 13, 2047

Tax Assessment & Valuation

The 2026 property tax bill for 280 West St was $4,653, up 10,475% from the year before.

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	$4,653.00 (+10,475%)	$337,900 (+8.82%) Land $72,600 Building $265,300	$367,785
2025	$44.00 (-98.94%)	$310,500 (+11.81%) Land $66,000 Building $244,500
2024	$4,163.00 (-0.43%)	$277,700 (+7.14%) Land $60,100 Building $217,600
2023	$4,181.00	$259,200 Land $59,200 Building $200,000

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

Flood

FEMA maps place 280 West St in Zone X, an area of minimal flood risk.

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

Wildfire risk around 280 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.

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 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