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286 West St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 286 West St, Gardner, MA 01440

Property Summary

Property TypeMixed Use Commercial Office / Residential
Details1 bd · 3 ba · 2,664 sqft · built 1930
Lot Size0.153 acres (6,650 sqft)
OwnerCompany Name on Record
Last Sale$250,000 (May 2025)
Tax Bill$1,352 (2026)
Deeds & MortgagesMay 2025 Sale & Mortgage
Aug 2020 Sale
Flood ZoneZone X (minimal risk)
APNM:L-26 B:0038 L:0014

Property Details

APN / Parcel Number

Primary APNM:L-26 B:0038 L:0014
Alternative APN
  • GARD M:M27 B:17 L:14

Interior

Bedrooms1 Bed
Full Baths3 Baths
Total Rooms6 Rooms
Units2 Units
Stories1 Story
Building Area2,664 sqft Total Area
Gross Area3,648 sqft
Basement Area1,800 sqft
Unfinished Basement1,800 sqft

Exterior

Year BuiltBuilt 1930
Effective Year BuiltEffective 1930
Architectural StyleCondo/Apartment
Exterior MaterialAluminum/Vinyl
Construction TypeFrame
Roof TypeGable
Roof MaterialAsphalt
Lot Area6,650 sqft (0.153 acres)

Utilities, Heating & Cooling

Heating SystemSteam
Heating FuelOil

Location & Zoning

Street Address286 WEST ST
CityGARDNER
StateMA
Zip01440-1981
Property CategoryCommercial
Property TypeCommercial > Office > Mixed Use Commercial Office / Residential
Local Zoning CodeC1
Legal Block17
Legal Lot Number14
JurisdictionGARDNER MA
Township / Civil DivisionGARDNER
Census Block Group3
Census Block3015
Census Tract707400

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of RecordCompany Name on Record
Mailing Address20 TOWN FARM RD, WINCHENDON, MA 01475-2050
Owner TypeCompany
VestingCompany

Deeds, Mortgages & Sale History

DateDocument
May 6, 2025Quit Claim Deed, Transfer · Commercial Mortgage
VELOCITY COMMERCIAL CAPITAL LLC
Aug 28, 2020Quit Claim Deed, Transfer
NOT AVAILABLE

Assessor's Deed Record

Deed NamesName on Deed
Last SaleMay 6, 2025 · Amount on Record
Deed SaleMay 6, 2025 · Amount on Record
Prior SaleAug 28, 2020 · Amount on Record
Deed Book / Page71951 / 181
Record UpdatedOct 29, 2026

May 2025: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionGARDNER MA
Recording DateMay 6, 2025
Property Address286 WEST ST, GARDNER, MA 01440-1981
Document Number071951-181
Book / Page71951 / 181
Instrument DateMay 6, 2025
Instrument35659
Transaction TypeTransfer
Record UpdatedNov 19, 2025

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address20 TOWN FARM RD, WINCHENDON, MA 01475-2050

Mortgage

Document Number0000035661
DateMay 6, 2025
Instrument35661
Lender
NameVELOCITY COMMERCIAL CAPITAL LLC
Agreement
TypeCommercial Mortgage
AmountAmount Recorded

August 2020: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionGARDNER MA
Recording DateAug 28, 2020
Property Address286 WEST ST, GARDNER, MA 01440-1981
Document Number63139-215
Book / Page063139 / 000215
Instrument DateAug 28, 2020
Instrument98480
Transaction TypeTransfer
Record UpdatedSep 15, 2020
Title CompanyNOT AVAILABLE

Transaction

AmountAmount Recorded
Tax$274.00
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address58 DALEY ST LEOMINSTER MA 014532535, LEOMINSTER, MA 01453-2535

Tax Assessment & Valuation

Source: Worcester County and Gardner City assessment roll, as of April 14, 2026

Property Jurisdictions

TypeName
StateMassachusetts
CountyWorcester County
MunicipalityGardner City
Unified School DistrictGardner School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$1,352.00 (-51.8%)$98,200 (-49.72%) Land $25,650 Building $72,550$366,822 (+0.66%)
2025$2,805.00 (+12.2%)$195,300 (+17.09%) Land $50,200 Building $145,100$364,420
2024$2,500.00 (+4.43%)$166,800 (+12.4%) Land $47,900 Building $118,900
2023$2,394.00$148,400 Land $46,600 Building $101,800

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective November 30, 2025

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot 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 RiskLow
lower than 80% of the US · above 57% of Massachusetts
Wildfire Likelihood0.01% annual chance
ExposureNone
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 SystemGARDNER WATER DEPARTMENT
serves 21,381 people · EPA ID MA2103000
Water SourceSurface water
Last State InspectionOct 2024
Lead3 ppb (2025)
action level 15 ppb

Violations Reported to EPA

Water QualityTreatment failure
resolved · Jan 2022
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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

ProviderMax 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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